Long Beach drivers face vehicle theft at more than twice the state rate, so comparing car insurance quotes here is well worth a few minutes.
How Much Does Car Insurance Cost in Long Beach?
Vehicle theft is a big local factor, with Long Beach police recording about 7 thefts per thousand residents in 2025 against a state average of about 3. Prop 103 says your driving record, annual mileage and years of experience count most, while your ZIP code, vehicle and coverage choices can also move the price.
| Factor | Long Beach | California |
|---|---|---|
| Average commute | 30 min | 29 min |
| Homes with 2+ cars | 53% | 63% |
| Car thefts per 1,000 | 7.1 | 3.2 |
| ZIP codes | 13 |
Why Long Beach Drivers Compare Quotes With A1
Carriers weigh the same driver and the same neighborhood differently, so quotes across 13 Long Beach ZIP codes can vary quite a bit. A1 is not tied to any single insurer; it compares several California carriers and the quote is free.
About Long Beach, California
Long Beach is a coastal city in southern Los Angeles County and the home of the Port of Long Beach, one of the busiest container ports in the United States. It is known for the Queen Mary, the Aquarium of the Pacific, the canals of Naples and the Grand Prix of Long Beach street race downtown.
- County
- Los Angeles County
- Population
- 458,491 (Census est.)
- Major routes
- I-405, I-710, I-605, SR-91
Driving in Long Beach: What to Know
Port traffic shapes driving in Long Beach. The I-710 carries a steady stream of big rigs between the docks and the inland rail yards, and the I-405 and I-605 interchanges are among the busiest in Southern California. Pacific Coast Highway runs right through town with lots of lights, cyclists and pedestrians, and downtown streets close every spring for the Grand Prix. Sharing the road with heavy trucks is a good reason to carry liability limits well above the state minimum.
The average commute is about 30 minutes, just above the state average of 29, and that time on the road adds to your annual mileage. About 68% of workers drive alone, and only about 4% take public transit. The I-405, I-710, I-605, SR-91 and Pacific Coast Highway all run through or near the city, so many drivers log steady freeway miles. About 9% of households have no vehicle, and about 53% have two or more, so street parking is shared and theft risk is worth weighing when you choose comprehensive coverage.
State highways through or near Long Beach:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Long Beach
The nearest DMV office is Long Beach DMV at 3700 East Willow Street, Long Beach, CA 90815, about 2 miles away. Traffic matters go to the Superior Court of California, County of Los Angeles.
Nearest DMV: Long Beach
3700 East Willow Street, Long Beach, CA 90815
About 1.9 miles from Long Beach
California Car Insurance Rules for Long Beach Drivers
California's minimum liability is 30/60/15, but it does not cover your own car, which matters when theft is common. Qualifying good drivers get at least a 20% Good Driver Discount, and insurers cannot use your credit score or gender to set rates.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Long Beach Neighborhoods, ZIP Codes and Nearby Areas
We quote drivers in every Long Beach neighborhood, including:
ZIP codes in Long Beach:
Nearby cities and communities:
More About Long Beach
Long Beach mixes a working port with a laid-back beach town, and the waterfront is where it shines. Check out:
- The Queen Mary. The legendary ocean liner, permanently docked in the harbor, with tours, restaurants and a hotel on board.
- Aquarium of the Pacific. Sharks, sea otters and a hands-on lorikeet aviary right on Rainbow Harbor.
- Naples and Belmont Shore. Gondola rides through the canals of Naples, then shopping and dinner along Second Street.
- The Grand Prix. Every April the streets downtown turn into a racetrack for the Grand Prix of Long Beach.
Long Beach Car Insurance FAQ
Should I get comprehensive coverage in Long Beach?
Comprehensive pays for theft, fire, flood and vandalism, and liability-only does not cover your own car. With local vehicle theft at about 7 per thousand residents, more than double the state rate, many drivers find it worth pricing.
Does my commute affect my insurance rate?
Yes, because annual mileage is one of the top factors under Prop 103. The average Long Beach commute is about 30 minutes, so tell carriers your real mileage, especially if you work from home.
What happens if I get caught driving without insurance?
A first offense is a $100 to $200 fine plus penalty assessments, and later offenses can mean impound. After a DUI or suspension you may also need an SR-22, which your insurer files with the DMV.