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Cheap Car Insurance Huntington, WV

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Key takeaways

  • In Huntington, the average cost of car insurance is $1260 per year.
  • The average cost of car insurance in West Virginia is $9 more than in Huntington.
  • On average, Progressive is the cheapest car insurance company in Huntington. However, it would be best if you always compared quotes to find the best rate for you.

How much does car insurance cost in Huntington?

Car insurance costs the average West Virginian $1260 per year. But, just like in other big cities, insurance quotes in Huntington are often much higher than in the rest of the state.

Most traditional insurers set their rates based on your age, gender, marital status, and ZIP code, among other things. Since your demographics don't show how dangerous you are as a driver, wouldn't it make sense to look for an auto insurance company in Huntington that gives responsible drivers lower rates?

Even though car insurance in Huntington is often expensive, it doesn't have to be. You could save up to $971 a year on car insurance by using Way.com. Way.com can get quotes from over 200 top-rated car insurance companies in seconds. Get a car insurance quote.

Need insurance for your car in Huntington? The Way.com mobile app is easy to use and makes it simple to get a quote. And with our app, you can handle coverage, claims, and important documents from your phone.

Huntington vs West Virginia vs National Average

Huntington (annual) West Virginia United States Average
$1260 $1269 $1557

Huntington Auto Insurance Premiums by Company

The price of car insurance can vary from one insurance company to another. That's because each insurance company puts a different amount of weight on things like your driving record and credit score. Even though the following car insurance companies have, on average, the cheapest premiums, you should always compare quotes.

No one company in Huntington has the best price for everyone. So if you just moved or want to make sure you have the best coverage, the best thing to do is compare quotes from different companies.

Use Way.com to find the best price for you right now.

Company Average Annual Rate
Progressive $936
Allstate $1008
Nationwide $1440
State Farm $1548

Huntington Auto Insurance Premiums by Age group

The more time you've spent driving, the more experienced you are as a driver. When it comes to paying for car insurance, that experience can help. As you can see, drivers between the ages of 20 and 30 pay more than drivers over 65.

About once every ten years, your monthly premium should go down. When you reach retirement age, however, your rates in Huntington may go back up a bit.

Age tier Average Yearly Rate
20s $2016
30s $1764
60s $1578

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Huntington Auto Insurance Premiums by Marital status

On average, married people will pay a little less for car insurance. This is usually because you have more than one car on the same policy, which some companies will reward with a discount.

On average, married drivers pay less for car insurance across the country than single drivers.

Marital Status Average Annual Rate
Single $2016
Married $2196
Divorced $1008
Widowed $1440

Huntington Auto Insurance Premiums by Gender

On average, female drivers pay a little less than male drivers. The difference in Huntington is about $360 annually. From the table below, you can see that women drivers in the area pay an average of $1692 per year, while men pay an average of $2052 per year.

Gender Average Annual Rate
Female $1692
Male $2052

Huntington Auto Insurance Premiums by Driving Record

No matter why you got a ticket, even small traffic offenses can significantly affect your insurance rate, especially if you get more than one. And if you get a major ticket (like a DUI), your insurance company might call you a "high-risk driver." Worst of all, that label can sometimes stick with you for years, even if you've changed your ways and are now a good driver.

Even if your driving record isn't great (like, really bad), you can still get the policy you need by adjusting your rates and coverage.

Incident/Violation Average Yearly Rate
DUI/DWI $2412
Reckless Driving $3222
At-fault Accident $2592
Speeding Ticket $1932

Huntington Auto Insurance Premiums by ZIP Code

Rates will vary by zip code, so your neighbor two blocks away could have a rate that is completely different from yours.

Why? The simple answer is the rates of accidents and crimes against property. Maybe your zip code puts you near a busy road with a lot of accidents, or maybe you live in a place where cars are often stolen. For example, in Huntington, drivers in the 25702 and 25705 zip codes usually pay the most for car insurance, while drivers in the 25703, 25704, and 25701 zip codes pay the least.

What would increase your car insurance rate in Huntington?

