Establishing which companies have the best insurance rates with multiple speeding tickets will involve a little more work in order to find the lowest price quote.
Every car insurance company has their own guidelines for setting prices, so let’s take a look at the insurance companies with the overall best prices in Long Beach. It’s a good idea to be aware that Long Beach, CA insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. Improving your credit score, becoming a homeowner, or having an accident can produce rate changes resulting in some companies being cheaper in comparison to the competition.
Find Cheaper Auto Insurance with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,512 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Compare Rates Now Go | ||
USAA generally has some of the most affordable car insurance rates in Long Beach at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the more affordable Long Beach, CA car insurance companies.
In the above example, if you are a policyholder with Nationwide and switched to Wawanesa, you could realize annual savings of approximately $104. Insureds with 21st Century might save as much as $179 a year, and Grange customers might cut rates by $301 a year.
Be aware that those estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact location with multiple speeding tickets. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That’s why you need to compare prices as often as possible using your own specific driver information and vehicle.
The car, truck, or SUV you are insuring is probably the largest consideration that determines the availability of the cheapest car insurance with multiple speeding tickets. Vehicles with high performance engines, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The next list estimates insurance prices for some of the cheapest vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,905 |
| Honda CR-V EX-L 2WD | $1,915 |
| Ford Focus S 4-Dr Sedan | $2,025 |
| Honda Accord EX-L 4-Dr Sedan | $2,030 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,040 |
| Chevrolet Equinox LT 2WD | $2,065 |
| Hyundai Elantra SE Touring Station Wagon | $2,075 |
| Toyota Prius | $2,072 |
| Ford Explorer XLT 2WD | $2,080 |
| Ford F-150 STX Regular Cab 4WD | $2,137 |
| Ford Edge SEL AWD | $2,162 |
| Chevrolet Impala LS | $2,202 |
| Toyota Camry LE | $2,205 |
| Chevrolet Malibu LS | $2,210 |
| Toyota RAV4 Limited 2WD | $2,205 |
| Compare Cheap Rates Go | |
Prices based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific location which can raise or lower rates considerably.
Looking at the numbers, we can presume that makes and models like the Ford Escape, Honda CR-V, Ford Focus, Honda Accord, and Volkswagen Jetta are likely to be some of the most economical vehicles to insure after a few driving violations.
Ending up with a good quality insurance company is difficult considering how many different companies sell coverage in Long Beach. The company information in the next section may help you analyze which insurers to look at when shopping around.
These ratings include companies that insure vehicles nationwide, so companies that have a smaller presence are not taken into consideration for this list. If you would like to check rates from the most competitive companies in California, click here.
Top 10 Large Car Insurance Companies in Long Beach Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How accidents and tickets impact rates in Long Beach
A great way to score low insurance premiums after a few driving violations is to be a safe driver and avoid accidents and traffic citations. The example below illustrates how violations and fender-benders drive up insurance costs for different age groups. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of a car insurance policy per year with no accidents or violations is $1,912. Receive one speeding ticket and the average cost jumps to $2,234, an increase of $322 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance with multiple speeding tickets jumps again to an average of $3,130. That’s an increase of $1,218, or $102 per month, just for not being attentive to the road!
The chart below demonstrates how deductibles can change insurance costs when trying to find cheap insurance with multiple speeding tickets. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower rates by $300 a year by increasing from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates $750 or even more by choosing a larger deductible amount. When choosing a higher deductible, it will be necessary to have enough savings set aside to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Are you paying too much for car insurance in Long Beach?
Long Beach insurance rates are based on many factors that may substantially change the policy premium. Improving your credit score, buying a new vehicle, or getting a driving violation may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition. Not only may your situation change, but car insurance companies file new California auto insurance rates as often as every three months in order to offset underwriting gains or losses. A period of increased losses can result in additional premium costs, while a better loss history can cause lower-priced Long Beach car insurance rates.
The bar chart below analyzes the cheapest car insurance in Long Beach, CA for a 30-year-old male driver with no accidents, a clean driving record, and excellent credit. When quoting prices based on his current rating profile, USAA may offer the best car insurance rates in Long Beach at $1,383 annually. This is $268 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the best Long Beach, CA auto insurance companies.
Now we will pretend the driver in the first example a couple of claims, a little lower credit rating, and a traffic ticket or two. Due to the fact that every auto insurer has their own guidelines to set policy rates, comparing insurance quotes could now result in a slightly different list of the cheapest companies as shown below.
Grange now has the best car insurance rate in Long Beach, CA with Allstate, Allied, Mercury, and Progressive also having competitive pricing. This example proves why it is crucial to perform a complete rate comparison when trying to get the most affordable auto insurance rates with multiple speeding tickets.
Insurance rates are influenced by many things and change dramatically, so the cheapest option the last time you compared rates may now be one of the more expensive options.