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The average cost of renters insurance in Huntington Beach, CA is $235 per year (for insurance coverage of $40,000 in personal property coverage, $100,000 in liability coverage, and $1000 as deductible) — that’s $22 less than the state average of $257 a year.

It can be higher or lower depending on the coverage options you choose and the amount of liability the policy provides. If you live in a rented apartment or home, you should consider buying renters insurance because it protects your personal belongings from damage caused due to covered peril such as fire or smoke damage, theft, vandalism, and other mishaps.

We did a thorough analysis of renters insurance companies to find the most affordable options for Huntington Beach renters. Keep reading to find out the cheapest renters insurance companies in Huntington Beach.

What is the average cost of renters insurance per month in Huntington Beach?

On average, the cost of renters insurance in Huntington Beach is $20 a month. It’s $1 less than the state average of $21. Renters in Huntington Beach pay these rates for the coverage limit of $40,000 personal property coverage, $1,000 deductible and $100,000 liability protection coverage.

The renters insurance rates vary by city depending on your insurance provider and the coverage limits you decide. For example, renters in Huntington Beach pay $16 per month for personal property coverage of $20,000 and $1,000 deductible. However, if you decide to increase the personal property coverage limit to $40,000, you will pay $4 more for renters insurance.

Now, you’ll have to decide how much coverage you need and how much you can afford. However, it is recommended, if your personal belongings consist of expensive jewelry, furniture, and electronics, you should choose higher coverage limits.

How much is renters insurance in Huntington Beach by deductible?

The renters insurance cost in Huntington Beach is $199 per year for a $500 deductible and $20,000 as personal property coverage. A deductible is an amount you agree to pay before your insurance company kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same, i.e., $20,000, but you increase your deductible limit from $500 to $1,000, you will pay $10 less every year for insurance.

Below are the renters insurance rates for different personal property coverage and deductible amount.

Deductible$20,000 personal property$40,000 personal property$60,000 personal property

Note: The liability protection coverage is $1,000.

Read our guide to know what does renters insurance cover.

Who offers cheap renters insurance in Huntington Beach?

Your search for the cheapest renters insurance company ends here.

Auto Club Enterprises (AAA) offers the cheapest renters insurance in Huntington Beach at about $152 a year or $13 per month. According to data analysis, Mercury Insurance ranks second on our list followed by USAA (Note: USAA offers home insurance only to members of the military, veterans and their immediate families.).

Our experts at evaluated renters insurance quotes from all the big and small insurance companies in Huntington Beach and put together a list of the most affordable insurance carriers. Below are the average annual and monthly rates of the cheap renters insurance companies across Huntington Beach, CA.

Renter insurance providerAverage annual rateAverage per month rate
Auto Club Enterprises (AAA)$152$13
Mercury Insurance$155$13
State Farm$174$15
CSAA Insurance (AAA)$200$17

Methodology, with the help of Quadrant Information Services, gathered data for renters insurance rates in Huntington Beach for $40,000 personal property coverage, $100,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment.