Cheapest Auto Insurance in Long Beach, California (2025)
USAA offers the cheapest car insurance in Long Beach, with minimum-coverage policies as low as $97 per month.
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Long Beach, California, drivers pay an average of $241 per month for full-coverage car insurance, which is on par with the state’s average rate of $200 per month. But Long Beach drivers still pay lower average rates than drivers who live in Los Angeles, despite its proximity to L.A.
Because insurance companies consider accident rates in cities, Long Beach’s lower traffic injury and fatality rates, compared to Los Angeles, may contribute to the city’s lower car insurance premiums.[?]
Long Beach drivers may be able to lower their car insurance rates even more by comparing quotes, looking for discounts, and bundling policies.
Quick Facts
USAA, National General, and Sun Coast have the cheapest car insurance in Long Beach.
Long Beach drivers pay an average of $2,896 per year for full-coverage car insurance.
The overall average rate of $178 per month in Long Beach is higher than the overall national average of $138 per month.
3 of the cheapest car insurance companies in Long Beach
Finding the ideal car insurance company in Long Beach involves careful consideration of your personal requirements and situation rather than choosing the cheapest policy. Factors such as your driving history, vehicle type, and coverage preferences can influence the rates you get from different companies.
To help you in the insurance-shopping process, here are some of the best car insurance companies in Long Beach.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Mile Auto | 8.8 | $108 | $63 | Low-mileage drivers |
| Clearcover | 7.1 | $137 | $67 | Digital policy management |
| Travelers | 8.5 | $301 | $131 | Full coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low-mileage drivers: Mile Auto
Best insurer for digital policy management: Clearcover
Best insurer for full coverage: Travelers
How to get the cheapest car insurance in Long Beach
If you want to save money on car insurance in Long Beach, you may have to do a little legwork. Keep these tips in mind as you shop for quotes from different insurers:
Prioritize safe driving. By adhering to traffic laws, avoiding accidents, and steering clear of violations, you can maintain a clean driving record, which can positively affect your insurance rates.
Compare different companies. Remember, the goal isn’t just to find cheap car insurance in Long Beach, but to find the right policy at the best price. Since insurance companies offer different rates to drivers, it’s crucial to compare quotes from multiple insurance companies to find the most suitable deal.
Explore available discounts. Many insurance companies offer discounts for different things, such as good grades, low mileage, or specific safety features in your vehicle, that you or your family members may qualify for. Additionally, you may be able to get a discount when you bundle a home insurance policy with an auto policy.
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Cheapest liability-only car insurance in Long Beach: USAA
If you want the cheapest car insurance you can qualify for, consider a liability-only policy, which offers coverage to pay for other parties’ injuries and property damage when you cause an accident. But this type of coverage doesn’t extend to your own medical bills or vehicle repair costs.
Liability insurance in Long Beach costs an average of $116 per month.
Here are some of the cheapest car insurance companies for liability-only policies in Long Beach.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $97 |
| National General | $108 |
| Sun Coast | $113 |
| Dairyland | $115 |
| Root | $123 |
| Mercury | $125 |
| Allstate | $135 |
| Farmers | $140 |
| Direct Auto | $141 |
| GEICO | $141 |
| Anchor | $142 |
| Bristol West | $148 |
| State Farm | $150 |
| Travelers | $158 |
| 21st Century | $172 |
| Nationwide | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Long Beach: USAA
Liability-only car insurance in California covers the damages and injuries you cause to others. For people looking for additional protection, full-coverage car insurance typically includes liability, comprehensive, and collision coverages — adding coverage for damages to your vehicle, even if you’re at fault in an accident.
Long Beach drivers pay an average of $241 per month for full-coverage car insurance.
If you’re looking for affordable full-coverage policies in Long Beach, start your search with the cheapest companies below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $224 |
| Root | $226 |
| Anchor | $229 |
| Mercury | $238 |
| GEICO | $249 |
| Sun Coast | $285 |
| Allstate | $309 |
| National General | $312 |
| Farmers | $318 |
| State Farm | $344 |
| Bristol West | $348 |
| Travelers | $361 |
| Direct Auto | $374 |
| 21st Century | $393 |
| Dairyland | $403 |
| Nationwide | $485 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in California
Like in many other states, California requires drivers to carry car insurance coverage that meets the state’s minimum requirement.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[?]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Although you can drive legally by purchasing liability-only coverage at California’s required limits, you may want more protection that covers more situations. Consider maximizing your auto policy’s protection with these optional coverages:
California’s low-cost auto insurance program
California’s Low Cost Automobile insurance program (CLCA) provides affordable options for drivers amid rising rates. The program offers car insurance coverage with annual premiums ranging from $232 to $932, depending on the county.
