Cheapest Auto Insurance in Huntington, West Virginia (2025)

State Farm offers the cheapest car insurance rates in Huntington, starting at $60 per month.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General Logo120+ more

Cheapest recent rates near Huntington, West Virginia

Drivers in and around Huntington, West Virginia have found policies from Root, State Farm, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Huntington, West Virginia within the last 10 days. Last updated on October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 2, 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 October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Geoff Williams
Written byGeoff Williams
Geoff Williams
Geoff Williams
  • 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.

Featured in

media logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

Featured in

media logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Drivers in Huntington, West Virginia, pay an overall average of $123 per month for car insurance, according to Insurify’s proprietary data — which is higher than the state average of $115.

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 $96 per month for liability coverage and $150 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 $83.

  • 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$78$56Overall
USAA9.1$93$67Military members and families
Erie8.4$95$68Drivers with at-fault accidents
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
4.1
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.
$60/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.
$83/mo
4.1
Best choiceBased on 11,776 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 (6,224)
Glick
Verified Review
State Farm has never let me down!
Reviewed in California on October 2025
I have been with them for decades... there is a good reason for that!
William
Verified Review
F egm
Reviewed in Alabama on October 2025
High rate increase.
Anna
Verified Review
State Farm for Life!
Reviewed in New York on October 2025
Coverage is great, but the price seems to be going up every month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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.
9.1 /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.
$72/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.
$99/mo
4.9
Best choiceBased on 2,220 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 (1,242)
Lana
Verified Review
USAA 50/50
Reviewed in Mississippi on September 2025
Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).
Robert
Verified Review
Good
Reviewed in Delaware on September 2025
Safe driving discount.
Natalie
Verified Review
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Reviewed in Michigan on September 2025
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
4.4
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.
8.4 /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.
$73/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.
$102/mo
4.4
Best choiceBased on 397 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 (198)
Dale
Verified Review
All good things come to an end
Reviewed in Pennsylvania on October 2025
I've never had to file a claim, but it's not the cheapest option.
Paul
Verified Review
Car Rental Insurance
Reviewed in North Carolina on October 2025
No complaints whatsoever. Excellent customer service.
Jeffrey
Verified Review
Erie Insurance is great to work with
Reviewed in Pennsylvania on September 2025
Very polite and made sure everything was good. They provided exactly what I was looking for in terms of coverage and price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.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

See custom quotes from top auto insurers in minutes

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $96 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$60
USAA$72
Erie$73
Safeco$74
National General$82
Root$82
Direct Auto$89
CSAA$93
Dairyland$96
GEICO$109
Nationwide$136
Liberty Mutual$139
Allstate$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

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 $150 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$83
USAA$99
Erie$102
Safeco$129
GEICO$152
Root$155
National General$178
CSAA$187
Nationwide$189
Direct Auto$191
Liberty Mutual$211
Allstate$211
Dairyland$282
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 in and around Huntington, West Virginia have found policies from Liberty Mutual, National General, Liberty Mutual with RightTrack®, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Huntington, West Virginia within the last 10 days. Last updated on October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 2, 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 October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 2, 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]

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Property damage liability

    • $25,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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:

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

Find Car Insurance in Huntington, West Virginia

Liability-only rates start at $60/mo.

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $107 per month for liability and $167 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$60$71
USAA$72$86
Erie$73$90
Safeco$74$91
National General$82$96
Root$82$102
Direct Auto$89$106
CSAA$93$110
Dairyland$96$113
GEICO$109$133
Nationwide$136$163
Liberty Mutual$139$165
Allstate$151$181
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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, youll 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 $114 per month for liability and $178 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$60$74
USAA$72$90
Erie$73$88
Safeco$74$98
National General$82$102
Root$82$100
Direct Auto$89$115
CSAA$93$124
Dairyland$96$120
GEICO$109$130
Nationwide$136$170
Liberty Mutual$139$174
Allstate$151$187
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $155 per month for liability and $242 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$60$92
USAA$72$110
Erie$73$108
Safeco$74$125
National General$82$125
Root$82$123
Direct Auto$89$136
CSAA$93$142
Dairyland$96$147
GEICO$109$161
Nationwide$136$208
Liberty Mutual$139$212
Allstate$151$231
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $83 per month for liability coverage and $130 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$48$66
Erie$57$79
USAA$59$81
Safeco$65$114
National General$65$141
Root$70$131
Direct Auto$72$155
CSAA$73$146
Dairyland$79$233
GEICO$87$122
Nationwide$105$146
Liberty Mutual$117$178
Allstate$125$174
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $207 per month for liability coverage and $324 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: Wednesday, October 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$125$173
USAA$145$199
Erie$148$207
Root$157$296
Safeco$159$278
CSAA$174$350
Dairyland$175$515
National General$180$391
Direct Auto$190$407
GEICO$215$300
Liberty Mutual$269$408
Nationwide$287$399
Allstate$323$451
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Huntington, West Virginia

See personalized rates from top car insurance companies in minutes

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $180 per month, and liability-only coverage averages $101 per month. In Huntington, motorists pay $150 per month for full-coverage car insurance and $96 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Charleston$154$90
Martinsburg$140$87
Morgantown$143$86
Parkersburg$156$88
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Check Out: Cheap Auto Insurance Quotes by City

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 $96 per month for liability coverage and $150 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 $60, $72, and $73 per month, respectively.

    But the cheapest company for you depends on your coverage needs and budget. Its 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
  2. III. "What determines the price of an auto insurance policy?."
  3. III. "Senior driving safety and insurance tips."
Geoff Williams
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.”

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

Featured in

media logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate