- Long Beach car insurance averages $2,214 per year, or about $185 per month for a full coverage policy.
- Long Beach car insurance averages $42 per year more than the California state average rate and $486 per year more than the average rate for all 50 U.S. states.
- Compact SUV models like the Subaru Forester, Buick Encore, and Subaru Crosstrek are a few of our top picks for cheap car insurance in Long Beach.
- Car insurance quotes in Long Beach can range from as low as $30 per month for minimum liability insurance to over $687 per month for teenage drivers and high-risk drivers.
How much does Long Beach car insurance cost?
Long Beach car insurance costs an average of $2,214 per year, which is 24.7% more than the national average rate of $1,728. The average monthly cost of car insurance in Long Beach is $185 for a policy with full coverage.
In the state of California, the average car insurance expense is $2,172 per year, so the average cost in Long Beach is $42 more per year. When rates are compared to other locations in California, the average cost of car insurance in Long Beach is approximately $186 per year more expensive than in San Jose, $202 per year cheaper than in San Francisco, and $276 per year more than in San Diego.
The age of the driver is one of the largest factors in the cost of car insurance, so the list below illustrates this by breaking down average car insurance rates for drivers from age 16 to 60.
Average cost of car insurance in Long Beach, California, by driver age
- 16-year-old driver – $7,926 per year or $661 per month
- 17-year-old driver – $7,414 per year or $618 per month
- 18-year-old driver – $6,926 per year or $577 per month
- 19-year-old driver – $6,268 per year or $522 per month
- 20-year-old driver – $4,404 per year or $367 per month
- 30-year-old driver – $2,332 per year or $194 per month
- 40-year-old driver – $2,214 per year or $185 per month
- 50-year-old driver – $2,014 per year or $168 per month
- 60-year-old driver – $1,980 per year or $165 per month
The chart below shows additional data for the 20 to 60-year-old age groups by including rates for three different policy deductible limits. These extra rates can help you understand how car insurance cost increases with lower deductibles, and decreases when deductible are raised.
In the chart above, the cost of auto insurance in Long Beach ranges from $1,672 per year for a 60-year-old driver with a high deductible policy to $5,116 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the prior chart ranges from $139 to $426 per month.
Long Beach auto insurance rates have different premiums for every driver and slight changes in driver risk profiles can have significant effects on car insurance cost. This amount of variability reinforces the need for multiple car insurance quotes when shopping online for the cheapest Long Beach auto insurance.
The most popular models in Long Beach tend to be small or midsize sedans like the Hyundai Elantra, Honda Civic, and Nissan Altima and small or midsize SUVs like the Ford Escape, Chevy Equinox, and Chevy Traverse.
Other popular vehicles from other segments include luxury SUVs like the Acura MDX and Lexus RX 350, luxury cars like the Acura ILX and BMW 530i, and pickup trucks like the Ford F-150 and Ford Ranger.
We will cover additional rates in the upcoming sections, but before we get into those numbers, let’s review the concepts that were discussed up to this point.
- Auto insurance gets cheaper the older you are – Average car insurance rates for a 60-year-old driver in Long Beach are $2,424 per year cheaper than for a 20-year-old driver.
- Auto insurance with low deductibles costs more – A 50-year-old driver pays an average of $872 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
- Long Beach auto insurance prices are more expensive than the California state average – $2,214 (Long Beach average) compared to $2,172 (California average)
- Teenage girls pay cheaper rates than teenage males – Teenage females pay $692 to $946 less annually than their male counterparts.
- Insurance rates fall substantially from age 20 to 30 – The average 30-year-old Long Beach, California, driver will pay $2,072 less each year than a 20-year-old driver, $2,332 versus $4,404.
- Insuring a teenager costs a lot – Average cost ranges from $5,576 to $7,926 per year to insure a teenage driver in Long Beach.
Which autos have cheap insurance in Long Beach?
When comparing all car, SUV, and pickup models, the models with the lowest cost average auto insurance prices in Long Beach, CA, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Rogue Sport.
Average car insurance prices for those models cost $1,770 or less per year, or $148 per month, for full coverage car insurance.
Examples of other vehicles that rank well in our cost comparison are the Chevrolet Colorado, Ford Maverick, Honda CR-V, and Hyundai Kona.
Average cost is somewhat higher for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have average rates of $1,874 or less per year, or about $156 per month in Long Beach.
