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How much is car insurance in Huntington?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Huntington is about $49 cheaper than it is in the rest of New York.
On the other hand, the expected monthly payments for an auto insurance policy in Huntington are above the national average. The average monthly payment for the rest of the U.S. is about is about $69 cheaper than it is in Huntington.
While these are the average car insurance rates for Huntington, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've broken down average rates for Huntington to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $37 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Huntington.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Huntington, the difference comes out to about $27 per month. As you can see in the table above, female drivers in the area typically pay $130 on average, while female drivers typically pay $157 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Huntington, a driving record with a single accident will usually get you a rate around $164 a month.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$148|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Huntington, with drivers paying around $37 per month to insure their vehicle.
Car owners, on the other hand, usually pay around $170 a month, while SUV drivers can expect to pay about $108 per month for auto insurance.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Huntington, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$158|
On average, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Huntington as well, where the difference is around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
Another factor that comes into play is your housing status. Drivers who own property in Huntington can expect to pay around $42 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Huntington, NY
Recent trends in car insurance for Huntington drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Huntington, auto insurance rates had been decreasing from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $182.
How does Huntington compare to neighboring areas?
Why are car insurance rates in Huntington different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Frequency of car accidents
- Total number of drivers in the community
- Off-street parking access
- Prevalence of crime
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Huntington?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Huntington.
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Huntington Insurance FAQs
What factors affect car insurance quotes in Huntington?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Huntington different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Huntington?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huntington?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Huntington or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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