How much does auto insurance cost in Huntington Beach?
The average car insurance rate in Huntington Beach, California, is $1,860 per year. That's less expensive than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to Huntington Beach auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
CAR INSURANCE: HUNTINGTON BEACH RATES VS. STATE + NATIONAL AVERAGES
|Huntington Beach Average (annual)||California Average||U.S. Average|
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Huntington Beach car insurance premiums by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, GEICO provides Huntington Beach's cheapest rates. We've listed the best cheap car insurance companies in Huntington Beach below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
HUNTINGTON BEACH CAR INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Auto insurance premiums by age in Huntington Beach
The age bracket that pays the least for auto insurance in Huntington Beach consists of drivers in their age_60s, who pay an average of $1,674. Those in their age_50s don't pay significantly more ($1,677).
Teenage drivers pay Huntington Beach's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Huntington Beach is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Huntington Beach is $4,101. That's the biggest gap in premiums between any pair of age brackets.
HUNTINGTON BEACH CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age bracket||Average Yearly Rate|
Huntington Beach auto insurance premiums by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Huntington Beach, married drivers pay $77 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Huntington Beach, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can impact auto insurance costs. In Huntington Beach, female drivers pay more for auto insurance than do male drivers: $4 per year, to be precise.
INSURANCE RATES IN HUNTINGTON BEACH BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Huntington Beach auto insurance costs by violation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Huntington Beach drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,171 per year versus the city average. A ticket for speeding results in a $752 rate hike, on average, while a DUI violation costs $3,078per year in insurance premiums.
AVERAGE HUNTINGTON BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,867|
|At-fault Accident (damages greater than $2,000)||$3,258|
|Speeding Ticket (16-20 mph over speed limit)||$2,612|
Huntington Beach auto insurance costs by credit level
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Huntington Beach drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Huntington Beach, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.
HUNTINGTON BEACH CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|