The following table shows the 25 cheapest vehicles to insure in Long Beach, ordered by cost.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,674 | $140 |
| 2 | Subaru Crosstrek | $1,692 | $141 |
| 3 | Nissan Kicks | $1,696 | $141 |
| 4 | Honda Passport | $1,720 | $143 |
| 5 | Nissan Rogue Sport | $1,724 | $144 |
| 6 | Mazda CX-5 | $1,738 | $145 |
| 7 | Buick Encore | $1,762 | $147 |
| 8 | Buick Envision | $1,770 | $148 |
| 9 | Kia Seltos | $1,792 | $149 |
| 10 | Subaru Ascent | $1,798 | $150 |
| 11 | Hyundai Venue | $1,806 | $151 |
| 12 | Subaru Impreza | $1,830 | $153 |
| 13 | Ford Maverick | $1,838 | $153 |
| 14 | Honda HR-V | $1,838 | $153 |
| 15 | Chevrolet Colorado | $1,842 | $154 |
| 16 | Acura RDX | $1,848 | $154 |
| 17 | Hyundai Kona | $1,856 | $155 |
| 18 | Subaru Forester | $1,866 | $156 |
| 19 | Honda CR-V | $1,874 | $156 |
| 20 | Ford Edge | $1,876 | $156 |
| 21 | Mazda CX-30 | $1,882 | $157 |
| 22 | Ford Explorer | $1,884 | $157 |
| 23 | Volkswagen Atlas | $1,892 | $158 |
| 24 | Chevrolet Trax | $1,900 | $158 |
| 25 | Nissan Murano | $1,900 | $158 |
A table showing 25 ranked vehicles is great if you just want the lowest rates. A better way to group and rank car insurance rates for more vehicles in an organized fashion is to sort them by segment. The next six sections rank the vehicles with the cheapest insurance rates in Long Beach for the most popular vehicle segments.
Cheapest car insurance rates in Long Beach
The top three 2-door and 4-door sedans and hatchbacks with the lowest-cost car insurance in Long Beach are the Subaru Impreza at $1,830 per year, the Volkswagen Jetta at $2,020 per year, and the Subaru Legacy at $2,038 per year.
Rounding out the top 10 are cars like the Toyota Camry, Volkswagen Golf, Kia K5, and Mazda 3, with an average car insurance cost of $2,136 per year or less.
In the bottom half of the top 20, models like the Chrysler 300, Chevrolet Malibu, Toyota Crown, Tesla Model 3, Honda Civic, and Mitsubishi Mirage G4 average between $2,136 and $2,322 per year for auto insurance in Long Beach.
As a cost per month, auto insurance rates on this segment in Long Beach for a good driver starts at an average of $153 per month, depending on the company and your location.
If rates are ranked based on vehicle size, the most budget-friendly non-luxury compact car to insure in Long Beach is the Subaru Impreza at $1,830 per year. For midsize models, the Subaru Legacy has the best rates at $2,038 per year. And for large cars, the Chrysler 300 is most affordable to insure at $2,158 per year.
The next table ranks the cars with the cheapest average auto insurance rates in Long Beach, starting with the Subaru Impreza at $1,830 per year and ending with the Volkswagen Arteon at $2,322 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,830 | $153 |
| Volkswagen Jetta | Compact | $2,020 | $168 |
| Subaru Legacy | Midsize | $2,038 | $170 |
| Nissan Sentra | Compact | $2,052 | $171 |
| Toyota Corolla | Compact | $2,078 | $173 |
| Volkswagen Golf | Compact | $2,082 | $174 |
| Toyota Prius | Compact | $2,084 | $174 |
| Toyota Camry | Midsize | $2,104 | $175 |
| Mazda 3 | Compact | $2,120 | $177 |
| Kia K5 | Midsize | $2,136 | $178 |
| Chevrolet Malibu | Midsize | $2,152 | $179 |
| Chrysler 300 | Full-size | $2,158 | $180 |
| Honda Civic | Compact | $2,166 | $181 |
| Kia Forte | Compact | $2,168 | $181 |
| Mitsubishi Mirage G4 | Compact | $2,182 | $182 |
| Nissan Leaf | Compact | $2,232 | $186 |
| Honda Accord | Midsize | $2,238 | $187 |
| Toyota Crown | Midsize | $2,246 | $187 |
| Tesla Model 3 | Midsize | $2,262 | $189 |
| Volkswagen Arteon | Midsize | $2,322 | $194 |
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Long Beach car insurance quotes from top-rated car insurance companies in California.
