Since most states in the country require a certain coverage, a driver with a car needs to have insurance. There is a big difference between the requirements of your state and what you need. From the country’s law point of view, a resident should be provided with a minimum level of protection. This means that injured people or people damaged by another vehicle or a driver’s property must be protected. But, as the practice shows, the minimum is not enough, and people try to consider their real needs and potential expenses for auto insurance.
Some of them search for cheap car insurance Huntington Beach CA others try to change their search under age, caused violations and accidents, and even by their work type. Another method is to search regarding the rating of auto insurance companies in your state and find companies with the most suitable discounts well.
Legal consequences for the vehicle operating without insurance can lead to enormous expenses in the event of an accident. The market offers many options for choosing the right and worth the money policy since it is necessary and strongly recommended. We bring to your attention valuable pieces of advice on getting affordable and accurate online car insurance quotes from the best car insurance companies Huntington Beach CA through our honest assessment.
To not overpay, you need to know the exact amount of money to afford for insurance payment. There are two categories of shoppers. Those who limit themselves to their state minimums for basic liability and those who can pay for a platinum-type policy. Let us show you the right balance between the two categories and determine affordable car insurance quotes Huntington Beach CA as the most suitable option.
Mentioned below rates are based on a study from the largest car insurance companies in Huntington Beach, CA with using certain driver profiles. These rates here should only be used for comparative purposes, as individual rates will differ. Thus, the rates and averages shown above are only used as an estimate.
The Best Cheap Car Insurance Companies In Huntington Beach CA
The price will differ according to your auto insurance preferences that include the budget and the level of coverage, policy type, insurance company, and other important factors. Below is the list of auto insurance companies in Riverside. These companies offer cheap car insurance Huntington Beach CA.
| Companies | Annual Rates |
| Esurance | $658 |
| Geico | $725 |
| Nationwide | $789 |
| Progressive | $824 |
| Travelers | $839 |
| Allstate | $897 |
| American Family | $965 |
| Liberty Mutual | $1,089 |
| MetLife | $1,172 |
| Farmers | $1,185 |
Esurance is the most suitable company in terms of the cheapest insurance premiums. For comparison, let us say that its annual cost is $1,185 compared to Farmers company that offers to buy an average annual insurance policy as much as 62% more expensive since it is the most expensive auto insurance market player in the city.
Another cheapest auto insurance company in California is Geico. You will pay only $728 annually or only $60 per month on average.
Here is our piece of advice on how you may save money choosing a suitable insurance provider among the best car insurance companies Huntington Beach CA:
- Always do research and do not stop with one insurance provider and compare quotes from different places
- Take advantage of policy bundles
- Compare vehicle safety ratings
- Pass driver training or safe driving. They often provide drivers with discount programs.
Average Cost Of Auto Insurance In Huntington Beach CA
Do you know that Huntington Beach drivers pay 3% less for car insurance? It is 3.4% less than the state average and the national average. The city’s annual car insurance cost is $1,265.
Seek professional help from independent insurance agents to get customized quotes from multiple auto insurance companies. Only in this case can you be sure of getting the coverage at an affordable price.
Huntington Beach Auto Insurance Requirements
Locals have to comply with the minimum requirements for legal driving within the state. For these, they need to purchase auto insurance with mentioned below minimums:
- $15,000 per person and $30,000 per accident in bodily injury liability.
- $5,000 per accident in property damage liability.
Since California is an at-fault state, you will have to pay for all caused damage through your service provider in case if you are found guilty of an accident. Each state has its regulations and enforces different rules. Therefore, without a professional insurance agent, it is hard and confusing to determine requirements and not overpay for auto insurance.
Who Offers The Cheapest Car Insurance Rates In Huntington Beach CA For Married Couples?
It seems unfair, but studies show that single drivers are at twice the risk of having an accident compared to married people.
Mercury, Geico, and Progressive are the most suitable providers for married drivers that offer cheap auto insurance Huntington Beach CA. Their annual rate is $1,329 which is 25% for married couples.
A study made in 2016 in ten major cities of the country by the Consumer Federation of America found two-thirds of the major auto insurance companies have increased their rates by an average of 20 percent. This study also found that premiums for separated, divorced, and single drivers will pay higher than the premiums of their married peers with similar characteristics and driving records.
