Huntington Beach Insurance Rates:

Huntington Beach, CA home insurance is approximately $568 to $770, about $47-$64/month. Our exhaustive guide shows customers can save as much as $267 by getting different quotes

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Read Huntington Beach, California Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Huntington Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $520/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $595,000

4 Beds, 4 Baths 2290 sqft Primary Residence Constructed In 1972 with Wood Flooring, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $580/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $480,000

3 Beds, 3 Bath 1850 sqft Rental Property Constructed In 1975 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $780/7 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $560,000

4 Beds, 4 Baths 1690 sqft Vacation Property Constructed In 1981 with Carpet Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $620/6 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $670,000

4 Beds, 4 Baths 2400 sqft Rental Property Constructed In 1990 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/1 month for $900,000-$1,000,000 Coverage
Policy Holder Home Details :

Home Value : $715,000

4 Beds, 4 Baths 1680 sqft Primary Residence Constructed In 1971 with Linoleum, Metal Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Huntington Beach, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92648 $772,000 $710
92649 $672,800 $690
92646 $605,700 $680
92647 $600,100 $680

Huntington Beach Rates & Quotes Analysis:

Huntington Beach Area Estimated House Insurance
Saltwater Cir, Encino Cir, Venus Dr, Via Carona Dr, Vintage Ln, Villanova Cir, Industry Way, Vista Bahia Dr, Beachcomber Dr, Amalia Ln$674
Fiji Ln, Sandra Ln, Poppy Hill Dr, Cape Coral Ln, Regency Dr, Oceanport Ln, Rushmoor Ln, Calle Parque Dr, Rebel Cir, Seine Dr$None
Gold Cir, Maui Cir, Lockhaven Cir, Zamora Ln, Dellglen Cir, Libra Cir, Trout St, Enterprise Ln, Highland Ln, Toledo Ct$673
Randi Ln, Kingswood Ln, Artista Dr, Tarpon Dr, Cieza Cir, Jean Dr, Utica Ave, Tidewater Cir, Cortside Cir, Eden St$639
Bridgewater Dr, Meer Cir, Dollar Dr, Lemontree Ln, Tideland Ln, Calneva Ln, Berlark Cir, Five Harbors Dr, Kampen Ln, Oldglen Ln$632
Canterbury Dr, Bass Dr, Seahorse Ln, Nile Cir, Oceanus Dr, Lotus Ln, Dovewood Dr, Quintana Ln, Oakgrove Cir, Bonnie Dr$653
Autopark Dr, Tamarisk Cir, de Ville Cir, Steeplechase Cir, Charleyville Cir, Chance Cir, Barber St, Preakness Dr, San Doval Ln, Tyrone Cir$683
Burnham Cir, Salmon Ln, Lurline Dr, Georgia St, Santa Irene St, Park Path Dr, Potter Cir, Lochlea Ln, Colonial Cir, Palo Alto Dr$688
Triton Ln, Business Dr, Sinclair Ln, Zeider Ln, Rhine Cir, Trophy Dr, Halawa Dr, Sandalwood Cir, Flower Ln, Rumsey Ln$654
Edgebrook Ln, Nordina Dr, Bay Crest Cir, Fox Cir, Breda Ln, Bell Cir, Mount Demeter Cir, Shadow Ln, Wenlock Cir, Stone Cir$679

Insurance rates are influenced by a number of factors including:

  • Year Built: 24,820 Homes (31% of total homes ) built between 1970 to 1979 in Huntington Beach are paying home insurance between $1,084-$1,094. Places close to Huntington Beach, CA such as Rossmoor, Central Coast, Newport Beach are more expensive by $47, $37, $95 respectively while North Coast and Midway City are cheaper by $14 and $69 respectively for similar homes.
  • Bedrooms: 21,171 2 bedrooms homes (27% of total homes ) in Huntington Beach are paying about $195. Areas near to Huntington Beach such as North Coast, Rossmoor, Los Alamitos are costlier by $3, $8, $5 respectively whereas Midway City and Westminster are more economical by $7, $9 respectively for similar homes.
  • Auto Insurance Bundling: 12,838 Households (28% of all households) in Huntington Beach have 3 or more vehicles available and when it is bundled with home insurance you can save $167 and differs from North Coast ($165), Fountain Valley ($166), Midway City ($156).
  • Senior Discounts: 24,399 seniors (more than 55 years) occupied housing units (54% of total) in Huntington Beach get discounts between $100 to $102 compared to North Coast ($99), Midway City ($93), Westminster ($96).
  • New Homes discounts: New homes such as the 12,982 homes built between 2000 to 2009 in Huntington Beach can save $133 compared to North Coast ($132), Fountain Valley ($132), Midway City ($125).

