Cheapest and Best Car Insurance in Huntington Beach, CA (2023)

Based on the latest quotes collected for 2023, GEICO offers the cheapest rate for a minimum coverage policy in Huntington Beach, CA. It’s also the best overall company in the city, balancing affordability and quality service.

The most affordable car insurance depends on personal driver profile and needs. In Huntington Beach, the cheapest widely available company for minimum and full coverage policies is GEICO. State Farm is the cheapest for teens on family policies. Military drivers may find the lowest rates from USAA.

If you have a speeding ticket or DUI in your driving record, National General is the cheapest for you. Capital Insurance has the most affordable policies for drivers who have been in at-fault accidents.

Considering all factors, GEICO is the best overall company in the city. For customer service, Chubb is the top pick.

Cheapest + BestCar InsuranceHuntington

2023

Cheapest and Best Car Insurance in Huntington Beach

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Huntington Beach

The cheapest car insurance companies in Huntington Beach for a minimum coverage policy are:

GEICO: $449 per year
Mercury: $501 per year

For a policy that only meets the minimum coverage limit requirements, Chubb has the most expensive average annual rate at $747.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$434	$36
GEICO	$444	$37
GEICO	$449	$37
Mercury	$501	$42
AAA California	$510	$43
Mercury	$513	$43
GEICO	$530	$44
AAA California	$535	$45
Progressive	$536	$45
Progressive	$543	$45
State Farm	$572	$48
Nationwide	$577	$48
Nationwide	$599	$50
Travelers	$604	$50
Travelers	$604	$50
State National	$615	$51
Mercury	$629	$52
State National	$632	$53
Progressive	$639	$53
Kemper	$642	$54
Hartford	$643	$54
AAA California	$651	$54
State Farm	$654	$55
Capital Insurance Group	$688	$57
Travelers	$689	$57
Allstate	$691	$58
Farmers	$699	$58
Allstate	$699	$58
Capital Insurance Group	$714	$60
Farmers	$718	$60
National General	$725	$60
Hartford	$739	$62
Kemper	$741	$62
State National	$746	$62
Chubb	$747	$62
National General	$747	$62
Allstate	$751	$63
Nationwide	$752	$63
Chubb	$771	$64
Capital Insurance Group	$798	$67
Farmers	$815	$68
National General	$897	$75
Hartford	$964	$80
State Farm	$978	$81
Kemper	$981	$82
Chubb	$1,068	$89
GEICO	$1,073	$89
GEICO	$1,107	$92
Allstate	$1,130	$94
Mercury	$1,131	$94
Progressive	$1,134	$95
Progressive	$1,138	$95
AAA California	$1,138	$95
AAA California	$1,140	$95
Mercury	$1,145	$95
Allstate	$1,183	$99
National General	$1,188	$99
National General	$1,206	$101
Nationwide	$1,250	$104
State Farm	$1,257	$105
GEICO	$1,281	$107
Allstate	$1,303	$109
Hartford	$1,329	$111
State National	$1,335	$111
Nationwide	$1,350	$112
Progressive	$1,367	$114
Capital Insurance Group	$1,375	$115
State National	$1,432	$119
National General	$1,444	$120
Travelers	$1,451	$121
Capital Insurance Group	$1,452	$121
State Farm	$1,466	$122
Mercury	$1,481	$123
AAA California	$1,497	$125
Travelers	$1,503	$125
Hartford	$1,533	$128
Kemper	$1,583	$132
Capital Insurance Group	$1,637	$136
Farmers	$1,673	$139
Farmers	$1,706	$142
Chubb	$1,738	$145
Nationwide	$1,751	$146
State National	$1,759	$147
Travelers	$1,779	$148
Chubb	$1,796	$150
Kemper	$1,937	$161
Hartford	$2,001	$167
Farmers	$2,018	$168
Kemper	$2,370	$197
Chubb	$2,557	$213

Californians are required to carry minimum coverage insurance limits for bodily injury and property damage. California law sets minimum coverage at the following limits:

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

Liability-only coverage pays for damages sustained by the other driver and any of their passengers in an accident. Suppose you're at fault in an accident; if you have a minimum coverage policy, your insurance company would cover medical costs up to $15,000 per victim, for a total of up to $30,000 per accident. You would have to pay out of pocket for any remaining expenses.

