Insurance Costs in Huntington, WV
Auto insurance in Huntington averages $1,521 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Huntington, WV: What You Need to Know
Huntington residents pay an average of $1,521 per year for full coverage auto insurance, which is 5.0% above the West Virginia state average and 9.1% below the national average.
With a population of 46,842, Huntington is a growing city in West Virginia. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,521 | $127 |
| Standard Coverage (50/100/50) | $1,247 | $104 |
| State Minimum (25/50/25) | $639 | $53 |
Homeowners Insurance in Huntington, WV
The average cost of homeowners insurance in Huntington is $1,337 per year ($111/month), which is 26.5% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Huntington, WV
Renters insurance in Huntington averages $180 per year ($15/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other West Virginia Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Charleston | $1,521/yr | $1,482/yr |
| Morgantown | $1,333/yr | $1,380/yr |
How to Save on Insurance in Huntington
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Huntington can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Huntington, WV?
The average cost of car insurance in Huntington, WV is $1,521 per year for full coverage, or about $127 per month. Minimum coverage costs around $639 per year.
Is car insurance expensive in Huntington?
Car insurance in Huntington is relatively affordable compared to many U.S. cities.
How much is home insurance in Huntington?
Homeowners insurance in Huntington costs an average of $1,337 per year. Your actual cost depends on your home's value, age, construction type, and specific location.