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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Cheapest recent rates near Huntington, West Virginia
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $54/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 April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 April 25, 2024. 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 April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Huntington, West Virginia, pay an overall average of $150 per month for car insurance, according to Insurify’s proprietary data — which is slightly higher than the state average of $127.
The exact amount you’ll pay for auto insurance depends on a number of factors, including your driving record, gender, age, the insurance company you work with, 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 $204 per month for full coverage.
State Farm is the cheapest insurer for full-coverage car insurance, with a monthly rate of $63.
West Virginia requires uninsured/underinsured 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$54
$33
Overall
USAA
4.5
$65
$40
Military members and families
Erie
4.4
$65
$40
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$39/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.
$63/mo
State Farm is the largest auto insurer in the country, controlling roughly 16% 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
Strong AM Best financial rating
Mobile app makes for convenient account management
Other types of insurance bundling discounts available
Cons
Not as many available discounts as some competitors
Some negative Better Business Bureau (BBB) customer reviews
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
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.
$47/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.
$76/mo
USAA is one of the most reliable insurers in the country — its only major drawback is that it’s only available for present and former military members 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 safe-driving program
Many available discounts
Cons
Only available to military members, veterans, and their families
Gap insurance not available
Limited customer service: doesn’t offer 24/7 live customer support over the phone
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
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.
$47/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.
$77/mo
Erie is a reliable and affordable auto insurance company, operating in 12 states on the east coast, including West Virginia. 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
Usage-based insurance not available
Lack of online service — customers can’t buy a policy 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 damages 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 insurance agents if they have any discounts that they can recommend to help bring your rates down.
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.”
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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, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
39
Erie
47
USAA
47
GEICO
70
Liberty Mutual
80
Progressive
84
Clearcover
88
Nationwide
88
Allstate
98
Direct Auto
98
Dairyland
103
Midvale Home & Auto
109
Foremost
114
CSAA
130
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 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 inanimate objects like trees and signs. Comprehensive covers non-collision events, such as a fallen tree or hailstorm damage.
The average cost of full-coverage insurance in Huntington is $204 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, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
63
USAA
76
Erie
77
GEICO
116
Progressive
137
Nationwide
145
State Auto
159
Allstate
161
Clearcover
162
Liberty Mutual
178
Midvale Home & Auto
184
Direct Auto
204
CSAA
236
Foremost
280
Dairyland
281
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.
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 the following optional coverage amounts:
$25,000 to $50,000 per accident for property damage by an uninsured motorist
$25,000 to $300,000 per accident for bodily injury by an underinsured motorist
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. 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, West Virginia, an incident can increase premiums significantly. Here are the cheapest car insurance companies in Huntington based on driving record.
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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. The average cost of coverage after a speeding ticket in Huntington is $160 per month for liability and $340 per month for full coverage.
Here are the average 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, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
39
54
Erie
47
72
USAA
47
66
GEICO
70
98
Liberty Mutual
80
120
Progressive
84
122
Clearcover
88
132
Nationwide
88
125
Allstate
98
137
Direct Auto
98
142
Dairyland
103
149
CSAA
130
189
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 $153 per month for liability and $324 per month for full coverage. If you have an at-fault accident on your record, here are the cheapest companies in Huntington to start your search.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
39
54
Erie
47
71
USAA
47
66
GEICO
70
99
Liberty Mutual
80
121
Progressive
84
123
Clearcover
88
146
Nationwide
88
125
Allstate
98
138
Direct Auto
98
143
Dairyland
103
148
CSAA
130
193
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
In 2021, 65 of West Virginia’s 280 fatalities involved an alcohol-impaired driver.[3] 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 $172 per month for liability and $365 per month for full coverage. If you have a DUI on your record, here are the cheapest companies in Huntington to start your search.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
39
65
Erie
47
72
USAA
47
78
GEICO
70
117
Liberty Mutual
80
134
Progressive
84
140
Clearcover
88
147
Nationwide
88
147
Allstate
98
164
Direct Auto
98
164
Dairyland
103
172
Foremost
114
190
CSAA
130
217
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 35 but start increasing again when people reach age 70 because age-related health issues can affect driving ability.[4]
Senior drivers in Huntington pay an average of $66 per month for liability coverage and $139 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, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
27
44
Erie
33
53
USAA
34
55
GEICO
51
84
Progressive
55
89
Liberty Mutual
60
134
Nationwide
60
99
Direct Auto
69
143
Allstate
72
119
Clearcover
76
139
Dairyland
76
208
CSAA
91
165
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, insurers charge them higher premiums. Huntington teens and young drivers’ rates are an average of $188 per month for liability coverage and $400 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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
71
114
USAA
82
133
Erie
90
148
GEICO
117
194
Liberty Mutual
143
317
Nationwide
159
262
Progressive
159
259
Clearcover
166
305
Dairyland
177
483
Allstate
182
298
Direct Auto
188
391
Foremost
214
527
CSAA
231
420
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 $213 per month, and liability-only coverage averages $104 per month. In Huntington, motorists pay $204 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, 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 West Virginia cities.
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.
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 $204 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, Erie, and USAA, with liability rates starting at $39, $47, and $47 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 score, and more affect the cost of car insurance. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score 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
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.
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.”
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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