Huntington Beach Car Insurance

The Zebra
May 30, 2018

Car Insurance in Huntington Beach

On average, California premiums are $286 greater than the national average. Premiums also run high in the city, so understanding premium costs while insuring a vehicle in Huntington Beach is critical. Keep some money in your pocket by following the tips below about how to save on car insurance in Huntington Beach.

  • City Average: $1,676
  • State Average: $1,713
  • National Average: $1,427

Huntington Beach Car Insurance by Age

Huntington Beach drivers see the greatest dip in premiums when they reach their 20s, as they pay an average of 61% less after moving out of the teenage age range. Insurance rates for drivers in Huntington Beach continue to fall through their 60s, but they can anticipate a change when they hit 70. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $6,243. Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest insurance rates among any age group, with rates of $1,451/year. People in their 50s ($1,486) aren’t paying significantly more.

  • Teenagers: $6,243
  • 20s: $2,437
  • 30s: $1,648
  • 40s: $1,599
  • 50s: $1,486
  • 60s: $1,451
  • 70s: $1,623

Huntington Beach Car Insurance by Gender and Marital Status

Various driver attributes, including gender and marital status, can affect car insurance premiums in Huntington Beach. However, premiums for women are typically only slightly more pricey than for men. Married individuals save approximately 4% per year on car insurance compared to those who are single. Rates for those who are widowed are moderately cheaper than rates for those who are single.

  • Female: $1,684
  • Male: $1,676
  • Single: $1,676
  • Married: $1,606
  • Divorced: $1,676
  • Widowed: $1,612

Huntington Beach Car Insurance by Accident or Violation History

Possessing a spotless driving record is important if you want to keep your car insurance premiums minimal. Car insurance is an average of $922 more per year in Huntington Beach if you have an at-fault accident on your driving record. Drivers with a DUI or reckless driving infraction in Huntington Beach have rates nearly triple the average for the city ($1,676).

  • DUI: $4,763
  • Reckless Driving: $4,763
  • At-fault Accident (damages less than $1000): $2,598
  • At-fault Accident (damages greater than $2000): $2,598
  • Speeding Ticket (16-20 mph over speed limit): $2,265

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.

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