Cheapest Auto Insurance in Huntington, West Virginia (2025)
State Farm offers the cheapest car insurance rates in Huntington, starting at $36 per month.
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Written byGeoff Williams
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27+ years writing about personal finance
Bylines in numerous notable publications
Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Drivers in Huntington, West Virginia, pay an overall average of $126 per month for car insurance, according to Insurify’s proprietary data — which is higher than the state average of $116.
The exact amount you’ll pay for auto insurance depends on a number of rating factors, including your driving record, gender, age, your insurance company, and the type of policy you have. Here’s how to compare quotes and shop for cheap car insurance in Huntington to find the best coverage for you.
Quick Facts
The average cost of car insurance in Huntington is $95 per month for liability coverage and $157 per month for full coverage.
State Farm is the cheapest insurer for full-coverage car insurance in the Mountain State's second-largest city, with a monthly rate of $60.
West Virginia requires uninsured motorist coverage.[1]
3 of the cheapest car insurance companies in Huntington
Dozens of car insurance companies offer coverage in Huntington, West Virginia, but the company you should ultimately choose will depend on your situation and insurance needs. The lowest-priced insurers may not be your best option.
Below, you’ll find three companies with the lowest car insurance premiums in Huntington for a few different categories.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $55 | $32 | Overall |
| USAA | 9.4 | $66 | $38 | Military members and families |
| Erie | 9.0 | $67 | $39 | Drivers with at-fault accidents |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer overall: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.2
Best choiceBased on 10,174 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,605)
Charlotte
March 24, 2025
Verified Review
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
David
March 24, 2025
Verified Review
Good
They're just alright, but they keep increasing my insurance for no apparent reason.
Troy
March 24, 2025
Verified Review
Unjustified Increases
I don't appreciate the continuous increases without any reason or explanation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest auto insurer in the country, controlling roughly 17% of the auto insurance market. It offers standard insurance coverages, like liability, collision, and comprehensive. It also offers uninsured motorist coverage and medical payments coverage, as well as other additional coverages.
Pros
A++ (Superior) financial strength rating from AM Best, the highest level possible
Mobile app makes for convenient account management
Discounts available for bundling auto with home, renters, or life insurance
Cons
Accident forgiveness not available
Gap insurance not available
May not be cheap option for drivers with poor credit or incidents on their records
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $72/mo |
4.9
Best choiceBased on 1,833 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,055)
Charles
March 24, 2025
Verified Review
An Irritated Customer at CD
The pricing settlement for older vehicles in good condition is very poor. As a master technician, I keep my vehicles in excellent condition. However, when I had an accident, my high-mileage vehicle was undervalued, not considering its mechanical condition. Despite replacing most of the drivetrain components, suspension parts, and the A/C & heating components, my vehicle was valued thousands of dollars less. I was denied the proper settlement I was due. I repaired all the damage post-accident, finished the cosmetic issues, and even repainted the entire vehicle. I sent pictures to claims to verify the upgraded condition. Unfortunately, it seems most insurance companies use similar tactics to obtain a good salvage price, and they are quick to total vehicles, thereby robbing their customers of the true value. Apart from not having a local agent to discuss these issues, I remain a customer of USAA, even after they raised my homeowners insurance by over $2500 in one increase. This is a tough pill to swallow on a fixed income.
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is one of the most reliable insurers in the country — its only major drawback is that it’s only available for active-duty military members, veterans, and their families. The company consistently earns high ratings from J.D. Power in the Mid-Atlantic region and offers a variety of discounts.
Pros
Very affordable premiums
Savings of up to 30% possible with SafePilot telematics program
Many available discounts
Cons
Only available to members of the military community
Gap insurance not available
Limited customer service: doesn’t offer 24/7 live customer support over the phone
Best insurer for drivers with accidents: Erie
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
4.0
Best choiceBased on 293 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (156)
Harold
March 21, 2025
Verified Review
Erie Works For Me!
