Find Car Insurance in Long Beach, CA
What You Should Know about Auto Insurance in Long Beach, California
Long Beach, California, is located along the Pacific Ocean coastline, 20 miles south of Los Angeles, and serves as one of the busiest seaports in the United States. People enjoy visiting popular Belmont Shore Beach, Alamitos Beach, and Long Beach Peninsula for sunbathing, playing beach volleyball, swimming, sailing, kayaking, paddleboarding, and more.
Other than the beach, locals enjoy the museums, galleries, theaters, and venues throughout the city, like the Long Beach Museum of Art, Museum of Latin American Art (MOLAA), and the Carpenter Performing Arts Center, and shopping and dining at Downtown Long Beach and Belmont Shore.
Driving to any of these attractions is relatively easy to navigate. However, most southern California metropolises with major commuting roads – such as the Long Beach Freeway and I-405 – get backed up during peak hours, increasing the risk of accidents and other automotive mishaps.
Whether you’re heading to the Queen Mary via Ocean Boulevard or your office near Anaheim Street, you’ll need California auto insurance. If you’re looking for a new policy, experts at InsureOne can help you find the best quality plans and rates in Long Beach.
How Much Does Car Insurance Cost in Long Beach, California?
Auto insurance premiums in Long Beach vary depending on several factors, including the type of plan you select.
In California, the average person spends $647 annually on liability insurance coverage. In Long Beach, this number is $960. Across the nation, most motorists pay an average of $644.
For full auto insurance coverage , California residents spend about $2,663, Long Beach residents pay $2,280, and most drivers spend $2,314 nationally.
What Does Full Coverage vs Minimum Liability Mean?
When you think of auto protection, two types likely come to mind: full coverage and liability. The biggest difference between these two products is the advantages you receive with each.
Most states require state-mandated liability for motorists. Your policy includes bodily liability and property damage if you cause an accident. If someone else is injured or killed, your plan helps pay for the medical and legal bills, all up to its maximums.
You shouldn’t just get the minimum protection, though. Yes, you’ll meet state regulations with liability only, but you’ll face many limitations when you need financial assistance for your repairs.
It’s always best to opt for an all-encompassing solution, such as full auto coverage, for more of a financial buffer. You still receive liability assistance, and you can elect various levels of collision and comprehensive benefits.
Collision assists with your vehicle’s repairs or replacement costs regardless of who is at fault for causing the accident. Comprehensive assists with non-collision events including theft, vandalism, falling objects, or natural disasters until you reach your agreement’s limits.
As you can see, selecting more protection than the state requires will give you peace of mind now and in an emergency.
Car Insurance Rates Comparison by Zip Code in Long Beach
Underwriters use your zip code as one of many factors to calculate your premium rates. The table below shows the average monthly premiums in several Long Beach zip codes.
| Zip Code | Full Coverage | Liability Only |
|---|---|---|
| 90712 | $190 | $80 |
| 90715 | $206 | $86 |
| 90740 | $178 | $78 |
| 90755 | $203 | $83 |
| 90801 | $231 | $94 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Long Beach
Many Californians like to take advantage of bundling opportunities with their carrier. Protecting two or more assets with the same provider makes managing your plans easier while gaining savings.
One of the most common bundles in Southern California is for auto and homeowners insurance. Many companies have these offers, so you’ll want to get several quotes to confirm you’re receiving the best quality coverage for a good price. Even purchasing boat insurance with auto and home can help you save more while enjoying being on land and in the water.
Policyholders usually save 5%-10% off their premiums, but you can save time and money when you reach out to an InsureOne agent. They gather this information for you and present customized packages that meet your needs and budget.
Whether you prefer to drive with the sunroof open on the PCH or people-watching along Long Beach Boulevard, InsureOne has the best offerings for your home and vehicle.
What Types of Car Insurance Discounts are Available in Long Beach?
Bundling helps save, although carriers also offer additional discounts. Here are just some of the many auto premium reductions you may qualify for in Long Beach:
- Student Auto Insurance Discount
- Multi-Car Discounts
- Low Mileage Car Insurance Discount
- Anti-Theft Car Insurance Discounts
- Customer Retention Insurance Discount
Notable Car Insurance Laws in Long Beach
What are the Mandatory Car Insurance Requirements in Long Beach?
Long Beach follows the same auto legislation the state requires. While no specific rules or laws in Long Beach change these requirements specifically, it’s still important to pay attention to local traffic laws, parking signage, stoplight turning lanes, and more.
