For high mileage drivers, one of the big criteria that are looked at to determine the cost of insurance is where you choose to live. Cities with more crime and/or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The illustration below lists the most expensive areas in California for high mileage drivers to purchase auto insurance in. Long Beach is ranked at #8 costing $1,578 on average, which is about $132 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Fontana | $1,581 |
| 8 | Long Beach | $1,578 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,502 |
| 13 | Moreno Valley | $1,491 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,439 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,394 |
| 21 | Fremont | $1,389 |
| 22 | Irvine | $1,371 |
| 23 | Oxnard | $1,358 |
| 24 | Chula Vista | $1,337 |
| 25 | San Diego | $1,327 |
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Premium costs are approximated as the specific garaging location can modify prices considerably.
Comparing quotes for budget insurance is easier said than done, and finding out which companies offer the lowest-priced auto insurance rates for high mileage drivers takes more quotes for comparison. Every insurance provider has a unique approach to establish rates, so let’s begin by examining the auto insurance companies with the overall best prices in Long Beach.
Best Car Insurance Prices in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,543 |
| 9 | Mercury | $1,548 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA quotes some of the most affordable car insurance rates in Long Beach at around $1,109 a year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheaper Long Beach, CA car insurance companies.
In this example, if you currently have coverage with Wawanesa and switched to USAA, you may see a yearly price reduction of about $83. Customers with CSAA may save as much as $89 a year, and Nationwide insureds might realize rate reductions of up to $104 a year.
Remember that these rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific location for high mileage drivers. So the insurer that can offer you the lowest price may not even be in the top 24 companies in the list above. That illustrates why you need to get quotes using your own individual information.
The type of vehicle requiring insurance is one of the primary factors when looking for low-cost car insurance for high mileage drivers. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The list below presents insurance prices for a handful of the most budget-friendly automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,081 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,171 |
| Toyota Prius | $1,194 |
| Toyota Tacoma 4WD | $1,213 |
| Ford Edge Limited 2WD | $1,256 |
| Ford Escape XLT 4WD | $1,265 |
| Toyota RAV4 Limited 4WD | $1,279 |
| Ford Explorer Eddie Bauer AWD | $1,303 |
| Honda CR-V LX 4WD | $1,324 |
| Hyundai Elantra SE Touring Station Wagon | $1,343 |
| Toyota Camry XLE | $1,348 |
| Honda Civic Hybrid 4-Dr Sedan | $1,371 |
| Nissan Rogue SL 2WD | $1,376 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in vehicle location which can lower or raise prices substantially.
Looking at the data, you can figure that cars like the Honda Accord, Volkswagen Jetta, Toyota Prius, and Toyota Tacoma will be the most affordable vehicles to insure for high mileage drivers.
The information below demonstrates how choosing different deductibles can change insurance prices when searching for cheap insurance for high mileage drivers. The prices are based on a married male driver, full coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could cut expenses by $476 a year by changing from a $100 deductible up to a $500 deductible, or save $718 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, could save as much as $1,434 or more by selecting a higher deductible. If you do raise deductibles, it is essential to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Poor driving habits will raise your auto insurance rates
In a perfect world, the ideal way to score cheap auto insurance rates in California for high mileage drivers is to drive carefully and avoid at-fault accidents and violations. The example below highlights how speeding tickets and at-fault accidents influence car insurance costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of auto insurance per year with no violations or accidents is $1,785. Factor in one speeding ticket and the average cost jumps to $2,078, an increase of $293 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for high mileage drivers goes up to an average of $2,897. That’s an increase of $1,113, or $93 per month, just for not being more responsible behind the wheel!
Full coverage rates compared to liability only
Saving money on auto insurance is the goal of the majority of drivers, and one common way to find cheap insurance for high mileage drivers is to not pay for full coverage. The illustration below compares annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or driving violations, $500 deductibles, single status, and no other discounts are factored in.
As an average, comprehensive and collision coverage on your policy costs $2,075 per year more than insuring for liability only. That may make you wonder if physical damage coverage is worth the money. There is no set guideline to stop buying full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
There are a few cases where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
How to find the cheapest auto insurance for high mileage drivers
The list below summarizes some penny-pinching suggestions that can help you quote lower-cost auto insurance.
- Buy vehicles with good safety ratings
- Good credit scores may lower your rates
- Maintain a clean driving record
- Do not get into accidents that are your fault
- Raise deductibles
- Shop around for cheaper prices often
The last tip in the list is certainly necessary, as was pointed out in this article. Prices charged by car insurance companies can change considerably based on profitability, so you should be ready to change to a new company if a more affordable rate is found.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that faithfulness ends up costing you thousands of dollars over several years. Spend a few minutes and compare rates and find cheaper insurance for high mileage drivers in Long Beach.