Cheapest Full Coverage Car Insurance in Huntington Beach

For a full coverage policy, the most affordable options in Huntington Beach are:

GEICO: $1,107 per year
Progressive: $1,134 per year

With an average annual rate of $1,738, Chubb is the most expensive auto insurance company for a full coverage policy in Huntington Beach.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$434	$36
GEICO	$444	$37
GEICO	$449	$37
Mercury	$501	$42
AAA California	$510	$43
Mercury	$513	$43
GEICO	$530	$44
AAA California	$535	$45
Progressive	$536	$45
Progressive	$543	$45
State Farm	$572	$48
Nationwide	$577	$48
Nationwide	$599	$50
Travelers	$604	$50
Travelers	$604	$50
State National	$615	$51
Mercury	$629	$52
State National	$632	$53
Progressive	$639	$53
Kemper	$642	$54
Hartford	$643	$54
AAA California	$651	$54
State Farm	$654	$55
Capital Insurance Group	$688	$57
Travelers	$689	$57
Allstate	$691	$58
Farmers	$699	$58
Allstate	$699	$58
Capital Insurance Group	$714	$60
Farmers	$718	$60
National General	$725	$60
Hartford	$739	$62
Kemper	$741	$62
State National	$746	$62
Chubb	$747	$62
National General	$747	$62
Allstate	$751	$63
Nationwide	$752	$63
Chubb	$771	$64
Capital Insurance Group	$798	$67
Farmers	$815	$68
National General	$897	$75
Hartford	$964	$80
State Farm	$978	$81
Kemper	$981	$82
Chubb	$1,068	$89
GEICO	$1,073	$89
GEICO	$1,107	$92
Allstate	$1,130	$94
Mercury	$1,131	$94
Progressive	$1,134	$95
Progressive	$1,138	$95
AAA California	$1,138	$95
AAA California	$1,140	$95
Mercury	$1,145	$95
Allstate	$1,183	$99
National General	$1,188	$99
National General	$1,206	$101
Nationwide	$1,250	$104
State Farm	$1,257	$105
GEICO	$1,281	$107
Allstate	$1,303	$109
Hartford	$1,329	$111
State National	$1,335	$111
Nationwide	$1,350	$112
Progressive	$1,367	$114
Capital Insurance Group	$1,375	$115
State National	$1,432	$119
National General	$1,444	$120
Travelers	$1,451	$121
Capital Insurance Group	$1,452	$121
State Farm	$1,466	$122
Mercury	$1,481	$123
AAA California	$1,497	$125
Travelers	$1,503	$125
Hartford	$1,533	$128
Kemper	$1,583	$132
Capital Insurance Group	$1,637	$136
Farmers	$1,673	$139
Farmers	$1,706	$142
Chubb	$1,738	$145
Nationwide	$1,751	$146
State National	$1,759	$147
Travelers	$1,779	$148
Chubb	$1,796	$150
Kemper	$1,937	$161
Hartford	$2,001	$167
Farmers	$2,018	$168
Kemper	$2,370	$197
Chubb	$2,557	$213

Comprehensive and collision insurance are included as part of a full coverage policy.

Collision Insurance: If you're at fault in an accident, this coverage pays for the repair or replacement of your own car.
Comprehensive Insurance: Covers the cost of repairing or replacing your car if it's damaged by vandalism, theft or natural disasters.

If you have an older vehicle that's low in value, a full coverage policy might not be worth it.

Cheapest Car Insurance in Huntington Beach After a Driving Offense

If you have the following driving violations in Huntington Beach, MoneyGeek recommends these companies for the cheapest policies:

Speeding ticket: National General ($1,248 per year)
At-fault accident: Capital Insurance Group ($1,706 per year)
DUI: National General ($1,248 per year)

Meanwhile, the most expensive options are Farmers ($2,357 per year) after a speeding ticket, Kemper ($3,502 per year) after an at-fault accident and Hartford ($5,618 per year) after a DUI.

