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Cheap Car Insurance in Huntington Beach, California

Nicknamed “Surf City USA,” the coastal city of Huntington Beach is considered part of the Los Angeles-Anaheim metro area where you have lots of choices for cheap car insurance. Home to an estimated at 201,000, it is best known for it beach culture and nearly 10 miles of sandy shoreline. Tourism is an important industry, and the city hosts competitive surfing and sand volleyball events annually.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Huntington Beach, CA. Come get your free customized auto insurance quote today!

Driving Conditions in Huntington Beach

Interstate 405 runs along the eastern boundary of Huntington Beach while the Pacific Coast Highway skirts its western edge. Freeways in Orange County, particularly the 405, are congested during rush hours and locals report better luck using side streets.

Compared to the average national commute time of roughly 25 minutes, Huntington Beach does have a longer time at 30 minutes, according to Census Bureau data. A slightly smaller percentage of residents report having a “super-commute” of 90 minutes or more, however.

An easy-to-use, real-time traffic congestion map is available from the Orange County Register at

Unique Laws in Huntington Beach

Orange County enforces “quiet hours,” meaning construction is prohibited on Sunday sand federal holidays. In addition, “noise sources associated with construction activity are prohibited between the hours of 8 p.m. and 7 a.m. on weekdays.”

“Pedestrian scrambles” are a series of crisscross, diagonal cross walks that allow pedestrians to cross in any direction, including diagonally, at the same time while signals stop all traffic.

On mountain roads, when two vehicles meet on a steep road where neither vehicle can pass, law dictates that the one facing downhill must yield the right-of-way by backing up until the car going uphill can pass.

Huntington Beach Crime Statistics

Huntington Beach has low rates of both violent and property crime. The city had 373 cases of auto theft in 2015, FBI crime data shows, or a rate of 183 incidents per 100,000 people. The national average for the same year was a rate of 220 per 100,000 people.

Crime maps, most wanted information and victim assistance can be accessed at

Huntington Beach Safety Requirements

California requires children younger than 2 are secured in a rear-facing safety seat, unless he or she is over 40 pounds or at least 40 inches tall. All children under age 8 or less than 4 feet 9 inches tall must ride in a federally-approved restraint system. Driver and all passengers are required by California laws to wear seat belts. As of 2017, drivers may not use a hand-held device while driving even to access GPS; GPS systems must be mounted within the car. Minors may not use cellphones while driving unless in an emergency.

Huntington Beach Impaired Driving Laws

According to the California Highway Patrol, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than .08 percent. For drivers under the age of 21, the limit is 0.01 percent. For those driving vehicles requiring a CDL, the BAC is .04, whether they have a CDL or not. If arrested, a driver may immediately lose his license and be issued a temporary one for 30 days. He or she may request a DMV administrative hearing within 10 days. On a first conviction, an offender would lose his license for 6 months and must complete a DUI program, file a California Insurance Proof Certificate and pay all fees before reinstatement.

Starting in 2019, a DUI offender must install an ignition interlock device on his or her vehicle for a specified period to get a restricted driver license or to reinstate a license.

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Car Insurance Huntington Beach, California Agents

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  • Allstate- Nottoli Insurance Agency, Inc


    Sharon Nottoli Professional, fast, fair, friendly. We are a 30 year allstate agency and we know how important it is to balance value, coverage, and price. Let us help get you correctly covered before you have an accident. We make it easy to do business with us either by phone, email, or in person. 24/7 we are here for you!

    What makes your specific agency stand out from your competition? We are huntington beach locals, born and raised here. We work in hb...We live in hb...We have kids in hb schools. We support surf city! We are happy to be of service, and help you save on insuring your family's security.

    • Discount and Special Program offered Good Driver Discount Multi-policy Discount Teen Smart Discount Good Student Discount Professionals Discount 55 And Retired Discount Low Mileage Discount

    • License Type

      Casualty Broker Agent

    • License Number


    18632 Beach Blvd Ste 205
    Huntington Beach, CA 92648

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    Thank you so much for everything. You have no idea how much I appreciate you taking care of everything so quickly. I will most definitely send referrals your way. Once again, thank you so much! Lori L.

    The good advice I received from Sharon and her team was priceless. Thank you!

  • Number 1 Insurance


    Mike Welcome to number1 insurance marketing services. We are an independent insurance agency, which means we have made available some of our best companies for your online quick quotes. we service the huntington beach areas and throughout the state of calif

    17111 Beach Blvd # 103
    Huntington Beach, CA 92647

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    Number One Insurance was easy to work with and get car insurance quickly. I wasn't very knowledgeable but they got me a good deal and price.


  • Target Up Insurance


    Guy Richards Cheap car insurance & sr22 insurance in ca! low cost auto insurance programs for dui, bad driving record or young driver. we specialize in high risk auto insurance and can help anyone! 30 years of service! service areas: riverside, corona, perris, moreno valley, san bernardino, norco, temecula, hemet, murrieta, chino, anaheim, orange, costa mesa, fullerton, huntington beach, santa ana, san diego, los angeles, garden grove, fontana, victorville

    What makes your specific agency stand out from your competition? We never charge you make policy changes. When you call us to add a car or driver, out of pocket cost to you is zero! because cheap auto insurance now, shouldn't cost you later!

    • Discount and Special Program offered $50 Dollar Voucher Online At

    • License Type

      Property And Casualty

    • License Number


    Unknown, But Not At This Address.
    Huntington Beach, CA 92647

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  • Sarah Atkinson - State Farm Insurance


    Sarah Atkinson Our mission is to help the people of california manage the risks of everyday life, recover from the unexpected and realize their dreams. We seek to be the first choice for all of your huntington beach and california insurance needs. We focus on auto insurance, home insurance, life insurance, health insurance and business insurance throughout california, including huntington beach, westminster, fountain valley, seal beach and all of orange county.

