Huntington Beach, CA Car Insurance

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 AverageU.S. Average
$1,860$1,868$1,548

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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
CompanyAverage Yearly Rate
GEICO$1,331
Mercury$1,411
AAA$1,713
Infinity$1,772
Allstate$1,938

Read our guide to finding the best cheap auto insurance.



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 bracketAverage Yearly Rate
Teenagers$6,834
20s$2,733
30s$1,810
40s$1,753
50s$1,677
60s$1,674
70s$1,951

Learn more about the impact of age on car insurance premiums.



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 StatusAverage Annual Rate
Female$1,864
Male$1,860
Single$1,783
Married$1,783
Divorced$1,860
Widowed$1,810

Learn more about how gender and marital status have on car insurance rates.



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
ViolationAverage Yearly Rate
DUI/DWI$4,938
Reckless Driving$5,031
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

Learn more about citations' impact on your auto insurance rates.



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 LevelAverage Rate (annual)
Very Poor$1,860
Fair$1,860
Good$1,860
Very Good$1,860
Exceptional$1,860

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.