A traffic violation can have a significant impact on your car insurance rate. The cheapest rates for drivers with poor records usually won’t be as cheap as the rates for drivers with good records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Mercury	$644	$54
State Farm	$659	$55
Mercury	$661	$55
GEICO	$678	$57
AAA California	$681	$57
GEICO	$685	$57
State Farm	$688	$57
AAA California	$713	$59
Capital Insurance Group	$763	$64
National General	$765	$64
National General	$765	$64
National General	$790	$66
National General	$790	$66
Capital Insurance Group	$791	$66
GEICO	$794	$66
Capital Insurance Group	$797	$66
GEICO	$803	$67
Mercury	$807	$67
GEICO	$808	$67
Mercury	$813	$68
AAA California	$813	$68
Capital Insurance Group	$827	$69
Mercury	$828	$69
AAA California	$853	$71
Kemper	$856	$71
State Farm	$870	$72
AAA California	$871	$73
State National	$871	$73
State National	$871	$73
Capital Insurance Group	$889	$74
Nationwide	$891	$74
State National	$897	$75
State National	$897	$75
Mercury	$897	$75
State Farm	$909	$76
Mercury	$921	$77
Nationwide	$926	$77
Capital Insurance Group	$929	$77
Hartford	$933	$78
Hartford	$933	$78
Travelers	$936	$78
Travelers	$936	$78
GEICO	$947	$79
National General	$948	$79
National General	$948	$79
Farmers	$954	$80
Farmers	$954	$80
Chubb	$961	$80
Progressive	$968	$81
Allstate	$968	$81
Farmers	$980	$82
Farmers	$980	$82
Allstate	$981	$82
Progressive	$983	$82
Chubb	$983	$82
Kemper	$989	$82
Nationwide	$991	$83
State Farm	$993	$83
Mercury	$1,018	$85
Nationwide	$1,031	$86
State Farm	$1,038	$87
AAA California	$1,042	$87
Travelers	$1,046	$87
Travelers	$1,047	$87
Allstate	$1,059	$88
State National	$1,062	$89
State National	$1,062	$89
Progressive	$1,069	$89
Travelers	$1,079	$90
GEICO	$1,082	$90
Hartford	$1,086	$91
Hartford	$1,086	$91
Progressive	$1,086	$91
National General	$1,092	$91
GEICO	$1,095	$91
Farmers	$1,114	$93
Farmers	$1,114	$93
Allstate	$1,116	$93
National General	$1,126	$94
Allstate	$1,132	$94
Mercury	$1,136	$95
Progressive	$1,166	$97
Chubb	$1,166	$97
Progressive	$1,166	$97
Nationwide	$1,167	$97
Chubb	$1,189	$99
Progressive	$1,190	$99
Farmers	$1,192	$99
Capital Insurance Group	$1,197	$100
Travelers	$1,205	$100
Allstate	$1,224	$102
Farmers	$1,224	$102
Capital Insurance Group	$1,242	$104
National General	$1,248	$104
National General	$1,248	$104
Travelers	$1,262	$105
Travelers	$1,262	$105
National General	$1,268	$106
National General	$1,268	$106
Chubb	$1,282	$107
Progressive	$1,290	$107
GEICO	$1,294	$108
Nationwide	$1,303	$109
Kemper	$1,310	$109
National General	$1,354	$113
State Farm	$1,357	$113
Farmers	$1,391	$116
Capital Insurance Group	$1,397	$116
Progressive	$1,413	$118
Hartford	$1,445	$120
Hartford	$1,445	$120
State Farm	$1,454	$121
Travelers	$1,460	$122
Kemper	$1,463	$122
Kemper	$1,463	$122
AAA California	$1,472	$123
AAA California	$1,476	$123
Mercury	$1,485	$124
Chubb	$1,488	$124
Mercury	$1,507	$126
Chubb	$1,509	$126
National General	$1,518	$127
National General	$1,518	$127
State Farm	$1,523	$127
Chubb	$1,531	$128
Capital Insurance Group	$1,570	$131
State National	$1,574	$131
Nationwide	$1,577	$131
Capital Insurance Group	$1,611	$134
GEICO	$1,612	$134
State National	$1,623	$135
