In Long Beach, the average full coverage car insurance costs $150 per month. Rates vary widely, with the cheapest at $145 and the most expensive reaching $357, depending on individual factors. To help drivers understand what to expect, the table below includes the average car insurance costs for various driver profiles.
Long Beach, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Long Beach: Key Takeaways
Progressive, Capital Insurance Group and National General are some of the cheapest car insurance companies residents can consider to save on their monthly premiums.
Progressive offers the lowest rates for car insurance in the city, with monthly costs of $40 for minimum coverage and $99 for full coverage.
On average, car insurance costs around $63 for minimum coverage and $150 for full coverage per month, but these rates can vary depending on the driver's profile.
Car Insurance Quotes in Long Beach, CA
| Young Drivers | $74 | $181 |
| Teens | No Data | $344 |
| Seniors | $59 | $140 |
| Drivers With a Speeding Ticket | $84 | $205 |
| Drivers With a DUI | $144 | $345 |
| Drivers With An Accident | $97 | $234 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Long Beach vs. State Average
California
State Average Full Coverage Rate
$1,599
Long Beach, CA
City Average Full Coverage Rate
$1,734More:$135 more
This is 8% more expensive.
What Is the Average Car Insurance Rate in Long Beach?
In Long Beach, full coverage car insurance averages $1,734 annually, while minimum coverage costs about $721 per year. These rates are higher than California's averages, where full coverage is around $1,599 and minimum coverage is $661. Consider this when budgeting for your car insurance needs in the area.
| State Average | $661 | $1,599 |
| Long Beach Average | $721 | $1,734 |
Cheapest Car Insurance Companies in Long Beach
Though premiums are on the rise in the Golden State, you can still find affordable car insurance in Long Beach. Progressive offers the cheapest minimum coverage at just $40 per month. For full coverage, Progressive also provides the best rate at $99 monthly.
WHY CAR INSURANCE IN LONG BEACH IS EXPENSIVE
Car insurance is expensive in Long Beach due to factors like high traffic volume and vehicle theft rates. It ranks among the top in California for insurance costs. Statewide issues, including a large number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud, also drive up premiums.
Cheap Car Insurance in Long Beach
Progressive often provides affordable car insurance for many, but rates vary for each driver. To find the cheapest car insurance, get quotes from multiple providers. Below is a table with the cheapest rates for various driver profiles.
| Progressive | Minimum Coverage | $40 |
| Progressive | Full Coverage | $99 |
| Capital Insurance Group | Teens | $262 |
| Progressive | Young Adults | $84 |
| Progressive | Seniors | $70 |
| National General | Drivers With a DUI | $97 |
| Capital Insurance Group | Drivers With An Accident | $102 |
| National General | Drivers With a Speeding Ticket | $97 |
Car Insurance Rates in Long Beach by Company
To find the cheapest car insurance in Long Beach, compare rates from different companies. Below, we detail the most affordable minimum coverage and full coverage car insurance plans.
Cheapest Car Insurance Companies for Minimum Coverage in Long Beach
Progressive offers the cheapest minimum coverage auto insurance at $40 per month. GEICO follows with a rate of $45 monthly. See the breakdown of the cheapest options in the table below.
| Progressive | $40 | $23 |
| GEICO | $45 | $18 |
| Capital Insurance Group | $51 | $12 |
| Kemper | $54 | $9 |
| AAA | $57 | $7 |
| Farmers | $57 | $6 |
| Mercury | $58 | $6 |
| State National | $58 | $5 |
| Nationwide | $58 | $5 |
| Hartford | $62 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Long Beach
Progressive offers the cheapest full coverage car insurance in Long Beach at $99 per month. Below is the full list of providers and their rates.
