Car Insurance in Huntington, WV
Understand your options for car insurance in Huntington, WV.
Situated on the Ohio River, Huntington is a central point where West Virginia, Kentucky, and Ohio meet. Incorporated in 1871. the community benefitted from its riverside location and the Chesapeake and Ohio Railway. The city has grown into an economic and cultural epicenter that connects its surrounding three states. Surrounded by the western foothills of the Appalachian Mountains, Huntington enjoys a plethora of natural scenic beauty.
Huntington's population is 45,746. according to the Census Bureau. It's part of the Huntington-Ashland metro area, with an estimated population of 354,304. The area's median household income is $50,739, increasing by 5.52% in the previous 12 months. Many residents work in healthcare, retail trade, education, manufacturing and food service. Local higher education options include Marshall University and Ashland Community and Technical College.
The Tri-State Transit Authority provides public transportation in the Huntington metro area. While it operates Monday through Saturday, it does not offer service on Sunday. Many residents commute by car, spending an average of 24.1 minutes driving to work or school. With personal automobiles as a primary mode of transportation, it's essential to have car insurance in Huntington, WV. VIU by HUB streamlines insurance shopping with an easy-to-use digital platform.
West Virginia requires all drivers to carry liability insurance and uninsured motorist coverage. Liability includes claims against you for bodily injury and property damage. Uninsured motorist coverage pays for losses if you're in an accident with an at-fault driver without insurance. West Virginia law specifies several minimum coverage limits :
Underinsured motorist coverage is not required but highly recommended. This indemnity protection pays for your losses if the at-fault driver in an accident does not have enough coverage.
Comprehensive and collision insurance are not required in West Virginia, but including them on your auto policy is still wise. Collision coverage handles claims for accidents with other vehicles or objects like buildings and signs if you are the at-fault driver. Comprehensive pays for everything else, including damage from fire, water, hail, high winds, falling objects, theft, vandalism and animal collisions.
Hutington drivers face several risks on the roads. With its humid subtropical climate, the city receives an average annual snowfall of 7.2 inches and rainfall of 34 inches. Primary weather-related risks come from thunderstorms, heavy rain and flooding.
Collisions with animals are also common in the area. West Virginia ranks first in the nation for deer-related auto accidents. The state's Department of Transportation revealed that 10,618 deer and 15 bears hit between January and November 2023.
Huntington drivers pay an average annual rate of $1,603 for full coverage. While that figure is close to the state's average, it's significantly less than the typical nationwide yearly premium of $2,104. Your rates may differ depending on factors such as your vehicle's make, model and value. Safety features in your vehicle can lower premiums, while factors such as driving history, credit scores, age, gender and marital status may increase or decrease them.
Shopping for car insurance in Huntington, WV, should be easy. With VIU by HUB, you get access to multiple insurers simultaneously. You can quickly compare prices, coverages and options, and then buy your policy online.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
