You have surely seen all the captivating commercials from insurers like Liberty Mutual, Farmers, and GEICO that make claims of the cheapest rates. So you should just pick one randomly, right?
Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like if you want full coverage included, the number of miles you drive each year, and any tickets or violations, that all influence how much you pay for auto insurance. This article goes into detail about the things that cause high insurance rates and educate you enough to have a good beginning to your search for cheaper coverage.
Comparing rates for low-cost insurance is difficult, and figuring out which company offers the lowest-priced auto insurance rates for drivers requiring a SR22 will involve even more perseverance.
Every insurance company has a unique approach for determining rates in each state, so let’s begin by taking a look at the overall cheapest auto insurance companies in California.
Find the Best Cheap Insurance for SR22 Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,533 |
| 10 | Allied | $1,541 |
| 11 | Allstate | $1,543 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the best car insurance rates in Long Beach at around $1,109 each year. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the lowest-priced Long Beach, CA insurance companies.
As shown in the rates above, if you currently have coverage with CSAA and switched to Wawanesa, you could earn a yearly price reduction of around $77. Policyholders with 21st Century may save as much as $181 a year, and Grange policyholders might realize rate reductions of up to $320 a year.
If you would like to find cheaper car insurance rates, click here to start a quote or quote rates from the companies below.
These rates are averaged for all drivers and vehicles in California and do not take into consideration an exact location for drivers requiring a SR22. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That emphasizes why you need to get rate quotes using your own personalized driver profile and vehicle information.
The make and model of vehicle you are seeking coverage for is a significant factor that determines the availability of cheap car insurance for drivers requiring a SR22. Vehicles with limited top-end speed, a great safety record, or low incidents of liability claims will cost significantly less to insure than high performance models. The data below estimates auto insurance premiums for the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $4,355 |
| Ford Escape XLS 2WD | $4,404 |
| Toyota Prius | $4,556 |
| Ford F-150 XL Super Cab 2WD | $4,735 |
| Ford Explorer XLT AWD | $4,782 |
| Chevrolet Silverado LS Regular Cab 4WD | $4,873 |
| Ford Edge SEL AWD | $4,964 |
| Honda Odyssey EX W/Rear Entertainment | $4,969 |
| Toyota Tacoma 4WD | $4,984 |
| Toyota Camry LE | $5,011 |
| Chevrolet Equinox LT 2WD | $5,019 |
| Toyota RAV4 2WD | $5,011 |
| Dodge Grand Caravan Hero | $5,163 |
| Chevrolet Malibu Hybrid | $5,209 |
| Jeep Grand Cherokee Laredo 4WD | $5,219 |
| Volkswagen Jetta S 4-Dr Sedan | $5,209 |
| Chevrolet Impala LTZ | $5,239 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $5,335 |
| Ford Focus SES 4-Dr Sedan | $5,352 |
| Toyota Corolla S | $5,404 |
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Data rating is based on single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location which can raise or lower rates significantly.
Based upon these rates, we can expect vehicles like the Honda CR-V, Ford Escape, and Toyota Prius are likely to be the cheaper vehicles to insure for high risk drivers. Car insurance rates will tend to be higher just due to the fact that there is more claim risk for drivers requiring a SR22, but in general those vehicles will have the lowest insurance prices compared to other types of vehicles.
Get discounts on Long Beach insurance rates
Insurance providers that sell policies for drivers requiring a SR22 may provide discounts that may potentially lower prices by 35% or more if you meet the requirements. A list of companies and some of the premium reductions they offer are included below.
- Progressive offers discounts including multi-policy, good student, homeowner, continuous coverage, and online quote discount.
- SAFECO includes discounts for drive less, anti-theft, teen safe driver, teen safety rewards, safe driver, accident prevention training, and homeowner.
- American Family has discounts for bundled insurance, air bags, accident-free, Steer into Savings, multi-vehicle, and good student.
- MetLife discounts include defensive driver, multi-policy, claim-free, good driver, good student, and accident-free.
- GEICO may include discounts for federal employee, five-year accident-free, emergency military deployment, defensive driver, and multi-policy.
- The Hartford offers premium reductions for bundle, driver training, good student, anti-theft, and defensive driver.
The information below compares insurance premiums with and without discounts applied to the premium. The premium estimates are based on a female driver, two accidents and two traffic tickets, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with continuous coverage, anti-theft, vehicle safety, marriage, multiple vehicle, and multiple policy discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for drivers requiring a SR22 is 29% or $2,377.
The illustration below illustrates how your deductible choice can impact insurance prices when searching for cheap insurance for drivers requiring a SR22. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could reduce rates by $350 a year by changing from a $100 deductible to a $500 deductible, or save $530 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, can cut as much as $888 annually just by using higher deductibles.
When raising deductibles, it will now be necessary to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Picking the highest-rated insurance company can be challenging considering how many different companies insure vehicles in Long Beach. The company ratings listed below may help you pick which auto insurers to look at when shopping around. The ratings below are only made up of companies that insure vehicles nationwide, so companies that only write business in California or surrounding areas are not taken into consideration for the list.
Top 10 Large Auto Insurers 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 Auto Insurers in Long Beach Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford