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 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.
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.
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.
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.
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).
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.
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?
Cheapest widely available option
High customer satisfaction rating
Offers roadside assistance and mechanical breakdown insurance
Low claims management rating
Doesn’t provide some common coverages like deductible modification and gap insurance
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.
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?
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
Has an average coverage score
Doesn’t offer some of the most common coverages, like roadside assistance and accident forgiveness
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?
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
Has a below average claims management rating
Doesn’t offer some common discounts like good student, paperless and pay in full
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.
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