Best Auto Insurance Rates in Huntington Beach, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Huntington Beach

Friday, November 9 2018 By Aaron Besson

Huntington Beach is known as for world class beaches and surfing. If you’re on the road more than the waves, you’ll want low-cost car insurance.

Average Huntington Beach Insurance Rates

How much is car insurance in Huntington Beach, CA? Even with California’s high average rates, Huntington Beach has affordable coverage. Average insurance in California costs $841.45 per year. The national average price is $889.01.

Prices may vary based on your zip code, driving record, claim history, and credit score.  

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the average California insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute found that Huntington Beach car insurance increased from $740 in 2011 to $841 in 2015. This is a jump of $101 dollars, or 101 percent.

California average car insurance rates

Finding the right car insurance in Huntington Beach can take a lot of time. Let QuoteWizard help you compare rates. In just a few minutes, you’ll save both time and money.

Last year, 4,455 people used QuoteWizard to compare car insurance in Huntington Beach, CA from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Huntington Beach, CA

These are the most popular car insurers reported by QuoteWizard users in Huntington Beach, California. Nearly 10 percent or 419 of these drivers were uninsured when they requested a quote.

  1. State Farm
  2. GEICO
  3. AAA
  4. Allstate
  5. Farmers
  6. Progressive
  7. Mercury
  8. Liberty Mutual
  9. Nationwide
  10. 21st Century

Top 10 Vehicles

These are the most popular makes and models owned by Huntington Beach, CA QuoteWizard users.

  1. Toyota Prius
  2. Toyota Camry/LE
  3. Honda Civic/EX/LX/DX
  4. Ford F-150
  5. Toyota RAV4
  6. Ford Mustang
  7. Ford Ranger
  8. Honda Accord
  9. Hyundai Elantra GLS
  10. Toyota 4Runner SR5

Minimum Car Insurance Requirements in Huntington Beach, CA

Huntington Beach, California requires drivers to California’s legal minimum liability. The minimum is 15/30/05. This means your policy must include: 

  • $15,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $30,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $5,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident

Recommended Coverage Levels

Minimum coverage may seem a good deal in the short term. But it’s expensive after an accident. A minimum policy doesn’t include collision or comprehensive coverage.

On top of that, it’s easy to exceed your minimum liability limit. As such, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Huntington Beach Drivers

Insurance is more expensive in areas with a history of bad driving and accidents. How does Huntington Beach fare?

QuoteWizard ranked state and city drivers from best to worst. According to our data, California is the worst state for drivers.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your car insurance rates. The riskier your driving conditions, the higher your rates can go.

Road Conditions

TRIP reports that 68 percent of Huntington Beach, California’s roads are in poor to mediocre condition. Driving on bad roads in California costs drivers $843 a year in extra car operating costs.

Traffic Congestion

Huntington Beach is a part of sprawling Los Angeles, a city infamous for terrible traffic. Work recently started on a portion of I-405 going through Huntington Beach that is projected to cut rush hour traffic in half.

Moving Violations

Tickets and at-fault accidents can affect your driving record. People with tickets and accidents on their driving record pay more for car insurance. The more tickets and accidents you have, the higher your rates can raise. After enough citations, your insurer may refuse to cover you due to your high-risk status. Another option is a non-standard, high-risk policy

Traffic Tickets

If you get a traffic citation in California, you are penalized using a point system. If you get pulled over for a moving violation, you will get one point on your driving record. If you get:

  • 4 points in one year
  • 6 points in two years
  • 8 points in three years

The California DMV will suspend your license for 6 months. Other traffic infractions carry an equal or larger penalty.

In 2017, Huntington Beach police issued over 13,578 traffic citations.

DUI and DWAI Arrests

A DUI can hike up your auto insurance rates. According to QuoteWizard data, drivers with a DUI pay $830 more per year for car insurance. In 2015, the most recent data available, Huntington Beach Police made 858 DUI arrests.

SR-22 DUI/DWAI Insurance

California drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 3 straight years. Depending on your record and insurance status, it could be extended to four years.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Huntington Beach police reported 4,199 collisions, six of which resulted in fatalities.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Huntington Beach Police reported 11 358 auto thefts in 2017.

Car Insurance Discounts

Looking for affordable car insurance? Discounts are one of the best ways to lower rates. Looking for ways to get a discount? Huntington Beach, CA drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. If you live in a safe neighborhood in Huntington Beach, you could save money 
  3. Bad drivers pay more for car insurance than safe drivers. Keep your driving history clear of tickets and accidents to pay lower rates
  4. Make sure your car as up-to-date safety features and anti-theft devices
  5. Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill 
  6. Have more than one car? Look into a multiple car discount

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