So why do married couples pay less for their auto insurance? Often having profits and risks in mind, auto insurance companies operate under the assumption that married couples are safe drivers and get into fewer accidents.
Another earlier study of 2005 has found that unmarried people are twice as likely to cause accidents that cause bodily harm than non-married ones. And if to take into consideration age, alcohol intake, sex, driving exposure, the area of residence, their body mass index, and even an occupational status. But despite all mentioned above, it still makes sense to shop around. It is necessary to check as many auto insurance companies in your state as possible. At the end of the day, it will save you a lot of money in the long run. Look at the table below to look for the best car insurance companies Huntington Beach CA with huge discounts for married couples.
| Companies | Married Couple Rates |
| Mercury | $1,529 |
| Geico | $1,648 |
| Progressive | $1,839 |
| Esurance | $1,975 |
| Allstate | $2,189 |
| State Farm | $2,275 |
| Nationwide | $2,362 |
Cheap Car Insurance Quotes For Young Drivers In Huntington Beach CA
Young people between 20 and 25 years old have a higher risk of road accidents. It is better to shop around to find the best five local car insurance companies that provide affordable car insurance quotes Huntington Beach CA. Inexperience inexperienced drivers increase the risk of road accidents; therefore, collision and comprehensive insurance are highly recommended for them. Full coverage for this category of drivers in California will cost an additional $182 monthly.
| Companies | Annual Rates |
| State Farm | $2,189 |
| Travelers | $2,265 |
| USAA | $2,298 |
| Progressive | $2,516 |
| American Family | $2,651 |
| Nationwide | $3,189 |
| Esurance | $3,275 |
Huntington Beach CA Car Insurance For Drivers With A Good Record
Before you get auto insurance at an affordable price, comply with evaluation whether you are a high-risk or low-risk driver. Such liability level will cover your past driving record, driving habits, number of violations, and much more.
People with an excellent driving record get a much better insurance rate than high-risk drivers.
Therefore, your driving history is important for the car insurance provider. The minimum coverage will cost you less than $1,000 within the state. Besides it, you may choose between standard and full coverages that give you more options. You may refer to one of our tables to shop around for cheap auto insurance Huntington Beach CA.
| Companies | Annual Rates |
| Esurance | $896 |
| Nationwide | $945 |
| Progressive | $978 |
| Geico | $1,159 |
| Travelers | $1,196 |
| American Family | $1,235 |
| Farmers | $1,327 |
Cheapest Minimum Coverage For Young Good Drivers In Huntington Beach CA
Below is the table with some companies that can offer the lowest average rates for 20 years old drivers with a clean driving history. There are many insurance discounts that inexperienced drivers could benefit from. For example, a good student discount, or away-from-home discount (if you are on a parent’s policy), or a defensive driving course can be ideal in this case. There are many types of relevant discounts that young talented drivers can benefit from.
| Companies | Annual Rates |
| Progressive | $867 |
| Geico | $935 |
| Esurance | $991 |
| State Farm | $1,067 |
| Travelers | $1,135 |
| Allstate | $1,178 |
| Nationwide | $1,265 |
Best Coverage For Multiple Cars In Huntington Beach CA Car Insurance
This table shows average insurance rates for drivers with multiple cars. Car owners can get discounts if they insure multiple vehicles with the same insurer.
| Companies | Annual Rates |
| Travelers | $2,159 |
| Geico | $2,436 |
| Esurance | $3,678 |
| Allstate | $3,891 |
| State Farm | $4,256 |
| Progressive | $4,892 |
| Nationwide | $5,167 |
Cheap Auto Insurance Quotes In Huntington Beach CA By Age
Age is a major factor for auto insurance companies regardless of the state. Since teenagers are considered to be less responsible drivers, they pay much higher car insurance. Therefore, quotes from car insurance companies for teenagers are three times expensive. Drivers under the age of 25 get in more accidents than older ones; therefore, it is better to pay for the damage in place than paying the cost of repairs out-of-pocket. Middle-aged drivers usually pay low car insurance premiums since insurance companies consider them more safe and responsible behind the wheel. Therefore, the youngest and the oldest drivers pay significantly more than middle-aged drivers. Shop around cheap car insurance Huntington Beach CA, but do not forget that each insurance has an individual approach.