Allstate	$1,638	$137
Nationwide	$1,639	$137
GEICO	$1,661	$138
Capital Insurance Group	$1,663	$139
Capital Insurance Group	$1,706	$142
Allstate	$1,717	$143
AAA California	$1,736	$145
AAA California	$1,742	$145
AAA California	$1,761	$147
National General	$1,766	$147
Kemper	$1,780	$148
Kemper	$1,780	$148
State Farm	$1,793	$149
National General	$1,794	$150
GEICO	$1,813	$151
Chubb	$1,830	$152
AAA California	$1,850	$154
Mercury	$1,858	$155
GEICO	$1,866	$156
State Farm	$1,872	$156
Capital Insurance Group	$1,877	$156
Mercury	$1,887	$157
State National	$1,898	$158
State National	$1,898	$158
Allstate	$1,901	$158
Capital Insurance Group	$1,923	$160
GEICO	$1,925	$160
State National	$1,933	$161
Nationwide	$1,936	$161
AAA California	$1,939	$162
Mercury	$1,953	$163
State Farm	$1,959	$163
Hartford	$1,980	$165
Hartford	$1,980	$165
Mercury	$2,002	$167
Allstate	$2,009	$167
Allstate	$2,013	$168
Mercury	$2,030	$169
State National	$2,037	$170
State National	$2,037	$170
Allstate	$2,044	$170
State Farm	$2,046	$171
Nationwide	$2,078	$173
Nationwide	$2,093	$174
Kemper	$2,105	$175
Allstate	$2,115	$176
Progressive	$2,137	$178
Progressive	$2,146	$179
National General	$2,151	$179
Nationwide	$2,157	$180
GEICO	$2,164	$180
State Farm	$2,181	$182
Allstate	$2,218	$185
Travelers	$2,225	$185
Kemper	$2,243	$187
Kemper	$2,243	$187
Hartford	$2,251	$188
AAA California	$2,267	$189
Chubb	$2,278	$190
State Farm	$2,284	$190
AAA California	$2,285	$190
Hartford	$2,297	$191
Hartford	$2,297	$191
Travelers	$2,298	$192
Farmers	$2,310	$193
Farmers	$2,310	$193
Nationwide	$2,333	$194
Chubb	$2,335	$195
Progressive	$2,336	$195
Allstate	$2,349	$196
Progressive	$2,350	$196
Farmers	$2,357	$196
Farmers	$2,357	$196
Mercury	$2,443	$204
Capital Insurance Group	$2,458	$205
Travelers	$2,486	$207
State National	$2,504	$209
State National	$2,504	$209
Travelers	$2,564	$214
GEICO	$2,575	$215
Kemper	$2,577	$215
Progressive	$2,590	$216
Capital Insurance Group	$2,604	$217
Mercury	$2,626	$219
Progressive	$2,649	$221
GEICO	$2,654	$221
Hartford	$2,661	$222
Progressive	$2,671	$223
Nationwide	$2,724	$227
Travelers	$2,738	$228
Farmers	$2,788	$232
Farmers	$2,788	$232
Chubb	$2,797	$233
Progressive	$2,835	$236
Chubb	$2,854	$238
Farmers	$2,888	$241
Capital Insurance Group	$2,937	$245
Farmers	$2,946	$245
State Farm	$3,006	$250
Hartford	$3,026	$252
Hartford	$3,026	$252
Nationwide	$3,041	$253
Travelers	$3,059	$255
GEICO	$3,077	$256
Travelers	$3,082	$257
Chubb	$3,097	$258
Kemper	$3,156	$263
Travelers	$3,190	$266
Progressive	$3,221	$268
Nationwide	$3,430	$286
Farmers	$3,485	$290
Kemper	$3,502	$292
Kemper	$3,502	$292
State National	$3,536	$295
AAA California	$3,546	$296
AAA California	$3,554	$296
Allstate	$3,563	$297
Chubb	$3,617	$301
Hartford	$3,633	$303
Chubb	$3,665	$305
Nationwide	$3,715	$310
Chubb	$3,721	$310
Allstate	$3,748	$312
State National	$3,800	$317
Travelers	$3,830	$319
State Farm	$3,871	$323
Allstate	$4,163	$347
Kemper	$4,419	$368
Kemper	$4,419	$368
Chubb	$4,485	$374
State Farm	$4,508	$376
AAA California	$4,671	$389
State National	$4,689	$391
Hartford	$4,798	$400
Nationwide	$4,859	$405
Kemper	$5,262	$438
Kemper	$5,262	$438
Hartford	$5,618	$468
Hartford	$7,525	$627

