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Best cheap car insurance in Huntington Beach for 2022

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Huntington Beach is a relaxed California beachside community, but several intersections in the town are the busiest — and potentially riskiest — intersections in the county. Driving without car insurance in Huntington Beach could leave you financially and legally exposed if you are involved in an accident.

If you are on a tight budget, consider this: the average annual cost of car insurance in Huntington Beach is $796 for minimum coverage and $2,023 for full. In most cases, paying $70 per month for minimum coverage is the least you should do to legally drive. However, your vehicle lender or leasing company will likely require you to have more expensive full car insurance as long as the vehicle is leased or financed.

Fortunately, found that some of the best car insurance companies in Huntington Beach have lower annual premiums than the citywide average.

Best car insurance companies in Huntington Beach

The following carriers are a combination of best and cheapest car insurance in Huntington Beach. To create the shortlist, we looked at customer ratings from the annual independent study by J.D. Power, the number of options and discounts each carrier makes available and average quoted cost.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Grange NR $555 $1,919
AAA 848 / 1,000 $610 $1,864
Geico 828 / 1,000 $618 $1,666
Mercury NR $679 $1,604


Grange Insurance has the best car insurance in Huntington Beach for drivers who need minimum coverage. If you own an older vehicle with a lower value, the required minimum liability insurance may be all you need. Minimum coverage is only $555 per year on average, although your rate may vary based on your driving history and other factors. Even if you opt for full coverage with Grange, you may find savings by signing up for driver tracking through the carrier’s OnTrack Program. Once you are enrolled, you may earn a reduction on your premiums based on your driving habits.

Learn more: Grange Insurance review


Joining the Auto Club of SoCal comes with a fee of $53, but there are things you get for the cost. There is roadside assistance, in-house DMV assistance, travel services and exclusive member discounts on hotels, flights and more. And then there is AAA auto insurance. The carrier is the highest rated of all four of the best car insurance companies in Huntington when it comes to customer satisfaction. Premiums are also affordable — basic coverage is $610 per year on average while full car insurance comes in at $1,864 per year. You can always add gap insurance, rideshare coverage and other add-ons for complete protection when you are on the road.

Learn more: AAA Insurance review


Geico provides reliable coverage at a great price — full car insurance is the second-cheapest of the four carriers at $1,666 per year. The carrier has an extensive list of discounts that help you get the lowest rates possible. They include occupational discounts based on your employer or type of work, good student discounts, reductions when you set up autopay and more.

Learn more: Geico Insurance review


Mercury has expanded over the years from its origins as a SoCal insurance company providing coverage for new or high-risk drivers. Besides basic coverage and SR-22s, full car insurance is also available. In fact, Mercury’s full car insurance is the cheapest of all carriers at only $1,604 on average per year. In addition, you can add rideshare coverage if you decide to take on a side hustle driving for Uber or Lyft.

Learn more: Mercury Insurance review

Cheapest car insurance in Huntington Beach

Huntington Beach vehicle owners will find that the cost of coverage falls in line with the state’s. California’s average annual full insurance premiums are $2,065 compared to Huntington Beach’s $2,023. California rates in general are more expensive than the national average of $1,674 per year. However, some carriers have premiums that are lower than the averages you would expect to pay. They are:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $610 $1,864
Geico $618 $1,666
Mercury $679 $1,604
Nationwide $705 $2,078
State Farm $744 $1,948

Keep in mind that AAA’s rates may be slightly cheaper, but do not include the $53 cost of membership before you can access coverage. For no frills-coverage, Geico and Mercury provide cheap car insurance for full and minimum insurance. Nationwide and State Farm have the best digital presence, with strong mobile apps and plenty of online support.

Depending on personal factors including age and driving history, any of the five carriers offering the cheapest car insurance in Huntington Beach could be a good choice. Getting quotes from several to compare is the best way to find the best car insurance in Huntington Beach.

Huntington Beach insurance requirements

To legally drive in Huntington Beach, you will need a minimum of 15/30/5 liability insurance. It means:

  • $15,000 of death/bodily injury per person
  • $30,000 of death/bodily injury per accident
  • $5,000 for property damage

Keep in mind that you would be responsible for any losses over the limit you set for coverage. If you have minimum car insurance and cause more than $5,000 in damage to a vehicle, you would have to pay the excess out of pocket. Insurance experts recommend raising your policy limits above the minimum requirement by purchasing as much insurance as you can afford in order to protect yourself and your financial assets.

Car insurance discounts in Huntington Beach

Most car insurance companies in Huntington Beach offer policyholders potential discounts for a variety of things such as early payments and being claims-free. Once you lock in the carrier of your choice, look for additional savings through discounts including:

  • Youth and good student: Younger drivers face the highest insurance premiums of all age groups due to their inexperience and could benefit most from car insurance discounts. Look for discounts based on your age or schooling to potentially save.
  • Bundling: If you have home or renters insurance already, adding vehicle coverage with the same carrier may lower all your premiums.
  • Autopay: Setting up automatic payments is a good way to make sure you do not forget to pay your insurance bill and end up lapsing in coverage. You may also get a discount for automating your payments.
  • Safe driver: Safer drivers typically pay less for coverage because carriers see them as less likely to file a costly claim. If you have a clean driving record for at least one year, be sure to request a safe driver discount.

Of the discounts mentioned, youth and safe driver discounts may have the biggest impact on your insurance premiums. However, you can stack savings by taking advantage of all the discounts mentioned and more.

Frequently asked questions

What is the best car insurance company?

There are several top car insurance companies, all with their own strengths and weaknesses. To find the best carrier, get quotes from a few to compare rates and policy options to decide. If you are not sure where to get started, quotes from AAA, Geico, Mercury and Grange may be the lowest for Huntington Beach drivers.

How much car insurance do I need in Huntington Beach?

The minimum amount you will need to legally drive in Huntington Beach is liability insurance for $15,000 or more in death/bodily injury per person, $30,000 per accident and $5,000 for property damage. However, raising the limits above the minimum will provide you with better financial protection in case of a serious accident.


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN,, and
Edited by
Insurance Editor