Compare Huntington Beach, CA Car Insurance Rates (2021)

The cheapest Huntington Beach, CA car insurance rates come from USAA. Policies cost $229 per month or $2,758 annually on average. However, only military personnel are eligible to use USAA services. Progressive offers the next lowest auto insurance rates in Huntington Beach. California residents must carry the state minimum levels of 15/30/5 for liability coverage. Compare Huntington Beach, CA car insurance quotes online to secure your lowest prices.

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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: Mar 23, 2021

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Here's What You Need to Know

  • USAA provides the cheapest Huntington Beach, CA car insurance rates in the city, followed by Progressive.
  • Long commutes into heavy Los Angeles traffic impact your Huntington Beach, CA car insurance costs.
  • Huntington Beach car insurance premiums are lower than most other major Californian cities.

When it comes to the major Huntington Beach, California car insurances, USAA sells the cheapest policies, averaging $229 per month or $2,758 annually.

Below, compare average Huntington Beach, CA auto insurance rates from the top providers in your city. Our guide will help you secure cheap rates, regardless of your age, driving record, and coverage needs.

When you’re ready to buy Huntington Beach, CA car insurance, enter your ZIP code into our free quote tool above and immediately receive rates from companies near you.

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

The cheapest Huntington Beach, CA car insurance company is USAA, followed by Progressive. Only military personnel can purchase policies from USAA.

See the average rates from the top Huntington Beach car insurance providers below 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

Your rates from these providers will vary depending on your age, driving record, and coverage needs.

Fortunately, Huntington Beach residents pay less for car insurance than many other Californian cities.

Compare your affordable Huntington Beach, CA car insurance costs to the cities below:

To ensure you’re getting your lowest car insurance rates, compare quotes from multiple providers before choosing a provider.

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What car insurance coverage is required in Huntington Beach, CA?

Huntington Beach residents must carry the minimum California car insurance requirements to drive on the roads legally.

In California, that means you must purchase 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 or tort state. If you cause an accident, you must use your liability insurance to pay for the other driver’s expenses.

What happens if you have no car insurance in California? Expect vehicle registration suspension for up to a full year, and you could fines reaching $500.

What affects car insurance rates in Huntington Beach, CA?

When it comes to car insurance, you have specific California privacy rights that dictate what companies can and cannot use to calculate your premiums.

It is illegal to consider your gender, credit history, and other non-driving factors.

However, insurance providers will consider traffic congestion levels in Huntington Beach and vehicle theft rates when determining your costs.

Believe it or not, the terrible traffic in Los Angeles does influence Huntington Beach rates, mainly because providers assume you’ll drive into the city at some point.

Data analyzed by INRIX ranks Los Angeles as the 6th most congested city in the country.

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

Luckily, low car theft rates balance out the bad traffic. According to the Federal Bureau of Investigation (FBI), Huntington Beach experienced 385 car thefts in 2017.

That’s a rate of 190.4 thefts per 100,000 people.

Huntington Beach, CA Car Insurance: The Bottom Line

Huntington Beach car insurance costs are lower than many other Californian cities.

However, the notoriously heavy traffic from Los Angeles does influence rates in your town.

You can secure affordable Huntington Beach, CA car insurance quotes by shopping around, comparing rates online, and seeking out discounts.

Enter your ZIP code into our free quote tool below to immediately compare Huntington Beach, CA car insurance rates from companies near you.

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

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