Cheap SUVs to insure in Long Beach, CA
Ranking at the top for the lowest-cost Long Beach car insurance rates in the non-luxury SUV segment are the Nissan Rogue Sport, Nissan Kicks, Chevrolet Trailblazer, Subaru Crosstrek, and Honda Passport. Car insurance rates for these 2023 models average $1,724 or less per year, or around $144 per month.
Rounding out the top 10 are SUVs like the Kia Seltos, Buick Encore, Subaru Ascent, and Buick Envision, with average insurance cost of $1,798 per year or less.
On a monthly basis, auto insurance in this segment for a middle-age safe driver can cost as low as $140 per month, depending on your location.
When vehicle size is factored in, the most affordable compact SUV to insure in Long Beach is the Chevrolet Trailblazer at $1,674 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,720 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,074 per year.
The comparison table below ranks the SUVs with the most affordable average insurance rates in Long Beach, starting with the Chevrolet Trailblazer at $1,674 per year and ending with the Chevrolet Trax at $1,900 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,674 | $140 |
| Subaru Crosstrek | Compact | $1,692 | $141 |
| Nissan Kicks | Compact | $1,696 | $141 |
| Honda Passport | Midsize | $1,720 | $143 |
| Nissan Rogue Sport | Compact | $1,724 | $144 |
| Mazda CX-5 | Compact | $1,738 | $145 |
| Buick Encore | Compact | $1,762 | $147 |
| Buick Envision | Compact | $1,770 | $148 |
| Kia Seltos | Compact | $1,792 | $149 |
| Subaru Ascent | Midsize | $1,798 | $150 |
| Hyundai Venue | Compact | $1,806 | $151 |
| Honda HR-V | Compact | $1,838 | $153 |
| Hyundai Kona | Compact | $1,856 | $155 |
| Subaru Forester | Compact | $1,866 | $156 |
| Honda CR-V | Compact | $1,874 | $156 |
| Ford Edge | Midsize | $1,876 | $156 |
| Mazda CX-30 | Compact | $1,882 | $157 |
| Ford Explorer | Midsize | $1,884 | $157 |
| Volkswagen Atlas | Midsize | $1,892 | $158 |
| Chevrolet Trax | Compact | $1,900 | $158 |
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see your SUV in the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Long Beach car insurance quotes from top-rated companies in California.
Cheapest pickup trucks to insure in Long Beach
The most affordable pickup trucks to insure in Long Beach are the Ford Maverick at $1,838 per year, the Chevrolet Colorado at $1,842 per year, and the Nissan Frontier at $1,912 per year.
Not the cheapest pickups to insure, but still affordable, are models like the Ford F150, Nissan Titan, Hyundai Santa Cruz, and Toyota Tacoma, with an average cost of $2,252 per year or less.
Car insurance in Long Beach for this segment for a good driver will start around $153 per month, depending on your location. The rate comparison table below ranks the pickups with the cheapest auto insurance rates in Long Beach, starting with the Ford Maverick at $1,838 per year and ending with the Nissan Titan XD at $2,472 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,838 | $153 |
| Chevrolet Colorado | Midsize | $1,842 | $154 |
| Nissan Frontier | Midsize | $1,912 | $159 |
| Ford Ranger | Midsize | $1,964 | $164 |
| GMC Canyon | Midsize | $2,012 | $168 |
| Toyota Tacoma | Midsize | $2,020 | $168 |
| Hyundai Santa Cruz | Midsize | $2,058 | $172 |
| Nissan Titan | Full-size | $2,190 | $183 |
| Honda Ridgeline | Midsize | $2,198 | $183 |
| Ford F150 | Full-size | $2,252 | $188 |
| GMC Sierra 2500 HD | Heavy Duty | $2,266 | $189 |
| Jeep Gladiator | Midsize | $2,300 | $192 |
| Toyota Tundra | Full-size | $2,326 | $194 |
| GMC Sierra 3500 | Heavy Duty | $2,338 | $195 |
| GMC Sierra | Full-size | $2,418 | $202 |
| Ram Truck | Full-size | $2,420 | $202 |
| Chevrolet Silverado | Full-size | $2,426 | $202 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,428 | $202 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,432 | $203 |
| Nissan Titan XD | Heavy Duty | $2,472 | $206 |
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see your truck in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Long Beach car insurance quotes from top car insurance companies in California.
