Car Insurance in Long Beach, California
Estimated full coverage in Long Beach runs about $1,700 a year ($142/month) — ▲ +9% versus the California average, ranking 11th most expensive of the 77 California cities we cover.
Why car insurance in Long Beach costs more than the California average
Insurers price by territory, and Long Beach's numbers explain most of the gap. With 450,901 residents on 50.7 square miles, the city's density (8,898 people per square mile) is 3.9 times the density where the typical California resident lives (2,278). The average commute is 29.9 minutes (California: 28.7), and 67% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision, and 1.12× for comprehensive once FEMA weather risk for Los Angeles County is included.
| Factor | Long Beach | California ref. | Why it matters |
|---|---|---|---|
| Population density | 8,898 / sq mi | 2,278 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 29.9 min | 28.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 11.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 66.8% | — | Share of workers commuting by car. |
| Public transit to work | 3.8% | — | Transit use lowers how much residents drive. |
| Work from home | 16.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.9% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.0 | 64.0 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Long Beach
Rates can change from one ZIP code to the next. Across 11 Long Beach ZIP codes, our full-coverage estimate ranges from $1,625 in 90810 to $1,760 in 90804. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 90805 | 92,402 | 12,455 | 30.2 min | 8.9% | $1,735 | +2% |
| 90813 | 51,241 | 16,637 | 28.8 min | 18.4% | $1,740 | +2% |
| 90815 | 43,023 | 6,099 | 28.8 min | 3.6% | $1,655 | −3% |
| 90806 | 41,664 | 8,526 | 30.0 min | 9.5% | $1,700 | 0% |
| 90802 | 40,434 | 6,220 | 31.9 min | 15.2% | $1,695 | 0% |
| 90808 | 39,317 | 5,725 | 28.2 min | 2.4% | $1,640 | −4% |
| 90804 | 38,076 | 17,636 | 29.8 min | 8.6% | $1,760 | +4% |
| 90810 | 35,833 | 5,480 | 27.2 min | 10.5% | $1,625 | −4% |
| 90807 | 33,101 | 7,487 | 30.1 min | 6.4% | $1,690 | −1% |
| 90803 | 31,526 | 7,763 | 31.7 min | 3.6% | $1,710 | +1% |
| 90814 | 19,471 | 14,607 | 30.4 min | 6.5% | $1,750 | +3% |
Minimum car insurance in Long Beach
Long Beach drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Long Beach at $625 a year, and $870 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — California does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.
Minimums were raised recently from 15/30/5.
Risk factors that shape Long Beach premiums
Accidents
California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Los Angeles County as relatively moderate for hail, very high for inland flooding and relatively moderate for strong wind.
Traffic & commuting
11.4% of Long Beach commuters spend an hour or more getting to work, and there are 1.71 vehicles per household. 16.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 93.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.7 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 100.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 90.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 75.2 | Comprehensive; dwelling | |
| Winter weather | 74.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Long Beach by driver profile
A clean-record driver in their 50s pays the least in our Long Beach model (about $1,565 for full coverage); an 18-year-old on their own policy pays about $4,675, and a DUI pushes a 30-something to $3,145.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,715 | $2,390 | $4,675 | $390 |
| Young adult (22) | $1,000 | $1,390 | $2,720 | $227 |
| Adult in their 30s | $625 | $870 | $1,700 | $142 |
| Adult in their 50s | $575 | $800 | $1,565 | $130 |
| Senior (72) | $700 | $975 | $1,905 | $159 |
| 30s, one at-fault accident | $905 | $1,260 | $2,465 | $205 |
| 30s, DUI on record | $1,155 | $1,610 | $3,145 | $262 |
Minimum vs. standard vs. full coverage in Long Beach
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $625 | $52 | $510–$735 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $870 | $72 | $715–$1,025 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,700 | $142 | $1,395–$2,005 |
Estimate your premium in Long Beach
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Cheap car insurance in Long Beach: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Long Beach's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $120 | You're among the 16.2% of Long Beach workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $455 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $830 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $375 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Long Beach
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 66 offices listed below.
- Check complaint records with the California Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Long Beach, our estimates differ by up to $135 a year between neighborhoods.
