One of the many factors that help determine insurance cost is where you choose to live in Long Beach. Areas with more people or higher crime rates likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The illustration below shows the highest-priced places in California for teenagers to buy an auto insurance policy in. Long Beach is listed at #9 with an annual premium of $1,578 for the average policy, which is around $132 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,628 |
| 7 | Fontana | $1,581 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,578 |
| 10 | Stockton | $1,541 |
| 11 | Modesto | $1,532 |
| 12 | Garden Grove | $1,508 |
| 13 | Santa Ana | $1,497 |
| 14 | Riverside | $1,497 |
| 15 | Moreno Valley | $1,491 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,395 |
| 19 | San Diego | $1,381 |
| 20 | Huntington Beach | $1,360 |
| Find Cheaper Rates Go | ||
Price information shown is approximated as the specific geographic location can increase or decrease insurance rates considerably.
The type of vehicle driven is one of the largest factors when shopping for economical insurance for teenagers. Vehicles with high performance engines, a lack of modern safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The next list outlines auto insurance premiums for a number of the cheapest automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $4,789 |
| Honda CR-V EX 4WD | $4,841 |
| Hyundai Elantra SE Touring Station Wagon | $5,153 |
| Toyota Prius | $5,202 |
| Toyota Tacoma 4WD | $5,372 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $5,378 |
| Ford Explorer Eddie Bauer 2WD | $5,372 |
| Ford Edge Limited 2WD | $5,632 |
| Chevrolet Impala LS | $5,637 |
| Chevrolet Silverado LS Extended Cab 4WD | $5,684 |
| Chevrolet Malibu LS | $5,693 |
| Toyota RAV4 Limited 2WD | $5,684 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $5,733 |
| Dodge Grand Caravan SXT | $5,738 |
| Ford F-150 Lariat Super Cab 4WD | $5,733 |
| Ford Focus SES 4-Dr Sedan | $5,946 |
| Honda Civic EX 4-Dr Sedan | $5,955 |
| Toyota Camry XLE | $5,998 |
| Honda Odyssey EX-L W/Navigation | $6,004 |
| Toyota Corolla S | $5,998 |
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Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in zip code location which can impact prices substantially.
Looking at the data, you can see that makes and models like the Ford Escape, Honda CR-V, Hyundai Elantra, Toyota Prius, and Toyota Tacoma are likely to be the most affordable vehicles to insure for teen drivers. The price for car insurance will tend to be more expensive anyway because of the fact that there is more claim exposure for teenagers, but in general those vehicles will have the cheapest car insurance rates compared to other types of vehicles.
Finding decent, low-priced insurance is easier said than done, and deciding which companies have the cheapest auto insurance rates for teenagers will take a little more work.
Every car insurance company has a proprietary formula to establish rates, so let’s begin by taking a look at the most affordable auto insurance companies in Long Beach.
Find Cheaper Car Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,503 |
| 9 | GEICO | $1,529 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,558 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
| Compare Rates Now Go | ||
USAA generally has some of the most affordable car insurance rates in Long Beach at around $1,121 per year. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the more affordable Long Beach, CA car insurance companies.
In this example, if you buy coverage from CSAA and switched to USAA, you may realize an annual savings of approximately $101. Insureds with Nationwide could save as much as $142 a year, and 21st Century customers might cut rates by $217 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or visit several of the following companies.
These policy prices are averages across all types of insureds and vehicles and do not factor in an exact location for teenagers. So the company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.
The information below demonstrates how deductible levels can affect yearly insurance costs when quoting cheap insurance for teenagers. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could reduce rates by $300 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave $750 annually by using higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it will be important to have enough savings to offset the extra out-of-pocket expense that is associated with using high deductibles.
Full coverage rates compared to liability-only
Finding cheaper auto insurance is probably important to most drivers, and one of the easiest ways to find cheap insurance for teenagers is to buy only liability coverage. The chart below illustrates the comparison of car insurance rates with full coverage and liability only. The data is based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, comp and collision coverage costs an extra $2,003 per year more than insuring for liability only. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There is no clear-cut rule to delete full coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your vehicle’s replacement value is $12,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $11,000 after you pay the deductible. If it’s costing you more than $1,100 a year for full coverage, then it could be time to drop full coverage.
The Long Beach car insurance agencies listed below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit, as many people would rather get some professional input when trying to find the best insurance rates for teenagers. It can be challenging to do it yourself, so agents can provide you satisfaction knowing your coverage gives you adequate protection. To find an auto insurance agency close to where you live, click the button after the list.
- Jeff Morgan – State Farm Insurance Agent
4087 Long Beach Blvd – Long Beach, CA 90807 – (562) 595-6969 - Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 - Farmers Insurance: Doug Horn
1635 E Anaheim St – Long Beach, CA 90813 – (562) 591-3100 - Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661
Find a Long Beach, CA insurance agent near you
How to find budget-friendly insurance for teenagers
The list below summarizes some of the recommended penny-pinching ideas that can help drivers buy cheap car insurance.
- Try to not file small claims
- At-fault accidents will increase rates
- Be a safe driver
- Drive vehicles with five-star safety ratings
- Bundle home and auto and earn a discount
- Shop around for cheaper rates regularly
The last idea is incredibly valuable, as we stressed in the article above. Insurance rates adjust frequently, so don’t be unwilling to switch to a new company if you can find a cheaper rate.
Staying with the same car insurance company is fine, but it’s not a good idea if that faithfulness ends up costing you a fortune every year. If you have a few minutes, compare rates and find cheaper insurance for teenagers in Long Beach.