Marshall University and the Huntington Museum of Art are well-known in Huntington, West Virginia. Unfortunately, auto insurance rates in Huntington, WV, are rising because more drivers are on the road, and it costs more to fix cars. Because of this, locals need to work with an auto insurance company that gives discounts for safe driving.

Let's look at what makes Huntington car insurance so expensive -

  • Liability coverageis the minimum required by law. It pays for other driver's repairs and medical bills if you cause an accident.
  • Comprehensive insurance pays for repairs to your car that aren't caused by a crash (e.g., vandalism, natural disasters, or theft)
  • Collision insurance pays for the costs of fixing your car after it hits another car or a fixed object.

So, how much car insurance is required in West Virginia?

West Virginia drivers must have at least $25,000 in coverage for injuries to people, $50,000 in coverage for injuries to people per accident, and $25,000 for property damage.

But those are just the bare bones of what you must do to avoid breaking the law. If you get into an accident, the state minimum insurance might not cover all of your costs. This is especially true if you or anyone else in your car gets hurt or if your car gets a lot of damage.

That's why most experts say you should have more insurance than the minimum required by law. As we've already said, a "full coverage" policy usually includes liability coverage, collision coverage, comprehensive coverage, and coverage for uninsured or underinsured drivers.

You can also look into special add-ons that fit your situation, vehicle, and other needs. For example, do you drive a lot on lonely back roads? Coverage for towing and labor could help you get out of a jam. Use a ride-sharing service? Make sure you buy ride-sharing insurance. You can even get special insurance for your car's sound system if it's high-end.

Auto theft statistics in Huntington

The rate of auto thefts has increased in Huntington with each passing year. While in 2017, about 375 cars were reported missing; in 2019, about 414 cars were reported stolen.

Accidents Statistics in Huntington

Car accidents are, unfortunately, a part of driving, but the number of accidents varies from city to city and state to state. In West Virginia, drivers in Huntington have the 17th most car accidents per driver.

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Auto insurance in Huntington

West Virginia law says that if you own a car and drive in the state, you must have car insurance and meet certain minimum coverage amounts. West Virginia requires all drivers to buy auto insurance from a licensed company to do business in the state. This insurance must cover liability and uninsured/underinsured drivers. Minimum coverage requirements include:

Minimum liability coverage:

  • $25,000 for injuries to the body (per person)
  • $50,000 for Injury to the body (per accident – multiple people injured)
  • $25 000 for damage to property

Minimum coverage for uninsured and underinsured drivers:

  • $25,000 for injuries to the body (per person)
  • $50,000 for Injury to the body (per accident – multiple people injured)
  • $25 000 for damage to property

You might want to buy more than the bare minimum of coverage. Even though it will raise your monthly premium, more coverage will protect you better in case of an accident.

Even though West Virginia doesn't have any rules about Comprehensive, Collision, or other coverages, you should consider how much you could pay to fix your car if it got damaged. If you buy extra insurance, you could save a lot of money if you get into an accident or if something bad happens to your car.

For example, Collision insurance can help you pay for repairs after a minor accident, and Comprehensive insurance can help you save money if an expensive part of your car is stolen. In addition, you should think about the following types of extra insurance coverage:

West Virginia law says you must show insurance proof if you are pulled over for a traffic violation or after an accident. The good news is that West Virginia will accept proof of insurance on a cell phone. You can quickly and easily pull up your insurance cards in Way.com's mobile app.

Tips for Driving in Huntington

The Oregon border of Huntington is between I-84 and the Snake River. In the area, you can see parts of the original Oregon Trail, like an old cemetery for people who didn't make it. These days, the best way to ensure you're a safe driver in Huntington is to get the best car insurance.

Driving Conditions

  • Wind - S 11 km/h
  • Wind Gusts - 10 km/h
  • Humidity - 71%
  • Cloud Cover - 45%

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

Is car insurance expensive in Huntington WV?

Car insurance in Huntington is cheaper than the rates in West Virginia. It is also cheaper than the national average of $1557. The average cost of car insurance in Huntington, West Virginia, is $1260 per year.

How much is car insurance in Huntington?

The average cost of car insurance in Huntington, West Virginia, is $1260 per year.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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