The average cost of auto insurance in Long Beach is $ 836 per year for minimum coverage and $ 2,245 for full insurance. Since the average US cost for full coverage is $ 1,674 per year, Long Beach is more expensive on average. This is also another reason for motorists to look for the cheapest car insurance rates.
To find the best cheap car insurance in Long Beach, Bankrate reviewed several regional and national airlines, including third-party data. While analyzing interest rates, we also considered others, including available discounts, financial strength ratings, and coverage options.
The best auto insurance in Long Beach
To find the best auto insurance companies in Long Beach, Bankrate researched third-party reviews such as the JD Power Score for overall customer satisfaction in auto insurance and the AM Best ratings for financial strength. A handful of airlines stand out for these ratings as well as the wide variety of coverage options and discounts available.
|insurance company||JD Power Score California region||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|Geico||828/1000||$ 626||$ 1,794|
|Wawanesa||853/1000||$ 684||$ 1,649|
|Progressive||819/1000||$ 752||$ 1,968|
|traveler||Not rated||$ 786||$ 1,929|
Geico has been issuing auto insurance for over 75 years and has grown to become the second largest auto insurance provider in the country. Geico offers standard coverage options that you would expect from any auto insurance provider, but is somewhat limited in the number of optional options. What sets Geico apart are the low tariffs offered by the various providers, as well as the online tools and the mobile app for easy policy management on the go.
Learn more: Geico insurance valuation
Wawanesa is a regional airline with the same services offered by the major national airlines. Wawanesa scores an impressive 853 out of 1,000 in the JD Power poll, which is one of the highest scores for California. This carrier offers all of the standard covers and a variety of optional covers for added protection. One option is rental car insurance, which offers you a reimbursement if your car is in the workshop due to an accident and you need to rent it.
Learn more: Assessment of Wawanesa Insurance
Progressive is the third largest car insurance provider in the US and also offers several options for managing your policy – be it via the online portal, an app, an agent or customer service over the phone. Progressive scores above the industry average for California in JD Power poll, but the number of discounts on offer really stands out the airline. Discounts range from multiple vehicles and multiple policies to purchasing a policy online or paperless bank statements.
Learn more: Progressive insurance review
Travelers does not score in the JD Power poll, but is ranked in the top 10 largest auto insurance providers in the US. Coverage such as gap insurance, breakdown assistance, new car replacement and carpooling are examples of ways to round off your policy with Travelers.
Learn more: Travel Insurance Review
Cheapest auto insurance in Long Beach
The average cost of auto insurance in Long Beach is $ 836 per year for minimum coverage and $ 2,245 for full insurance. This is well above the annual average of $ 2,065 for Californians and an average annual cost of $ 1,674 in the US. This is one reason why it is important for motorists to find the cheapest auto insurance in Long Beach.
Fortunately, not only are there competitive, affordable fares, but other benefits for drivers as well. Geico, AAA, Mercury, Progressive, and MetLife all have rewards that are slightly below average cost. All five of these companies have strong financial strength ratings, with AM Best giving Mercury an A and the rest of the airlines getting at least an A +. All five have policy management mobile apps on their smartphone, but Geico gets the highest ratings and has the most auto insurance features.
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|Geico||$ 626||$ 1,794|
|AAA||$ 660||$ 2,123|
|Mercury||$ 724||$ 1,839|
|Progressive||$ 752||$ 1,968|
|MetLife||$ 759||$ 1,934|
Long Beach Insurance Requirements
California requires every driver to have a minimum amount of insurance. This includes 15/30/5 of liability insurance:
- $ 15,000 personal injury / death per person
- $ 30,000 for personal injury / death per accident
- $ 5,000 for property damage per accident
While purchasing the minimums may keep you legal to drive, it may not be enough to protect your finances. For example, if you are found to be the culprit driver in a multiple vehicle accident with multiple injuries, the $ 30,000 for personal injury and $ 5,000 for property damage may not be enough. If your limits are too low, a driver can sue you for reimbursement of additional costs for injuries and damage.
Auto Insurance Discounts in Long Beach
One of the easiest ways to maximize your premiums is to take advantage of as many discounts as possible with the carriers. Discounts are available for a number of reasons, including:
- Multi-vehicle: If you insure more than one vehicle in the same policy, you should save your premiums. If you have more than one vehicle in your household, you should ask about this discount.
- Complaint-free: If you stay claims-free within a certain period of time, with no tickets or accidents, most airlines will reward you with lower premiums.
- loyalty: If you have been insured with a freight forwarder for a few years or more, ask about a loyalty discount.
- Good student: If you are a student and have at least a B average, you can get a good student discount on most airlines.
Discounts are an important way to save on premiums, but there are other tactics you should consider as well. When you add the optional fully comprehensive or collision protection to your policy, paying a higher excess costs less than choosing a $ 0 or $ 250 excess. The more expenses you want to cover, the lower your premiums will be.
frequently asked Questions
What is the best auto insurance in Long Beach?
In order to find the best auto insurance in Long Beach you should weigh a number of factors. Understanding a carrier’s customer service ratings, financial strength, coverage options, and discounts is a comprehensive approach to choosing the best policy for you. Bankrate also did its own research and found that Geico, State Farm, USAA and Amica are examples of top notch providers.
Should I add uninsured motorist insurance to my policy?
Uninsured motorist insurance is an optional coverage in California. It offers liability cover if you are involved in an accident and the driver at fault has no insurance cover. With this coverage you would not have to pay as much out of your own pocket as medical expenses for example in an accident of this kind.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all postcodes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury from an uninsured motorist per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
To set the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.