To qualify for the program, drivers must meet specific criteria, including:
Holding a valid California driver’s license
Meeting income eligibility requirements
Owning a vehicle valued at $25,000 or less
Being at least 16 years old
Maintaining a good driving record or being a new driver
The program’s auto insurance satisfies the state’s minimum liability requirements. Additionally, drivers have the choice to enhance their coverage by adding medical payments and uninsured/underinsured motorist coverage for an extra cost of $37 to $107 per year. Interested drivers can apply for the program online through MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
For drivers with a history of incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations, finding affordable car insurance is a top priority. These incidents often lead to increased insurance premiums for several years, as they signal a greater chance of future claims to car insurers.
But it’s still possible to find affordable coverage despite having a less-than-perfect driving record.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Operating a vehicle above the speed limit is a hazardous practice that can have detrimental consequences for your own safety and the well-being of others. For example, in 2021, Long Beach reported more than 300 fatalities and injuries from speed-related crashes.[?] Having a speeding ticket on your driving record will likely lead to increased auto insurance premiums when compared to maintaining a clean record.
People in Long Beach with a speeding ticket pay an average of $142 per month for liability coverage and $295 per month for full coverage.
The table below shows the cheapest companies for drivers with a speeding ticket in Long Beach, California, and how rates compare to those for drivers with a clean record.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $97 | $122 |
| National General | $108 | $133 |
| Sun Coast | $113 | $138 |
| Dairyland | $115 | $141 |
| Root | $123 | $161 |
| Allstate | $135 | $171 |
| Mercury | $125 | $173 |
| Anchor | $142 | $173 |
| Direct Auto | $141 | $175 |
| Farmers | $140 | $175 |
| GEICO | $141 | $181 |
| Bristol West | $148 | $183 |
| State Farm | $150 | $186 |
| Travelers | $158 | $200 |
| 21st Century | $172 | $221 |
| Nationwide | $212 | $268 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Having an at-fault accident on your driving record often results in an increase in auto insurance premiums through a surcharge that your insurer will add to your premium for several years. Insurance companies raise rates to offset potential financial risks associated with future accidents and claims.[?] And too many accidents on your record may cause your insurance company to not renew your policy at the end of the term.
Long Beach drivers with an accident on their record pay $138 per month for liability insurance and $286 per month for full-coverage insurance, on average.
Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident in Long Beach.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $97 | $121 |
| Sun Coast | $113 | $134 |
| National General | $108 | $135 |
| Dairyland | $115 | $143 |
| Root | $123 | $152 |
| Allstate | $135 | $168 |
| GEICO | $141 | $169 |
| Farmers | $140 | $174 |
| Anchor | $142 | $176 |
| Mercury | $125 | $176 |
| Direct Auto | $141 | $182 |
| Bristol West | $148 | $183 |
| State Farm | $150 | $185 |
| Travelers | $158 | $198 |
| 21st Century | $172 | $218 |
| Nationwide | $212 | $266 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is a grave offense that carries heavy consequences, including considerably higher car insurance premiums. In California, a DUI conviction will result in an SR-22 insurance filing requirement with the state, signifying to insurers that you’re a high-risk driver. Insurance companies view a DUI history as a substantial financial liability and often adjust premiums accordingly. If you’re convicted of a DUI, your insurer may even cancel your policy mid-term or decide not to renew it when the current policy term ends.
Liability coverage costs an average of $144 per month for Long Beach drivers with a DUI on their record. Full-coverage policies increase to an average of $300 per month.
If you have a DUI on your record, consider the following insurers in Long Beach that offer the cheapest average monthly quotes.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $97 | $132 |
| Sun Coast | $113 | $140 |
| National General | $108 | $147 |
| Dairyland | $115 | $156 |
| Root | $123 | $165 |
| Mercury | $125 | $177 |
| Allstate | $135 | $183 |
| GEICO | $141 | $186 |
| Farmers | $140 | $190 |
| Direct Auto | $141 | $191 |
| Anchor | $142 | $197 |
| Bristol West | $148 | $201 |
| State Farm | $150 | $204 |
| Travelers | $158 | $214 |
| 21st Century | $172 | $233 |
| Nationwide | $212 | $288 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Age plays a major role in car insurance rates, with a usual trend of decreasing premiums as drivers acquire more experience and reach their mid-20s.
Once drivers reach 70 years old, premiums might slightly increase due to increased accident risks.[?] But senior drivers tend to pay lower premiums, on average, compared to other age groups because of their years of experience and fewer miles driven in retirement.
