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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
The average cost of car insurance in Huntington Beach, California, is $102 per month for liability-only coverage, while full coverage averages $188 per month, according to Insurify data.
Rates in Huntington Beach are lower than in the Los Angeles metro area, where average liability insurance rates are $148 per month. More inland in Fountain Valley, liability rates are slightly higher, at $110 per month.
Huntington Beach has a much smaller population than Los Angeles, with roughly 191,000 residents, and its traffic patterns are similar to those in Fountain Valley.[1] The average commute time is 28.4 minutes in Huntington Beach and 26.0 minutes in Fountain Valley. Both cities are also near Interstate 405.
Liability-only car insurance costs an average of $102 per month in Huntington Beach. California’s car insurance requirements include minimum liability limits of $30,000 for bodily injury liability per person, $60,000 bodily injury per accident, and $15,000 in property damage liability.[2]
This is the basic coverage that only pays for damage and injuries you cause to others. For more protection, you can choose full-coverage insurance in Surf City.
In the table below, find the cheapest rates for liability-only car insurance in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Liability policies average $102/mo.
Full-coverage car insurance in Huntington Beach costs an average of $188 per month. That’s lower than in some other California cities. For example, in nearby Long Beach, full coverage averages $226 per month.
A full-coverage policy can make sense for drivers who regularly travel on major corridors like Beach Boulevard (state Route 39) and the Pacific Coast Highway (PCH). Heavy traffic in these areas can increase the risk of collisions.[3] [3]
In addition to California’s required liability coverage, full coverage includes collision coverage and comprehensive coverage.
In the following table, you can check out which companies offer the most affordable full-coverage car insurance in California.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
Car insurance premiums vary by location and can change significantly, depending on where you live in the Golden State. Santa Maria has the lowest average car insurance rates in California, while Glendale has the highest.
Average car insurance rates in Huntington Beach are on the lower end and match the California average of 149 per month. But they’re slightly higher than the national average of $142 per month.
Local factors such as population size and lower vehicle theft may contribute to differences in car insurance costs between cities. For example, Huntington Beach has a smaller population than Santa Ana. Additionally, it had 238 motor vehicle thefts in 2025, compared to 682 in Santa Ana, according to California Department of Justice data.
Here are the average monthly quotes across California cities.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Huntington Beach, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntington Beach, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Whether you have a clean record or not can make a major difference in the cost of car insurance. Here, you can see the cheapest car insurance companies in Huntington Beach for people with different driving records:
Cheapest car insurance for Huntington Beach drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Huntington Beach: USAA
Cheapest car insurance for Huntington Beach drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Huntington Beach: USAA
Because California is an at-fault state, the type of incident on your driving record also affects your auto insurance premiums. Drivers with clean records qualify for the best rates. After a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction, rates typically increase.
In Huntington Beach, a first-time DUI conviction can result in fines ranging from $400 to $1,000. You could also face up to six months in jail and three to five years of probation.[4]
The table below shows the average monthly quotes in Huntington Beach for drivers with incidents on their records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $145 |
| Speeding ticket | $184 |
| At-fault accident | $186 |
| DUI | $197 |
Driving around certain parts of Huntington Beach, particularly the PCH and Main Street, can be challenging due to the heavy traffic and many pedestrians.
Whether you’re headed to the beach or downtown, parking can also be difficult. If you’re going to the beach, you must pay a fee to access some lots. The Main Promenade Parking structure offers 830 parking spaces, and the first 90 minutes are typically free.
Be aware that Huntington Beach gets especially crowded during the summer and holiday weekends. Plus, the city has also hosted the US Open of Surfing since 1959.[5]
The weather is inviting, and it often feels like summer year-round. Although sunny days are the norm, Huntington Beach faces a moderate risk of flooding during periods of heavy rainfall.[6]
On any given day, the Pacific Coast Highway and Beach Boulevard are busy with traffic. That traffic swells during the busy summer months with people looking for surf and sand. The view is nice, but congestion and potentially higher accident rates could affect car insurance rates.
Huntington Beach is a hotspot — especially during summer holidays like the Fourth of July and Labor Day. Over the years, the city has also had many DUI incidents. In 2023, the city recorded 504 DUI arrests, according to the California Office of Traffic Safety.[7] The average commute time in Huntington Beach is 28.4 minutes, according to U.S. Census data.
Save money on a policy in Huntington Beach
Teen drivers generally pay substantially more for auto insurance because of their limited driving experience and risky driving behavior. In 2023, 11.5% of fatalities in car crashes in California involved a driver aged 20 or younger, according to the National Highway Traffic Safety Administration.
In Huntington Beach, teens can get their learner’s permit at 15 and a half. Liability policies for Huntington Beach teens average $182 per month, and full-coverage policies average $335 per month.
The data below shows the cheapest car insurance rates for teenage drivers in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $119 |
| Aspire General | $125 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $131 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $166 |
| Bristol West | $178 |
| Anchor | $180 |
| Farmers | $183 |
| Kemper Special | $184 |
| State Farm | $193 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $217 |
| First Acceptance | $275 |
| Chubb | $363 |
Huntington Beach, with its good weather and inviting beaches, is a draw for retirees. In fact, 19.4% of residents are 65 or older, according to the U.S. Census data. Senior drivers in Huntington Beach pay monthly averages of $93 for liability coverage and $171 for full coverage.
Below, you can find which insurance companies offer cheap liability car insurance in California for senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $55 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $64 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $72 |
| Farmers | $76 |
| Anchor | $78 |
| State Farm | $82 |
| Root | $83 |
| Travelers | $87 |
| Bristol West | $87 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| First Acceptance | $140 |
| Chubb | $140 |
Learn more about average costs and how to get affordable car insurance in Huntington Beach.
The average cost of car insurance in Huntington Beach is $102 per month for liability coverage and $188 for full coverage, according to Insurify data.
USAA is the cheapest car insurance company in Huntington Beach, with an average monthly rate of $64 for liability-only coverage.
If you’re looking for the best auto insurance quotes in Huntington Beach, it’s best to compare quotes from several insurance companies. Consider bundling policies like auto and home insurance and taking advantage of eligible savings, such as a safe driver or good student discount.
Factors that affect the cost of car insurance in Huntington Beach include driving record, location, coverage options and limits, and age. The city’s traffic, crime, and theft patterns in your area may also affect your rates.
California car insurance requirements include $30,000 in bodily injury liability per person, $60,000 per accident, and $15,000 in property damage liability. Many drivers purchase more for additional protection. You can find cheap full-coverage car insurance in Huntington Beach by shopping around.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