| Age of Driver | Insurance Cost |
| 17-19 | $3,237 |
| 20s | $2,582 |
| 30s | $1,329 |
| 40s | $1,351 |
| 50s | $1,367 |
| 60s | $1,489 |
| 70s | $1,513 |
Note that car insurance rates are based on individual factors. Remember that auto insurance costs decline every year with each of your birthdays. Upon reaching their 50’birthday, drivers can get the best rates. At age 60, however, car insurance expenses increase compared to what drivers see in their 40s.
Cheap Car Insurance In Huntington Beach CA After A Car Accident
We strongly recommend comparing car insurance rates from several companies because each company has different raise rates for crash incidents. Some companies have even higher rates for drivers who caused an incident. Their rates can be more than twice higher compared to an incidental driver who hadn’t caused an accident. Following all said above, you may see that sometimes the average rates of such car insurance companies can reach more than $1,870 annually. Note that the cheapest insurer can become more expensive for you after an incident. Therefore, do not be surprised if your car insurance company was cheaper before your accident. According to statistics in half of the states, drivers switch insurers to get the most possible lower rates after an accident. Therefore, do not forget to look at the table for cheap auto insurance Huntington Beach CA.
| Companies | Annual Rates |
| Esurance | $1,870 |
| MetLife | $1,942 |
| Travelers | $1,976 |
| State Farm | $2,154 |
| Progressive | $2,267 |
| Nationwide | $2,321 |
| Farmers | $2,385 |
Cheap Car Insurance In Huntington Beach CA After A Speeding Ticket
Clean driving history is your ticket to getting affordable car insurance rates. Your insurance cost will be automatically increased after speeding tickets, DUI, and at-fault accidents. Esurance policyholders in Huntington Beach CA, with a speeding ticket, pay $287 more annually compared to those who have a clean record.
Drivers who have been caught speeding in California can find the cheap auto insurance Huntington Beach CA rates below in the table:
| Companies | Annual Rates |
| State Farm | $1,189 |
| Esurance | $1,235 |
| Allstate | $1,276 |
| Travelers | $1,318 |
| MetLife | $1,376 |
| Geico | $1,427 |
| Progressive | $1,476 |
Cheap Car Insurance Companies In Huntington Beach CA For Drivers With Bad Credit Score
There is a significant difference between the credit scores of drivers—a bad score results in a higher insurance premium. A low credit score usually increases the policy rates. Note that many reasons influence your score that results in low or high pay for car insurance. Such factors like age, location, and vehicle are the subject to decide for the insurer regarding your higher or lower insurance premium.
| Companies | Annual Rates |
| Progressive | $1,367 |
| State Farm | $1,518 |
| Travelers | $1,675 |
| MetLife | $1,841 |
| Esurance | $1,972 |
| Allstate | $2,257 |
| American Family | $2,389 |
Cheap Auto Insurance Quotes In Huntington Beach CA For Minimum Coverage
If you cannot afford much, then this type of coverage is more suitable for you. However, it cannot cover all bills during an accident. You may choose at least up to three-car insurance companies below if you are still willing to get the cheapest rate. Even though the cost of car insurance will vary depending on many factors like company, your policy type, coverage amount, etc., always shop around for the cheap auto insurance Huntington Beach CA and do not forget that each insurance case is individual regarding many factors.
| Companies | Annual Rates |
| State Farm | $589 |
| Esurance | $634 |
| USAA | $689 |
| Progressive | $754 |
| Travelers | $792 |
| Allstate | $865 |
| Nationwide | $897 |
Cheapest Car Insurance Companies In Huntington Beach CA For Seniors
Though car insurance rates typically go up at 65. In this regard, seniors should consider many factors like discounts, premiums, and the insurer consultation as well. With many other ways to save money on insurance coverage, discounts for mature drivers are another money-saving method. Taking into consideration the needs and experience of senior drivers in Huntington Beach CA, it is recommended for them to pay attention to discounts given for senior drivers who own a car with advanced features, for those who completed driver safety courses, and even for infrequent senior drivers. Such an approach significantly helps to save money.
