Best Cheap Car Insurance in Long Beach for 2021 | Bankrate
The average cost of car insurance in Long Beach is $836 per year for minimum coverage and $2,245 for a full coverage policy. Because the average cost in the U.S. is $1,674 per year for full coverage, this makes Long Beach more expensive on average. It is also another reason for drivers to look for the best cheap car insurance rates possible.
To find the best cheap car insurance in Long Beach, Bankrate reviewed several regional and national carriers, including third-party data. While rates were analyzed, we also considered other including discounts available, financial strength ratings and coverage options.
Best car insurance companies in Long Beach
To find the best car insurance companies in Long Beach, Bankrate examined third-party ratings, such as the J.D. Power score for overall customer satisfaction in auto insurance plus the AM Best ratings for financial strength. A handful of carriers stand out for these ratings plus the variety of coverage options and discounts available.
| Insurance company | J.D. Power score California region | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| Geico | 828 / 1000 | $626 | $1,794 |
| Wawanesa | 853 / 1000 | $684 | $1,649 |
| Progressive | 819 / 1000 | $752 | $1,968 |
| Travelers | Not rated | $786 | $1,929 |
Geico
Geico has issued auto insurance policies for over 75 years and has grown to become the second-largest provider of auto insurance in the country. Geico offers standard coverage options you would expect from any auto insurance provider, but is somewhat limited in the number of optional choices. What makes Geico stand out is the low rates among the multiple carriers, plus the online tools and mobile app for easy on-the-go policy management.
Learn more: Geico Insurance review
Wawanesa
Wawanesa is a regional carrier with the same offerings from the big national carriers. Wawanesa scores an impressive 853 out 1,000 with the J.D. Power survey, which is one of the highest scores for California. This carrier offers all the standard coverages and a variety of optional coverages for greater protection. One option is the rental car coverage, which provides reimbursement to you if your car is in the shop due to an accident and you need a rental.
Learn more: Wawanesa Insurance review
Progressive
Progressive is the third-largest provider of auto insurance in the U.S. and also offers multiple ways to manage your policy — whether through the online portal, an app, an agent or calling customer service. Progressive performs above industry averages for California in the J.D. Power survey, but the number of discounts offered is where the carrier really stands out. Discounts range from multi-vehicle and multi-policy, to purchasing a policy online or going paperless with your statements.
Learn more: Progressive Insurance review
Travelers
Travelers does not have a score on the J.D. Power survey, however, it is ranked within the Top 10 largest auto insurance providers in the U.S. Not only does Travelers offer competitive rates for drivers in Long Beach, but the optional coverages are also exceptional. Coverages such as gap insurance, roadside assistance, new car replacement and rideshare coverage are examples of ways to round out your policy with Travelers.
Learn more: Travelers Insurance review
Cheapest car insurance in Long Beach
The average cost of car insurance in Long Beach is $836 per year for minimum coverage and $2,245 for a full coverage policy. This is well above the $2,065 annual average for Californians and $1,674 average annual cost found across the U.S. This is one reason why finding the cheapest car insurance in Long Beach is important to drivers.
Fortunately, there are carriers not only offering competitive, cheap rates but with other advantages for drivers too. Geico, AAA, Mercury, Progressive and MetLife all have premiums slightly under the average costs. All five of these companies post strong financial strength ratings, with Mercury receiving an A from AM Best and the other carriers receiving at least an A+. All five have mobile apps for policy management on your smartphone, but Geico receives the highest ratings and has the most functions for auto insurance.
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| 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 each driver to carry a minimum amount of insurance. This includes 15/30/5 of liability coverage:
- $15,000 for bodily injury/death per person
- $30,000 for bodily injury/death per accident
- $5,000 for property damage per accident
While purchasing the minimum requirements may keep you legal for driving, it may not be enough to protect your finances. For instance, if you are determined to be the at-fault driver in a multi-vehicle, multi-injury crash, the $30,000 in bodily injury coverage and $5,000 for property damage may not be adequate. If your limits are too low, a driver could sue you to recover the additional expense for injuries and damage.
Car insurance discounts in Long Beach
One of the simplest methods of maximizing savings on your premiums is to take advantage of as many discounts from carriers as possible. There are discounts for a variety of reasons, including:
- Multi-vehicle: Insuring more than one vehicle on the same policy should equal savings on your premiums. If you have more than one vehicle in your household then you should ask about this discount.
- Claims-free: If you remain claims-free, without any tickets or accidents within a certain time period, most carriers will reward you with lower premiums.
- Loyalty: If you have had your policy with a carrier for a few or more years, ask about a loyalty discount.
- Good student: If you are a student and maintain at least a B average, you may qualify for a good student discount with most carriers.
Discounts are a major way to save on premiums, but there are other tactics you may want to consider. If you add the optional comprehensive or collision protection to your policy, taking on a higher deductible will cost less than choosing a $0 or $250 deductible. The more out-of-pocket costs you agree to take on, the lower your premiums will be.
Frequently asked questions
What is the best car insurance company in Long Beach?
To find the best car insurance company 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 has also conducted its own research and found Geico, State Farm, USAA and Amica are all examples of top choice providers.
Should I add the uninsured motorist coverage to my policy?
Uninsured motorist coverage is an optional coverage in California. It provides liability coverage if you are involved in an accident and the at-fault driver does not have any insurance coverage. With this coverage, you would not have to pay as much out of pocket, such as medical expenses, if you were involved in this type of accident.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
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