Cheapest and Best Car Insurance in Huntington Beach, CA (July 2024)

In Huntington Beach, the cheapest full coverage is offered by Progressive, while State Farm is the most affordable for families with teens, differing from GEICO, the lowest for minimum coverage. For superior service, Chubb stands out and also claims the top spot for overall best value, blending price and service effectively. Your ideal insurer should align with your coverage needs and personal preferences.

MoneyGeek found that GEICO is the cheapest option in Huntington Beach with their minimum coverage car insurance options.

• GEICO: $513 per year
• Mercury: $518 per year

Travelers, on the other hand, offer the most expensive minimum coverage policy in the city at $772 per year. This is in contrast to GEICO's $513 annual rate, highlighting the potential savings of $259 when you take the time to shop around for the cheapest car insurance.

In California, all cities, including Huntington Beach, must adhere to state law for minimum required car insurance coverage. The essentials are straightforward:

• $15,000 for bodily injury per person
• $30,000 for bodily injury per accident
• $5,000 for property damage liability per accident

Imagine you're insured with the minimum coverage and you're at fault in an accident. If you injure someone, your policy will pay up to $15,000 for their injuries and a total of $30,000 for injuries to all involved. However, should their medical bills exceed $15,000 or the combined expenses top $30,000, you'll be responsible for the excess costs out of pocket.

MoneyGeek found that Progressive offers the cheapest full coverage car insurance in Huntington Beach, giving you the most bang for your buck. Here's how the top contenders stack up:

• Progressive: $1,167 per year
• Mercury: $1,248 per year

Farmers has the most expensive full coverage policy in the city at $2,131 annually. Full coverage policies usually cost more because they offer comprehensive protection.

The full coverage policy offered for Huntington Beach residents offers $100,000 for bodily injury per individual, $300,000 for bodily injury per event and $100,000 for property damage per event. Succinctly, professionals refer to this as a 100/300/100 plan. Full coverage insurance policies encompass both comprehensive and collision coverage.

• Collision Insurance: This form safeguards your vehicle against the financial repercussions of colliding with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This feature offers compensation for vehicular damage arising from non-collision incidents, such as theft or natural calamities and being struck by an animal like a deer.

For owners of new vehicles, securing full coverage insurance is prudent. For older vehicle models, the additional expense incurred for extra protection may not be economically justified. The key to deciding how much car insurance you need depends on evaluating the higher costs associated with more extensive coverage versus the increased risk of not having enough coverage.

MoneyGeek found that Capital Insurance Group is the most affordable option for drivers in Huntington Beach with a poor driving record, offering competitive rates across various violations. When specific infractions are considered, the least expensive annual premiums for full coverage policies are:

• Speeding Ticket: Capital Insurance Group ($1,493 per year)
• At-fault accident: Capital Insurance Group ($1,733 per year)
• DUI: National General ($1,493 per year)

Travelers, Kemper and Hartford are the costliest insurers for these driving offenses, highlighting the vast discrepancies that can exist among insurance providers.

In Huntington Beach, as in many cities, auto insurance premiums typically escalate with the severity of a driver’s traffic violation due to the increased risk perceived by insurers. For instance, drivers with a single speeding ticket may see their annual insurance rates climb to around $2,148, while those convicted of a DUI could face premiums averaging $3,580.

MoneyGeek found that State Farm offers the most affordable full coverage car insurance in Huntington Beach for both male and female teens. Find the cheapest car insurance for teens and see how you could save.

• State Farm: $2,924 per year for female teens and $2,924 per year for male teens
• GEICO: $3,264 per year for female teens and $3,442 per year for male teens

These rates illustrate the cost of a policy covering two parents with a teen driver. Nationwide has the most expensive teen family policy in the area, with a premium of $4,895 per year for female teens.

In Huntington Beach, and across multiple cities, teenage drivers face significantly higher car insurance premiums when they opt for an individual policy, with an average individual annual premium of $4,441 compared to an average family annual premium of $3,716. The disparity in rates is mainly due to teenagers being considered high-risk drivers due to their lack of driving experience.

MoneyGeek found that Progressive is the cheapest option in Huntington Beach for those looking for the cheapest car insurance for military backgrounds. When searching for budget-friendly premiums, the following companies offer the most competitive rates:

• Progressive: $1,167 per year
• Mercury: $1,248 per year

Although USAA is not the cheapest in this comparison, with an annual rate of $1,250, it is noteworthy for its tailored services to active duty military members, ranking third in affordability for Huntington Beach residents with military backgrounds.

Use MoneyGeek's car insurance calculator to find car insurance rates in the area. By simply inputting your age, driving history, credit score, desired coverage level and other pertinent details, you can swiftly obtain a tailored rate estimate.

Finding the best auto insurance for you can be a balancing act of valuing service, cost, coverage and other variables. MoneyGeek has evaluated Huntington Beach's insurers with a unique scoring system for each key aspect to aid your selection:

• Best overall: Chubb (MoneyGeek score 84)
• Best for service: Chubb (MoneyGeek score 94)
• Best cheap: Mercury (MoneyGeek score 82)

Chubb emerges as the top option in Huntington Beach for superior service and competitive pricing, earning the highest scores in both the overall and service categories. Mercury stands out for its affordability combined with respectable service, making it an ideal choice for budget-conscious consumers.

MoneyGeek found that Chubb is the best option in Huntington Beach, offering premium car insurance for drivers looking for top-notch coverage and service. For those in search of the best car insurance, look no further than these two providers:

• Chubb: MoneyGeek score of 84 out of 100 ($1,738 per year)
• Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,472 per year)

Chubb has superior satisfaction and coverage scores, which are major components of the MoneyGeek score. These scores indicate an exceptional balance of customer happiness and quality of policy options.

Chubb is the premier choice for car insurance for customer service in Huntington Beach. The selection criteria include overall satisfaction, efficient claims handling and comprehensive coverages, exclusively focusing on performance without considering the rates.

• Chubb: MoneyGeek score of 94 out of 100 ($1,738 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,472 per year)

Chubb stands out for its exceptional claims process and coverage options which are the biggest contributors to its high MoneyGeek score.

MoneyGeek found that Mercury offers a balance of affordability and quality service.

• Mercury: MoneyGeek score of 82 out of 100 ($518 per year)
• GEICO: MoneyGeek score of 75 out of 100 ($513 per year)

Mercury is particularly good for those seeking a minimum coverage policy. The biggest contributors to Mercury's high MoneyGeek score are its impressive customer satisfaction and claims service, which, when combined with its affordable pricing, provide exceptional value to policyholders.

When comparing the average cost in Huntington Beach to the state average in California, there is a notable differentiation. The state-wide average car insurance cost stands at $1,387.

Car insurance premiums are influenced by many factors, with the location being important. Geographic location impacts insurance rates, due to variables such as accident rates, theft incidents, and urban versus rural traffic conditions. Illustrating this point, Santa Maria, identified as the city with the cheapest premium at $1,251, contrasts sharply with Glendale, which bears the distinction of being the most expensive at $2,433.