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How much is car insurance in Huntington?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Huntington are about $57 a month cheaper than in the rest of New York.
That being said Huntington residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $61 more expensive than the national average to insure your vehicle in Huntington.
Keep in mind that these are the average auto insurance rates for Huntington, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Huntington to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $102 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Huntington drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Huntington, where women pay around $17 less per month. As you can see in the chart above, car insurance for women in the area typically costs around $130 each month, while men pay $147 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. The rate for drivers in Huntington with a single accident on their record is about $164 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$84|
|15 Years or Older||$139|
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. 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)||$159|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Huntington can be as much as $28 a month, so it's worth taking into consideration.
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 situation. If you rent your home or apartment in Huntington, expect to pay around $23 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Huntington, NY
Recent trends in car insurance for Huntington drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Huntington, the rates for car insurance dropped from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $126.
How does Huntington compare to neighboring areas?
Why are car insurance rates in Huntington different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Amount of drivers in the region
- Amount of off-street parking
- Crime levels
- Road Safety (total number of local car accidents)
- Regional laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Huntington?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing plans in Huntington.
Huntington Insurance FAQs
What factors affect car insurance quotes in Huntington?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Huntington different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Huntington?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huntington?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Huntington or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?