The vehicle needing coverage is one of the main factors when looking for the lowest-priced car insurance for a learners permit. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models.
The data below estimates insurance premiums for a handful of the most affordable vehicles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $4,275 |
| Ford Escape XLS 4WD | $4,282 |
| Honda CR-V LX 4WD | $4,275 |
| Toyota Prius | $4,612 |
| Chevrolet Impala LS | $5,033 |
| Toyota RAV4 Sport 2WD | $5,073 |
| Jeep Grand Cherokee Laredo 4WD | $5,081 |
| Volkswagen Jetta LE 4-Dr Sedan | $5,073 |
| Ford F-150 SVT Raptor Super Cab 4WD | $5,111 |
| Ford Explorer Eddie Bauer 4WD | $5,118 |
| Toyota Tacoma Double Cab 4WD | $5,111 |
| Chevrolet Malibu LT | $5,118 |
| Dodge Grand Caravan Crew | $5,111 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,295 |
| Toyota Corolla S | $5,335 |
| Ford Edge Limited AWD | $5,345 |
| Honda Odyssey EX-L W/Navigation | $5,335 |
| Start a Quote Go | |
Prices above based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can revise auto insurance rates significantly.
Based upon these rates, vehicles like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Chevrolet Impala are likely to be some of the cheaper vehicles to insure for new drivers. The cost of auto insurance will be more costly just because there is more claim exposure for a learners permit, but in general those models will most likely have the least expensive rates compared to other types of vehicles.
Buying cost effective insurance is not most people’s favorite thing to do, and figuring out which companies have the most affordable auto insurance rates for a learners permit will involve even more perseverance.
Every car insurance company uses their own calculation to determine premium rates, so we need to take a look at the auto insurance companies that tend to have lower prices in Long Beach. It’s important to understand that California auto insurance rates are impacted by many things that can increase the price you pay. That is why consumers need to take the time to shop around to find the lowest car insurance rates for a learners permit. Prices consist of many things and can change without notice, so the cheapest company a year ago may now be quite expensive.
Find the Best Cheap Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | GEICO | $1,529 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | Allstate | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
| Compare Rates Now Go | ||
USAA quotes some of the most affordable car insurance rates in Long Beach at around $1,143 per year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the lowest-priced Long Beach, CA auto insurance companies.
As shown in the table above, if you have coverage with Nationwide and switched to Wawanesa, you might see an annual premium reduction of upwards of $104. Insureds with 21st Century could save as much as $192 a year, and Grange policyholders might cut rates by $331 a year.
These premium estimates are averaged for all drivers and vehicles and and are not calculated with an exact vehicle garaging location for a learners permit. So the insurer that has the cheapest rates for you may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Rate increases following a ticket or accident
One of the best ways to earn the most affordable auto insurance premiums for new drivers is to drive safely and avoid accidents and keep your driving record clean. The information below highlights how speeding tickets and at-fault collisions can increase premium costs for different categories of driver ages. The information is based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.
In the previous example, the average cost of car insurance in Long Beach per year with no violations or accidents is $3,385. Add in two speeding tickets and the average cost surges to $4,499, an increase of $1,114 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a learners permit goes up to an average of $8,487. That’s an increase of $5,103, or $425 per month, just for not being a responsible driver!
Auto insurance companies ranked
Selecting a highly-rated company can be challenging considering how many companies are available to choose from in Long Beach. The company ratings below can help you choose which companies you want to consider shopping prices with. The ratings below are only made up of companies who write in the majority of U.S. states, so companies that only write business in California or surrounding areas are not factored into these rankings.
Top 10 Large Auto Insurers Overall in Long Beach
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Large Auto Insurers 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
The agents shown below can help you decide which car insurance company is the best fit, since many people would rather get some help when trying to find the best insurance rates for new drivers. It can be challenging to find the best coverage yourself, so getting advice from a licensed agent can give satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim.
To find a Long Beach insurance agent closest to you, click the link after the list or click here to compare price quotes.
- Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 - John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622 - Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 - Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444
View map of Long Beach, CA insurance agents
How to find low-cost car insurance for a learners permit
Below you’ll find some penny-pinching ideas that can help Long Beach drivers quote lower-cost coverage.
- Increase deductibles to save money
- Do not file small claims
- Assess whether full coverage is needed
- Improve your credit rating
- Buying home and auto together can help save money
- Drive a car with a high safety rating
- Compare rate quotes frequently
The last suggestion is very valuable, as we stressed in this article. Car insurance rates vary greatly, so don’t be afraid to buy from a new company if a lower price can be found.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. Spend a few minutes and shop around to find cheaper car insurance for a learners permit in Long Beach.