How Much Does Auto Insurance Cost in Long Beach, CA?
Long Beach pricing is 35% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Long Beach's diversified economy.See our methodology
Auto Insurance Pricing in Long Beach, CA
Long Beach is a high-cost market where auto insurance runs about 35% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 465K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in auto insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in Long Beach: higher cost of living in coastal areas; more affordable inland.
Long Beach has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Long Beach vs National Average
What Affects Auto Insurance Cost in Long Beach?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Long Beach Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
📐 Auto Insurance in Long Beach Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Auto Insurance Pros in Long Beach, CA
5 providersSummit Plumbing
🏆 SPONSOREDServing Long Beach and surrounding areas since 2019. Licensed, insured, and committed to quality workmanship at fair prices.
Heritage Roofing & Siding
⭐ PREMIUMServing Long Beach and surrounding areas since 2001. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Contractors
✅ VERIFIEDAre You a Auto Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for auto insurance in Long Beach, CA.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Auto Insurance in Long Beach
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Long Beach Cost Trends (2020–2024)
Prices have increased +18.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $206 | — |
| 2021 | $215 | +4.4% |
| 2022 | $229 | +6.5% |
| 2023 | $235 | +2.6% |
| 2024 | $243 | +3.4% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Long Beach
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Long Beach than other cities?
Long Beach's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Auto Insurance Cost in Nearby Cities
Related Cost Guides for Long Beach
Popular Services in Long Beach
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.