Huntington Beach Homeowners insurance Facts

  • Huntington Beach, CA has 44,529 owner occupied houses which is 60.1% of all units whereas North Coast, Fountain Valley and Midway City have 61.5%, 71.72% and 43.68% respectively.
  • Huntington Beach, CA homeowners yearly insurance price at $669 is 0.1% of the typical house value of $638,100 which is in contrast with 0.11% in North Coast, 0.11% at Fountain Valley & 0.17% in Midway City.
  • Homeowners in Huntington Beach, CA pay 0.89% of their income ($75,000 or more) in insurance whereas homeowners in North Coast, Fountain Valley and Midway City pay 0.88%, 0.89% and 0.83% respectively.
  • Huntington Beach, CA’s insurance is 2.0% of monthly housing costs of $2,828/month, for owners with a mortgage compared to 2.07% in North Coast, 2.14% at Fountain Valley & 2.66% in Midway City. But, for households without a mortgage, insurance is 10.7% of costs ($520 in Huntington Beach, CA) in contrast with 11.68% in North Coast, 12.32% at Fountain Valley & 17.1% in Midway City.

Huntington Beach, CA Home Values & Insurance rates

For example, insurance for 225 Homes (2.0% of total homes ) valued between $175,000 to $199,999 in Huntington Beach, CA is about $194. Rates in nearby areas in such as Central Coast, Newport Beach, North Tustin are cheaper by $35, $64, $35 respectively while North Coast and Fountain Valley are costlier by $17 and $5 respectively for similar homes.

Huntington Beach, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 939 11.0% $20
$50,000 to $59,999 513 6.0% $53
$60,000 to $69,999 263 3.0% $66
$70,000 to $79,999 182 2.0% $73
$80,000 to $89,999 170 2.0% $86
$90,000 to $99,999 106 1.0% $93
$100,000 to $124,999 401 4.0% $113
$125,000 to $149,999 268 3.0% $140
$150,000 to $174,999 278 3.0% $167
$175,000 to $199,999 225 2.0% $194
$200,000 to $249,999 1,000 12.0% $234
$250,000 to $299,999 1,241 15.0% $287
$300,000 to $399,999 2,632 32.0% $361

Renters Insurance in Huntington Beach

  • Average Renters Insurance in Huntington Beach :  $51($4/month)

  • Median Gross Rent in Huntington Beach :  $1,549

  • Huntington Beach Renters Insurance to Median Rent Ratio:  0.26%

  • Average household size of renter-occupied unit :  2.57

Huntington Beach Renters Insurance as a Percentage of Rent

Huntington Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 319 1.0% $762
$300 to $499 327 1.0% $1212
$500 to $749 377 1.0% $1887
$750 to $999 1,382 4.0% $2637
$1,000 to $1,499 11,149 38.0% $3762
$1,500 or more 15,432 53.0% $5412

Rent Affordability in Huntington Beach:

Approximately 42.0% (12,448) of households are spending more than 35% of their income on gross rent in Huntington Beach

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,464 8.0%
15.0 to 19.9 percent 3,321 11.0%
20.0 to 24.9 percent 4,538 15.0%
25.0 to 29.9 percent 4,038 13.0%
30.0 to 34.9 percent 2,708 9.0%
35.0 percent or more 12,448 42.0%

Huntington Beach Renters Insurance Discounts:

Huntington Beach Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Huntington Beach, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 11,776 39.0% $5.1
2 vehicles available 11,549 39.0% $7.65
3 or more vehicles available 4,565 15.0% $10.2

Huntington Beach Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 2,019 6.0% $154
60 to 64 years 1,411 4.0% $123
65 to 74 years 1,275 4.0% $100
75 years and over 1,624 5.0% $77

Protective device discount in Huntington Beach Up to :  $7

Claims-free discount in Huntington Beach Up to :  $10