What is the average cost of car insurance in Long Beach?

Drivers in Long Beach pay an estimated $2,358 per year on average for full-coverage auto insurance — about 15% above the California state average of $2,050.

How can I find cheaper car insurance in Long Beach?

Drivers who compare 3+ insurers can save up to $487/year on average. Raising your deductible to $1,000, bundling home and auto, and asking about telematics-based discounts are the next-fastest wins. Prop 103 prohibits credit-based insurance pricing — clean record matters more here.

Long Beach, CA

Cheap Car Insurance in Long Beach

Long Beach drivers pay an average of $2,358/year for auto insurance — 15% above the California state average. Compare quotes and save.

Why Long Beach drivers pay more

Long Beach inherits LA's high-density / high-theft pricing band. Across California, the average annual premium is $2,050; Long Beach comes in at about $2,358 — 15% above the state benchmark.

Premiums vary widely within Long Beach based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.

5 ways to lower your Long Beach car insurance

Compare 3+ insurers — drivers who shop can save up to $487/year on average.
Raise your deductible from $500 to $1,000 if you have an emergency fund.
Bundle auto with home or renters insurance (10-25% discount).
Ask about telematics/usage-based discounts (10-30% if you drive carefully).
Consider your ZIP — moving even one ZIP over in Long Beach can shift your premium 10-20%.

Long Beach drivers

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