Insurance premiums tend to increase along with the severity of the traffic violation. In Huntington Beach, drivers convicted of a DUI can expect to pay $1358 more for car insurance than drivers with a speeding ticket on their record.

Although violations can increase auto insurance premiums, shopping around and comparing policy offers can help you find cheap auto insurance for drivers with a bad driving record.

Cheapest Car Insurance in Huntington Beach for Teens and Their Families

The following insurers offer the most affordable rates for teens on family policies in Huntington Beach:

State Farm: $2,923 per year
Farmers: $3,129 per year

Nationwide has the most expensive rates in the city, costing an average of $4,985 per year for 16-year-olds.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,442	$2,325
GEICO	$1,477	$2,380
GEICO	$1,479	$2,621
GEICO	$1,496	$2,500
GEICO	$1,513	$2,438
GEICO	$1,521	$2,694
GEICO	$1,542	$2,847
GEICO	$1,562	$2,767
Nationwide	$1,701	$3,524
Nationwide	$1,701	$3,524
GEICO	$1,713	$2,567
Progressive	$1,756	$2,803
Progressive	$1,756	$2,803
Allstate	$1,761	$2,840
Allstate	$1,761	$2,840
GEICO	$1,769	$2,932
Allstate	$1,843	$2,973
Allstate	$1,843	$2,973
Capital Insurance Group	$1,851	$2,369
Capital Insurance Group	$1,851	$2,369
Nationwide	$1,866	$3,864
Nationwide	$1,866	$3,864
Allstate	$1,890	$3,303
Allstate	$1,890	$3,303
Progressive	$1,901	$3,035
Progressive	$1,901	$3,035
Allstate	$1,910	$3,080
Allstate	$1,910	$3,080
Nationwide	$1,925	$4,420
Nationwide	$1,925	$4,420
Nationwide	$2,000	$4,142
Nationwide	$2,000	$4,142
State Farm	$2,018	$2,962
State Farm	$2,018	$2,962
Allstate	$2,026	$3,318
Allstate	$2,026	$3,318
Progressive	$2,034	$3,750
Progressive	$2,034	$3,750
Kemper	$2,061	$4,157
Kemper	$2,061	$4,157
State Farm	$2,100	$3,082
State Farm	$2,100	$3,082
Capital Insurance Group	$2,107	$2,806
Capital Insurance Group	$2,107	$2,806
Progressive	$2,130	$3,400
Progressive	$2,130	$3,400
State Farm	$2,136	$3,343
State Farm	$2,136	$3,343
Farmers	$2,143	$3,062
Farmers	$2,143	$3,062
State Farm	$2,148	$3,153
State Farm	$2,148	$3,153
Travelers	$2,164	$2,965
Travelers	$2,164	$2,965
Kemper	$2,176	$4,390
Kemper	$2,176	$4,390
Capital Insurance Group	$2,193	$2,806
Capital Insurance Group	$2,193	$2,806
Capital Insurance Group	$2,193	$2,806
Capital Insurance Group	$2,193	$2,806
GEICO	$2,204	$3,732
Travelers	$2,240	$3,069
Travelers	$2,240	$3,069
Nationwide	$2,253	$4,845
Nationwide	$2,253	$4,845
Travelers	$2,286	$3,294
Travelers	$2,286	$3,294
State Farm	$2,289	$3,408
State Farm	$2,289	$3,408
Kemper	$2,290	$5,162
Kemper	$2,290	$5,162
GEICO	$2,291	$4,304
Allstate	$2,324	$4,229
Allstate	$2,324	$4,229
