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

The best cheap auto insurance in Huntington Beach, CA comes from USAA, with rates averaging $229 per month or $2,758 annually. However, only military personnel and their families are eligible to use USAA. If you’re non-military, Progressive also offers competitive Huntington Beach auto insurance rates. In California, you must carry the state minimum levels of 15/30/5 for liability coverage. Compare Huntington Beach, CA auto insurance quotes online to secure your best price.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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:

View as image

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

View as image

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.

View as image

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.

View as image

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:

View as image

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.

View as image

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.

View as image

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.

View as image

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.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Monthly Huntington Beach, CA Auto Insurance Rates by ZIP Code
Huntington Beach, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Huntington Beach, CA Auto Insurance Rates by Company vs. City Average
Huntington Beach, CA Auto Insurance Rates by Company and Age
The Cheapest Huntington Beach, CA Auto Insurance Rates by Coverage Level
The Cheapest Huntington Beach, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Huntington Beach, CA
Average Monthly Auto Insurance Rates by Age & Gender in Huntington Beach, CA
Monthly Huntington Beach, CA Auto Insurance Rates by ZIP Code
Huntington Beach, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Huntington Beach, CA Auto Insurance Rates by Company vs. City Average
Huntington Beach, CA Auto Insurance Rates by Company and Age
The Cheapest Huntington Beach, CA Auto Insurance Rates by Coverage Level
The Cheapest Huntington Beach, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Huntington Beach, CA
Average Monthly Auto Insurance Rates by Age & Gender in Huntington Beach, CA