Cheapest Car Insurance Quotes in Long Beach

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Long Beach Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Long Beach

The car insurance rate in Long Beach is $894 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Long Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Long Beach

$894

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Long Beach

1st place: Direct General Insurance

At $398 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.

2nd place: Mississippi Farm Bureau

Mississippi Farm Bureau offers auto insurance rates at $441 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $741 for six months, making it the third cheapest auto insurance company in Long Beach.

Long Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Long Beach, MS is Direct General Insurance, offering policies at just $398 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $441.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1365 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Long Beach drivers find the best deals.

Cheap Car Insurance Companies in Long Beach, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$398	$68
Mississippi Farm Bureau	$441	$73
USAA	$741	$125
Travelers	$759	$128
State Farm	$783	$132
Farm Bureau	$814	$136
National Farmers Union Insurance	$820	$139
Nationwide	$979	$165
Progressive	$1034	$174
Shelter	$1065	$179
Allstate	$1187	$202
Farmers	$1242	$207
Safeway	$1365	$232

Key Takeaways

Way's key takeaways about car insurance in Long Beach

The auto insurance costs in Long Beach fall around $398 for six months.
The cheapest auto insurance company in Long Beach is Direct General Insurance.
Teen drivers pay the highest rate in Long Beach at $895 per month.

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Cheapest Minimum Liability Car Insurance in Long Beach

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Long Beach are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Long Beach. Their Average 6 Month Premium is $159. Farmers is the most expensive at $545 for the same period.

Cheapest Liability Coverage in Long Beach, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$159	$27
Mississippi Farm Bureau	$165	$28
National Farmers Union Insurance	$165	$28
State Farm	$190	$32
USAA	$202	$34
Farm Bureau	$256	$43
Progressive	$263	$44
Safeway	$312	$54
Travelers	$318	$54
Shelter	$367	$62
Nationwide	$379	$64
Allstate	$453	$76
Farmers	$545	$91

Cheapest Full Coverage Car Insurance in Long Beach

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Long Beach is Direct General Insurance at $68 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Long Beach, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$398	$68
Mississippi Farm Bureau	$441	$73
USAA	$741	$125
Travelers	$759	$128
State Farm	$783	$132
Farm Bureau	$814	$136
National Farmers Union Insurance	$820	$139
Nationwide	$979	$165
Progressive	$1034	$174
Shelter	$1065	$179
Allstate	$1187	$202
Farmers	$1242	$207
Safeway	$1365	$232

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Average Car Insurance in Long Beach by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Long Beach, MS increasing?

Despite maintaining a clean driving record, your car insurance rates in Long Beach, Mississippi, may be increasing due to several external factors. Mississippi has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Long Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Long Beach

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Long Beach,MS

If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Long Beach at $34 per month. At $5371 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$202	$34
National General	$208	$35
Mississippi Farm Bureau	$227	$38
State Farm	$697	$117
USAA	$783	$132
Travelers	$955	$161
Farm Bureau	$1401	$238
Progressive	$1677	$282
Shelter	$2699	$458
Farmers	$3756	$626
Allstate	$4216	$717
Nationwide	$5371	$895

Teen Car Insurance Rates in MS by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Long Beach, Direct General Insurance is the cheapest car insurance provider. At $202 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Long Beach is Farmers, offering rates of around $3665 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$202	$34
Mississippi Farm Bureau	$287	$48
Travelers	$936	$158
Progressive	$942	$159
USAA	$1138	$194
Nationwide	$1180	$199
Farm Bureau	$1395	$237
Allstate	$1902	$317
Shelter	$2429	$413
State Farm	$2955	$492
Farmers	$3665	$623

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Car Insurance Rates with An Accident in Long Beach

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Long Beach, MS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Long Beach

