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How much is car insurance in Huntington Beach?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Huntington Beach are in line with the rest of California.
Car insurance rates in Huntington Beach are often favorable when viewed against the rest of the country. It's about $25 cheaper than the national average to insure your vehicle in Huntington Beach.
Bear in mind that while these rates are the average costs for Huntington Beach residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Huntington Beach so that you can get a more accurate idea of what your policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $37 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Huntington Beach drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. 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|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Huntington Beach, a driving record with a single accident will usually get you a rate around $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$56|
The cheapest vehicles to insure in Huntington Beach are by and large trucks and vans, with each type typically costing about $53 per month.
Car owners will see a monthly premium of about $55, while SUV owners typically pay around $59 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Huntington Beach, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Huntington Beach follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor that comes into play is your living accommodations. In Huntington Beach, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Huntington Beach, CA
Recent trends in car insurance for Huntington Beach drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Huntington Beach had been decreasing from 2017-2019, before leveling out in 2020. They finished up in 2022, at $56 per month
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 many factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Regional laws
- Amount of off-street parking
- Number of car accidents
- Regional crime rates
- Number of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Huntington Beach?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Huntington Beach.
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Huntington Beach Insurance FAQs
What factors affect car insurance quotes in Huntington Beach?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Huntington Beach different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Huntington Beach?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Huntington Beach or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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