Long Beach, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
Long Beach drivers pay an average of $168 per month for car insurance. Your age, location, driving record, and other contributing factors can drive a increase or decrease to your specific car insurance rates.
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What Is The Average Cost Of Long Beach Car Insurance?
The average car insurance rates in Long Beach, CA are accounted for by factoring in age, driving record, and marital status of drivers. Each category is extensively calculated by insurers for risk. Long Beach drivers pay an average $2,052 annualy for car insurance. Comparatively, it is more expensive than California’s statewide average of $1,849 per year and the nation’s average of $1,527 per year.
Long Beach Car Insurance Rates by Insurer
Insurance companies have their differences in terms of rates and coverage offered in Long Beach, CA. It is vital to compare rates and extensively analyze deals and discounts before choosing a company that best suits your needs. GEICO offers the cheapest car insurance rates in Long Beach. However, rates are subject to change, especially if you drive in areas prone to accidents or if you have been involved in accidents in the past.
Long Beach Auto Insurance Companies Average Rates
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $120 | $1,445 |
| AAA | $157 | $1,889 |
| Mercury | $137 | $1,652 |
| Infinity | $168 | $2,019 |
| Allstate | $174 | $2,092 |
Long Beach Auto Insurance Premiums by Age Bracket
Age affects insurance rates because it is one basis car insurance companies consider when judging a person’s ability to drive and their risk of filing a claim. As a driver ages, relatively, insurance rates decrease. If you are a teenage driver in Long Beach, you will pay more for car insurance rates than older, experienced drivers. Teenage drivers are considered more reckless in contrast to older drivers in Long Beach, CA.
Long Beach Car Insurance Premiums by AGE
| AGE GROUP | Monthly Rate | Annual Rate |
|---|---|---|
| Below 20 | $626 | $7,522 |
| 20s | $252 | $3,025 |
| 30s | $170 | $2,042 |
| 40s | $165 | $1,981 |
| 50s | $160 | $1,928 |
| 60s | $155 | $1,869 |
| 70s | $177 | $2,135 |
Long Beach Car Insurance Rates By Marital Status
Marital status is considered by insurers when calculating a quote for multiple reasons. Married couples are considered more financially stable in contrast to other marital statuses. Also, married drivers are expected to be more responsible and extra careful on the road. Thus, married couples pay $86 less annually for car insurance in Long Beach.
Gender is another factor that insurance companies account for in Long Beach, CA. Female drivers in Long Beach, CA pay more than male drivers by $6.
Long Beach, CA Car Insurance Premiums by Marital Status
| Marital Status | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $179 | $2,148 |
| Male | $173 | $2,076 |
| Single | $156 | $1,872 |
| Married | $153 | $1,836 |
| Divorced | $168 | $2,016 |
| Widowed | $172 | $2,064 |
Long Beach Car Insurance Rates by Accident and Violation Record
If you are a high-risk driver, then you are not an ideal client for car insurance companies in Long Beach. They account for every angle of risk in your driving profile before providing you with a quote. Risk factors include your behavior behind the wheel, past violation records, location, vehichle make and model, and more. Some insurance companies have the right to reject high-risk drivers, and some might insure them at an additional cost.
If Long Beach drivers are found guilty driving recklessly and being at-fault in accidents on the road, an increase of $3,359 annually will be applicable to their car insurance premium. Speeding tickets, on the other hand, will garner a rate increase of $798. Moreover, DUI violations will result in an an additional $3,252 per year for car insurance. If you are considered a high-risk driver in Long Beach and need to save on your next car insurance policy, contact our specialists at Insurance Online for a free consultation
Long Beach Car Insurance Rates After An Accident or Violation
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $444 | $5,328 |
| Reckless Driving | $455 | $5,467 |
| At-Fault Accident with < $1000 Damages | $168 | $2,025 |
| At-Fault Accident with > $2000 Damages | $302 | $3,634 |
| Speeding Ticket with 16-20mph Over Speed Limit | $239 | $2,873 |
Long Beach Car Insurance Rates by Credit Score
Your credit score can also impact your insurance rates in other states, but not in California. If you start with a low credit score between 300 to 579, then move up to a score of 800 to 850, you are still not entitled to a decrease in your car insurance rates. In Long Beach and throughout the state of California, credit score is no longer an applicable factor car insurance companies are allowed to consider because it is viewed as discriminatory by California lawmakers.
Long Beach Auto Insurance Premiums by Credit Score
| Credit Level | Monthly Rate | Annual Rate |
|---|---|---|
| Very Poor | $168 | $2,016 |
| Fair | $168 | $2,016 |
| Good | $168 | $2,016 |
| Very Good | $168 | $2,016 |
| Exceptional | $168 | $2,016 |
Other Factors That Impact Auto Insurance Rates In Long Beach, CA
Long Beach, CA auto insurance companies account for age, marital status, driving history, and vehichle make and model as typical factors that go into calculating your insurance rate. However, there are other factors insurers consider when giving you your specific quote.
Your location plays a significant factor in the cost of your car insurance. If you reside in areas in Long Beach prone to accidents, theft, crime, and uninsured motor vehicle drivers, then it is likely for your insurance rate to increase.
Neighborhoods of different ZIP codes have different auto insurance quotes. Every ZIP code has specific risk factors; thus, prices vary. Areas in Long Beach with high accident risks pay an extra 15% ($218) above the average rate.
Long Beach Auto Insurance Rates by ZIP Code
| Long Beach ZIP Codes with Expensive Rates | Long Beach ZIP Code with Cheaper Rates |
|---|---|
| 90805 | 90808 |
| 90802 | 90803 |
| 90747 | 90815 |
| 90746 | 90814 |
| 90813 | 90822 |
Weather conditions in Long Beach, CA are also considered a risk. Wet roads, loose brakes, low visibility, and other succeeding factors can cause accidents due to bad weather. Long Beach experiences 37 rainy days a year. An average of 710,000 weather-related accidents occur every year. Not to mention occasional wildfires and earthquakes. Hence, driving and weather conditions are crucial factors considered by car insurance companies in Long Beach and have an impact on your rates.
Long Beach Car Insurance: FAQs
Is it necessary to keep paying for my car insurance while my vehicle is getting repaired?
The best thing to do is to make your scheduled payment or contact your insurer if your car is going to be in shop longer than 30 days.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.