The words “economical” and “insurance” really shouldn’t be used together, in particular when you are searching for the cheapest coverage for inexperienced drivers. In an attempt to save some money, let’s learn about some of the things that have an effect on auto insurance premiums, and find a way to reduce the cost of the next policy you buy.
For new drivers, one of the largest criteria that are used to help calculate auto insurance rates is where your car is garaged in Long Beach. Regions with larger populations or more claims will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The following table rates the highest-priced places in California for inexperienced drivers in which to purchase auto insurance. Long Beach comes in at #6 with an annual cost of $1,626 for the average insured, which is about $136 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Garden Grove | $1,570 |
| 11 | Riverside | $1,542 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,502 |
| 14 | Moreno Valley | $1,491 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Santa Ana | $1,439 |
| 18 | Huntington Beach | $1,402 |
| 19 | Bakersfield | $1,394 |
| 20 | Fremont | $1,389 |
| 21 | San Diego | $1,381 |
| 22 | San Jose | $1,381 |
| 23 | Irvine | $1,343 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Rate quotes are approximated as the garaging address in Long Beach can influence insurance rates significantly.
Finding good, reasonably-priced insurance is tough enough, and determining which companies have the most affordable auto insurance rates for inexperienced drivers will involve even more shopping around. Every auto insurer uses their own formula to determine rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Long Beach, CA.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | GEICO | $1,529 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
| Quote Your Rates Go | ||
USAA may have some of the lowest car insurance rates in Long Beach at around $1,155 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheapest Long Beach, CA auto insurance companies.
As depicted above, if you currently have a policy with Wawanesa and switched to USAA, you might see yearly savings of approximately $2. Insureds with Century National might save as much as $35 a year, and CSAA customers might cut rates by $67 a year.
Understand that those estimates are averages across all drivers and vehicles and do not factor in an exact zip code location for inexperienced drivers. So the insurer that can offer you the best rate may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own individual information.
The type of vehicle needing coverage is one of the primary factors when shopping for the most economical car insurance for inexperienced drivers. Vehicles with high performance features, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.
The data below estimates car insurance prices for a handful of the cheaper vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,189 |
| Ford Explorer XLT 2WD | $1,306 |
| Ford Escape XLS 4WD | $1,313 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,379 |
| Toyota RAV4 Sport 4WD | $1,385 |
| Hyundai Elantra SE Touring Station Wagon | $1,386 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,398 |
| Dodge Grand Caravan SXT | $1,405 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,411 |
| Ford Focus SES 4-Dr Sedan | $1,430 |
| Chevrolet Impala LTZ | $1,454 |
| Toyota Prius | $1,461 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,481 |
| GMC Sierra SL Crew Cab 4WD | $1,487 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,483 |
| Dodge Ram Crew Cab ST 4WD | $1,500 |
| Toyota Camry LE | $1,510 |
| Toyota Tacoma Double Cab 4WD | $1,519 |
| Chevrolet Malibu LT | $1,539 |
| Honda Accord EX-L 2-Dr Coupe | $1,576 |
| Toyota Camry Hybrid | $1,583 |
| Kia Optima LX | $1,612 |
| Nissan Rogue S AWD | $1,617 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in Long Beach, CA location which can revise coverage prices substantially.
Looking at the numbers, you can figure that models like the Honda CR-V, Ford Explorer, Ford Escape, Volkswagen Jetta, and Toyota RAV4 are the most affordable vehicles to insure for new drivers.
Discounts on Long Beach auto insurance
Insurance providers that provide policies for inexperienced drivers may also provide price discounts that could reduce prices by as much as 40% or more if you meet the requirements. Large auto insurance companies and some of the discounts can be read below.
- State Farm policyholders can earn discounts including safe vehicle, Drive Safe & Save, multiple policy, passive restraint, driver’s education, good student, and anti-theft.
- American Family offers discounts for early bird, mySafetyValet, TimeAway discount, multi-vehicle, and defensive driver.
- GEICO has discounts for military active duty, driver training, daytime running lights, multi-policy, anti-theft, and federal employee.
- 21st Century may include discounts for theft prevention, driver training, air bags, good student, teen driver, automatic seat belts, and defensive driver.
- Progressive discounts include homeowner, multi-vehicle, continuous coverage, online quote discount, online signing, good student, and multi-policy.
The chart below illustrates the comparison of premium costs with and without discounts applied to the premium. The data is based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, homeowner, accident-free, passive restraint, multiple vehicle, and anti-theft discounts applied. With discounts applied, the average amount saved each year on auto insurance for inexperienced drivers is 28% or $787.
Picking a good quality car insurance provider can be challenging considering how many choices there are in California. The ranking information displayed below may help you decide which coverage providers to look at purchasing from.
These ratings include companies that insure vehicles nationwide, so smaller regional companies are not factored into the list. If you wish to compare rates and find cheaper insurance for inexperienced drivers, follow 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 |
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Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay less for auto insurance
In a perfect world, the best way to snag cheap auto insurance premiums for new drivers is to drive cautiously and not get tickets or have accidents. The example below illustrates how traffic citations and fender-benders influence insurance prices for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the example above, the average cost of car insurance per year with no violations or accidents is $2,314. Get one speeding ticket and the average cost jumps to $2,608, an increase of $294 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for inexperienced drivers jumps again to an average of $5,143. That’s an increase of $2,829, or $236 per month, just for not being a responsible driver!
The Long Beach car insurance agencies listed below are a good start to help you make a decision which insurance coverage will be best for you, as many people would rather have the advice of a professional agent when comparing insurance rates for new drivers. It can be challenging to find the best policy yourself, so insurance agents can give you satisfaction knowing your policy gives you enough coverage if you have a claim. To locate an agency close to you, click the button after the list or click here to compare price quotes now.
- Peter Kong – State Farm Insurance Agent
2020 E Anaheim St – Long Beach, CA 90804 – (562) 438-8188 - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 - Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390 – Long Beach, CA 90815 – (562) 425-5109 - Farmers Insurance: Doug Horn
1635 E Anaheim St – Long Beach, CA 90813 – (562) 591-3100