Travelers	$2,335	$3,199
Travelers	$2,335	$3,199
Allstate	$2,362	$3,868
Allstate	$2,362	$3,868
Kemper	$2,367	$4,775
Kemper	$2,367	$4,775
Farmers	$2,400	$3,551
Farmers	$2,400	$3,551
GEICO	$2,411	$3,614
State Farm	$2,430	$3,795
State Farm	$2,430	$3,795
Capital Insurance Group	$2,448	$3,156
Capital Insurance Group	$2,448	$3,156
State Farm	$2,452	$3,651
State Farm	$2,452	$3,651
Farmers	$2,485	$3,551
Farmers	$2,485	$3,551
Farmers	$2,485	$3,551
Farmers	$2,485	$3,551
GEICO	$2,507	$4,155
Progressive	$2,522	$4,113
Progressive	$2,522	$4,113
Capital Insurance Group	$2,537	$3,156
Capital Insurance Group	$2,537	$3,156
Travelers	$2,550	$3,457
Travelers	$2,550	$3,457
Kemper	$2,653	$5,473
Kemper	$2,653	$5,473
Farmers	$2,684	$4,072
Farmers	$2,684	$4,072
State Farm	$2,700	$4,813
State Farm	$2,700	$4,813
Capital Insurance Group	$2,717	$3,504
Capital Insurance Group	$2,717	$3,504
Travelers	$2,767	$3,989
Travelers	$2,767	$3,989
Nationwide	$2,777	$6,698
Nationwide	$2,777	$6,698
Travelers	$2,810	$3,810
Travelers	$2,810	$3,810
State Farm	$2,863	$5,102
State Farm	$2,863	$5,102
Kemper	$2,873	$5,928
Kemper	$2,873	$5,928
Kemper	$2,898	$6,536
Kemper	$2,898	$6,536
Farmers	$2,901	$4,690
Farmers	$2,901	$4,690
State Farm	$2,923	$5,717
State Farm	$2,923	$5,717
Farmers	$2,928	$4,442
Farmers	$2,928	$4,442
Nationwide	$2,962	$6,369
Nationwide	$2,962	$6,369
GEICO	$3,045	$5,397
Farmers	$3,054	$6,043
Farmers	$3,054	$6,043
Allstate	$3,101	$6,082
Allstate	$3,101	$6,082
Farmers	$3,129	$6,320
Farmers	$3,129	$6,320
Farmers	$3,139	$6,211
Farmers	$3,139	$6,211
Progressive	$3,145	$5,821
Progressive	$3,145	$5,821
GEICO	$3,192	$6,273
Allstate	$3,211	$6,407
Allstate	$3,211	$6,407
GEICO	$3,264	$6,026
Allstate	$3,266	$6,407
Allstate	$3,266	$6,407
Progressive	$3,342	$5,450
Progressive	$3,342	$5,450
GEICO	$3,348	$5,935
GEICO	$3,442	$7,092
Capital Insurance Group	$3,488	$4,337
Capital Insurance Group	$3,488	$4,337
Capital Insurance Group	$3,488	$4,337
Capital Insurance Group	$3,488	$4,337
Capital Insurance Group	$3,488	$4,337
Capital Insurance Group	$3,488	$4,337
GEICO	$3,524	$6,927
Progressive	$3,629	$7,400
Progressive	$3,629	$7,400
Progressive	$3,652	$7,465
Progressive	$3,652	$7,465
Progressive	$3,667	$7,477
Progressive	$3,667	$7,477
Travelers	$3,699	$5,030
Travelers	$3,699	$5,030
Travelers	$3,864	$5,254
Travelers	$3,864	$5,254
Travelers	$3,872	$5,514
Travelers	$3,872	$5,514
Nationwide	$4,218	$9,055
Nationwide	$4,218	$9,055
Kemper	$4,372	$8,924
Kemper	$4,372	$8,924
Nationwide	$4,743	$10,181
Nationwide	$4,743	$10,181
Kemper	$4,789	$9,777
Kemper	$4,789	$9,777
Kemper	$4,833	$10,898
Kemper	$4,833	$10,898
Nationwide	$4,895	$12,288
Nationwide	$4,895	$12,288

