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How much is car insurance in Huntington Beach?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Huntington Beach is in line with pricing for the rest of California.
Compared to the rest of the country, auto insurance in Huntington Beach is more affordable. It's about $23 cheaper than the national average to insure your vehicle in Huntington Beach.
Keep in mind that these are the average auto insurance rates for Huntington Beach, and that the rate you get could end up being something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down the average rates for Huntington Beach residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates rise again in Huntington Beach.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Huntington Beach, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Huntington Beach with one accident will pay around $72 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$57|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Huntington Beach, with drivers paying around $53 per month for insurance coverage.
SUV drivers will see rates of about $61, while the rates for car owners average out to about $56 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Huntington Beach are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Huntington Beach can be as much as $12 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Huntington Beach. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Huntington Beach, CA
Recent trends in car insurance for Huntington Beach drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Huntington Beach, car insurance rates increased from 2016-2017, when they reached a high of $59, but began to decrease from 2018-2019. They finished down in 2021, at $54.
How does Huntington Beach compare to neighboring areas?
Why are car insurance rates in Huntington Beach different from other areas?
Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the region
- Number of car accidents
- Off-street parking access
- Regional laws
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Huntington Beach?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Huntington Beach.
Huntington Beach Insurance FAQs
What factors affect car insurance quotes in Huntington Beach?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Huntington Beach different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Huntington Beach?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huntington Beach?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Huntington Beach or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.