For low mileage drivers, one of the big considerations that help determine car insurance rates is where you call home in Long Beach. Cities with larger populations tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The next table ranks the most costly cities in California for infrequent drivers to purchase car insurance in. Long Beach ranks #7 with the yearly price of $1,610 on average, which is around $134 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,581 |
| 10 | Garden Grove | $1,554 |
| 11 | Moreno Valley | $1,551 |
| 12 | Santa Clarita | $1,548 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,497 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Bakersfield | $1,381 |
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Rate quotes are comparative as the specific zip code location can alter rates significantly.
Finding decent, affordable insurance is tough enough, and determining which companies quote the cheapest insurance rates for infrequent drivers will require additional perseverance. Each auto insurance company has their own formula to set their prices, so let’s begin by examining the lowest cost insurance companies in Long Beach.
Cheap Insurance Rates in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,222 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,491 |
| 8 | GEICO | $1,513 |
| 9 | Mercury | $1,548 |
| 10 | Progressive | $1,558 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $2,026 |
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USAA quotes some of the lowest car insurance rates in Long Beach at around $1,155 annually. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Long Beach, CA car insurance companies.
As shown in the table above, if you buy coverage from Wawanesa and switched to USAA, you might achieve a yearly price reduction of about $2. California drivers with CSAA may save as much as $67 a year, and Century National policyholders might realize rate reductions of up to $71 a year.
It’s important to note that these premiums are averages across all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for infrequent drivers. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.
The car, truck, or SUV requiring coverage is one of the biggest factors that determines if you can find the most economical auto insurance for infrequent drivers. Vehicles with more horsepower, poor safety ratings, or high incidents of liability claims will cost significantly more to insure than more modest models.
The information below outlines auto insurance rates for some of the cheapest vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,114 |
| Toyota Prius | $1,206 |
| Honda Accord LX-P 4-Dr Sedan | $1,251 |
| Honda Odyssey EX W/Rear Entertainment | $1,266 |
| Ford Escape Limited 4WD | $1,356 |
| Hyundai Elantra SE 4-Dr Sedan | $1,366 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,379 |
| Toyota Corolla XRS | $1,382 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $1,392 |
| Kia Optima LX | $1,384 |
| Nissan Rogue S AWD | $1,393 |
| Hyundai Sonata SE 4-Dr Sedan | $1,451 |
| Ford Edge SE 2WD | $1,465 |
| Jeep Grand Cherokee Laredo 2WD | $1,477 |
| Toyota Camry Hybrid | $1,483 |
| Dodge Ram 2500 Crew Cab ST 2WD | $1,477 |
| Toyota RAV4 2WD | $1,484 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in Long Beach, CA location which can impact coverage rates significantly.
Based on these rates, cars like the Honda CR-V, Toyota Prius, Honda Accord, and Honda Odyssey should be some of the most budget-friendly vehicles to insure for low mileage drivers.
Selecting the top company is difficult considering how many companies are available to choose from in California. The ranking data listed below may help you choose which providers you want to consider buying from. These ratings include companies with a nationwide focus, so smaller companies that only insure vehicles in California are not included in these rankings.
Top 10 Large Auto Insurance Providers in Long Beach Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Large Auto Insurance Providers in Long Beach Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Get discount Long Beach insurance rates
Insurance providers that offer cheap quotes for infrequent drivers may also provide policy discounts that could reduce prices by as much as 35% or more if you can meet the requirements. A list of companies and their offered discounts are detailed below.
- State Farm offers discounts for accident-free, good driver, multiple policy, defensive driving training, Drive Safe & Save, and safe vehicle.
- American Family has discounts for mySafetyValet, TimeAway discount, good driver, defensive driver, accident-free, and air bags.
- AAA offers discounts including multi-policy, pay-in-full, good driver, education and occupation, good student, and AAA membership discount.
- GEICO may include discounts for military active duty, multi-policy, federal employee, daytime running lights, anti-lock brakes, and five-year accident-free.
- Mercury Insurance has savings for low natural disaster claims, professional/association, age of vehicle, good student, good driver, multi-policy, and multi-car.
- Farmers Insurance may offer discounts for teen driver, distant student, switch companies, multi-car, bundle discounts, mature driver, and good student.
- Progressive offers premium reductions for continuous coverage, online signing, multi-vehicle, homeowner, and multi-policy.
The example below shows the difference between insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, defensive driving course, safe-driver, vehicle safety, marriage, and accident-free discounts applied. When taking advantage of discounts, theamount saved on insurance for infrequent drivers is 28% or $670.
Rate increases following a ticket or accident
The common sense way to enjoy low insurance rates in California for low mileage drivers is to drive carefully and avoid accidents and violations. The example below illustrates how violations and accident claims raise premium costs for different ages of insureds. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in California per year with no violations or accidents is $2,882. Get two speeding tickets and the average cost increases to $3,996, an increase of $1,114 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for infrequent drivers increases to an average of $7,985. That’s an increase of $5,103, or $425 per month, just for not being more responsible behind the wheel!