    What makes your specific agency stand out from your competition? Excellent customer service and attention to detail. Sarah and her team really care about their customers.

    • Discount and Special Program offered Fast Service. Excellent Customer Service.

    • License Type


    • License Number


    5061 Springdale St Ste 101
    Huntington Beach, CA 92649

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  • Carl Ferraro - State Farm Insurance Agent


    Carl Ferraro Serving huntington beach and surrounding orange county with great rates on car insurance, truck insurance, motorcycle insurance, commercial auto insurance and more

    What makes your specific agency stand out from your competition? The carl ferraro agency is a second generation state farm office. We offer excellent customer service and great rates on all lines of auto insurance. Call us, click our site, or stop in our office for a free rate quote. We look forward to serving you!

    • License Type

      Property & Casualty

    • License Number


    17011 Beach Blvd Suite 826
    Huntington Beach, CA 92647

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  • First Beneficial Insurance Services


    Dave Mcnaughton First beneficial insurance services was formed to provide an alternative for clients who were looking for the best coverage for their needs, not the coverage best suited for their insurance company. We've been able to form relationships with many of the industry's leading companies, and we're able to give our clients an advantage when shopping for insurance coverage by leveraging those relationships. We gather the information regarding our client's needs, and then we shop for the best coverage and/or pricing available given those needs. We then compare the policies we've found and present our findings to the client to make an educated decision based on the comparisons of competing companies, versus presenting the policies offered by the single company a captive agent would be providing. There is never any pressure at first beneficial insurance services, just honesty and integrity. Give us a call for a free no hassle quote today!

    What makes your specific agency stand out from your competition? First beneficial insurance services is a full service agency. We offer auto, home, life, commercial, business liability, renters, boat, rv, classic car, mortgage protection, pet insurance, workman's comp, and much more to our customers. Contact us with your insurance needs to find out why our clients are considered family. Located in california and family owned and operated we pledge to put our client's benefits first when obtaining insurance policies to protect our client's property and assets. Let us provide you with free, no hassle quotes and earn your business. Come join the first beneficial insurance services family of clientele! Call us today!

    • Discount and Special Program offered Policy Bundle Discounts Available

    • License Type

      Property And Casualty


    • License Number



    19071 Suva Ln
    Huntington Beach, CA 92646

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  • Andrew Arnold

    18582 Beach Blvd Ste 204
    Huntington Beach, CA 92648

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    When i went ahead and met Cindy at her office she explained what insurance coverages i needed very well. She provided me with the adequate insurance at a very good price. She was very kind and offers great service... I would highly recommend her!

  • Dan Marshall Insurance Agency

    18700 Beach Blvd Ste 160
    Huntington Beach, CA 92648

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    My family has had Dan Marshall as their State Farm agent for over 34 years. He has been exceptional: every accident that we have had, he and his staff has been there. Recently, I moved back from Texas to California, and Kim in Dan's office helped me transfer my Texas State Farm policy to a local Huntington Beach policy. I expected to pay more: but I am paying close to 40% less for the same coverage, mostly because Kim understands State Farm policies and my needs. They really understand the intricacies of State Farm car and home policies and explained them so that we could understand. I have had other good State Farm agents in Seattle, Dallas, and Houston, but Dan and his staff has been the best.

  • Dianne Thompson

    17011 Beach Blvd Ste 101
    Huntington Beach, CA 92647

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    This agent is unprofessional! Do not waste your time with this office. The entire staff is incompetent and has no idea what they're doing. David lacks experience in this field. He is too new at this to manage himself let alone an agency. I've taken my business to another state farm agent after only one month of service because they screwed up so much here! I now get the best service I could imagine!

    I can only say I am satisfied with my insurance coverage and costs. As of yet, I have not had to make any claims, so I am unable to say how that would go. (good thing). I have been given quotes that would save me money, to a point of being interested in changing, but the switch has not been convenient enough to change my loyalty. I don't mind paying a little more IF I am assured I will be taken care of if (and only if I hope) I am ever in need of any claims being filed. I guess it is peace of mind at this point. Thank you for your excellent customer service.

  • Number 1 Insurance

    17111 Beach Blvd Ste 103
    Huntington Beach, CA 92647

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    Number One Insurance was easy to work with and get car insurance quickly. I wasn't very knowledgeable but they got me a good deal and price.


  • Ongko Insurance Agency

    17111 Beach Blvd Ste 205
    Huntington Beach, CA 92647

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    Number One Insurance was easy to work with and get car insurance quickly. I wasn't very knowledgeable but they got me a good deal and price.


  • Select Auto Insurance Services

    17485 Beach Blvd
    Huntington Beach, CA 92647

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    Best broker i have ever used. And the cute girls behind the desk are a help

  • Spencer Noteboom

    7094 Edinger Ave
    Huntington Beach, CA 92647

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    I've been insured with Spencer for 30 years and am very happy with his performance on all issues related to insurance.

  • Steve Rashoff

    2120 Main St Ste 140
    Huntington Beach, CA 92648

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    I've been shopping around for insurance lately and came across Steve's office. The rates we're very competitive but his staff is what has sealed it for me. Everything I have needed has been handled promptly and thoroughly. This guy knows what he's doing.

    Highly recommended to anyone looking for insurance.

  • Sun Vista Insurance Services

    21062 Brookhurst St Ste 104
    Huntington Beach, CA 92646

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    I have utilized Sun Vista Insurance to obtain auto, personal property, and homeowners insurance. I have dealt with them for years, and as my needs have evolved, they have always made it relatively simple to adjust my insurance to fit any changes. I highly recommend them.

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Auto body shops Huntington Beach, California

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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