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Find Cheap Car Insurance in Long Beach, CA

Learn More about Auto Insurance in Long Beach, California

Long Beach, situated in Southern California, is a bustling city filled with cultural attractions and outdoor spaces. Known for its waterfront scene, this city is home to the historic Queen Mary and the Aquarium of the Pacific. This urban area, with a population of nearly half a million, offers residents a wealth of activities from golfing to sailing to exploring the arts district.

In Long Beach, vehicle protection is a must-have. Acceptance provides affordable car insurance in California, a good fit even for those whose driving record might be less than perfect. Continued reading can shed light on car coverage  in the region and the best available discounts. Make the informed decision to keep you and your car safe on those Long Beach roads.

How Much Does Car Insurance Cost in Long Beach, CA?

The average cost for state-required liability auto insurance  in Long Beach is around $62 per month. This happens to be $10 more than the national average of $52 and $11 above the California state average which is $53.

For those Long Beach drivers who prefer to have full auto coverage, you’ll generally be looking at an amount of roughly $224 each month. This is $34 more than the California state average of $190 and $56 more than the average nationwide cost of $168 per month.

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What Does Full vs. Minimum Mean?

While not a legal requirement, full auto coverage is key if you’re financing or leasing a car. Think of it as your car’s protective shield —it’s there to shield against damage or loss. This all-in-one policy bundles liability with collision and comprehensive coverage. So, you’re covered for any damage to others if an accident happens (that’s your liability coverage) and it also protects your own car in scenarios like collisions, theft, vandalism, or disasters that your insurance policy covers.

Then there’s minimum liability coverage, which is the bare minimum the law says you need. This ensures you can take care of costs if you’re responsible for injuring someone or damaging another person’s property while driving. Each state decides its own minimum requirements to cover potential bills such as medical expenses, rehab costs, and legal fees in case you’re at fault in a mishap.

In summary, full coverage gives you a more comprehensive safety net for your own vehicle and assets, while minimum liability looks after your financial duty towards others if you cause an accident. It’s about finding that balance.

Compare Car Insurance Rates by City in California

For a comparison of car insurance premiums in Long Beach versus other large cities in California, review the breakdown below:

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City Full Coverage Insurance Liability Insurance Coverage
Long Beach $224 $62
Los Angeles $251 $66
Riverside $187 $51
San Francisco $218 $56
San Diego $168 $42

Compare Car Insurance Rates by Zip Code in Long Beach

Your insurance costs can change based on a different factors, like where you live. Busy cities with lots of traffic might bump up your rates because there’s a higher chance of an accident. If that’s your daily drive, you might pay a bit more than the drivers in chill neighborhoods.

Check out the table below. It covers some of the zip codes in Long Beach, and you’ll notice that what people pay for their car insurance each month isn’t exactly the same for everyone.

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Zip code Full Coverage Insurance Full Coverage Insurance
90802 $224 $62
90803 $193 $53
90804 $215 $61
90805 $217 $58
90806 $208 $57
90807 $192 $53
90808 $182 $54

Low-Cost Car Insurance Rates by Age in Long Beach

Your age can really impact your insurance costs, especially when it comes to auto insurance for teens. Since younger drivers are just starting out, insurance tends to be pricier for them. But, as you rack up more driving experience and keep those drives accident-free, expect to see your insurance costs get friendlier.

Curious about the costs? Check out the chart below, showing what people in Long Beach are paying for their insurance, and see how it changes with age.

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Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $632 $187
20s $376 $108
30s $224 $62
40s $211 $59
50s $205 $58
60s $199 $57
70s $216 $65

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

Typical Driving Conditions in Long Beach

How Many Fatal Accidents Happen Per Year in Long Beach, CA?

According to figures from the Traffic Safety Facts Annual Reports presented by the NHTSA (National Highway Traffic Safety Administration), annual traffic accidents in the city of Long Beach do not exceed 40 fatalities.

In 2021, there were 32 fatalities, including 3 pedestrians, a slight uptick from 2020’s 30 deaths (with the same pedestrian count), but not as many as 2019’s 38, where 3 were pedestrian fatalities, too.

Are Road Infrastructure and Bridges in Long Beach well maintained?

Long Beach streets are currently in the midst of a revitalization effort. The city has launched numerous initiatives and projects that are forecasted to significantly transform the landscape of Long Beach in the coming years.

The majority of new constructions are concentrated in the downtown area, with notable projects like the 271-unit building at Third and Pacific, the 189-unit Inkwell on the Promenade, and the substantial 756-unit West Gateway project. But the charge toward transformation extends beyond downtown boundaries. The city has also sanctioned projects impacting other areas, with around 1,300 new housing units anticipated for Southeast Long Beach, along with a prominent new hotel downtown.

