Key Takeaways
- AAA has the cheapest average rate for minimum-coverage car insurance in Huntington Beach. Allstate has the cheapest rates for full-coverage auto insurance.
- Huntington Beach drivers pay an average of $142 a month for full-coverage car insurance. This is slightly cheaper than the state average rate of $157 a month.
- While USAA has cheaper rates in many categories, it only provides insurance to military members and their families.
In this article
The cheapest car insurance companies in Huntington Beach, CA
GEICO: Overall cheapest provider
State Farm: Cheapest for young drivers
Mercury: Cheapest for drivers with a DUI
While GEICO isn't the cheapest insurer for minimum-coverage car insurance in Huntington Beach, its average rate of $52 a month is only $2 more than AAA's rate of $50 a month. GEICO's full-coverage rate tops all competitors at an average of $118 a month. GEICO also has the cheapest rate for:
- Drivers with bad credit
- Senior drivers
- Married drivers
Young drivers get their cheapest rate with State Farm, with an average rate of $286 a month. This is over twice the average rate of $142 a month for full coverage in Huntington Beach. Young drivers tend to pay the highest rates for car insurance due to their inexperience behind the wheel.
Mercury has the cheapest rates for car insurance for Huntington Beach drivers with a DUI. Mercury's average full-coverage rate after a DUI is $227 a month. That is 42% cheaper than the overall average cost for full coverage after a DUI in Huntington Beach of $393 a month.
The best way to find the cheapest rate for you is to compare car insurance quotes from several companies while you shop.
Huntington Beach car insurance state minimums
California law requires drivers in the state to carry at least 15/30/5 liability car insurance. That means they need the following amounts of personal injury and property damage liability coverage, at a minimum.
| Coverage type | Coverage minimums |
|---|---|
| Bodily injury liability | $15,000 per person/ $30,000 per accident |
| Property damage liability | $5,000 per accident |
Cheapest minimum-coverage auto insurance rates in Huntington Beach: AAA
AAA has the cheapest rates in Huntington Beach for minimum-coverage car insurance, with an average rate of $50 a month.
| Company | Average monthly rate |
|---|---|
| AAA | $50 |
| GEICO | $52 |
| Progressive | $57 |
| Mercury | $58 |
| Auto Club | $66 |
| State Farm | $77 |
| Allstate | $86 |
| Farmers | $93 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest full-coverage auto insurance rates in Huntington Beach: GEICO
GEICO has the cheapest rates for full-coverage car insurance in Huntington Beach, with an average rate of $118 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $118 |
| Progressive | $128 |
| Allstate | $131 |
| Mercury | $138 |
| AAA | $143 |
| Auto Club | $143 |
| State Farm | $153 |
| Farmers | $185 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance is the combination of liability, comprehensive and collision coverages. You may be able to add medical payments and other types of coverage as well.
Get cheap car insurance in Huntington Beach today
Cheapest car insurance for drivers with a prior incident
AAA has the cheapest rates for Huntington Beach drivers with a speeding ticket or accident on their insurance record. Mercury has the best rates for drivers with a DUI.
Cheapest for drivers with a speeding ticket: AAA
If you have a speeding ticket on your insurance record, AAA has the cheapest rate in Huntington Beach at $181 a month. Mercury is next at $182 a month.
| Company | Average monthly rate |
|---|---|
| AAA | $181 |
| Mercury | $182 |
| Allstate | $185 |
| GEICO | $186 |
| Auto Club | $212 |
| State Farm | $236 |
| Progressive | $245 |
| Farmers | $261 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
In California, a speeding ticket stays on your insurance record for three years, during which time you'll probably see your rates go up. Your rates go up even more if you get another ticket in that time.
Cheapest for drivers with an at-fault accident: AAA
Huntington Beach drivers with an accident on their record find their cheapest car insurance with AAA, at an average rate of $181 a month. This is for full coverage; if you buy less coverage, your costs should be lower.
| Company | Average monthly rate |
|---|---|
| AAA | $181 |
| Auto Club | $217 |
| GEICO | $219 |
| Mercury | $241 |
| State Farm | $246 |
| Farmers | $261 |
| Progressive | $267 |
| Allstate | $273 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for Huntington Beach drivers with a DUI: Mercury
If you have a DUI on your record, Mercury has the cheapest rate of $227 a month. GEICO is the next-cheapest option at $302 a month.
| Company | Average monthly rate |
|---|---|
| Mercury | $227 |
| GEICO | $302 |
| Progressive | $306 |
| Farmers | $326 |
| Auto Club | $439 |
| Allstate | $491 |
| AAA | $512 |
| State Farm | $544 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
On top of an increase in your car insurance premium, California drivers with first-offense DUIs face these fines and penalties:
- $1,800 in fines
- 90-day restricted license, and/or a three-month alcohol treatment program
- Three to five years probation
- Carry an SR-22 for three years
Cheapest car insurance for senior drivers: Farm Bureau and State Farm
Senior drivers in Huntington Beach find the cheapest car insurance with GEICO, at an average of $118 a month. Progressive is next-cheapest at $128 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $118 |
| Progressive | $128 |
| Allstate | $131 |
| Mercury | $138 |
| AAA | $143 |
| Auto Club | $143 |
| State Farm | $153 |
| Farmers | $185 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Seniors pay slightly higher auto insurance rates than some of their younger counterparts. This is mostly due to higher risk that comes with slower reaction times behind the wheel with age. However, senior drivers still pay lower rates than teenagers.
Cheapest car insurance for young drivers: State Farm
Young drivers in Huntington Beach find their cheapest car insurance rate with State Farm, at an average of $286 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $286 |
| Allstate | $307 |
| GEICO | $325 |
| Mercury | $339 |
| Auto Club | $385 |
| Progressive | $404 |
| Farmers | $432 |
| AAA | $447 |
| Rates are for an 18-year-old male with a clean driving record. | |
Due to their relative inexperience driving, teens tend to pay high car insurance rates compared to older drivers. If you have a teen driver living in your home, consider getting them on an adult's policy to save money. Your rates will go up, but it should still be cheaper than if you and your young driver had separate policies.
Cheapest car insurance for married drivers: GEICO
Huntington Beach married drivers find the cheapest car insurance from GEICO. Its average rate for married drivers is $101 a month. Progressive is next-cheapest at $104 a month.
| Company | Average monthly rate |
|---|---|
| GEICO | $101 |
| Progressive | $104 |
| Mercury | $122 |
| Allstate | $124 |
| Auto Club | $134 |
| AAA | $143 |
| State Farm | $153 |
| Farmers | $177 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Because many providers consider being married as an indicator of safety, married drivers can pay lower rates than single drivers in the same age range.
Car insurance laws in Huntington Beach
SR-22 insurance
In Huntington Beach, drivers with a DUI are required to obtain an SR-22 form to remove a driving suspension. An SR-22 is proof of financial responsibility. It shows that the bearer carries at least the minimum amount of liability insurance the law requires. Your car insurance provider files the SR-22 with the DMV.
Frequently asked questions
What is the average cost of car insurance in Huntington Beach, CA?
The average cost of full-coverage auto insurance in Huntington Beach is $142 a month. This is a bit less than the California average of $157 a month.
Who is the cheapest car insurance company in Huntington Beach?
AAA has the overall cheapest rates for minimum coverage in Huntington Beach, with Allstate having the most affordable rates for full coverage.
Which insurance company has the cheapest rates for teen drivers?
State Farm has the cheapest rates for teens, charging an average rate of $286 a month. Allstate is next-cheapest at $307 a month.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Huntington Beach, California.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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