Compare Huntington Beach, CA Car Insurance Rates (2021)

Car insurance in Huntington Beach, CA averages $303 a month. Huntington Beach, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Huntington Beach car insurance rates, compare quotes from the top car insurance companies in Huntington Beach, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Huntington Beach, CA are $3,640/year
  • The cheapest ZIP code in Huntington Beach is 92646
  • The cheapest car insurance company in Huntington Beach is USAA

If you need to buy Huntington Beach, California car insurance, the options can be confusing. Everything you need to know about car insurance in Huntington Beach, CA is right here.

You’ll find Huntington Beach car insurance rates, the cheapest Huntington Beach, CA car insurance companies, and information on California car insurance laws. You can also compare Huntington Beach, California car insurance rates to Sacramento car insurance rates, Anaheim car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Huntington Beach, CA car insurance today? Enter your ZIP code for fast, free Huntington Beach car insurance quotes.

Cheapest Huntington Beach, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Huntington Beach, CA car insurance rates? Every Huntington Beach, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Huntington Beach, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,839 $2,827 $2,084 $2,082 $7,959 $9,978 $3,563 $3,848
Farmers $2,637 $2,637 $2,405 $2,405 $8,411 $13,630 $3,128 $3,489
GEICO $1,789 $1,789 $1,682 $1,682 $5,453 $5,535 $2,570 $2,620
Liberty Mutual $2,235 $2,097 $2,100 $2,028 $4,807 $5,187 $2,494 $2,541
Nationwide $3,239 $3,087 $2,852 $2,684 $8,301 $9,164 $3,864 $3,805
Progressive $1,785 $1,836 $1,536 $1,813 $4,833 $5,792 $2,581 $2,770
State Farm $3,210 $3,210 $2,871 $2,871 $5,973 $7,432 $3,554 $3,661
Travelers $2,479 $2,391 $2,199 $2,178 $5,241 $5,907 $3,223 $3,142
USAA $1,973 $1,867 $1,926 $1,931 $4,525 $4,542 $2,724 $2,572

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Minimum Car Insurance in Huntington Beach, CA

Every driver must carry the minimum car insurance in Huntington Beach, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Huntington Beach, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Huntington Beach, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Huntington Beach, CA to rates for a clean record with top companies.

Annual Huntington Beach, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,668 $4,428 $7,007 $3,487
Farmers $3,590 $4,881 $6,059 $4,840
GEICO $2,018 $3,126 $3,912 $2,504
Liberty Mutual $2,549 $3,410 $3,084 $2,702
Nationwide $3,227 $4,139 $6,993 $4,139
Progressive $1,874 $3,200 $3,694 $2,704
State Farm $2,929 $3,490 $6,576 $3,396
Travelers $2,214 $3,660 $4,213 $3,293
USAA $1,831 $2,729 $4,464 $2,006

Cheapest Huntington Beach, CA Car Insurance for Teen Drivers

Teen car insurance in Huntington Beach, CA can be expensive. Take a look at rates from the top car insurance companies in Huntington Beach for teenagers.

Annual Car Insurance Rates for Teen Drivers in Huntington Beach, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,959 $9,978
Farmers $8,411 $13,630
GEICO $5,453 $5,535
Liberty Mutual $4,807 $5,187
Nationwide $8,301 $9,164
Progressive $4,833 $5,792
State Farm $5,973 $7,432
Travelers $5,241 $5,907
USAA $4,525 $4,542

Cheapest Huntington Beach, CA Car Insurance for Seniors

Take a look at Huntington Beach, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Huntington Beach, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,084 $2,082
Farmers $2,405 $2,405
GEICO $1,682 $1,682
Liberty Mutual $2,100 $2,028
Nationwide $2,852 $2,684
Progressive $1,536 $1,813
State Farm $2,871 $2,871
Travelers $2,199 $2,178
USAA $1,926 $1,931

Cheapest Huntington Beach, CA Car Insurance Rates After a DUI

A DUI in Huntington Beach, CA increases car insurance rates. Compare Huntington Beach, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Huntington Beach, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,007
Farmers $6,059
GEICO $3,912
Liberty Mutual $3,084
Nationwide $6,993
Progressive $3,694
State Farm $6,576
Travelers $4,213
USAA $4,464

Cheapest Huntington Beach, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Huntington Beach, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Huntington Beach, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,957 $4,838
Farmers $4,392 $5,293
GEICO $2,625 $3,155
Liberty Mutual $2,695 $3,177
Nationwide $4,082 $5,167
Progressive $2,599 $3,137
State Farm $3,946 $4,249
Travelers $3,013 $3,678
USAA $2,540 $2,975

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Cheapest Huntington Beach, CA Car Insurance Rates by ZIP Code

Huntington Beach car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Huntington Beach, CA.

Annual Car Insurance Rates by ZIP Code in Huntington Beach, California

ZIP Code Average Annual Rates
92646 $4,947
92647 $4,998
92648 $4,988
92649 $4,976

The Best Cheap Car Insurance Companies in Huntington Beach, CA

Take a look at a side-by-side comparison of the top car insurance companies in Huntington Beach, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Huntington Beach, California

Insurance Company Average Annual Rates
Allstate $4,397
Farmers $4,843
GEICO $2,890
Liberty Mutual $2,936
Nationwide $4,624
Progressive $2,868
State Farm $4,098
Travelers $3,345
USAA $2,758

Category Winners: Cheapest Car Insurance in Huntington Beach, California

Find the cheapest car insurance companies in Huntington Beach, CA for each category right here.

Best Annual Car Insurance Rates by Company in Huntington Beach, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Huntington Beach, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Huntington Beach car insurance rates. Find the cheapest Huntington Beach, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Huntington Beach, California

Insurance Company Low Medium High
Allstate $4,112 $4,443 $4,637
Farmers $4,455 $4,888 $5,185
GEICO $2,596 $2,927 $3,147
Liberty Mutual $2,689 $2,967 $3,153
Nationwide $4,117 $4,710 $5,046
Progressive $2,527 $2,968 $3,109
State Farm $3,618 $4,183 $4,492
Travelers $2,850 $3,448 $3,737
USAA $2,484 $2,814 $2,974

What affects car insurance rates in Huntington Beach, California?

What factors can have an impact on Huntington Beach, CA car insurance? There are several reasons why Huntington Beach car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Huntington Beach, California.

Car Theft in Huntington Beach

High levels of vehicle theft can make car insurance more expensive. Huntington Beach, CA car theft statistics from the FBI indicate 310 vehicle thefts a year.

Commute Time in Huntington Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Huntington Beach, CA is 30.1 minutes according to City-Data.

Compare Car Insurance Quotes in Huntington Beach, CA

Ready to find affordable Huntington Beach, California car insurance today? Enter your ZIP code for fast, free Huntington Beach, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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