Long Beach is one of the most iconic cities in California. Even in a state absolutely brimming with cultural and historical significance, Long Beach is one of the most memorable places anyone can choose to live.
But living in Long Beach means driving around, especially if you want to take in all the sights or check out all the awesome local events. And if you’re driving around, you need to have the right car insurance.
What do you need to know about car insurance in Long Beach? Keep reading to discover our complete guide!
- The average car insurance cost in Long Beach is $2,002
- There were 38 traffic-related fatalities in Long Beach in 2019
Driving Conditions in Long Beach
How Many Fatal Accidents Happen in Long Beach?
Car insurance is very important because it can help to protect you against other drivers. As your mother might have once said, what you really have to worry about is the other people on the road!
With that in mind, some cities are safer to drive in than others. So how safe, exactly, is it to drive in Long Beach?
In 2019, there were 38 traffic fatalities in Long Beach spread across 36 car accidents. This is a slight increase over 2018 when there were only 34 fatalities spread across 32 accidents.
Generally speaking, this makes Long Beach a relatively safe major city to drive around. Just make sure that you have enough insurance to protect your key assets.
How Are the Road Infrastructure and Bridges in Long Beach?
Part of what makes cities safe and beautiful is the infrastructure. After all, a city that was once absolutely dazzling will soon look dilapidated and run down if the city doesn’t invest in the infrastructure.
In Long Beach, the local government is very committed to city infrastructure. They recently enacted a $150,049,000 infrastructure investment plan. This plan allocates considerable resources to improving streets, sidewalks, and alleys. It also commits significant resources to public safety, stormwater protection, water conservation, community facilities, and much more.
Minimum Car Insurance Requirements in Long Beach
When it comes to car insurance, an average question that drivers have is, “how much insurance do I need?” While only you can decide the insurance plans that are right for your budget and lifestyle, every state establishes minimum car insurance requirements that residents must meet.
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for property damage
Factors Allowed in Long Beach Car Insurance Rates
At some point, almost every driver asks a simple question: why does my insurance cost this much?
Insurance companies use several different factors to determine exactly how much your monthly premium is. And different states can decide which factors these companies can (and can’t) use.
So, what factors are allowed in California to determine your Long Beach insurance rates?
- Education & occupation
- Marital status
Unlike in many other states, the following factors cannot be used to determine how much your insurance costs:
- Credit score
Discounts for Car Insurance in Long Beach?
If you’re looking to save money on car insurance, you can always call different carriers and get some quotes. Beyond that, though, one of the best ways to save money on your car insurance is to check out any special discounts that may be available.
Different insurance companies can offer special discounts related to your driving behaviors, car features, and more. Below is a partial list of discounts that may be available from your carrier: we recommend contacting the carrier directly to see what exact discounts are available.
- Discount for safe driving
- Discount for insuring multiple vehicles
- Discount for installing anti-theft devices
- Discount for being a college student
- Discount for military service
- Discount for having multiple policies with the same carrier
- Discounts for being mature, retired, or a senior citizen
What Are the Penalties for Driving Without Insurance in Long Beach?
In Long Beach and the rest of California, you must have automobile insurance if you drive a car. But what happens to you if you are caught driving without coverage?
For the first offense, uninsured drivers can expect to pay fines ranging from $100-$200. At the discretion of the court, there may be additional consequences. If there is a second offense within three years of the first offense, you can expect to pay fines ranging from $200-$500. Once more, the court may assign additional fines and penalties at their discretion.