Luxury cars with the best auto insurance rates
Taking the top spot in Long Beach for cheapest insurance in the luxury sedan segment is the Acura Integra, with an average cost of $1,986 per year. Second place is the BMW 330i at $2,246 per year, the third most affordable is the Acura TLX, at an average of $2,282 per year, and the fourth most affordable is the Cadillac CT4, at an average of $2,310 per year.
Other models that rank well in our comparison are the Cadillac CT5, BMW 330e, BMW 228i, and Lexus ES 350, with average cost of $2,408 per year or less.
In the bottom half of the top 20, models like the BMW 230i, Audi S3, Mercedes-Benz AMG CLA45, Audi A4, Volvo S60, and Lexus RC 350 cost between $2,408 and $2,474 per year for insurance.
Full-coverage insurance in Long Beach for this segment for a middle-age safe driver starts at an average of $166 per month, depending on the company. The table below ranks the luxury cars with the cheapest average car insurance rates in Long Beach, starting with the Acura Integra at $1,986 per year and ending with the Volvo S60 at $2,474 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,986 | $166 |
| BMW 330i | Compact | $2,246 | $187 |
| Acura TLX | Compact | $2,282 | $190 |
| Cadillac CT4 | Compact | $2,310 | $193 |
| Genesis G70 | Compact | $2,356 | $196 |
| Cadillac CT5 | Midsize | $2,382 | $199 |
| Lexus ES 350 | Midsize | $2,386 | $199 |
| BMW 330e | Compact | $2,396 | $200 |
| Lexus ES 250 | Midsize | $2,402 | $200 |
| BMW 228i | Compact | $2,408 | $201 |
| Lexus RC 300 | Midsize | $2,408 | $201 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,412 | $201 |
| Audi A3 | Midsize | $2,422 | $202 |
| BMW 230i | Compact | $2,426 | $202 |
| Mercedes-Benz C300 | Compact | $2,440 | $203 |
| Audi A4 | Compact | $2,450 | $204 |
| Lexus RC 350 | Compact | $2,458 | $205 |
| Audi S3 | Compact | $2,468 | $206 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,468 | $206 |
| Volvo S60 | Compact | $2,474 | $206 |
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Don’t see insurance cost for your luxury car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in California.
Luxury SUVs with cheap car insurance rates
Ranking at the top of the list for the cheapest Long Beach car insurance rates in the luxury SUV segment are the Acura RDX, Lexus RX 350, Infiniti QX50, Cadillac XT4, and Volvo XC40. Auto insurance quotes for these 2023 models average $2,050 or less per year, or around $171 per month.
Other models that rank well in our comparison are the Lexus UX 250h, Mercedes-Benz GLA250, Cadillac XT6, and Cadillac XT5, with average annual insurance rates of $2,154 per year or less.
Ranked in the bottom half of the top 20 cheapest luxury SUVs to insure, models like the Acura MDX, Mercedes-Benz GLC300, Lexus NX 350h, Lincoln Corsair, and Lexus NX 350 average between $2,154 and $2,254 to insure per year.
Auto insurance for this segment in Long Beach for a good driver starts at an average of $154 per month, depending on your location.
When rates are compared by vehicle size, the most affordable compact luxury SUV to insure in Long Beach is the Acura RDX at $1,848 per year. For midsize luxury SUVs, the Lexus RX 350 is cheapest to insure at $1,982 per year. And for large luxury SUVs, the Volvo XC90 has the most affordable rates at $2,282 per year.