I have a good relationship with them!
Helen
March 21, 2025
Verified Review
Excellent
Erie excels in all aspects of their service and coverage.
Donna
March 20, 2025
Verified Review
Brokers are not the way to go…find a company who values your needs
I’m not sure if it's Erie Insurance or the Insurance Company representing them that's the issue. At the insurance company, you seem to get bounced around with no knowledge of what's going on. They or Erie seem to feel they can make changes within your policies without your knowledge. Your premiums increase every year without a claim, but when your bill goes up 38 3/4% ($600.00) without a claim, even though they have gone up steadily every year, it’s time to go. When you call in, they say it is beyond their control and blame it on everyone else. Then instead of trying to help you, they try to sell you more! When you tell them that will make your premium higher, then they want you to up your deductible to lower your bill. When you tell them you only want to insure your home for what it's worth, they insist they have to insure it for what it would cost to replace it. I’m not replacing it! You never hear from them until you get your next year's bill in the mail and are expected to just pay it. When I first got my policies, I was told I was being directed to an agent that could help me. I thought this was my agent! I found out 8 years later that this person was just in customer service who set up my policies! I could have done that myself online! When I asked who was my agent, I had never met or heard her name before. My premiums were paying someone’s paycheck that I never knew or heard of or more importantly never met or knew me. An agent is supposed to have an interest in a client and work in their best interest (this obviously is not the case). Is this why so many things are written into policies that do not even pertain to or are needed by some clients? We end up paying for things in policies that do not even involve us! When I was tossed to the owner's son because I wasn’t happy with the rate increase, he was arrogant and the one trying to sell me more or increase my deductibles which still would not bring the price down to where it needed to be. So they lost that policy completely. Insurance is meant to be for comfort knowing you have it in case of a fire or disaster. Not for a claim because you had a shingle blow off your roof. Hire someone & get it fixed! You never hear from them until you get your next year's bills in the mail and are expected to just pay it. Insurance is out of control! You should be able to get a policy written for exactly what you want and need. I don’t want to buy a package with a bunch of things in it that I don’t want or need because it has one thing in it that I want and they say it is the only way it is sold. Get people in the insurance business who are willing to work for the clients in order to get them exactly what their needs are. Yes, I am finding lower premiums on auto insurance as well (which they told me recently I would not be able to do).
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie is a reliable and affordable super-regional auto insurer, operating in 12 Eastern and Midwest states, as well as Washington, D.C. It offers favorable premiums for teenage drivers and drivers with speeding tickets, making it a solid option if you’re a high-risk driver.
Pros
Offers RateLock guarantees, which ensure your premiums won’t increase
Rating of 878 out of 1,000 in J.D. Power’s 2023 U.S. Insurance Shopping Study
Many available discounts
Cons
Available in only 12 states and Washington, D.C.
Fewer discount options than many competitors
You can't buy a police or file a claim online
How to get the cheapest car insurance in Huntington
Cheap car insurance rates depend on a number of factors, such as your driving history, the insurance company you choose, and how much coverage you need.
If you’re looking for cheap rates, try the following strategies:
Reduce your coverage. Liability-only insurance is always going to be cheaper than full coverage. But it does mean that you, instead of your insurance policy, will have to pay for your own repairs and medical bills if you damage your vehicle.
Comparison shop. Getting quotes from different insurers is a great way to secure cheap insurance rates. Compare quotes from at least three different insurers to get the best results.
Ask about discounts. Ask your insurance agent about discounts that they can recommend to help bring your rates down.
Bundle your auto insurance with your home insurance. Many insurance companies offer significant bundling discounts, which could save you a good amount on your policy.
Keep your driving record incident-free. Maintaining a clean driving record is the best way to keep your car insurance rates cheap, as safe driving indicates to insurers that you’re not likely to file a claim.