| AAA | $129 | $22 |
| Allstate | $146 | $4 |
| Capital Insurance Group | $123 | $27 |
| GEICO | $116 | $34 |
| Hartford | $137 | $13 |
| Kemper | $145 | $5 |
| Mercury | $143 | $7 |
| National General | $121 | $29 |
| Nationwide | $145 | $5 |
| Progressive | $99 | $51 |
| State National | $143 | $8 |
Car Insurance Companies in Long Beach
To find affordable car insurance in Long Beach, compare quotes from several insurers. Progressive offers the cheapest annual premium at $838. Capital Insurance Group is the best cheap provider, with a MoneyGeek score of 84. Check the table below for more options to consider.
| Capital Insurance Group | 84 | $1,043 |
| Chubb | 81 | $1,501 |
| Mercury | 72 | $1,208 |
| Progressive | 70 | $839 |
| GEICO | 68 | $969 |
| Nationwide | 65 | $1,222 |
| State Farm | 65 | $1,389 |
| AAA | 64 | $1,111 |
| Hartford | 59 | $1,196 |
| Farmers | 57 | $1,506 |
| Travelers | 57 | $1,532 |
| Kemper | 55 | $1,197 |
| Allstate | 54 | $1,388 |
| National General | 54 | $1,106 |
| State National | No Data | $1,203 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Long Beach by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,734 per year for 40-year-olds and $1,677 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $4,452 | $-1,737 |
| 17 | $4,433 | $-1,719 |
| 18 | $4,173 | $-1,459 |
| 19 | $3,180 | $-466 |
| 20 | $3,256 | $-542 |
| 21 | $2,840 | $-126 |
| 22 | $2,467 | $247 |
| 23 | $2,536 | $178 |
| 24 | $2,425 | $289 |
| 25 | $2,176 | $-463 |
| 40 | $1,734 | $-21 |
| 65 | $1,677 | $36 |
Cheapest Car Insurance for Teens in Long Beach
Allstate offers the cheapest overall car insurance for teens with full coverage in Long Beach at $261 per month, saving you $78 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| Allstate | $261 | $78 | $277 |
| GEICO | $270 | $69 | $318 |
| Capital Insurance Group | $281 | $57 | $262 |
| Farmers | $293 | $46 | $358 |
| State Farm | $301 | $37 | $279 |
| Progressive | $326 | $13 | $317 |
| Travelers | $369 | $-31 | $302 |
| Nationwide | $415 | $-76 | $492 |
| Kemper | $530 | $-192 | $490 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Long Beach
In Long Beach, Progressive offers the cheapest minimum coverage for young drivers at $48 per month. They also provide the most affordable full coverage at $120 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Progressive | Minimum Coverage | $48 |
| Progressive | Full Coverage | $120 |
| National General | Drivers With a DUI | $119 |
| Capital Insurance Group | Drivers With An Accident | $115 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $112 |
Cheapest Car Insurance Companies for Young Drivers in Long Beach
Progressive offers the most affordable auto insurance for young drivers at $84 per month. For more information, explore affordable auto insurance. The table below shows other companies with competitive rates.
| Progressive | $84 | $50 |
| GEICO | $93 | $41 |
| Capital Insurance Group | $98 | $36 |
| National General | $113 | $21 |
| AAA | $121 | $13 |
| State National | $122 | $12 |
| Allstate | $126 | $8 |
| Mercury | $129 | $5 |
| Hartford | $131 | $3 |
| Nationwide | $131 | $2 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Long Beach
Progressive and Capital Insurance Group offer some of the cheapest car insurance in the city, but rates vary based on factors like driving history and coverage needs. Below, find a table with the cheapest providers for different driver and coverage profiles that may better fit you.
| Progressive | Minimum Coverage | $41 |
| Progressive | Full Coverage | $99 |
| National General | Drivers With a DUI | $99 |
| Capital Insurance Group | Drivers With An Accident | $96 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $94 |
Cheapest Car Insurance Companies for Seniors in Long Beach
Progressive offers the cheapest monthly premium for seniors at $70 for both minimum and full coverage. GEICO follows with a rate of $78 per month. The table below shows top car insurance providers for seniors in Long Beach.
