The make and model of vehicle driven is probably the biggest factor when consumers are trying to find cheap insurance for low income drivers. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models.
The list below showcases auto insurance rates for a selection of the cheapest automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Toyota Tacoma 2WD | $1,243 |
| Chevrolet Impala LS | $1,249 |
| Ford Escape Limited 2WD | $1,254 |
| Honda CR-V EX-L 4WD | $1,262 |
| Jeep Grand Cherokee Laredo 2WD | $1,268 |
| Dodge Grand Caravan Crew | $1,292 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,332 |
| Ford Edge Limited AWD | $1,334 |
| Toyota Camry SE | $1,339 |
| GMC Sierra SLT Extended Cab 2WD | $1,358 |
| Chevrolet Equinox LTZ AWD | $1,367 |
| Nissan Rogue SL 2WD | $1,362 |
| Ford F-250 XL 2WD | $1,367 |
| Ford F-150 Lariat King Ranch 4WD | $1,381 |
| Honda Civic GX 4-Dr Sedan | $1,400 |
| Kia Optima EX | $1,452 |
| Toyota RAV4 4WD | $1,459 |
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in garaging location in Long Beach, CA which can raise or lower premium rates substantially.
By looking at the data, cars like the Toyota Tacoma, Chevrolet Impala, Ford Escape, Honda CR-V, and Jeep Grand Cherokee are some of the most economical vehicles to insure for poor drivers.
Deciphering which company offers the best car insurance rates for low income drivers involves a little more effort than just getting one or two price quotes. Each auto insurance company has a unique approach for setting prices, so let’s look at the rankings for the car insurance companies with the overall cheapest rates in California.
Lowest Insurance Price Quotes in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | Allied | $1,541 |
| 11 | GEICO | $1,559 |
| 12 | Allstate | $1,559 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
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USAA quotes some of the most affordable car insurance rates in Long Beach at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the more affordable Long Beach, CA car insurance companies.
In this example, if you currently have a policy with Century National and switched to Wawanesa, you could realize an annual premium reduction of in the vicinity of $80. Insureds with Nationwide may save as much as $117 a year, and 21st Century insureds might lower prices by up to $233 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or click several companies below for low rates.
It’s important to note that these estimates are averaged across all insureds and vehicles and do not factor in a specific location for low income drivers. So the company that has the cheapest rates for you may not even be in the list above. That is why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
For poor drivers, one of the largest considerations that help determine insurance cost is where your residence is in Long Beach. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The table below lists the most costly cities in California for low income drivers to purchase a policy in. Long Beach shows up at #7 having an annual price of $1,578 for the average policy, which is around $132 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,596 |
| 7 | Long Beach | $1,578 |
| 8 | Garden Grove | $1,570 |
| 9 | Moreno Valley | $1,551 |
| 10 | Stockton | $1,541 |
| 11 | Santa Clarita | $1,533 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Fontana | $1,519 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | Huntington Beach | $1,402 |
| 20 | Bakersfield | $1,394 |
| 21 | Irvine | $1,384 |
| 22 | San Jose | $1,381 |
| 23 | Oxnard | $1,358 |
| 24 | Chula Vista | $1,350 |
| 25 | San Diego | $1,327 |
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Premium costs are comparative as the specific area where the vehicle is garaged can increase or decrease insurance rates noticeably.
Irresponsible driving raises your rates
In a perfect world, the ideal way to enjoy good car insurance rates for poor drivers is to drive safe and avoid accidents and violations. The chart below highlights how traffic violations and at-fault accidents can influence car insurance rates for each age group. The information is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
In the example above, the average cost of auto insurance per year with no violations or accidents is $2,075. Get two speeding tickets and the average cost hikes up to $2,743, an increase of $668 each year. Now add one accident along with the two speeding tickets and the 12-month cost of car insurance for low income drivers goes up to an average of $3,413. That’s an increase of $1,338, or $111 per month, just for not being attentive to the road!
Liability-only versus full coverage
Paying less for car insurance is probably important to the majority of people, and one great way to find cheap insurance for low income drivers is to buy liability only. The diagram below shows the comparison of insurance rates with full coverage compared to only the California minimum liability coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.
If we average all the age groups together, full coverage on your policy costs $3,093 per year more than just insuring for liability. Many drivers may wonder if it’s worth it to buy full coverage. There is no specific rule for dropping comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
Which car insurance company is best in Long Beach?
Finding a good quality car insurance provider can be rather challenging considering how many choices you have in California. The company rank data in the lists below may help you analyze which car insurance providers you want to consider when shopping your coverage around.
These ratings are only comprised of the largest companies in America, so smaller regional companies are not factored into this list. To view rates from the most competitive companies in California, simply click here.
Top 10 Large Car Insurance Companies in Long Beach Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Car Insurance Companies in Long Beach Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Your low-price policy may be costing you money
California car insurance rates are determined by lots of factors which can substantially decrease or increase the price of your policy. Simply having a birthday, having a teen driver, or having a fender bender can trigger rate changes that can make some companies cheaper in comparison to the competition. In addition, insurers modify rates without warning to adjust for gains or losses. Higher than usual claims may cause a rate increase, while long-term profits can produce more affordable Long Beach car insurance rates.
To illustrate this example, the graph below analyzes the cheapest car insurance in Long Beach, CA for a 30-year-old female driver with no accidents, a clean driving record, and good credit. If we estimate prices based on her current risk factors, USAA has the most affordable car insurance rates in Long Beach at $1,303 each year. This is $348 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the best Long Beach, CA auto insurance companies.
The next chart shows rates after we give the driver from above a claim or two, a little lower credit rating, and a speeding citation. Because every insurance company has their own guidelines for establishing rates, analyzing rates could now result in a different list of the cheapest car insurance companies in Long Beach as shown below.
Grange now has the cheapest price in Long Beach with Progressive, Allstate, Mercury, and GEICO also being competitive. This shows why it is critical to compare rates when trying to find the most affordable auto insurance rates for low income drivers.
Rates are impacted by many factors and can decrease or increase without notice, so the cheapest option the last time you compared rates may now not even be in the top five.