Compare the Cheapest Car Insurance Quotes in Huntington Beach, CA

Huntington Beach drivers pay an average annual car insurance rate of $1,381, which is 3.4% less than the state’s average of $1,429. The best cheap provider is Esurance, at about $1,070 per year. To help you find quality coverage at the lowest rates, MoneyGeek rated the best insurers in the city by driving histories and coverage amounts.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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Esurance and Progressive provide the cheapest deals in Huntington Beach. A full coverage from Esurance costs $1070 per year. A state minimum from Progressive costs $514 per year. These average calculations may change depending on many factors. Esurance also offers the best rates for drivers with violations, while AAA ranks the best for combining affordability and quality service.

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The Cheapest and Best Car Insurance in Huntington Beach

The Cheapest Car Insurance Companies in Huntington Beach

The cheapest insurance providers in Huntington Beach for a full coverage policy are:

  • Esurance: $1,070 per year
  • Progressive: $1,131 per year

Compared to Esurance, Farmers are more expensive on average by almost $585 per year at an average policy cost of $1,655 per year. A driver’s full coverage policy has comprehensive and collision coverage, in addition to liability coverage.

Cheapest Car Insurance in Huntington Beach
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,070
  • 2.
    Progressive
    $1,131
  • 3.
    USAA
    $1,146
  • 4.
    MetLife
    $1,214
  • 5.
    AAA
    $1,253
  • 6.
    GEICO
    $1,303
  • 7.
    Allstate
    $1,317
  • 8.
    Mercury
    $1,361
  • 9.
    State Farm
    $1,435
  • 10.
    Hartford
    $1,577
  • 11.
    Allied
    $1,626
  • 12.
    Travelers
    $1,627
  • 13.
    Farmers
    $1,655

For this analysis, MoneyGeek’s methodology includes gathering the average car insurance premiums of a sample 40-year-old driver with full coverage insurance.

Between a full coverage and a state minimum policy, drivers pay higher premiums with full coverage insurance as it comes with a long list of additional coverages, including:

  • Collision Insurance: Covers expenses for your vehicle in case it gets into accidents with another vehicle or a stationary object
  • Comprehensive Insurance: Covers expenses for your vehicle for damages that are outside collision like theft, city disturbance, natural disasters, etc.

Think about all the factors and benefits that you need to properly weigh your options. There are times when having a full coverage policy may not be necessary. One example is when you have an older car where the total value is lower than an available full coverage policy. In this case, a state minimum is more than beneficial.

Compare Car Insurance Rates in Huntington Beach

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Huntington Beach for Minimum Coverage

In Huntington Beach and elsewhere, the cost of your car insurance is influenced by the amount of coverage you purchase. A policy with only the state minimum requirements costs an average of $681 per year. If you buy full coverage insurance, which offers higher limits, you will pay around $1,381 per year, which is higher by $700.

Cheapest Minimum Liability Car Insurance in Huntington Beach
State Minimum

Car insurance providers offer policies that include just enough coverage to drive legally on the road. Some drivers opt for these kinds of policies because it is the cheapest option. However, low premiums also means low coverage. Monthly bills may be cheaper for you, but you may end up paying more in case of an accident. The property damage liability coverage in California is up to $5000. If the cost of repairs end up costing more, the driver at-fault will have to pay it out-of-pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Huntington Beach if You Have Driving Violations

Any type of traffic violations is taken into consideration when calculating car insurance rates. It makes sense to buy from companies that offer the cheapest rates after a violation.

  • Cheapest after a ticket: Esurance, $1,357 per year
  • Cheapest after an at-fault accident: Esurance, $1,683 per year
  • Cheapest after a DUI: Mercury, $2,228 per year

Car insurance companies take a look at your driving history whenever there is a change in your policy, or when you need to renew or buy a new one. A DUI in California drops off your record after ten years. If you manage to maintain safe driving within this period, you may be able to lower your rates.

Cheapest Car Insurance in Huntington Beach With a Violation
Speeding Ticket

Average Cost of Car Insurance in Huntington Beach

Huntington Beach$1,381
California$1,429
U.S.$1,424

Huntington Beach drivers pay 3% less for car insurance than the national average and 3.4% less than the state average. The average annual car insurance cost in Huntington Beach is $1,381.

Personalized Quotes to Get You the Cheapest Car Insurance in Huntington Beach

The largest auto insurers consider many factors to determine car insurance quotes in Huntington Beach, including your age, gender, coverage level, driving record and others. In Huntington Beach, Esurance is the most affordable option for most drivers. Its average yearly price is $1,070 for a typical 40-year-old male driver. Ideally, you should compare car insurance rates regularly to find the best coverage and cheapest premiums for your current circumstances.

Compare Car Insurance Rates in Huntington Beach

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Huntington Beach

If you are looking for car insurance coverage that combines exceptional service with low costs, MoneyGeek ranked the best insurers in Huntington Beach to make the search easier for you. From the scores, the best auto insurance carriers in the city for most drivers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Huntington Beach by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek scored insurers across various factors, including J.D. Power’s customer satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Auto insurance providers pay attention to your neighborhood while calculating your car insurance premium. They consider areas with frequent car thefts, accidents and uninsured motorists to be riskier and more expensive to cover. For example, in Huntington Beach, you’ll pay $37 less in yearly car insurance rates if you live in the 92646 neighborhood compared to the costliest 92648 ZIP code.

  • Zip Code
    State Minimumper year
  • 92646
    $1,362
  • 92647
    $1,381
  • 92648
    $1,399

Factors That Impact Insurance Costs in Huntington Beach

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Huntington Beach. How Huntington Beach ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities196th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Huntington Beach are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.