Another way to save money is to take a defensive driving course. This category covers drivers at 55 and older. Some classes are taken online from the comfort of your home.
| Companies | Annual Rates |
| Travelers | $1,156 |
| USAA | $1,189 |
| Progressive | $1,267 |
| Geico | $1,298 |
| Esurance | $1,365 |
| MetLife | $1,379 |
| American Family | $1,487 |
Cheap Auto Insurance Quotes In Huntington Beach CA After A DUI
First, it is important to know that customers with a DUI pay an extra $1,536 per year on average. Try to follow auto insurance companies that offer the cheapest car insurance for drivers with recent DUI. This is an aggravating factor that will significantly trim your costs because drivers with a DUI pay an extra $1,536 annually on average.
In the table below, we gathered a list of auto insurance companies with affordable car insurance quotes Huntington Beach CA, for full coverage for drivers with a recent DUI. You may be rejected for coverage, including the companies listed in the table.
| Companies | Annual Rates |
| MetLife | $1,567 |
| Esurance | $1,628 |
| Progressive | $1,695 |
| Allstate | $1,732 |
| Geico | $1,789 |
| Travelers | $1,815 |
| Farmers | $1,861 |
How To Get Cheap Car Insurance Quotes In Huntington Beach CA?
Those who are seeking affordable car insurance quotes Huntington Beach CA, may benefit from certain terms that may help to lower insurance rates. These terms may include specific car equipment, anti-theft devices, or even certain safety systems of your car. Therefore, try to find out if your car qualifies or not. For drivers who are on a budget, there are several ways to get cheap car insurance in California.
- Raise your credit score: Drivers with a low credit score usually pay more for their insurance because they are considered high-risk. The higher your credit score, the cheaper your premium.
- Choose a higher deductible: A deductible is a money that a driver has to pay towards a loss before the insurance company reimburses it—the higher your deductible, the lower your monthly rate. But before the driver must make sure that he or she can pay a higher deductible before changing it.
- Take advantage of discounts: Auto insurance companies offer various discounts that can significantly lower the premium. Every company has its different policy, but there are very common ones like taking a defensive driving course, paying a premium in full, bundling policies, and insuring multiple vehicles as well.
- Get multiple quotes: Always get quotes from several providers. This will increase your chances to pay the lowest rate. With a lower rate, you can get a discount for switching to a new company.
What Are the Different Types In Huntington Beach CA Auto Insurance Coverage?
If you have information about types of auto insurance coverages, then you will easily get affordable rates and choose the right policy. Here is the basis of information about auto insurance types, how they work, and what they cover.
- Gap insurance: Car value is not the same after several years of driving. It depreciates quickly. That is why Gap insurance is the best choice to cover the amount owed on a car loan after a total loss or theft.
- Towing and labor insurance: Available for those who have comprehensive car insurance. This is an ideal way to save money for repair and towing.
- Rental reimbursement insurance: If your vehicle cannot be driven after an accident, then this type of insurance will help you to save money and pay for a rental car. Excellent choice.
- Classic car insurance: This is a specialized coverage designed for vintage and classic car collectors.
- New Car Replacement: If your car is declared a total loss, then this type of coverage will pay the value of the same car.
- Roadside Assistance: Cover all roadside assistance.
- Original Parts Replacement: You will be guaranteed to get only original parts for your car after an incident.
- Liability coverage: This is required in most states within the country. It covers injury and property damage to others.
- Collision insurance: Will cover damage to your car, repair, and replace a covered vehicle involving another vehicle.
- Comprehensive insurance: Covers extra factors in an incident with another vehicle, including vandalism, accidents with animals, or even weather.
- Uninsured motorist insurance: protects drivers and a vehicle against uninsured drivers, including hit-and-run accidents, and is usually paired with underinsured motorist insurance.
- Medical payments coverage: It helps to carry out expensive medical costs after a covered accident, regardless of who is at fault during the accident.
- Personal injury protection: It is important during certain medical expenses and income loss due to an accident. In some cases, it covers as much as 80% of medical and other expenses stemming from a covered accident.
- Major Parts Replacement Coverage: Change or replace parts like tires, brakes, and batteries regardless of wear and tear and depreciation value at the time of the accident.
