For using your car for business, one of the largest things that are looked at to help calculate car insurance rates is where you normally keep your vehicle. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The table below rates the most expensive cities in California for business use to purchase a policy in. Long Beach ranks #6 costing $1,626 for the average insured, which is around $136 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Santa Clarita | $1,595 |
| 10 | Fontana | $1,566 |
| 11 | Garden Grove | $1,554 |
| 12 | Fresno | $1,502 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,453 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,402 |
| 20 | Bakersfield | $1,394 |
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Rates are estimated as vehicle location can modify price quotes greatly.
The vehicle model driven is one of the primary factors that determines if you can find economical coverage for business use. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models. The list below features car insurance prices for the most cost-effective vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,161 |
| Ford F-150 XL Regular Cab 2WD | $1,205 |
| Toyota Prius | $1,286 |
| Honda Odyssey EX W/Rear Entertainment | $1,347 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,357 |
| Honda CR-V EX-L 4WD | $1,359 |
| Ford Escape XLS 2WD | $1,421 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,423 |
| Hyundai Elantra SE 4-Dr Sedan | $1,445 |
| Toyota Corolla LE | $1,452 |
| Jeep Grand Cherokee Limited 4WD | $1,472 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,481 |
| Nissan Rogue SL 2WD | $1,472 |
| Kia Optima LX | $1,479 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,496 |
| Chevrolet Impala LS | $1,548 |
| Toyota RAV4 Limited 4WD | $1,577 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific garaging location which can affect premium rates considerably.
Looking at the rates, we can presume that models like the Honda Accord, Ford F-150, and Toyota Prius are going to be a few of the most affordable vehicles to insure for using your car for business. The price of auto insurance will be more costly because there is more liability risk for business use, but generally speaking those particular models will most likely have the cheapest auto insurance rates that you are likely to find.
Comparing rates for reasonably-priced insurance is not the easiest thing to do, and deciding which companies quote the best auto insurance rates for business use will take even more shopping around. Every car insurance company has a proprietary method to set their prices, so let’s begin by taking a look at the most affordable auto insurance companies in Long Beach.
It’s important that you understand California auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Improving your financial situation, marrying your spouse, or getting caught speeding can trigger changes in premium that can now make some companies more affordable than competitors.
Best Cheap Insurance Rates for Business Use
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,529 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,556 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,733 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
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USAA may have some of the most affordable car insurance rates in Long Beach at around $1,109 annually. Century National, Wawanesa, CSAA, and Nationwide also qualify as some of the more affordable Long Beach, CA car insurance companies.
In the above example, if you are currently insured with Nationwide and switched to Century National, you could earn an annual premium reduction of in the vicinity of $35. California drivers with 21st Century might save as much as $201 a year, and Grange policyholders might realize rate reductions of up to $255 a year.
These policy rates are averaged for all drivers and vehicles in California and do not factor in an exact location for business use. So the insurer that fits your age and vehicle best may not even be in the list above. That is why you need to get car insurance quotes using your own individual information.
Buying coverage from the top car insurance company can be a challenge considering how many companies are available to choose from in California. The rank data in the next section may help you pick which coverage providers to look at when insurance shopping for business use. These ratings only include the largest companies in America, so companies that may only write in California are not factored into the list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Poor driving habits will raise your auto insurance rates
The ideal way to enjoy affordable auto insurance prices in California for using your car for business is to be a safe driver and not get tickets or have accidents. The illustration below demonstrates how citations and at-fault accidents increase insurance premiums for different insured age categories. Data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance in California per year with no violations or accidents is $2,987. Get one speeding ticket and the average cost rises to $3,387, an increase of $400 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for business use jumps again to an average of $6,826. That’s an increase of $3,839, or $320 per month, just for not driving carefully!
Who has the cheapest Long Beach car insurance?
Long Beach, CA auto insurance rates are impacted by many factors which can substantially decrease or increase the cost of coverage. Simply turning a year older, having a claim, or getting into an accident can trigger rate changes resulting in some companies being affordable when they were higher priced. Not only may things change on your end, but companies change prices as often as every quarter in order to protect their financial rating. Higher than normal claim frequency or severity may result in rate increases, while less frequent claims may cause lower-cost Long Beach car insurance rates.
To illustrate this point, the bar chart below shows rates for the cheapest car insurance in Long Beach, CA for a 40-year-old male driver with no accidents or violations, and a good credit rating. If we look at prices based on his current risk factors, USAA might offer the best car insurance rates in Long Beach at $1,398 a year. This is $253 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the top five cheapest Long Beach, CA auto insurance companies.
Now we will pretend the driver from the above example a chargeable claim, poor credit, and a few blemishes on his driving record. Since each insurance company uses their own method for determining rates, comparing insurance quotes could now result in a slightly different list of affordable companies as shown below.
Grange now has the best price in Long Beach, CA with Mercury, Allied, Progressive, and Allstate now being in the top five. This shows why it is crucial to shop around with many companies when trying to get the lowest car insurance rates for business use. Insurance prices are impacted by many different factors and can increase or decrease at any time, so the most economical option the last time you shopped your coverage around may now be wasting a lot of money.