Cheap Car Insurance in Huntington, WV

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Sep 13, 2021

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Are you in need of cheap auto insurance in Huntington, WV? With, you will discover the lowest cost insurance policy locally. To get free car insurance estimates from the best providers immediately, type in your zip code into the quote box in this posting.

Huntington is conveniently located in the tri-state area, just across the Ohio and Big Sandy Rivers bordering Ohio and Kentucky, respectively. The city’s classic architecture and century-old historical districts give the area a certain nostalgic charm missing from large urban centers. It is also the home of Marshall University.

  • Fun fact: If you want to be entertained in Huntington, you’re in luck, because the city is ranked #50 on the list of “Top 100 cities with strongest arts, entertainment, recreation, accommodation and food services industries (pop. 50,000+)”! Learn more about Huntington by visiting here.

Auto Insurance Coverage Requirements in West Virginia

Driving legally in Huntington requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Uninsured motorists are a big problem in some areas. And West Virginia is no exception. This particular type of coverage is mandatory for all drivers who wish to drive legally within the state of West Virginia. But what many motorists may not know is that Uninsured Motorist coverage can also protect you if the driver hits you and runs, or if they don’t have sufficient insurance coverage to pay for all of their financial liability in the event that they cause the accident.

Can you believe that some West Virginia drivers are paying the outlandish price of $210 or more just on their West Virginia car insurance bill? Thankfully, Huntington residents can lower that down to $45/mo* or less by taking advantage of deals going on right now.

Average Monthly Auto Insurance PremiumsLegend: Huntington Erie State Farm Nationwide Allstate Sentry 51015202530354045505560$27$40$46$51$61


Between State Farm and Erie, it’s hard to find a lower rate in Huntington right now. But these numbers generally only apply to the average driver. If you have a lot of speeding tickets, or if you have a lapse in your insurance coverage, you may be required to pay a higher rate.

Organizations which offer auto insurance plans evaluate many variables while determining insurance rates, among them marital status, accident claims, type of vehicle owned, years of driving experience, and multiple cars and drivers. Also don’t forget that premiums might alter from carrier to carrier. To ensure you are still being charged the best fee, check cheap Huntington auto insurance prices on the web.

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Major Car Insurance Factors in Huntington

When your auto insurance company prepares to craft your insurance plan, they take many factors into consideration. Some of these, for instance your age or maybe your precise location, usually are unfeasible to change. Some other factors are:

Your Zip Code

Automobile insurance providers want to know your location (or the place you will likely be driving usually) to be able to figure out the odds of a vehicle accident. The whole thing amounts to a simple notion: the greater the human population, the greater amount of vehicles you will encounter on the streets, and therefore the more prospects you may have to crash into or get collided by yet another vehicle. The population of Huntington is actually 49,177 plus the common family income is $30,090.

Auto Insurance by Zip CodeLegend: Charleston Huntington Morgantown Parkersburg Wheeling Erie State Farm Nationwide Allstate Sentry 51015202530354045505560$25$27$22$20$22$39$40$32$34$36$46$46$41$45$45$48$51$43$46$45$61$61$53$60$52


Automotive Accidents

Whenever the rate of serious or fatal accidents in an area is too high, insurance providers will automatically raise rates on all motorists in that area. But there are ways to lower your payments if you feel unfairly taken advantage of by this action. Talk to your provider, and see if they offer safe driving discounts for people with clean records.

Fatal Accidents in Huntington, WVLegend: Huntington Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 2468101271127122


Auto Thefts in Huntington

Dwelling in a large city (chiefly any having a high rate of crime) raises your potential for being a victim for auto thieves. In cases where your overall locale features high rates of claims for theft, you will probably spend more for car insurance to be able to counteract these costs. The complete number of thieved motor vehicles in 2007 was only 297 for Huntington. And although there might not be any updated information on these statistics in recent years, that doesn’t mean you should take theft lightly. Comprehensive coverage is about the only thing that can financially protect you if your vehicle is stolen.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Erie State Farm Nationwide Allstate Sentry 20406080100120140160180200220$27$64$40$106$46$90$51$144$61$229