When looking for cheap auto insurance for teenagers, it’s best to consider family plans. In most cases, buying an individual policy is much more expensive for teens. The average cost of an individual policy for a teen driver in Huntington Beach is $4,498 per year. Meanwhile, adding them to a family policy will cost an average of $3,825 per year. That’s a $673 difference.

Cheapest Car Insurance in Huntington Beach for Military Drivers

The following companies offer the most affordable full coverage policies for drivers with a military background and their families in Huntington Beach:

USAA: $917 per year
GEICO: $1,107 per year

For minimum coverage, the cheapest car insurance for military drivers in the city is also from USAA ($403 per year) and GEICO ($449 per year).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$403	$34
USAA	$403	$34
State Farm	$434	$36
GEICO	$444	$37
GEICO	$449	$37
USAA	$487	$41
Mercury	$501	$42
AAA California	$510	$43
Mercury	$513	$43
GEICO	$530	$44
AAA California	$535	$45
Progressive	$536	$45
Progressive	$543	$45
State Farm	$572	$48
Nationwide	$577	$48
Nationwide	$599	$50
Travelers	$604	$50
Travelers	$604	$50
State National	$615	$51
Mercury	$629	$52
State National	$632	$53
Progressive	$639	$53
Kemper	$642	$54
Hartford	$643	$54
AAA California	$651	$54
State Farm	$654	$55
Capital Insurance Group	$688	$57
Travelers	$689	$57
Allstate	$691	$58
Farmers	$699	$58
Allstate	$699	$58
Capital Insurance Group	$714	$60
Farmers	$718	$60
National General	$725	$60
Hartford	$739	$62
Kemper	$741	$62
State National	$746	$62
Chubb	$747	$62
National General	$747	$62
Allstate	$751	$63
Nationwide	$752	$63
Chubb	$771	$64
Capital Insurance Group	$798	$67
Farmers	$815	$68
USAA	$897	$75
National General	$897	$75
USAA	$917	$76
Hartford	$964	$80
State Farm	$978	$81
Kemper	$981	$82
Chubb	$1,068	$89
GEICO	$1,073	$89
USAA	$1,096	$91
GEICO	$1,107	$92
Allstate	$1,130	$94
Mercury	$1,131	$94
Progressive	$1,134	$95
AAA California	$1,138	$95
Progressive	$1,138	$95
AAA California	$1,140	$95
Mercury	$1,145	$95
Allstate	$1,183	$99
National General	$1,188	$99
National General	$1,206	$101
Nationwide	$1,250	$104
State Farm	$1,257	$105
GEICO	$1,281	$107
Allstate	$1,303	$109
Hartford	$1,329	$111
State National	$1,335	$111
Nationwide	$1,350	$112
Progressive	$1,367	$114
Capital Insurance Group	$1,375	$115
State National	$1,432	$119
National General	$1,444	$120
Travelers	$1,451	$121
Capital Insurance Group	$1,452	$121
State Farm	$1,466	$122
Mercury	$1,481	$123
AAA California	$1,497	$125
Travelers	$1,503	$125
Hartford	$1,533	$128
Kemper	$1,583	$132
Capital Insurance Group	$1,637	$136
Farmers	$1,673	$139
Farmers	$1,706	$142
Chubb	$1,738	$145
Nationwide	$1,751	$146
State National	$1,759	$147
Travelers	$1,779	$148
Chubb	$1,796	$150
Kemper	$1,937	$161
Hartford	$2,001	$167
Farmers	$2,018	$168
Kemper	$2,370	$197
Chubb	$2,557	$213

How to Compare Cheap Huntington Beach Car Insurance Quotes Online

Getting a quote online in Huntington Beach, CA might take 15 minutes or more as you'll have to fill out a lot of personal information.

You can save time and effort with MoneyGeek's car insurance calculator. By providing only your age, car type, coverage level and driving record, you can get an idea of how much your insurance will cost.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Huntington Beach: Summary

The best car insurance for you will always depend on your preferences for cost, service quality, coverage and other factors.

MoneyGeek found that the following companies offer the best auto insurance in Huntington Beach, CA:

Best overall: GEICO (MoneyGeek score 75 out of 100)
Best for service: Chubb (MoneyGeek score 76 out of 100)
Best cheap: GEICO (MoneyGeek score 78 out of 100)

Overall MoneyGeek scores may vary depending on how factors are weighted differently in each category. Location is also an important factor that insurance companies consider when calculating rates, affecting affordability scores. The best car insurance in California is AAA California, which has an average rate of $1,001 per year.

For Huntington Beach drivers who have a military background or are from military families, USAA is an ideal option. The company received a MoneyGeek score of 85 out of 100 and has an average annual rate of $917.

Best Overall Car Insurance in Huntington Beach

Based on affordability, service quality and other relevant factors, MoneyGeek found the following car insurance companies to be the best options in Huntington Beach:

GEICO: MoneyGeek score of 75 out of 100 ($1,107 per year)
Progressive: MoneyGeek score of 73 out of 100 ($1,134 per year)

Receiving a perfect affordability score and a high customer satisfaction rating, GEICO is the top pick for Huntington Beach drivers. This means policyholders can expect a balance of cost and quality service.

For active-duty military members, veterans and eligible family members, another great option is USAA. The company received a MoneyGeek score of 85 and offers an even more affordable rate, averaging $917 per year.

How was this MoneyGeek score calculated?

pros

Cheapest widely available option

High customer satisfaction rating

Offers roadside assistance and mechanical breakdown insurance

cons

Low claims management rating

Doesn’t provide some common coverages like deductible modification and gap insurance

COMPANY HIGHLIGHTS

Affordability is one of the main reasons that GEICO stands out among its competitors in Huntington Beach. It offers the cheapest rate among the widely available car insurance companies we evaluated.