“Auto rates have been rising,” says Loretta Worters, vice president of media relations at the Insurance Information Institute. “These rate increases have to do with labor shortages, supply chain issues, and general inflation. So the best thing a consumer can do is shop around to get the best prices.”
Find Cheap Car Insurance in Huntington
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Huntington: State Farm
Liability-only car insurance will protect you financially if you’re at fault in an accident and you do damage to another person’s car, or the other driver and passengers are injured. If you’re hurt or your car is damaged, liability coverage wouldn’t cover those expenses.
The average cost of liability insurance in Huntington is $95 per month. The following table highlights the cheapest car insurance companies for liability-only insurance in Huntington.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| USAA | $43 |
| Erie | $44 |
| GEICO | $65 |
| Progressive | $77 |
| National General | $79 |
| Nationwide | $81 |
| Root | $85 |
| Direct Auto | $87 |
| Allstate | $90 |
| Clearcover | $94 |
| CSAA | $98 |
| Dairyland | $106 |
| Foremost | $107 |
| Liberty Mutual | $137 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Read More: The 10 Best Car Insurance Companies
Cheapest full-coverage car insurance in Huntington: State Farm
Full-coverage car insurance offers everything that liability coverage offers, as well as collision and comprehensive coverage. Collision provides reimbursement after collisions with other vehicles or stationary objects like trees and light poles. It also covers rollover accidents and pothole damage. Comprehensive covers non-collision events, including vehicle theft, vandalism, fire, and damage from severe weather events.
The average cost of full-coverage insurance in Huntington is $157 per month. The following table shows the cheapest car insurance companies in Huntington for full coverage.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $60 |
| USAA | $72 |
| Erie | $73 |
| GEICO | $110 |
| Progressive | $130 |
| Nationwide | $137 |
| Root | $144 |
| Allstate | $152 |
| National General | $162 |
| Clearcover | $182 |
| CSAA | $186 |
| Direct Auto | $191 |
| Liberty Mutual | $228 |
| Foremost | $244 |
| Dairyland | $284 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Huntington, West Virginia
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $55/mo for full coverage in Huntington and other West Virginia cities.
*Quotes generated for Insurify users in and around Huntington, West Virginia within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntington, West Virginia within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in West Virginia
West Virginia requires drivers to register their vehicles, carry a minimum amount of car insurance, and keep proof of insurance carried in their vehicles at all times. Drivers must carry at least the following insurance coverage amounts to drive legally in West Virginia.[1]
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage
West Virginia requires insurers to offer motorists $25,000 to $50,000 per accident for property damage by an uninsured motorist. Underinsured motorist cover is optional, but if you choose to buy it, you'll need to purchase $25,000 to $300,000 per accident for bodily injury.
Most insurance professionals recommend drivers buy more than minimum coverage. Adding full coverage and optional coverages can provide greater financial protection than a basic liability-only policy. Here are some optional coverages to consider:
Accident forgiveness
If you buy accident forgiveness when you purchase your car insurance policy, your rates won't increase after your first at-fault accident. This coverage kicks in to hold your rates steady when it's time for your policy to renew.
Gap insurance
A new car loses value quickly. If your new financed or leased vehicle gets totaled in an accident, your insurer will pay your lender or leasing company the actual cash value of the vehicle, which will likely be less than you owe on it. You'd be on the hook for the remaining balance, unless you buy gap insurance. Guaranteed asset protection bridges the gap between what a financed vehicle is worth and what you owe on it.
Rental car reimbursement
Rental reimbursement helps cover the cost of a rental car, up to a certain number of days, if your car is in the shop for repairs following a covered accident.
Roadside assistance
Adding roadside assistance coverage to your policy can help ensure you have someone to call on if your vehicle breaks down, its battery dies, or you get a flat tire. While coverage specifics vary based on insurer, roadside assistance typically covers towing, jump starts, changing a flat tire, and more.
