You have most likely seen the commercials from car insurance companies like GEICO and The General that make claims of the cheapest rates, so you just need to choose the one with the flashiest ad, right?
It’s just not that simple, as there are a whole bunch of unknown factors such as what level of deductibles you wish to have, whether you are male or female, how far you drive each year, and where you live, that help determine the price you have to pay. The information below will cover the best ways to avoid overpriced car insurance and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in California.
Deciding which insurers offer the lowest-priced insurance rates for a school permit takes a tad more effort in order to find the most economical policy.
Each insurer uses a different method to establish rates, so we’ll go over the insurance companies that tend to be cheaper in Long Beach, CA. It’s a good idea to be aware that Long Beach, CA insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Simply having a birthday, moving across town, or having an accident may cause policy rate changes that can make some companies cheaper than others.
Find the Cheapest Car Insurance for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,541 |
| 12 | Mercury | $1,548 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
| View More Rates Go | ||
USAA has some of the best car insurance rates in Long Beach at around $1,143 a year. This is $508 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also are some of the best Long Beach, CA insurance companies.
In the rate table above, if you currently buy coverage from Nationwide and switched to Century National, you could see an annual premium reduction of approximately $73. Insureds with 21st Century may save as much as $189 a year, and Grange policyholders might see rate reductions of $301 a year.
To find cheaper insurance rates for your vehicle, click here to start your custom quote or quote prices from the following companies.
Understand that those premium estimates are averaged across all drivers and vehicles and do not take into consideration an exact vehicle garaging location for a school permit. So the car insurance company that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
For a learners permit, one of the largest things that are looked at to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in Long Beach. More populated areas tend to pay more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The next table shows the most expensive cities in California for a school permit to buy auto insurance in. Long Beach comes in at #7 having an annual price of $1,610 for the average insurance policy, which is approximately $134 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,610 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,581 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,532 |
| 12 | Garden Grove | $1,524 |
| 13 | Moreno Valley | $1,506 |
| 14 | Riverside | $1,497 |
| 15 | Anaheim | $1,488 |
| 16 | Santa Ana | $1,483 |
| 17 | Fresno | $1,472 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,381 |
| Find Cheaper Rates Go | ||
Annual rates are approximated as zip code location can alter coverage prices significantly.
The car, truck, or SUV on the policy is one of the biggest factors when quoting the best insurance for a school permit. Vehicles with economical engines, excellent safety ratings, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The list below outlines car insurance prices for a number of the more affordable automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $4,436 |
| Hyundai Elantra GLS Touring Station Wagon | $4,441 |
| Honda CR-V EX-L 4WD | $4,476 |
| Jeep Wrangler Sport 4WD 2-Dr | $4,680 |
| Toyota Prius | $4,788 |
| Volkswagen Jetta 2.0T Station Wagon | $5,057 |
| Ford Focus S 4-Dr Sedan | $5,222 |
| Dodge Grand Caravan Hero | $5,263 |
| Chevrolet Equinox LS 2WD | $5,272 |
| Toyota RAV4 Limited 4WD | $5,263 |
| Ford Explorer Eddie Bauer AWD | $5,304 |
| Ford F-150 Lariat Super Cab 4WD | $5,313 |
| Honda Civic LX 4-Dr Sedan | $5,491 |
| Toyota Tacoma X-Runner 2WD | $5,531 |
| Chevrolet Impala LTZ | $5,541 |
| Honda Odyssey EX-L | $5,531 |
| Ford Edge Sport AWD | $5,540 |
| Compare Cheap Rates Go | |
Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific garaging location which can revise insurance rates greatly.
Based upon the table data, you can infer that vehicles like the Ford Escape, Hyundai Elantra, and Honda CR-V will definitely be some of the most budget-friendly vehicles to insure for a learners permit. Prices will trend higher because of the fact that there is more exposure for a school permit, but overall those vehicles will have the least expensive rates that you’ll find.
Buying coverage from the top insurance company is difficult considering how many choices drivers have in California. The company rank data below may help you pick which car insurance companies you want to consider when insurance shopping for a school permit.
The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not factored into this list. To get price quotes from these and other competitive companies, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discount Long Beach car insurance rates
Insurance providers that offer quotes for a school permit may also offer discounts that could potentially reduce rates by 35% or more if you meet specific criteria. A few of the larger companies and a partial list of their discounts can be read below.
- GEICO offers discounts for five-year accident-free, anti-lock brakes, emergency military deployment, federal employee, defensive driver, and membership and employees.
- Auto-Owners Insurance offers discounts including multiple vehicles, student away at school, teen driver, paperless, safe driver, company car, and mature driver.
- American Family includes discounts for early bird, air bags, defensive driver, good driver, and mySafetyValet.
- Esurance has discounts for Switch & Save, good student, multi-policy, claim free, DriveSense, and multi-car.
- Progressive may have discounts that include continuous coverage, online quote discount, multi-policy, homeowner, multi-vehicle, and online signing.
- State Farm has savings for defensive driving training, anti-theft, accident-free, safe vehicle, good driver, multiple autos, and multiple policy.
- AAA offers premium reductions for AAA membership discount, anti-theft, multi-policy, good driver, pay-in-full, good student, and education and occupation.
The example below visualizes the comparison of annual premium costs with and without discounts applied to the policy premium. The data assumes a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with continuous coverage, vehicle safety, anti-theft, passive restraint, paperless filing, and paid-in-full discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for a school permit is 28% or $1,018.
Don’t stick with an overpriced policy
Long Beach insurance rates are influenced by many factors that control the policy premium. Simply improving your credit, buying a new vehicle, or having a fender bender can trigger rate changes resulting in some rates now being cheaper than competitors.
Not only may your situation change, but auto insurance companies amend premium rates every year or even multiple times each year to adjust for unexpected claims or profits. Significantly higher claims can cause price increases, while a better loss history can cause lower-cost Long Beach car insurance rates.
To illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with no violations or accidents, and great credit. Based on his current risk profile, USAA may offer the lowest car insurance rates in Long Beach at $1,330 annually. This is $321 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remainder of the cheapest Long Beach, CA auto insurance companies.
Let’s now give the driver from the first rate comparison a chargeable accident, less-than-perfect credit, and a few blemishes on his driving record. Since each auto insurer has their own process to set policy rates, analyzing rates may now show a different ranking of the cheapest companies as shown below.
Grange now has the cheapest car insurance in Long Beach, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This example shows why it is crucial to take the time to shop around to get the most affordable auto insurance rates for a school permit.
Rates are impacted by many different factors and change frequently, so the most affordable company the last time you shopped your coverage around may now be quite expensive.
Tips for buying budget-friendly insurance for a school permit
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help you locate cheap coverage.
- Buying car and homeowners insurance together can save money
- Do not pay for full coverage on older vehicles
- Do not get into accidents that are your fault
- Avoid getting citations and tickets
- Buy a safer vehicle
- Do not file small claims
- Shop around for cheaper rates regularly
That last tip is notably necessary, as we hit on in the prior information. Coverage prices can be modified anytime, so don’t be tentative to switch companies if a better rate can be found.
Brand loyalty is not necessarily bad, but it’s not a great idea if that dedication is costing major coinage every year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for a school permit in Long Beach.