The cheapest car insurance companies after an at-fault accident in Long Beach include Mississippi Farm Bureau and Direct General Insurance, offering $227 and $324, respectively. Farmers is an expensive provider with an average six-month premium of $2967.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$227	$38
Direct General Insurance	$324	$56
National General	$331	$55
State Farm	$349	$59
Safeway	$373	$62
USAA	$410	$69
Shelter	$599	$101
Travelers	$624	$105
Progressive	$685	$115
Farm Bureau	$1046	$178
Nationwide	$1334	$225
Allstate	$1750	$298
Farmers	$2967	$494

Long Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Long Beach MS. For example, the car insurance in Long Beach after a DUI increases to $753 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Long Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1089	$181
One Med/PIP claim	$1089	$185
Not-at-fault accident	$1138	$190
One comp claim	$1163	$198
Two Med/PIP claims	$1169	$195
Driving without lights	$1255	$213
Two comp claims	$1261	$210
Failure to show documents	$1297	$220
Failure to wear a seat belt	$1297	$216
Child safety restraint	$1303	$221
Driving with expired registration	$1303	$217
Driving too slowly	$1315	$224
Failure to stop at a red light	$1315	$219
Speeding in school zone	$1315	$224
Cell phone violation	$1328	$221
Improper passing	$1334	$227
Texting while driving	$1334	$222
Wrong way/wrong lane	$1334	$227
Speeding 6 - 10 MPH over limit	$1340	$224
Failure to yield	$1346	$229
Speeding 11 - 15 MPH over limit	$1346	$225
Following too closely	$1352	$230
Illegal turn	$1352	$226
Speeding 16 - 20 MPH over limit	$1352	$230
Speeding 21 - 25 MPH over limit	$1365	$228
Passing school bus	$1377	$234
In 65 MPH zone	$1413	$236
At-fault accident - less than $1000	$1480	$251
Operating a vehicle without permission	$1492	$249
Open container	$1536	$262
At-fault accident - $1000-$2000	$1597	$266
At-fault accident - greater than $2000	$1597	$272
Driving with a suspended license	$1664	$277
Reckless driving	$1664	$283
Refusal to submit to a chemical test	$1823	$304
DUI	$1842	$313
Racing	$1860	$310
Leaving scene of an accident/hit and run	$1873	$318

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Long Beach after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Long Beach.

The cheapest car insurance premiums in Long Beach are offered by Mississippi Farm Bureau at $318 for a six-month policy. However, it can be as expensive as $2967 with companies like Farmers.

Long Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$318	$55
Direct General Insurance	$324	$54
National General	$331	$57
State Farm	$759	$128
Travelers	$795	$134
Progressive	$814	$137
USAA	$1053	$177
Farm Bureau	$1321	$220
Shelter	$1567	$264
Allstate	$1664	$280
Nationwide	$1694	$285
Farmers	$2967	$494

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Long Beach are offered by Mississippi Farm Bureau at $183. However, it can be as expensive as $1781 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Long Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$183	$31
Direct General Insurance	$256	$43
State Farm	$404	$68
Progressive	$710	$119
USAA	$770	$129
Farm Bureau	$874	$148
Travelers	$1083	$180
Shelter	$1284	$218
Allstate	$1309	$218
Farmers	$1554	$265
Nationwide	$1781	$297

Car Insurance Price Trends in Long Beach, Mississippi

Car insurance rates in Long Beach have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Long Beach remained steady at $210 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Long Beach remained steady at $47 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Long Beach?

The car insurance in Long Beach is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Long Beach?

The cheapest car insurance in Long Beach is $68 per month for full coverage.

How much is car insurance in Long Beach for teenagers?

Car insurance for teenagers costs $202 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Long Beach?

The average cost of car insurance is $868 for a six-month policy. It will cost around $150 per month to insure your car in Long Beach.

Is car insurance expensive in Long Beach?

Car insurance can be expensive in Long Beach if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Long Beach can be affordable.

What is the best car insurance in Long Beach, MS?

The best car insurance company in Long Beach MS is Direct General Insurance, offering $398 for a six-month policy.