Buy Cheap Huntington Beach, CA Auto Insurance
The average annual auto insurance rates in Huntington Beach, CA are around $3,640 ($303/mo). The cheapest auto insurance company in Huntington Beach, CA is USAA, although rates will vary for each person. Huntington Beach, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Huntington Beach, California car insurance quotes online to get the best price for you.
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UPDATED: Jul 15, 2021
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- The average annual auto insurance rates for Huntington Beach, CA are $3,640 ($303/mo)
- The cheapest auto insurance company in Huntington Beach, CA is USAA
- Huntington Beach, CA rates are affected by the traffic that is shared with Anaheim as well as Los Angeles
- The average commute time for Huntington Beach is 28 min
Huntington Beach, CA average annual auto insurance rates are slightly above average when compared to the state average. They are fairly similar to Anaheim rates and about $1,700 cheaper than Los Angeles rates.
You can save on Huntington Beach, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.
Below you’ll find information on how to buy auto insurance in Huntington Beach, California for every age, credit history, and driving record.
Ready to find affordable auto insurance in Huntington Beach, CA? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Huntington Beach, CA?
The cheapest car insurance company in Huntington Beach, based on average rates, is USAA which offers auto insurance only to military affiliates. Progressive offers the second-cheapest rates.
The top auto insurance companies in Huntington Beach, CA, ranked from cheapest to most expensive are:
- USAA – $2,758
- Progressive – $2,868
- GEICO – $2,890
- Liberty Mutual – $2,936
- Travelers – $3,345
- State Farm – $4,098
- Allstate – $4,397
- Nationwide – $4,624
- Farmers – $4,843
There are a lot of factors that determine your auto insurance rates.
The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
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What auto insurance coverage is required in Huntington Beach, CA?
All Huntington Beach drivers have to meet the California state law minimum requirements to buy auto insurance.
In California, you have to carry at least:
- $15,000 per person and $30,000 per incident for bodily injury liability
- $5,000 per incident for property damage
It’s recommended that most drivers carry more than the state minimum.
What affects auto insurance rates in Huntington Beach, CA?
Huntington Beach is the 23rd largest city in California and about a 30 min drive from Anaheim and about a 45-minute drive from Los Angeles. Let’s take a look at how Huntington Beach auto insurance rates compare to other cities in California.
- Beverly Hills, CA — $6,188 (most expensive)
- Anaheim, CA — $3,804
- Huntington Beach, CA — $3,640
- Los Angeles, CA — $5,345
- Los Ranchos, CA — $2,731 (cheapest)
INRIX doesn’t rank Huntington Beach or Anaheim but does rank Los Angeles which is about an hour away.
INRIX ranks Los Angeles as the 6th most congested city in the U.S. Huntington Beach is west of Anaheim and south of Los Angeles, so traffic heading to a larger city can affect auto insurance rates.
City-Data reports an average commute time for Huntington Beach is 28 minutes.
Auto theft in Huntington Beach also affects rates. The FBI’s most recent annual statistics list 385 auto thefts in a city population of 202,244. That’s a rate of 190 cars stolen per 100,000 population.
Huntington Beach, CA Auto Insurance: The Bottom Line
Huntington Beach is slightly above the state average auto insurance rates, but you can still save by shopping around and comparing.
Before you buy auto insurance in Huntington Beach, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Huntington Beach, CA auto insurance quotes.