Your Credit Score

Are you a West Virginia driver who is worried about your credit score? Well, you have good reason to be. Insurance companies will raise your rates based on sub-optimal credit scores. But if you pay your bills on time and consistently, you will eventually get lower rates.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Erie State Farm Nationwide Allstate Sentry 102030405060708090$20$50$41$66$38$54$45$71$54$96


Your Age

Young people, unfortunately, have to build up driving experience over time before an insurance company will trust them with lower rates. For this reason, anyone under the age of 25 will struggle to find affordable prices. Just keep your grades high if you are still in school, and talk to your agent about discounts for additional driving courses. This can help lower your bill somewhat.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Erie State Farm Nationwide Allstate Sentry 255075100125150175200225250275$27$95$40$153$46$196$51$199$61$279


Your Driving Record

For some providers, your driving record can mean a lot, especially if your record has a storied past. But past tickets and accidents don’t have to substantially raise your rates if you have Accident Forgiveness on your policy. But since not all providers offer this discount yet, you’ll have to shop around to find providers in your area who do.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie State Farm Nationwide Allstate Sentry 1020304050607080$27$21$32$26$40$53$71$49$46$51$86$64$51$58$69$74$61$75$63$82


Your Vehicle

It can be difficult to pay the expensive premiums required to carry insurance on an expensive, luxury vehicle. It can also be difficult to find an insurance company which will let you purchase insufficient coverage on an expensive automobile. So evaluate your finances accordingly before making such extravagant purchases.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Erie State Farm Nationwide Allstate Sentry 153045607590105120135150$27$77$40$140$46$97$51$164$61Do Not Sell


Minor Car Insurance Factors in Huntington

West Virginia Drivers will also need to consider these factors:

Your Marital Status

Are you married? Are you taking advantage of all of the bundling discounts you are eligible for? If not, then you may be paying more than you should for not just your automotive insurance, but also for other types of coverage, such as home owner’s or motorcycle insurance.

Your Gender

There is no real scientific evidence to justify charging drivers different rates based on what type of anatomy they were born with. In some states, this form of discrimination isn’t permitted, so providers charge men and women the same. In other places where it is permitted, the difference is rarely more than a percentage point or two.

Your Driving Distance to Work

Driving around Huntington doesn’t come with the annoying gridlock you may find in larger cities. Trips usually only last about 10 to 15 minutes each way, and more than 75% of residents prefer to travel alone with their own vehicle. Another 12% prefer carpooling with coworkers, and as many as 5% may even walk to work on any given day.

You can get a discount for driving fewer miles each year. However, you have to significantly reduce your daily mileage by over 15 miles or more just to see a 305% discount.

Your Coverage and Deductibles

Raising your deductible can produce a lower rate on your monthly bill if you decide to change that aspect of your coverage. But make sure you prepare beforehand. After all, you don’t want to be stuck in the difficult position of needing to pay a high deductible and not having the cash on hand to do so.

Education in Huntington, WV

The majority of citizens in Huntington fall into two different groups: those who have completed all four years of high school to earn a diploma (around 32% of the population), and those who have yet to complete their secondary level of education (20%). But did you know that missing out on a higher education can cost you money on your auto insurance? This is because providers offer lower rates to drivers that have advanced degrees.

Three major universities, including Marshall University, Marshall Community and Technical College, and Huntington Junior College, all call Huntington their home. MU is by far the largest school and has been recognized as a “best buy” in education by US News and World Report. Additionally, MCTC and HJC are both excellent schools for busy adults who are looking for an associate’s degree or vocational training.

Car insurance is probably one of the most critical purchases you will make as a consumer. You’ll want to make sure you find a genuine, responsible vendor who is able to follow through on their promises. Some car insurance providers happen to be greater at this than the others, and performing a thorough internet hunt will let you split the favorable from the inadequate.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


West Virginia Office of the Insurance Commissioner

West Virginia Division of Financial Institutions

Department of Highway Safety and Motor Vehicles

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