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Best Cheap Auto Insurance in Huntington Beach, CA (2021)

Things to Remember

  • The best cheap auto insurance in Huntington Beach, California comes from USAA.
  • Huntington Beach, CA auto insurance rates are affected by longer average commutes into heavy Los Angelos traffic, but low auto theft rates help balance your costs.
  • Huntington Beach auto insurance costs are lower than other California cities like Los Angeles, San Diego, and San Jose.

Huntington Beach, California auto insurance is lower than other major Californian cities like Los Angeles and San Diego. Get cheap auto insurance in Huntington Beach, CA by comparing quotes online from multiple providers and looking for discounts.

Read through our brief guide to find cheap Huntington Beach, CA auto insurance quotes regardless of your age or driving record.

Table of Contents

Monthly Huntington Beach, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Huntington Beach, CA auto insurance rates by ZIP Code below:

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Huntington Beach, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Huntington Beach, CA against other top US metro areas’ auto insurance rates.

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If you’re ready to buy Huntington Beach, CA auto insurance, enter your ZIP code into our free quote comparison tool above.

What is the cheapest auto insurance company in Huntington Beach, CA?

Huntington Beach provides residents with the laid back California lifestyle without the high price tag on auto insurance associated with the state’s other major cities.

For example, auto insurance in San Jose, CA, costs $411 per month or $4,936 annually. Auto insurance in San Diego, CA  averages at $367 per month or $4,414 annually.

Coming in with the highest rates is auto insurance in Los Angeles, CA, which reaches $605 per month or $7,260 annually on average.

The cheapest Huntington Beach, CA insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California car insurance company rates?” We cover that as well.

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The cheapest Huntington Beach, CA auto insurance company is USAA, with rates averaging $229 per month or $2,758 annually.

Check out the top insurance companies in Huntington Beach from cheapest to most expensive:

  • USAA – $2,757.60
  • Progressive – $2,868.12
  • GEICO – $2,890.03
  • Liberty Mutual – $2,936.21
  • Travelers – $3,345.11
  • State Farm – $4,097.59
  • Allstate – $4,397.33
  • Nationwide – $4,624.38
  • Farmers – $4,842.53

Only active or retired military personnel and their families are eligible to use USAA services. Progressive is another competitive option in your city for non-military customers.

Use these averages as a starting point for your own costs. Your individual rates will vary depending on your age, driving history, and even the type of vehicle you drive.

The level of coverage you require will also influence your overall premiums.

Huntington Beach, California car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Huntington Beach, CA car insurance rates. Find the cheapest Huntington Beach, California car insurance rates by coverage level below:

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Your driving record will affect your Huntington Beach car insurance rates. For example, a Huntington Beach, California DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Huntington Beach, California car insurance rates by driving record.

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Factors affecting car insurance rates in Huntington Beach, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Huntington Beach, California car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Huntington Beach. CA does use gender, so check out the average monthly car insurance rates by age and gender in Huntington Beach, CA.

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What auto insurance coverage is requires in Huntington Beach, CA?

Folks living in Huntington Beach have to carry the California state minimum requirements to drive on the roads legally.

In California, you must carry at least:

  • $15,000 per person and $30,000 per accident in bodily injury liability.
  • $5,000 per accident in property damage liability.

California is an at-fault state. If you are found liable for causing an accident, you will be responsible for paying for all damages through your provider.

What affects auto insurance rates in Huntington Beach, CA?

In the state of California, it is illegal for insurance providers to consider your gender, credit history, and other non-driving factors when calculating your auto insurance rates.

However, traffic congestion and auto theft rates in Huntington Beach do impact your overall premiums. According to INRIX, the 6th most congested city in the country, Los Angeles, is just a short drive from where you live.

City-Data reports that the average commute length for Huntington Beach residents is 27.4 minutes, slightly higher than the national average of 26 minutes.

Fortunately, the auto theft rate in Huntington Beach is low, which helps keep your insurance costs low as well.

Crime statistics from the Federal Bureau of Investigation (FBI) show that Huntington Beach had 385 vehicle theft incidents in 2017. That’s an impressive rate of 190.4 thefts per 100,000 residents.

Huntington Beach, CA Car Insurance: The Bottom Line

Huntington Beach is close to Los Angeles, a city with notoriously heavy traffic flow.

However, your Huntington Beach, CA auto insurance rates are still affordable due to meager auto theft statistics.

Secure your best Huntington Beach auto insurance quotes by shopping around and comparing rates online.

Enter your ZIP code into our free quote tool below to immediately receive affordable Huntington Beach, CA auto insurance quotes from reputable providers near you.

References:

  1. https://inrix.com/scorecard-city/?city=Los%20Angeles%2C%20CA&index=26
  2. http://www.city-data.com/city/Huntington-Beach-California.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/california.xls

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