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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, 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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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 collect quotes (it's free!) specific to your unique driving profile.
HUNTINGTON BEACH CAR INSURANCE RATES BY COMPANY
The age bracket that pays the least for auto insurance in Huntington Beach consists of drivers in their 60s, who pay an average of $1,674. Those in their 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|
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|
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 $3,078 per 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|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.