Cheapest car insurance for drivers with an incident
When any driver has an incident — such as an at-fault accident, speeding ticket, driving under the influence (DUI) conviction, or some other type of moving violation — they usually pay more expensive premiums for several years. Insurers see an incident as a sign that the driver is a risk to insure, and risky drivers generally receive higher premiums than non-risky drivers.[2]
In Huntington, an incident can increase premiums significantly. Here are the cheapest car insurance companies in Huntington based on driving record.
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Liability-only rates start at $36/mo.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
If you live in Huntington and you have a speeding ticket on your record, you should expect to pay more for car insurance since your insurer will likely add a surcharge to your policy. The average cost of coverage after a speeding ticket in Huntington is $142 per month for liability and $235 per month for full coverage.
Here are the average liability rates of the cheapest car insurance companies in the city for drivers with speeding tickets and how they compare to rates for drivers with a clean record.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $36 | $48 |
| USAA | $43 | $58 |
| Erie | $44 | $62 |
| GEICO | $65 | $88 |
| Progressive | $77 | $104 |
| National General | $79 | $107 |
| Nationwide | $81 | $110 |
| Root | $85 | $125 |
| Direct Auto | $87 | $118 |
| Allstate | $90 | $122 |
| Clearcover | $94 | $127 |
| CSAA | $98 | $135 |
| Dairyland | $106 | $143 |
| Foremost | $107 | $154 |
| Liberty Mutual | $137 | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Causing an accident increases your premiums because your insurance company had to pay out the other driver for their claim. Unless you have accident forgiveness coverage, you’ll likely pay more expensive car insurance rates after an at-fault accident.
The average cost of coverage after an at-fault accident in Huntington is $146 per month for liability and $242 per month for full coverage. If you have an at-fault accident on your record, here are the cheapest liability rates in Huntington to start your search.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $36 | $50 |
| USAA | $43 | $60 |
| Erie | $44 | $64 |
| GEICO | $65 | $92 |
| Progressive | $77 | $110 |
| National General | $79 | $110 |
| Nationwide | $81 | $115 |
| Root | $85 | $129 |
| Direct Auto | $87 | $125 |
| Allstate | $90 | $126 |
| Clearcover | $94 | $144 |
| CSAA | $98 | $143 |
| Dairyland | $106 | $148 |
| Foremost | $107 | $159 |
| Liberty Mutual | $137 | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
West Virginia averages about 262 traffic fatalities per year, according to the Federal Highway Administration. Alcohol is a factor in many fatal accidents. Because DUIs are such serious convictions, drivers pay more on average for car insurance after a DUI than almost any other incident.
The average cost of coverage after a DUI in Huntington is $165 per month for liability and $273 per month for full coverage. If you have a DUI on your record, here are the cheapest liability rates in Huntington to start your search.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $36 | $61 |
| USAA | $43 | $72 |
| Erie | $44 | $74 |
| GEICO | $65 | $109 |
| Progressive | $77 | $130 |
| National General | $79 | $133 |
| Nationwide | $81 | $136 |
| Root | $85 | $130 |
| Direct Auto | $87 | $146 |
| Allstate | $90 | $151 |
| Clearcover | $94 | $158 |
| CSAA | $98 | $165 |
| Dairyland | $106 | $178 |
| Foremost | $107 | $180 |
| Liberty Mutual | $137 | $231 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Along with many other factors, insurers base car insurance premiums on your age. Rates often decrease around age 25 but start increasing again when people reach age 70 because of an increased risk of accidents.[3]
Senior drivers in Huntington pay an average of $76 per month for liability coverage and $126 per month for full coverage. Here are other cheap car insurance companies for seniors in Huntington.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $27 | $46 |
| USAA | $34 | $56 |
| Erie | $34 | $56 |
| GEICO | $51 | $86 |
| Progressive | $54 | $91 |
| Nationwide | $59 | $100 |
| National General | $59 | $121 |
| Direct Auto | $66 | $145 |
| Allstate | $71 | $119 |
| Root | $71 | $121 |
| CSAA | $74 | $140 |
| Clearcover | $81 | $158 |
| Foremost | $84 | $192 |
| Dairyland | $84 | $224 |