Car insurance agents near Long Beach, CA
We found 66 insurance offices within about 5 miles of central Long Beach, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Richard Susanto - Farmers Insurance
1725 E 7th St, Long Beach, CA 90813 -
Next Generation Insurance
CA -
Evelyn Galvan - Farmers Insurance
3320 E Anaheim St, Long Beach, CA 90804 -
Hector Manuel Silva - Farmers Insurance
908 E Pacific Coast Hwy, Long Beach, CA 90806 -
Tom J Roybal - Farmers Insurance
1966 Freeman Ave, Signal Hill, CA 90755 -
Lori Dwight - State Farm
1901 Redondo Ave, Suite A, Signal Hill, CA 90755 -
E Insurance
CA -
Terry Lee McMahon - Farmers Insurance
2525 Cherry Ave, Signal Hill, CA 90755 -
Stoebe Insurance Agency
2501 Cherry Ave, Ste 170, Signal Hill, CA 90755 -
Stewart Insurance Service
CA -
Reolnabe Ronces - Farmers Insurance
145 W Broadway, Long Beach, CA 90802 -
Francisco Alejandro Cacheo - Farmers Insurance
4510 E Pacific Coast Hwy, Long Beach, CA 90804 -
Jason Jones - Allstate
4510 E Pacific Coast Hwy, Ste 580, Long Beach, CA 90804 -
Keller Williams
CA -
A&E Insurance Services
CA -
State Farm - Steven H Dwight
CA -
Allstate
CA -
Auto Stop Insurance Services
2137 Pacific Ave, Long Beach, CA 90806 -
Andrea Webster - Farmers Insurance
2501 E 28th St, Signal Hill, CA 90755 -
Mario Bujas - Farmers Insurance
5199 Pacific Coast Hwy, Long Beach, CA 90804 -
Matthew Fortin Baloloy - Farmers Insurance
444 W Ocean Blvd, Long Beach, CA 90802 -
Autopublic Insurance
Long Beach Boulevard, Long Beach, CA 90806 -
Keir Jones - State Farm
5150 E. Colorado Street, Long Beach, CA 90814 -
Jade Bee Pham - Farmers Insurance
3450 E Spring St, Long Beach, CA 90806 -
Martha Chavez - Farmers Insurance
2634 Pacific Ave, Long Beach, CA 90806 -
Saida P Valencia-De-Gomez - Farmers Insurance
3780 Kilroy Airport Way, Long Beach, CA 90806 -
Paul Thomas Podraza - Farmers Insurance
5538 E 7th St, Long Beach, CA 90804 -
Allstate
CA -
The Wright Agency
188 Pomona Ave, Long Beach, CA 90803 -
Michael Khoury - Allstate
5001 Airport Plaza Dr, Ste 205, Long Beach, CA 90815 -
Freeway Insurance
5539 E Stearns St, Long Beach, CA 90815 -
Eric Alexander Uzeta - Farmers Insurance
740 E Wardlow Rd, Long Beach, CA 90807 -
Joilyn Hanley - Allstate
5520 E 2nd St, Ste A, Long Beach, CA 90803 -
Freeway Insurance
3397 Long Beach Blvd, Long Beach, CA 90807 -
Paul Kagan - State Farm
2750 N Bellflower Blvd, Suite 208, Long Beach, CA 90815 -
Maira Bryant - Farmers Insurance
5580 E 2nd St, Long Beach, CA 90803 -
Vali De Vries - State Farm
5622 E 2nd Street, Long Beach, CA 90803 -
Susie Atwood - State Farm
5624 E 2nd Street, Long Beach, CA 90803 -
Cheryl Estep - State Farm
2750 N Bellflower Blvd, Suite 208, Long Beach, CA 90815 -
Del Johnson - State Farm
2642 N. Los Coyotes Diagonal, Long Beach, CA 90815
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Long Beach
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,270 | −25% |
| Subaru Outback | Wagon | $1,250 | −26% |
| Tesla Model 3 | Midsize car | $1,845 | +9% |
| Subaru Forester | Small SUV | $1,220 | −28% |
| Honda Civic | Compact car | $1,965 | +16% |
| Toyota Corolla | Compact car | $1,820 | +7% |
| Jeep Wrangler | Midsize SUV | $1,405 | −17% |
| Mazda CX-5 | Small SUV | $1,440 | −15% |
| MINI Cooper | Subcompact car | $1,290 | −24% |
| Tesla Model Y | Midsize SUV | $1,660 | −2% |
More car insurance topics in Long Beach
Car insurance in nearby California cities
- Huntington Beach $1,655/yr · 11 mi
- Downey $1,715/yr · 11 mi
- Torrance $1,630/yr · 11 mi
- Garden Grove $1,680/yr · 12 mi
- Anaheim $1,635/yr · 15 mi
- Fullerton $1,675/yr · 16 mi
- Inglewood $1,730/yr · 16 mi
- Santa Ana $1,640/yr · 17 mi
- Costa Mesa $1,560/yr · 17 mi
- Orange $1,590/yr · 18 mi
- Los Angeles $1,705/yr · 22 mi
- El Monte $1,685/yr · 22 mi
All California cities and state rules · Homeowners insurance in Long Beach
Frequently asked questions
How much is car insurance in Long Beach, CA?
We estimate full coverage in Long Beach at about $1,700 a year ($142 a month) for a driver in their 30s with a clean record, and about $625 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Long Beach more expensive than the California average?
Our Long Beach estimate is 9% higher than the statewide figure. The model reflects a population density of 8,898 people per square mile (the typical California resident lives at about 2,278) and an average commute of 29.9 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Long Beach?
Drivers in Long Beach follow California law: at least 30/60/15 liability coverage.
Which ZIP code in Long Beach has the cheapest car insurance?
Among Long Beach's 11 ZIP codes, 90810 has the lowest estimate (about $1,625 a year for full coverage) and 90804 the highest (about $1,760), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Long Beach?
An 18-year-old with their own full-coverage policy would pay around $4,675 a year in Long Beach by our estimate ($1,715 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Long Beach?
Yes. FEMA's National Risk Index rates Los Angeles County for inland (river) flooding (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Long Beach?
We list 66 insurance offices in and around Long Beach, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- California DMV: Auto Insurance Requirements
- California Department of Insurance: Automobile Insurance guide
- California DMV: Financial Responsibility (Insurance)
- California Department of Insurance: Compare Insurance Premiums
- California Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Long Beach and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places