- Underinsured motorist insurance: protects a driver in the event of an accident with a driver whose insurance is not enough to cover expenses.
Is Huntington Beach CA Auto Insurance A No-Fault?
Any accident caused by a driver imposes a financial responsibility on its effects.
There are three types of regulations that help in getting compensation for losses (medical bills, lost income, property damage, pain, and suffering, etc.) for a pedestrian, driver, or passenger in a car incident:
- A claim under your insurance policy (if you have the right coverage)
- A personal injury lawsuit against the at-fault driver.
- A third-party claim through the at-fault driver’s liability insurance coverage
A driver must turn to a car insurance policy for payment of medical costs and lost income as well, regardless of who was at fault in a no-fault car insurance state.
An injured person must comply with certain threshold requirements to step outside the no-fault auto insurance system and make a claim against the at-fault driver in no-fault states.
Ways to Reduced Rates In Huntington Beach CA Car Insurance
Increase Your Deductibles
Before car insurance, choose a deductible. It is a certain amount; you have to pay before insurance picks up the tab in the event of an accident (any type of damage to the vehicle). Usually, they range from $250 to $1,000. Note that the lower the deductible, the higher the annual premium, and the higher the deductible, the lower the premium.
Your agent will give you a piece of professional advice on how your premium can be affected if you raised your deductible. Therefore, you can put money back in your pocket by making your annual premium better by several percentage points. In case if you do not want to file smaller claims avoiding the risk of pushing up your premium, the deductible raising can be a sensible move.
Consider Switching Auto Insurance Providers
Approach to calculating premiums among insurance companies differ. Even so, it is recommended to get quotes from other providers before you renew, and especially when you notice a major increase in the rates after an accident or a DUI conviction.
Maintain a Clean Driving Record for Several Consecutive Years
A clean driving record is the most suitable and proven way to get your monthly premiums reduced. DUI cited for a traffic infraction or involved in a collision leads to higher insurance premiums.
Here how you can maintain a clean driving record:
- Follow all traffic laws;
- Never drive under the influence of drugs or alcohol;
- Spend less time on the road. This will reduce the risk of crashing or being cited for a traffic offense;
- Maintain your vehicle to avoid the risk of crashing.
Reduce Your Annual Mileage
Spending more time behind the wheel increases the risk of crashing many times and leads to greater liability than low-mileage drivers. Car insurance companies consider high-mileage drivers as a greater liability than low-mileage ones. In such a case, you have the only chance to get your premiums reduced by limiting your annual mileage.
Ask about discounts
Here are some tips taking advantage of discounts on car Insurance
Many car insurance companies offer insurance discounts. However, not every driver is aware of them or even remembers to ask about them. Ask your insurance broker or at least be proactive as a car insurance consumer. Such an attitude will save you a lot of money.
Auto discounts can be broken down into three categories:
- Discounts Related to the Driver or Drivers
- Discounts Related to the Vehicle
- Discounts Related to the Policy
You may combine some discounts and save even more money.
- It is better to pay a six-month or even the entire annual premium.
- Bundle auto insurance with other policies, for example, with homeowners’ insurance.
- It will be much better for you to insure multiple cars with one policy.
- Try to have a clean driving record.
- Always give your permission that will help you receive documents online.
- Own a car with certain features like anti-theft or safety ones.
- Compare rates from multiple insurers.
Purchase A Vehicle That Is Cheap to Insure And Is Rarely Involved in Accidents or Claims
Such important for auto insurance companies factors like a model year and make of a car have significantly affected your car insurance rates. The reason is obvious. Different cars vary according to the rate of accidents and theft as well. This means that one car might be more of a liability to insure than the other.
Advice. Always try to buy a car that is rarely involved in claims or accidents. The cheapest cars are considered those with less horsepower. Usually, these cars are less likely to be involved in speed-related collisions.
Opt for Less Car Insurance Coverage
Less insurance coverage would certainly reduce premiums. If a driver is found to be at fault (or if the at-fault driver is uninsured), then he might wind up in overwhelming debt if his or her insurance coverage is insufficient.
A good idea to purchase liability coverage exceeding the state’s minimum limits and to add uninsured motorist coverage matching the limits of a driver’s liability coverage. These few saved dollars each month will lead to major savings.