| Liberty Mutual | $112 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Because teenage drivers are new to driving, and have the highest accident rates of any age group, insurers charge them higher premiums. Huntington teens and young drivers’ rates are an average of $195 per month for liability coverage and $322 per month for full coverage
But you still have ways to keep your premiums relatively low. If you stay on your parents’ insurance, drive a vehicle model that your insurer considers a safe vehicle, and report high grades to your insurer for a good student discount, you may be able to secure lower rates. Plus, if you're under 18, you can't legally buy your own policy without the written consent of a parent or guardian.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $70 | $117 |
| USAA | $81 | $136 |
| Erie | $83 | $138 |
| GEICO | $118 | $200 |
| Root | $144 | $243 |
| Progressive | $149 | $252 |
| Nationwide | $160 | $271 |
| National General | $170 | $349 |
| CSAA | $175 | $332 |
| Direct Auto | $177 | $389 |
| Allstate | $181 | $306 |
| Dairyland | $188 | $503 |
| Clearcover | $189 | $366 |
| Foremost | $211 | $482 |
| Liberty Mutual | $259 | $430 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Huntington car insurance quotes by credit tier
Insurers are allowed to use a consumer’s credit history as a basis for raising or lowering insurance premiums in most states. If you have excellent or good credit, you’ll likely have lower rates than people with poor credit scores.
The graph below shows how your credit tier can affect your average monthly insurance premiums in Huntington.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Huntington?
Car insurance in Huntington is almost equal to the national average. The U.S. national average for full-coverage car insurance is $197 per month, and liability-only coverage averages $105 per month. In Huntington, motorists pay $157 per month for full-coverage car insurance and $95 for liability only, on average.
Your ZIP code will often play a part in the price of your insurance premium. For instance, if you live in a city with a lot of traffic and a high accident rate, you might pay more than a driver in a small town with fewer cars.
“Meanwhile, car insurance has been going up [across the country] because the price of cars has shot up during this age of inflation,” says Worters. Quote comparison is more important than ever if you want to find affordable car insurance.
More cities in West Virginia
Huntington’s car insurance rates are comparable to those in other major West Virginia cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Charleston | $162 | $87 |
| Martinsburg | $141 | $79 |
| Morgantown | $142 | $77 |
| Parkersburg | $144 | $84 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Check Out: Cheap Auto Insurance Quotes by City
Huntington car insurance FAQs
Finding the right car insurance can be stressful. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Huntington.
How much is car insurance in Huntington?
The average cost of car insurance in Huntington is $95 per month for liability coverage and $157 per month for full coverage.
What are the best car insurance companies in Huntington?
The best car insurance companies in Huntington that Insurify identified include State Farm, Erie, and USAA. These insurers have affordable average rates, high AM Best financial strength ratings, and solid Insurify Quality Scores.
What are the cheapest car insurance companies in Huntington?
The cheapest car insurance companies in Huntington are State Farm, USAA, and Erie, with liability rates starting at $36, $43, and $44 per month, respectively.
But the cheapest company for you depends on your coverage needs and budget. It’s important to shop around and compare cheap rates to find the insurer that offers the best deal for your situation.
What factors affect the cost of car insurance in Huntington?
Such as in any state, factors like your ZIP code, driving record, age, credit history, and more affect the cost of car insurance. Make sure to drive safely, keep your driving record clean, and maintain a strong credit record to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.
How much car insurance do you need in West Virginia?
In West Virginia, drivers need minimum car insurance limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
- III. "What determines the price of an auto insurance policy?."
- III. "Senior driving safety and insurance tips."
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Geoff Williams
Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.