The company offers several optional coverages, which allow policyholders to get more protection based on their needs. One such option, Mechanical Breakdown Insurance, covers damage to all auto parts and systems beyond those listed by most dealer warranties. This is a good addition for drivers whose cars are less than 15 months old and have under 15,000 miles.

GEICO policyholders who have the roadside assistance add-on can expect coverage for the cost of emergency services, including changing flat tires, towing, jump-starting the vehicle and lockout services.

GEICO also received a high customer satisfaction rating compared to competitors in Huntington Beach, CA, making it a great option for individuals who value a balance of quality service and affordability.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Huntington Beach for Customer Service

The top two companies in Huntington Beach for service quality, regardless of cost, are:

Chubb: MoneyGeek score of 76 out of 100 ($1,738 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,452 per year)

Chubb scored the highest for claims management and received the second-highest rating for customer satisfaction. Although the company has the most expensive car insurance rate in the city, it provides good service and an efficient claims process.

How was this MoneyGeek score calculated?

pros

Ranked #1 for claims management out of 15 insurers

Received second-highest customer satisfaction score

Offers Original Equipment Manufacturer (OEM) coverage, diminished value coverage and rental car reimbursement

cons

Has an average coverage score

Doesn’t offer some of the most common coverages, like roadside assistance and accident forgiveness

COMPANY HIGHLIGHTS

Chubb received the highest MoneyGeek score for customer service, mainly driven by high claims management and customer satisfaction ratings. Despite having limited coverage options, the company offers some rare add-ons like the Original Equipment Manufacturer (OEM) and diminished value coverage.

With OEM coverage, policyholders can expect the insurer to pay for the cost of original parts in the event of a covered accident, ensuring that original parts and systems are used during repairs. The diminished value coverage, called the Agreed Value coverage, allows the policyholder and the insurance company to determine the vehicle's value when the policy is written. Chubb will then pay the agreed-upon amount should the car get stolen or totaled.

Chubb also provides rental car reimbursement coverage, one of the most common add-on coverages for auto insurance. With this coverage, the policyholder will be reimbursed for the cost of a rental car while the covered vehicle is undergoing repairs. You can get up to a $5,000 limit for this coverage.

Best Cheap Car Insurance Companies in Huntington Beach

MoneyGeek analyzed costs and service quality for various insurance companies and determined that the best companies in Huntington Beach for policies that only meet California’s minimum coverage requirements are:

GEICO: MoneyGeek score of 78 out of 100 ($449 per year)
Mercury: MoneyGeek score of 67 out of 100 (501 per year)

Generally, the most affordable minimum coverage policies in the city have the lowest rates. However, they also offer the least amount of liability protection. A minimum liability-only policy also doesn’t provide protection against damages to your own vehicle.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $449 per year

Offers bundling, safe driving and affinity discounts

Ranked #1 for affordability

Has a high customer satisfaction rating

cons

Has a below average claims management rating

Doesn’t offer some common discounts like good student, paperless and pay in full

COMPANY HIGHLIGHTS

GEICO ranked first for affordability out of the Huntington Beach providers that we evaluated, receiving a perfect score. The company offers the cheapest rate for a minimum coverage policy in the city, and its customer satisfaction score is also high, meaning that it received fewer customer complaints compared to some competitors.

Furthermore, policyholders can take advantage of various savings opportunities. For example, you can get a discount if you bundle your auto insurance policy with other types of insurance like home, renters, condo and mobile home. If you remain accident free for five years, you’ll also qualify for a significant discount.

The company also provides less common discounts based on driver profiles. If you’re a member of a partner organization, you may be eligible to get the affinity discount. Military personnel, teachers and federal employees may also be able to further lower their car insurance rates.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Huntington Beach

The average cost of car insurance in Huntington Beach is $1,349 per year, which is $38 less than the average cost of auto insurance in California and $84 more than the national average premium. Your location significantly affects your insurance cost (as of October 2022).

These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance in Huntington Beach, CA (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Huntington Beach

Cheapest Full Coverage Car Insurance in Huntington Beach

Cheapest Car Insurance in Huntington Beach After a Driving Offense

Cheapest Car Insurance in Huntington Beach for Teens and Their Families

Cheapest Car Insurance in Huntington Beach for Military Drivers

How to Compare Cheap Huntington Beach Car Insurance Quotes Online

Best Car Insurance in Huntington Beach: Summary

Best Overall Car Insurance in Huntington Beach

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Huntington Beach for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Huntington Beach

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Huntington Beach