Senior drivers in Long Beach pay a monthly average of $215 for full-coverage car insurance.
For senior drivers in Long Beach, here are the auto insurance companies that offer some of the most competitive average monthly quotes.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $186 | $81 |
| Anchor | $192 | $119 |
| Root | $193 | $105 |
| Mercury | $197 | $103 |
| GEICO | $202 | $114 |
| National General | $250 | $87 |
| Sun Coast | $254 | $101 |
| Allstate | $257 | $112 |
| Farmers | $258 | $113 |
| State Farm | $277 | $121 |
| Bristol West | $294 | $125 |
| Travelers | $294 | $129 |
| Direct Auto | $307 | $116 |
| 21st Century | $315 | $138 |
| Dairyland | $340 | $97 |
| Nationwide | $379 | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Car insurance rates for teenagers are more expensive compared to older drivers due to their lack of experience on the road and heightened risk factors.[?]
Teen drivers in Long Beach pay $217 per month for a minimum-coverage policy, on average.
If you’re a teen driver in Long Beach, one effective method for finding affordable car insurance is to remain on a parent’s insurance policy, as this often results in lower premiums. And if you’re younger than 18, you won’t be able to buy your own policy unless your parent or guardian gives written permission.
Additionally, look for car insurance companies that offer student-specific discounts, like a good grades discount, student-away-at-school discount, and a discount for completing teenSMART, a widely available driver education course designed to help teens practice safe driving habits and reduce their risk of getting into an accident.
The table below shows the cheapest car insurance companies for Long Beach teen drivers with their own insurance policies.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Root | $400 | $218 |
| Anchor | $404 | $250 |
| USAA | $419 | $182 |
| Mercury | $449 | $236 |
| GEICO | $457 | $259 |
| Sun Coast | $534 | $212 |
| Allstate | $618 | $270 |
| Bristol West | $631 | $268 |
| Farmers | $632 | $278 |
| National General | $641 | $222 |
| State Farm | $672 | $293 |
| Dairyland | $679 | $194 |
| 21st Century | $724 | $317 |
| Direct Auto | $743 | $280 |
| Travelers | $748 | $327 |
| Nationwide | $959 | $419 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Long Beach?
The average cost of full-coverage car insurance in the U.S. is $177 per month, and in California, it’s $200. In Long Beach, drivers pay slightly more per month, on average.
Insurance rates can vary significantly depending on the ZIP code, and factors like weather, crime, and traffic conditions can also affect rates.
More cities in California
While car insurance rates in Long Beach are generally higher compared to many other cities in California, some exceptions exist. Cities like Los Angeles, which has a larger population and more traffic congestion, typically have higher average car insurance costs.
The following table shows average monthly quotes in some other major cities in California.
City | Full Coverage | Liability Only |
|---|---|---|
| Bakersfield | $186 | $82 |
| Fresno | $182 | $84 |
| Los Angeles | $311 | $158 |
| Modesto | $203 | $95 |
| Oakland | $242 | $102 |
| Sacramento | $215 | $104 |
| San Diego | $179 | $84 |
| San Francisco | $258 | $107 |
| San Jose | $197 | $89 |
| Stockton | $212 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Long Beach car insurance FAQs
Below are Insurify’s answers to common questions about car insurance in Long Beach. You can also check out Insurify’s guide on switching car insurance if you find a new company you want to switch to.
How much is car insurance in Long Beach?
The average cost of car insurance in Long Beach is $116 per month for liability-only coverage and $241 per month for full coverage.
What companies have the cheapest insurance in Long Beach?
USAA has the cheapest car insurance in Long Beach, with monthly liability rates as low as $97. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $108 and $113.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Long Beach?
A few of the best car insurance companies in Long Beach include Clearcover, Mile Auto, and Travelers. These auto insurers offer coverage options to meet different needs, like digital policy management, full-coverage car insurance customization, or usage-based insurance.
But the best insurer for you may not be the one that’s best for someone else. Always compare quotes from multiple insurance companies to find the one that offers the best rates for the coverage you need.
What types of coverage are available for car insurance in Long Beach?
Long Beach drivers can find plenty of coverage options for car insurance. Insurers in the city typically offer comprehensive, collision, medical payments, roadside assistance, gap coverage, and rental car reimbursement for drivers to customize their auto insurance policies.
Can auto insurers use your credit score to set rates in California?
No. California car insurance companies can’t use your credit score when underwriting policies.[?] This means that you won’t pay more for car insurance just because you have no credit history or a bad credit score.
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