Let’s delve deeper into some of the pivotal projects set to reshape Long Beach’s future:

  • Downtown Hotel: A currently unoccupied plot at the intersection of Ocean Boulevard and Pine Avenue has been earmarked for a grand hotel, anticipated to open its doors by 2027.

    As part of the hotel’s construction, one key historical feature is the Jergins Tunnel. Featured in a recent pop music hit, this tunnel traditionally provided a path for beachgoers to bypass Ocean Boulevard. It is slated to be repurposed into a retro, speakeasy-style bar upon the hotel’s completion.

    The building of this 30-floor hotel, projected to house 429 guest rooms, comes with a hefty price tag. To support the project, the city is relinquishing $28 million in potential tax revenue.

  • Shoemaker Bridge: It figures prominently among the city’s Public Works projects scheduled for completion before the 2028 Olympics. The revamp of this bridge intends to revolutionize how residents and visitors access Downtown Long Beach.

    The ambitious plan is to supplant the present worn-out infrastructure of the bridge, a crucial conduit for traffic navigating to and from the 710 Freeway. The proposed $900 million makeover includes implementing a roundabout for improved traffic management at the bridge’s entrances and exits.

Minimum Car Insurance Requirements in Long Beach

Living in Long Beach or anywhere else in sunny California comes with some rules about driving. One of them is about the minimum insurance coverage you need for your vehicle.

California law says you have to have a basic liability policy that includes:

  • No less than $15,000 for bodily injury or death liability insurance for each person involved, bumping up to at least $30,000 in total for each accident.
  • At least $5,000 set aside for property damage liability insurance.

What Are the Penalties for Driving Without Auto Insurance in Long Beach, California?

Did you know that if you’re caught driving without proof of insurance, or if your policy has lapsed, it’s considered a Class C misdemeanor in California? The Golden State does not look favorably upon drivers who operate vehicles without insurance.

Here’s what could happen if you’re caught:

  • If it’s your first time, you might get hit with a fine between $100 to $200. Ouch!
  • Been caught more than once in three years? The fines jump to between $300 to $500. Yikes!
  • In addition, your car could be taken away and held until you can show that insurance proof.
  • Plus, state could even suspend your car registration, leaving your ride officially off the road.
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Factors Considered for Determining Car Insurance Rates in Long Beach

There’s an array of factors that affect auto insurance rates extending beyond your age and where you live. Insurers meticulously consider several other elements that might surprise you. Some of them include:

  • Education level
  • Marital status
  • Vehicle make and model
  • Deductible amount
  • Gender
  • Occupation

Insurance That Helps You Prepare for the Future

Getting car insurance is really about equipping yourself for whatever the road ahead brings, ensuring both financial safeguarding and peace of mind. Let’s break down the ways it’s got your back:

  • Financial defense mechanism: View car insurance as a financial ally, ready to cover costs related to repairs, medical fees, and damage to property. It’s there to protect your savings from unexpected hits.
  • Eliminating budget surprises: With a full auto insurance plan, the anxiety of facing sudden, large expenses from accidents vanishes. It’s like having a financial buffer that keeps you from financial worries after mishaps.
  • Liability shield: In instances where you’re at fault in an accident, your insurance is your knight in shining armor, covering costs for the other party’s injuries or property damage. This helps to prevent potential legal and financial repercussions.
  • Stress reliever: The unpredictability of life means vehicle trouble or accidents can happen at any time, but knowing you have insurance support transforms these situations from major crises to manageable incidents.
  • Securing your future: Beyond the immediate, insurance acts as a commitment to your long-term financial health, providing a solid foundation that allows you to face unexpected challenges with confidence.

In essence, investing in car insurance is a strategic move for staying ahead, ensuring that no matter what surprises life throws your way, you’re financially prepared.

Top Ways to Save on Car Insurance in Long Beach, CA

There are plenty of smart ways to obtain lower auto insurance premiums, especially if you qualify for some of the available auto insurance discounts.

Some of the most popular types of car insurance discounts in Long Beach include:

  • Pay-in-Full Car Insurance Discount
  • Good Driver Insurance Discount
  • Multi-Vehicle Discount
  • Anti-Theft Device Car Insurance Discount
  • Good Student Discount
  • Low Mileage Car Insurance Discount
  • Loyalty Auto Insurance Discount
A typical day in Long Beach cityscape – Long Beach, cheap car insurance in California

Obtain Your Car Insurance Quote in Long Beach Today!

Find reliable yet affordable auto insurance with Acceptance Insurance. Get a free insurance quote online or call 877-405-7102. Better yet, visit us at a nearby office for a personal touch to your peace of mind. Secure your journey today!

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