Good Drivers Car Insurance Discounts In Huntington Beach CA
Car insurance companies love talented drivers! Their offers are not limited to premium discounts to people who don’t get any tickets for moving violations or get into any accidents for a certain period (usually for at least three years). Other standard discounts include:
- Full Pay
- Multiple Car
- Multiple Policy
- Talented Student
- Resident Student
- Accident-Free
- Vehicle Safety
- Anti-Lock Brake
- Anti-Theft Device
- Home Ownership
- New Car
- Passive Restraint
- Utility Discount
Car Insurance Huntington Beach CA Questions And Answered
What affects auto insurance rates in Huntington Beach CA?
- Gender
- Credit history
- Other non-driving factors
What Happens If My Car Is Not Properly Insured in California state?
Locals whose car is not properly insured will be contacted by the state to provide proof of insurance. It can happen even if your car has already been insured. Often it happens due simply to a clerical error or a wrong digit in the vehicle’s Vehicle Identification Number (VIN). There will be no claims against you once you provide the correct information or get insurance and provide proof according to the instructions in the letter. If you do not provide your state with proof of insurance, the registration of your vehicle will be rejected. The further possible accident will bring you more trouble.
If my pets are traveling with me and we are in an accident, are they covered?
According to most insurance policies, pets’ injury covers only not the at-fault driver. If so, then the other driver’s property damage liability (PD) will cover pets’ injuries. Your pet is your property; therefore, auto insurance companies consider all damage other than bodily injury to humans as property damage.
You should know that there is a company available that will provide you with pet coverage regardless of who is at fault. With your interest, you can always call an independent agent to find out what is available for your pet.
Does My Auto Insurance Cover Rental Cars?
Yes, when a car is damaged due to an accident.
Is California a No-Fault state?
No, California is not a no-fault state. Depending on the state you reside in, only accident investigators or police may determine which vehicle caused a crash and a party at fault as well. You should strongly define the difference between a no-fault state and a “fault” or “at-fault” state. Drivers that caused an accident in a fault state are subject to be sued by the other party for whatever pays his or her auto insurance company. Drivers from a no-fault state caused an accident cannot be subject to be sued by the other party. Here, only his or her auto insurance company covers the losses. Usually, it can happen to drivers who carry the minimum insurance. As a fact, this amount is not enough to cover all losses. Especially it is important where drivers or a driver waived uninsured motorist coverage.
WHAT IS PROPERTY DAMAGE LIABILITY COVERAGE?
It is coverage to another person’s car or property when you are at fault for an accident.
How will certain jobs affect my coverage?
The coverage will depend on questions about your driving habits and the distance that you commute to work or school, the type of work that you do. While applying for a car insurance policy, companies ask specific questions. We have already mentioned some above. Be prepared that your future policy may exclude certain lines of work. Work-related to any kind of delivery function or, for example, work-related to sales will be excluded by an auto insurance company. You will not get coverage even if you already have it at an excluded function until you get into an accident.
Does California Accept Digital Insurance Cards?
Yes, California accepts digital insurance cards since it is a list of states that allow them. This is a very convenient service and time-saving service. When you must quickly prove your insurance, you can use your smartphone, for example, in a crash. Check if it is available with your company.
How Does a Car Insurance Deductible Work?
When you get a car insurance policy, you’ll choose your coverage limits and deductible. In a case of a car accident, pay a deductible before you get coverage from your policy. Its amounts can range from $250, $500, and $1,000. If you choose a high deductible, it can lower your car insurance rate: the lower deductible, the lower out-of-pocket costs.
Despite all the information, statistics, and analyses provided, everyone must draw certain conclusions for themselves on how to correctly and inexpensively purchase car insurance in Huntington Beach, CA. Each case for auto insurance is unique in its way. In order not to empty your pocket and competently approach the choice of cheap car insurance in California, we recommend studying carefully the best car insurance companies Huntington Beach CA, provided in the tables. You should note that the best choice would be to consult with an insurer. The desire to save money should not prompt you to decide unconditionally and in a hurry. Shop around following your characteristics like age, marital status, violation rating, available financing, and much more.
