Huntington Beach, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
The average monthly car insurance cost in Huntington Beach is $154. However, your location, marital status, gender, and age are considered by insurers when providing a specific quote. Therefore, prices typically vary.
The average annual car insurance rate in Huntington Beach is $1,850. It is cheaper than the statewide average of $1,859 and more pricey than the nation's average of $1,545. Your unique driving profile will influence your car insurance rates in Huntington Beach. Therefore, it is best to compare rates from multiple car insurance companies in your area to find the best deal on your next policy.
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Huntington Beach Car Insurance Rates by Company
Identifying the car insurance company that best suits your driving profile can help you save on your auto insurance rates. Going for the cheapest company may not always be available if you live in locations where theft, crime, and other potential driving hazards are common. Additionally, if you have been in an at-fault accident in the past, it will reflect on your driving record and will potentially lead to a significant increase in your rates. However, if you have a clean driving history, it is likely for your insurance company to give you reasonable rates. GEICO offers the cheapest car insurance rates in Huntington Beach.
Huntington Beach Cheapest Car Insurance Rates By Insurer
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $102 | $1,224 |
| Mercury | $116 | $1,391 |
| AAA | $142 | $1,698 |
| Infinity | $147 | $1,768 |
| Alliance | $160 | $1,923 |
Huntington Beach Car Insurance Rates by Age
Age level is another contributing factor that car insurance companies in Huntington Beach use to determine driving abilities. Huntington Beach drivers in their thirties to sixties pay cheaper premiums than drivers with ages twenty and below and seventy and above. However, teenage drivers pay the most expensive rates since they are considered higher-risk and less experienced drivers. On a brighter note, teenagers will be entitled to a substantial rate decrease on their 20th birthday.
Huntington Beach Car Insurance Rates by Age Group
| AGE GROUP | Monthly Rate | Annual Rate |
|---|---|---|
| Teenagers | $569 | $6,823 |
| 20s | $227 | $2,722 |
| 30s | $150 | $1,800 |
| 40s | $145 | $1,745 |
| 50s | $139 | $1,666 |
| 60s | $139 | $1,664 |
| 70s | $162 | $1,942 |
Huntington Beach Car Insurance Rates by Marital Status and Gender
Marital status and gender also directly influence Huntinton beach car insurance rates. Married and widowed drivers pay lower premiums in contrast to single drivers. Married individuals are considered responsible drivers and more financially stable than single drivers. Furthermore, gender also affects car insurance rates in Huntington Beach. Male drivers pay $4 less than females.
Huntington Beach Auto Insurance Rates by Marital Status and Gender
| Gender | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $154 | $1,851 |
| Male | $154 | $1,846 |
| Marital Status | Monthly Rate | Yearly Rate |
|---|---|---|
| Single | $148 | $1,777 |
| Married | $148 | $1,777 |
| Divorced | $154 | $1,846 |
| Widowed | $150 | $1,800 |
Huntington Beach Auto Insurance Rates by Citation and Driving History
Huntington Beach car insurance companies account for your driving records when providing you with specific quotes. If you receive citations for driving recklessly or speeding in Huntington Beach, your insurance premium will increase.
An average increase of $3,161 on your annual rate if you are caught guilty driving irresponsibly and an additional $744 for speeding tickets. As for DWI or DUI violators, an additional fee of $3,066 will be added to your annual rate. Therefore, it is vital to keep a clean driving history to access more affordable Huntington Beach car insurance rates.
Huntington Beach Car Insurance Rates by Violation
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $411 | $4,931 |
| Reckless Driving | $419 | $5,022 |
| At-Fault Accident (less than $1000 damages) | $155 | $1,855 |
| At-Fault Accident (greater than $2000 damages) | $271 | $3,247 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $217 | $2,601 |
Huntington Beach Car Insurance Premiums by Credit Level
Huntington Beach auto insurance companies do not account for your credit score when determining policy premiums. Credit level as a basis for auto insurance is considered discriminatory by lawmakers in California; hence, it is no longer used by insurers when providing quotes.
Huntington Beach Driving and Climate Conditions
Weather conditions can cause car accidents in Huntington Beach. Many drivers experience wet brakes, slick roads, low-visibility, and other driving hazards due to weather. An average of 710,000 weather-related accidents take place around the state of California annually. Additionally, Huntington Beach experiences a number of rainy days per year and occasional wildfires and earthquakes. These weather-induced conditions are one of the reasons for car accidents in the city and therefore impact the overall car insurance rates in Huntington Beach.
List of Car Insurance Companies in Huntington Beach
Huntington Beach Car Insurance FAQs
I have been in an accident in Huntington Beach, many claims that filing online is easier; why?
Filing online is reliable and also easier and faster since insurance providers started building their digital platforms. All you need to do is log in to your account and click the section that states file online. There, you can provide specific information about the incident and upload photos and videos if there are any. However, every website may vary.
How can I process my glass repair claim in Huntington Beach?
You can file your glass repair claim online by providing your policy number, phone number, and information about how your glass was damaged, thus requiring repairs.
How can I fully comprehend my auto insurance policy in Huntington Beach?
If you want to fully understand the kind of policy you acquired from your insurance provider, just simply access your data online. There, you will find several standard policies, which basically cover everyone under the company and add-ons, which are customized policies you can choose from that suit your lifestyle. Identify which policy you purchased and read thoroughly.
How can I inform my insurance provider in Huntington Beach after an accident happened?
You can either contact your agent and file a claim or log in to your online account and file it online.
What credit cards can I use to pay my bills for insurance companies in Huntington Beach?
Most companies accept American Express, Discover, Master Card, and Visa credit cards for the bill payments.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.