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.
Compare the Cheapest Car Insurance Quotes in Huntington Beach, CA
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
For this analysis, MoneyGeek used the average car insurance premiums of a sample 40-year-old driver with full coverage insurance. The driver’s policy has comprehensive and collision coverage, in addition to liability coverage.
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Average Cost of Car Insurance in Huntington Beach
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.
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.
Personalized Quotes to Get You the Cheapest Car Insurance in Huntington Beach
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 quotes regularly to find the best coverage and cheapest premiums for your current circumstances.
Shopping around for car insurance in Huntington Beach could save you $311, which is enough to buy:
Cheapest Car Insurance in Huntington Beach by Coverage Amount
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.
California Minimum Liability Requirements
- 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.
Your car insurance premium also depends on the type of coverage you select. Liability coverage is more affordable, but it doesn’t cover your costs in an accident — it only covers the other driver’s expenses if you’re at fault. Full coverage is pricier as it is more comprehensive. This policy will pay expenses for both you and the other driver if you are at fault and it may also cover the costs of a rental car or roadside mechanical assistance.
In Huntington Beach, USAA offers the cheapest car insurance prices for several common coverage types, but its services are available only to military members and their families. The next most affordable provider is Progressive. The difference between its rates for 50/100/50 liability-only and full-coverage policies is $307. The higher cost may be worth it for the additional protection you’ll get with the full-coverage package.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Huntington Beach if You Have Driving Violations
Driving violations like speeding tickets, DUI and at-fault accidents can increase your car insurance cost. For example, in Huntington Beach, Esurance policyholders with a speeding ticket will end up paying an average of $287 more per year for their auto insurance compared to drivers with a clean record. Similarly, those with an at-fault accident pay roughly $613 more annually, while customers with a DUI pay an extra $1,596 per year on average.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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