The next table ranks the SUVs with the lowest-cost car insurance in Long Beach, starting with the Acura RDX at $154 per month and ending with the Mercedes-Benz GLC300 at $188 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,848 | $154 |
| Lexus RX 350 | Midsize | $1,982 | $165 |
| Cadillac XT4 | Compact | $1,994 | $166 |
| Volvo XC40 | Compact | $2,036 | $170 |
| Infiniti QX50 | Midsize | $2,050 | $171 |
| Lexus UX 250h | Compact | $2,070 | $173 |
| Cadillac XT5 | Midsize | $2,102 | $175 |
| Mercedes-Benz GLA250 | Compact | $2,146 | $179 |
| Mercedes-Benz GLB 250 | Compact | $2,154 | $180 |
| Cadillac XT6 | Midsize | $2,156 | $180 |
| Lexus NX 250 | Compact | $2,180 | $182 |
| Acura MDX | Midsize | $2,204 | $184 |
| Lexus NX 350h | Compact | $2,206 | $184 |
| Lexus NX 350 | Compact | $2,220 | $185 |
| Lincoln Corsair | Compact | $2,224 | $185 |
| Lexus NX 450h | Compact | $2,232 | $186 |
| Lincoln Nautilus | Midsize | $2,242 | $187 |
| BMW X1 | Compact | $2,246 | $187 |
| Alfa Romeo Tonale | Compact | $2,250 | $188 |
| Mercedes-Benz GLC300 | Compact | $2,254 | $188 |
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in California.
Most affordable sports car insurance in Long Beach
Sitting at number one in Long Beach for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, costing $2,044 per year. Second place is the Audi TT costing $2,292 per year, and the third cheapest is the Ford Mustang, at an average of $2,398 per year.
Some other sports cars that have cheaper rates are the Toyota GR86, Nissan Z, Subaru BRZ, and Toyota GR Supra, with an average car insurance cost of $2,670 per year or less.
Additional 2023 models that make the list include the BMW M4, Porsche Taycan, Lexus LC 500, Chevrolet Corvette, and Jaguar F-Type, which average between $2,670 and $3,328 to insure per year.
From a cost per month standpoint, auto insurance rates on this segment in Long Beach can cost as low as $170 per month, depending on where you live. The rate comparison table below ranks the sports cars with the most affordable average car insurance rates in Long Beach, starting with the Mazda MX-5 Miata at $170 per month and ending with the Lexus LC 500 at $277 per month.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,044 | $170 |
| Audi TT | Sports Car | $2,292 | $191 |
| Ford Mustang | Sports Car | $2,398 | $200 |
| BMW Z4 | Sports Car | $2,418 | $202 |
| Subaru WRX | Sports Car | $2,446 | $204 |
| Nissan Z | Sports Car | $2,482 | $207 |
| Toyota GR Supra | Sports Car | $2,522 | $210 |
| Toyota GR86 | Sports Car | $2,552 | $213 |
| BMW M2 | Sports Car | $2,566 | $214 |
| Subaru BRZ | Sports Car | $2,670 | $223 |
| Chevrolet Corvette | Sports Car | $2,730 | $228 |
| BMW M3 | Sports Car | $2,792 | $233 |
| Lexus RC F | Sports Car | $2,846 | $237 |
| Porsche 718 | Sports Car | $2,850 | $238 |
| Chevrolet Camaro | Sports Car | $2,896 | $241 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,070 | $256 |
| Jaguar F-Type | Sports Car | $3,176 | $265 |
| Porsche Taycan | Sports Car | $3,246 | $271 |
| BMW M4 | Sports Car | $3,288 | $274 |
| Lexus LC 500 | Sports Car | $3,328 | $277 |
Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in California.
Helpful tips to save on car insurance
Financially savvy drivers in Long Beach are always searching for ways to pay less for auto insurance, so take a minute and read through the money-saving ideas in this next list and it’s very possible you can save some money the next time you need to insure a vehicle.
- Be a careful driver and save. At-fault accidents raise insurance rates, possibly up to $3,098 per year for a 20-year-old driver and even $710 per year for a 50-year-old driver. So be a careful driver and save!
- Choose a vehicle that is cheaper to insure. The vehicle you drive has a big impact on the cost of auto insurance. As an example, a Kia Telluride costs $1,428 less per year to insure in Long Beach than a Porsche 911. Insure cheaper models and save money.
- Improve your credit for cheaper auto insurance rates. Having a credit score above 800 may save up to $348 per year over a credit rating of 670-739. Conversely, a below average credit rating could cost around $403 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Shop around anytime. Setting aside a few minutes to get free car insurance quotes could save you a significant amount. Rates change frequently and switching companies is very easy to do.
- Pay small claims out-of-pocket. Auto insurance companies give a discounted rate if you do not file any claims. Insurance should only be used in the case of significant claims, not for small claims.
