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Get Cheap Car Insurance in Long Beach, NY
We monitor insurance prices, helping the average driver in Long Beach save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Long Beach
The chart below shows the cheapest car insurance company in Long Beach for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Long Beach Insurer | Monthly Cost |
|---|---|
| Kemper | $106 |
| Plymouth Rock Assurance | $141 |
| Safeco Insurance | $151 |
| Geico | $158 |
Savings for Every Kind of Long Beach Driver
Based on our extensive insurance data, we know the average Long Beach driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $857 per year by choosing the right vehicle insurance company. Some Long Beach residents are paying out over $2,876 extra every year for auto insurance in Long Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Long Beach, NY Savings / Yr. |
|---|---|
$857 |
|
$547 |
|
$1,092 |
|
$1,105 |
|
$2,708 |
|
$906 |
|
$1,443 |
Long Beach Car Insurance vs. New York
People living in Long Beach pay an average of 18.60% more than the typical driver in the state. The average driver in Long Beach can expect to pay about $2,086 per year, or $2,876 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Long Beach for most people.
Car Insurance Prices by Long Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Long Beach?
The map shows insurance prices in and around Long Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $670 per year within the city boundaries, with insurance premiums ranging from a high of $3,274 to a low of $2,604. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northeast parts of Long Beach.Pick the Best Car Insurance Company for You in Long Beach
The best car insurance provider for most drivers in Long Beach
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $857 over the average Long Beach car insurance company.
The best car insurance provider for Long Beach drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $547 over the competition.
The best car insurance company for Long Beach drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,092 better than other car insurance companies.
The best auto insurance for Long Beach drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,105 less each year.
The least expensive car insurance company for new and young drivers in Long Beach
In Long Beach, Progressive costs young drivers $2,708 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Long Beach
Progressive gave the largest car insurance discounts to married couples, averaging $906 saved each year compared to an average Long Beach couple's premiums.
The cheapest car insurance in Long Beach for drivers with bad credit
The best Long Beach car insurance company for customer service
Nationwide was the best company for customer service in Long Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Long Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Long Beach driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Long Beach, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Long Beach
What Influences the Cost of Car Insurance in Long Beach?
On average, car insurance in Long Beach is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Long Beach is 52 minutes, which is far more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Long Beach are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Long Beach is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Long Beach is $174 per month for minimum coverage and $240 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Island Park: Insurance costs 1.18% less
- Hewlett Neck: Insurance costs 1.43% less
- Atlantic Beach: Insurance costs 0.70% less
- Hewlett Harbor: Insurance costs 2.85% more
- Woodsburgh: Insurance costs 2.75% more
- Oceanside: Insurance costs 2.43% less
- Hewlett Bay Park: Insurance costs 2.64% less
- East Rockaway: Insurance costs 3.44% less
- Lawrence: Insurance costs 0.52% more
- Lido Beach: Insurance costs 0.97% less
Cities with Similar Populations
- London: Insurance costs 26.63% less
- Saratoga Springs: Insurance costs 48.71% less
- Sandusky: Insurance costs 61.02% less
- Perry Hall: Insurance costs 30.98% less
- Oswego: Insurance costs 46.91% less
- Mount Pleasant: Insurance costs 5.53% less
- Maricopa: Insurance costs 35.43% less
- Madison: Insurance costs 45.20% less
- Los Altos: Insurance costs 30.11% less
- Schertz: Insurance costs 39.43% less