In California, your auto benefits must include:
- Minimum required bodily injury/death liability coverage of $15,000 for one person and $30,000 for two or more people per accident
- At least $5,000 for property damage
You always want to have proof of your policy on hand, so it’s recommended that you keep a hard copy in your glove compartment for easy access in case you get pulled over on Bellflower Boulevard, Pine Avenue, or any other road in Long Beach.
What is the Penalty for Driving without Vehicle Insurance in Long Beach?
As previously mentioned, California law requires all motorists to have active auto coverage to operate a vehicle. The Golden State takes this law very seriously, so there can be harsh penalties if you’re caught driving without documentation.
You can receive fines between $100 and $500, although these numbers can increase depending on the penal codes listed on your ticket. California is unique in that there are additional penalty assessments for every $10 in your fine, so what started as a simple $200 fine can double, triple or more, depending on the penal codes used.
Do Long Beach-Specific Laws Play a Role in Determining Your Insurance Premiums?
Auto policy requirements are the same throughout the Golden State, so Long Beach legislation wouldn’t necessarily affect your premiums. However, there are other characteristics underwriters should consider when they calculate your rates. Some of these factors are listed below.
- Zip code of your primary residence
- Education level, such as college or other higher education degree
- Your profession, especially if you drive a lot for work
- The type of vehicle you own, such a sedan SUV, sports or luxury model, or an American brand
- A clean driving record can help reduce your rates
What’s the Best Car Insurance for Teenagers and Their Family in CA?
When your teen learns to drive, you must notify your carrier to add them to your policy. Young and inexperienced drivers have higher rates because, statistically, this group gets into more accidents than others, so their premiums reflect these risks.
You’ll want a solution that adequately protects your family while still receiving reasonable prices. The best thing you can do to get the best quality coverage for your teen at the most competitive prices in California is to ask for quotes from several different carriers.
At InsureOne, agents have relationships with the top providers in the nation and can customize a bundle for your family that meets your needs and budget. Plus, they can help you decide which options are best for you and if you should invest in other products, such as roadside assistance, in case your team gets stuck and needs a lifeline. Yes, your teen and you really need a roadside assistance plan in case you need emergency towing, flat tire, lockout, or battery jumpstart help.
Typical Driving Conditions in Long Beach
Driving in Long Beach is relatively straightforward, although there are a few hazards you’ll want to stay aware of on the road.
The city is heavy with tourists and pedestrian—and biker-friendly, especially when you drive downtown, along the waterfront, or to the Aquarium of the Pacific or the Queen Mary. You’ll likely encounter traffic congestion in these areas, too, so it’s important to stay vigilant of your surroundings, obey local street and traffic laws, and anticipate people on foot around crosswalks and traffic lights.
Long Beach has very mild weather, though there can be foggy conditions and rain showers in the winter months that can make roads slippery and reduce visibility. In all, driving in Long Beach is enjoyable if you follow safe driving habits, stay alert, and practice defensive driving to stay safe on the road.
How Many Car Accidents Happen in Long Beach Per Year?
The National Highway Traffic Safety Administration (NHTSA) annually releases data about accidents throughout the country. Between 2012 and 2022, an average of 37 fatalities per year occurred in Long Beach due to automobile accidents. These numbers aren’t ideal, so it’s extra important to have adequate protection in an emergency and stay safe.
The table below compares annual fatalities in Long Beach to other areas in California:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| Long Beach | 37 |
| Sacramento | 55 |
| Irvine | 11 |
| Modesto | 18 |
| Palmdale | 19 |
How Many Uninsured/Underinsured Motorists are in Long Beach?
As of March 2024, 50% of the top ten cities with the highest levels of uninsured motorists were in California. The state has some of the highest levels of uninsured motorists, especially in large cities in northern California.
Given the risks of an accident with a driver who doesn’t have proper coverage, you need to be highly attentive about purchasing a plan with adequate protection. This way, you’re protected no matter who is at fault if you get in an accident.
Get Covered by the Best Car Coverage in Long Beach, California Today
Experts at InsureOne provide a customized, one-stop insurance shopping experience to help you find the best protection for your vehicle at the best prices in Long Beach. We understand your time is valuable, so we curate and present you with personalized solutions that best meet your needs and budget, saving you time and money. To get started, visit us online, at a California office near you, or call (800) 836-2240 to request a quote.