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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.

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2023

Cheapest and Best Car Insurance in Huntington Beach

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.

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.

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.

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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.

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.

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).

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

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.