Who Has Cheap Long Beach Car Insurance Rates for Seniors?

Finding decent, cost effective insurance is not always easy, and determining which company offers the lowest-priced insurance rates for seniors requires a bit more work. Every insurance company has a unique formula for establishing rates, so let’s begin by examining the insurance companies with the most affordable rates in California.

Cheap Insurance Rates for Mature Drivers

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,109
2 Century National $1,178
3 CSAA $1,186
4 Wawanesa $1,192
5 Nationwide $1,226
6 21st Century $1,325
7 Grange $1,447
8 Mercury $1,488
9 Allstate $1,497
10 Progressive $1,512
11 GEICO $1,575
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,638
15 State Farm $1,733
16 Esurance $1,739
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $2,026
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USAA may offer some of the cheapest car insurance rates in Long Beach at around $1,109 annually. Century National, CSAA, Wawanesa, and Nationwide also rank well as some of the cheaper Long Beach, CA car insurance companies.

In the above rates, if you are a policyholder with Century National and switched to USAA, you might see a yearly savings of upwards of $69. Insureds with CSAA may save as much as $77 a year, and Wawanesa policyholders might realize rate reductions of up to $83 a year.

To discover how much you can save, click here to start a quote or visit any of the companies below.

Be aware that those premiums are averages across all drivers and vehicles in California and and are not calculated with an exact zip code location for seniors. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

One of the more important considerations that are used to help calculate car insurance rates is the neighborhood you call home. Larger areas tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the luxury of lower rates.

The next table lists the priciest cities in California for seniors to purchase car insurance in. Long Beach comes in at #7 having an annual price of $1,578 for the average policy, which is about $132 per month.

Car insurance prices in Long Beach
Rank City Average Per Year
1 Glendale $2,121
2 Los Angeles $2,104
3 Oakland $1,755
4 San Francisco $1,745
5 Sacramento $1,669
6 San Bernardino $1,596
7 Long Beach $1,578
8 Fontana $1,566
9 Stockton $1,556
10 Santa Clarita $1,548
11 Riverside $1,527
12 Garden Grove $1,508
13 Moreno Valley $1,506
14 Fresno $1,502
15 Santa Ana $1,497
16 Modesto $1,487
17 Anaheim $1,444
18 San Jose $1,437
19 Fremont $1,389
20 Huntington Beach $1,374
21 Bakersfield $1,353
22 Irvine $1,343
23 San Diego $1,340
24 Chula Vista $1,337
25 Oxnard $1,304
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Annual rates are estimated as the specific area where the vehicle is garaged can increase or decrease insurance rates greatly.

Does it make sense to buy full coverage?

Finding the cheapest insurance is the goal of the majority of vehicle owners, and one common way to reduce the cost of insurance for seniors is to not buy comprehensive and collision coverage. The example below compares insurance prices with full coverage and liability only. The information is based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are applied.

If we average all the age groups together, full coverage costs an extra $2,772 per year more than just insuring for liability. That is a large expense and it proposes the question if buying full coverage is worth the expense. There is no specific rule for dropping physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

There are some conditions where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Insuring your vehicle with the highest-rated auto insurance provider can be a challenge considering how many companies are available to choose from in California. The ranking data shown below could help you analyze which car insurance companies to look at when trying to find cheaper insurance for seniors. These ratings are only made up of companies with a nationwide focus, so companies with more of a regional focus are not included in the list.

Top Ten Insurance Companies for Seniors in California
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
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Data Source: Insure.com Best Car Insurance Companies

Low rates can quickly become overpriced

Long Beach insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Improving your credit rating, buying a new vehicle, or getting into an accident may cause policy rate changes that may make certain companies more affordable than the competition.

Not only may your risk profile change, but insurance companies change the rates they charge in California as often as every three months in order to protect their financial rating. An unexpected high level of claims may result in additional price hikes, while lower claim expenses may cause lower-cost Long Beach car insurance rates.

To help illustrate this point, the graph below shows the cheapest car insurance in Long Beach, CA for a 45-year-old female driver with a good driving record, no prior claims, and great credit. Based on her current rating profile, USAA may have the cheapest car insurance rates in Long Beach at $1,401 each year. This is $250 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the most affordable Long Beach, CA auto insurance companies.

Let’s now give the driver from above an accident surcharge, a lower credit score, and a couple of points charged on her driving record. Because each company has a unique approach to determining premium rates, analyzing rates may now present a slightly different list of the cheapest Long Beach car insurance companies as shown below.

Grange now has the best price on car insurance in Long Beach with GEICO, Allied, Progressive, and Allstate completing the list. This example proves why consumers need to compare rates to get affordable insurance rates for seniors.

Insurance rates can be determined by many things and can decrease or increase without notice, so the best option two years ago may now be quite expensive.

The agents shown below can help you decide which auto insurance policy would work best for you, as some drivers aren’t sure which coverage they need and prefer to have professional advice when buying car insurance for seniors. It can be complicated to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can give you comfort knowing you have decent coverage if you have a claim.

To locate a Long Beach insurance agent using an interactive map, click the button following the list.

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