Wouldn’t it be awesome if we could instantly tell you the one perfect company that has the most affordable coverage for low mileage drivers? It’s not that easy, however, as there are many unknown elements like your annual mileage driven, the neighborhood you live in, and your gender. In this article, we will cover these factors and others that can influence the price of auto insurance and will hopefully give the reader a solid foundation to find cheaper car insurance in California.
Finding reliable, cost effective insurance is not the easiest thing to accomplish, and determining which companies offer the best insurance rates for low mileage drivers takes even more perseverance. Each company uses a different method for determining prices, so let’s take a look at the most budget-friendly insurance companies in Long Beach.
It’s important that readers know that California insurance rates are impacted by many factors that may substantially change the cost of coverage. That is why drivers need to do a thorough rate comparison to find the lowest insurance rates for low mileage drivers. Car insurance prices are calculated by many different factors and can decrease or increase without notice, so the cheapest rate when you bought your policy may now be an over-priced policy.
Cheapest Insurance Rates in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,548 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA may offer some of the lowest car insurance rates in Long Beach at around $1,109 each year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the best Long Beach, CA car insurance companies.
As depicted above, if you buy coverage from Nationwide and switched to Wawanesa, you may see annual savings of approximately $93. California drivers with 21st Century could save as much as $181 a year, and Grange customers might reduce prices by as much as $320 a year.
To see if your current coverage is too expensive, click here to get quotes or visit any of the low-priced companies below.
Remember that these premium estimates are averages for all drivers and vehicles and do not take into consideration a specific zip code for low mileage drivers. So the insurer that is best suited for you may not even be in the top 24 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.
For infrequent drivers, one of the big criteria that are looked at to determine the price you pay for insurance is your zip code. Areas with more people or more claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The following table ranks the priciest cities in California for low mileage drivers to purchase car insurance in. Long Beach makes the list at #9 with a yearly cost of $1,562 for the average insurance policy, which is approximately $130 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Santa Clarita | $1,595 |
| 8 | Fontana | $1,581 |
| 9 | Long Beach | $1,562 |
| 10 | Stockton | $1,556 |
| 11 | Garden Grove | $1,554 |
| 12 | Riverside | $1,542 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,502 |
| 15 | Moreno Valley | $1,491 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,430 |
| 18 | Bakersfield | $1,394 |
| 19 | Fremont | $1,389 |
| 20 | San Jose | $1,381 |
| 21 | San Diego | $1,381 |
| 22 | Huntington Beach | $1,360 |
| 23 | Chula Vista | $1,337 |
| 24 | Irvine | $1,330 |
| 25 | Oxnard | $1,304 |
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Premium costs are approximated as the garaging address in Long Beach can affect prices noticeably.
Drive safe and save
A great way to snag the most affordable insurance premiums in Long Beach for infrequent drivers is to drive safe and have a clean driving record. The illustration below illustrates how traffic citations and accidents can drive up auto insurance rates for each age group. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of car insurance in Long Beach per year with no accidents or violations is $2,650. Factor in two speeding tickets and the average cost jumps to $3,786, an increase of $1,136 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of insurance for low mileage drivers jumps again to an average of $4,933. That’s an increase of $2,283, or $190 per month, just for a couple of infractions!
Picking a high-quality insurer can be a challenge considering how many different companies there are to choose from in California. The ranking data in the next section could help you analyze which auto insurers you want to consider when comparing rate quotes. These rankings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not included in these rankings.
Top 10 Major Auto Insurance Companies in Long Beach Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Companies Overall in Long Beach
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Why you are probably overpaying for car insurance
California insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Getting older, buying a different home, or getting into an accident can trigger price changes that can cause some rates to be cheaper than competitors. Also, companies file new California auto insurance rates multiple times each year in order to remain profitable. Unexpectedly high claims may cause rate hikes, while lower claim expenses can cause cheaper Long Beach car insurance rates.
For example, the graph below shows the companies that have the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with a clean driving record, no accidents, and a decent credit rating. When quoting prices based on his current risk profile, USAA may offer the best car insurance rates in Long Beach at $1,328 annually. This is $323 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the most affordable Long Beach, CA auto insurance companies.
The next chart shows rates after we give the driver from above a chargeable accident, a lower credit rating, and a blemish on his driving record. Since every car insurance company uses their own method to set policy rates, getting updated rate quotes could now result in a substantially altered list of the cheapest Long Beach car insurance companies as shown below.
Grange now has the cheapest auto insurance in Long Beach with Mercury, Progressive, GEICO, and Allstate completing the list. This example illustrates why drivers need to compare many different companies to get affordable car insurance rates for low mileage drivers.
Rates are determined by many risk factors and can decrease or increase without notice, so the best option the last time you shopped around may now be an over-priced policy.