| Progressive | $70 | $34 |
| GEICO | $78 | $26 |
| Capital Insurance Group | $82 | $22 |
| Hartford | $86 | $18 |
| State Farm | $90 | $14 |
| AAA | $94 | $10 |
| National General | $94 | $10 |
| State National | $94 | $10 |
| Nationwide | $95 | $9 |
| Mercury | $100 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Long Beach
In Long Beach, high-risk driver profiles influence car insurance rates differently than the state average. Minimum coverage costs around $1,362 annually, while full coverage is $3,250. Those with bad credit and DUIs face the highest costs. Meanwhile, accidents and speeding tickets have a smaller impact on insurance rates.
| State Average | $1,239 | $2,989 |
| Long Beach Average | $1,362 | $3,250 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Long Beach typically consider minor driving incidents like a not-at-fault accident or speeding ticket for three to five years. For serious offenses such as a DUI, the period extends up to ten years, and you may need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Long Beach
National General offers the cheapest minimum coverage for drivers with a DUI at $804 per year. For the most affordable full coverage, consider Capital Insurance Group at $2,654 annually. Check out the table below for more low-cost coverage options.
| National General | $67 | $127 |
| Capital Insurance Group | $89 | $221 |
| Progressive | $87 | $234 |
| Mercury | $93 | $237 |
| Farmers | $98 | $335 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Long Beach
Capital Insurance Group, Farmers, and GEICO offer the cheapest car insurance for those with an at-fault accident record. Discover more about cheapest auto insurance after an at-fault accident. Below is a table showing various providers in Long Beach offering affordable car insurance coverage for drivers with an at-fault accident violation.
| Capital Insurance Group | $59 | $145 |
| GEICO | $80 | $194 |
| State National | $82 | $203 |
| Progressive | $80 | $204 |
| Farmers | $78 | $268 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Long Beach
Capital Insurance Group is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $56 and full coverage at $142. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| National General | $67 | $127 |
| Capital Insurance Group | $56 | $142 |
| GEICO | $68 | $173 |
| Progressive | $72 | $188 |
| Kemper | $72 | $193 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Long Beach, CA
In California, each city's car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
For example, if you're at fault in an accident, your minimum coverage will pay up to $15,000 for injuries to one person and $30,000 total per accident, plus $5,000 for property damage.
Cheap Car Insurance in Long Beach: Bottom Line
Progressive shines as Long Beach's cheapest car insurance for minimum and full coverage. No matter your age or credit, you'll find affordable options tailored to you. Remember, your policy must include California's mandatory coverage: bodily injury and property damage liability. By comparing car insurance, secure rates that fit your budget and meet California's protection standards.
Long Beach Auto Insurance: FAQ
This FAQ section offers quick answers to help you find the cheapest and best car insurance options in Long Beach. Discover how to secure affordable plans that meet the minimum coverage requirements without breaking the bank.
What is the cheapest car insurance company in Long Beach, California?
Progressive offers the cheapest car insurance in Long Beach, California, with a monthly rate of $40 for state minimum coverage, saving users $23 monthly.
What is the best car insurance company in Long Beach, California?
State National is the best car insurance provider in Long Beach, California, with an annual premium of $1,203 for minimum coverage.
How much does car insurance cost on average in Long Beach?
The average monthly cost for minimum coverage auto insurance in Long Beach ranges from $62 to $150.
Best Cheap Car Insurance in Long Beach: Our Methodology
MoneyGeek Analysis of Long Beach Auto Insurance Prices
MoneyGeek conducted an analysis of Long Beach auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Long Beach Driver Profile
To assess the best and most affordable auto insurance options for Long Beach residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Long Beach
In assessing the car insurance quotes for Long Beach, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Long Beach
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Long Beach. For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.