Table of contents
How much is car insurance in Huntington?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Huntington are in line with rates across the rest of West Virginia.
Similarly, drivers in Huntington may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $6 cheaper than it is in Huntington.
Keep in mind that while these are the average car insurance rates for Huntington, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 payment amount.
Don't sweat it however, we've broken down average rates for Huntington residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up a bit in Huntington.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Huntington is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. Drivers in Huntington with a single accident on their record will usually see rates around $154 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $197 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$223|
|15 Years or Older||$66|
In Huntington, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $61 per month for auto insurance.
Car owners will see a monthly rate of about $80, while SUV owners by and large pay around $110 per month.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Huntington, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
More often than not, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Huntington is no exception, with the difference totaling to around $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$57|
Your housing situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Huntington can expect to pay around $43 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Huntington, WV
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 before picking an insurance policy.
The cost of car insurance coverage in Huntington decreased from 2016-2017, before leveling out in 2018. Car insurance rates finished down in 2021, at $84 a month
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 coverage, car insurance companies will review several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking availability
- Rate of crime
- Area regulations
- Amount of drivers in the region
- General road safety (how many accidents each locality has)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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?
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.
Don't worry, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Huntington in no time.
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 age and gender but also factors like your driving record, credit score, address 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 local laws, crime rates, and parking situations 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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. 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.