Best Cheap Auto Insurance in Huntington, West Virginia (2023)

State Farm offers the cheapest car insurance rates on average in Huntington.

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.

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Danny Smith
Edited byDanny Smith
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Danny SmithHome and Pet Insurance Editor
  • P&C license candidate in Massachusetts

  • 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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Updated September 20, 2023

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Residents of Huntington, West Virginia, pay an average of $210 per month for car insurance, according to Insurify’s proprietary data — about 5% more than the state average. If you live in Huntington, you’ll pay $165 per month, on average, for liability-only coverage, while full coverage will cost you $260 per month.

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.

Quick Facts
  • Car insurance in Huntington, West Virginia, costs $2 less than the national monthly average of $212.

  • West Virginia requires you to carry car insurance if you own a registered car.

  • State Farm offers the cheapest average auto rates for drivers with DUIs, at $93 per month.

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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.

Best insurance overall: State Farm

Compare personalized, real-time quotes
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.
4.4
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.
$40/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.
$66/mo

State Farm is the largest auto insurer in the country, owning 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. The average monthly liability policy from State Farm costs $47 in Huntington.

Pros
  • Strong A.M. Best financial rating[1]

  • 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[2]

  • Gap insurance not available

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

Best for military members and their families: USAA

Compare personalized, real-time quotes
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.
4.3
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.
$49/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.
$80/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 and offers a variety of discounts.[3] The average monthly liability policy from USAA costs $56 in Huntington.

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 representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023
Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023
Verified

Exceptional customer service

Anthony - January 15, 2023
Verified
Read our USAA review

Best for drivers with accidents on their record: Erie

Compare personalized, real-time quotes
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.
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.
$49/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.
$81/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. The average monthly liability policy from Erie costs $57 in Huntington.

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[4]

  • 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

My agent was always there for me.

Dinah - December 4, 2022
Verified

They treat me well.

Jordan - October 25, 2022
Verified

Friendly service

Darlene - September 6, 2022
Verified
Read our Erie Insurance review

Cheapest liability-only car insurance in Huntington

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.[5]

The following table highlights the cheapest car insurance companies for liability-only insurance in Huntington. Keep in mind that many factors affect car insurance premiums, and the actual rate you pay will depend on your personal factors.

Insurance CompanyAverage Monthly Quote
State Farm$47
USAA$56
Erie$57
GEICO$85
Progressive$101
Liberty Mutual$115
Allstate$118
Midvale Home & Auto#N/A
State Auto#N/A
Clearcover$135
Direct Auto$162
Dairyland$136
CSAA$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.
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

Cheapest full-coverage car insurance in Huntington

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 following table shows the cheapest car insurance companies in Huntington for full coverage.

Insurance CompanyAverage Monthly Quote
State Farm$72
USAA$87
Erie$87
GEICO$132
Progressive$156
Liberty Mutual$177
Allstate$181
Midvale Home & Auto$187
State Auto$188
Clearcover$207
Direct Auto$283
Dairyland$329
CSAA$356
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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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.[6]

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

Bodily injury liability

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

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

Property damage liability

$25,000 per accident for property damage

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 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, DUI, or some other type of moving violation — it generally leads to higher 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.[7]

In Huntington, West Virginia, an incident can increase premiums significantly. For instance, someone with a clean driving record who has liability-only insurance with State Farm pays $47 a month on average, but a driver who has a DUI on their record pays an average of $93 a month.

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Cheapest car insurance for drivers with a speeding ticket

If you live in Huntington and you have a speeding ticket on your record, you should expect slightly higher premiums than average. Below is what you’ll pay, on average, for your insurance premiums if you have a speeding ticket.

Insurance CompanyAverage Monthly Quote
State Farm$63
USAA$75
Erie$76
Geico$114
Progressive$135
Liberty Mutual$154
Allstate$158
Clearcover$181
Dairyland$182
Direct Auto$217
CSAA$264
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

If you  have an at-fault accident on your record, below is what you would pay for your insurance premiums in Huntington, on average.

Insurance CompanyAverage Monthly Quote
State Farm$67
USAA$80
Erie$81
Geico$122
Progressive$144
Liberty Mutual$164
Allstate$168
Clearcover$193
Dairyland$194
Direct Auto$232
CSAA$282
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

If you have a DUI on your record, this is what you’d pay for car insurance premiums in Huntington, on average.

Insurance CompanyAverage Monthly Quote
State Farm$93
USAA$112
Erie$113
Geico$169
Progressive$200
Liberty Mutual$229
Allstate$234
Clearcover$269
Dairyland$271
Direct Auto$322
CSAA$392
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

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 the age of 75. 

If you’re a senior living in Huntington, this is what you’d pay, on average, for your insurance premiums.

Insurance CompanyAverage Monthly Quote
State Farm$29
USAA$35
Erie$36
Geico$54
Progressive$63
Liberty Mutual$72
Allstate$74
Clearcover$85
Dairyland$86
Direct Auto$102
CSAA$124
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

Because teenage drivers are new to the world of driving, insurers charge them higher premiums. 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.

Insurance CompanyAverage Monthly Quote
State Farm$69
USAA$82
Erie$83
Geico$125
Progressive$148
Liberty Mutual$169
Allstate$173
Clearcover$198
Dairyland$200
Direct Auto$238
CSAA$290
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.

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.

People looking for cheap rates may want to try the following strategies:

  • Liability-only insurance is always going to be cheaper than full coverage, but it does mean that you, instead of your insurance policy, are willing to pay for your own damages and medical bills if you damage your vehicle.

  • Comparison shopping with 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 insurance agents if they have any 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.”

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Huntington car insurance quotes by credit tier

Insurers are allowed to use a consumer’s credit tier 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 $253 per month, and liability-only coverage averages $170 per month. In Huntington, on average, motorists pay $260 a month for full-coverage car insurance and $165 for liability only.

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 Virginian cities. In Charleston, the average for full-coverage car insurance is $252, roughly 3% less than in Huntington. Martinsburg’s average for full coverage is $259. And in Morgantown, drivers pay $262 on average per month for full coverage.

CityAverage Monthly QuoteCompared to Huntington
Charleston$252-3%
Martinsburg$2590%
Morgantown$2621%
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.
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?

    Huntington drivers pay $210 a month on average for car insurance, slightly more than West Virginia’s average of $195 per month. Liability-only coverage will cost you $165 per month on average, and full coverage will cost you an average of $260 a month.

  • What are the best car insurance companies in Huntington?

    The best car insurance company in Huntington is State Farm due to an IQ Score of 4.4, an A.M. Best financial strength rating of A++ (Superior), and affordable coverage ($47 per month for liability and $72 for full coverage).

    USAA and Erie are the next best insurers — both have affordable rates and strong IQ Scores, of 4.3 and 4.4, respectively.

  • 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.

Sources

  1. A.M. Best. "State Farm." Accessed June 15, 2023
  2. Better Business Bureau. "State Farm." Accessed June 15, 2023
  3. J.D. Power. "2023 U.S. Auto Insurance Study." Accessed June 15, 2023
  4. J.D. Power. "2023 U.S. Insurance Shopping Study." Accessed June 15, 2023
  5. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed June 15, 2023
  6. West Virginia Division of Motor Vehicles. "Consumer Insurance Information." Accessed June 15, 2023
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed June 15, 2023
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 SmithHome and Pet Insurance Editor
Photo of an Insurify author
Danny SmithHome and Pet Insurance Editor
  • P&C license candidate in Massachusetts

  • 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

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Compare Car Insurance Quotes Instantly

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