Cheapest Auto Insurance in Huntington, West Virginia (2025)

Drivers in Huntington, West Virginia, pay an overall average of $127 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.

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.

Best insurer overall: State Farm

Best insurer for military members and their families: USAA

Best insurer for drivers with accidents: Erie

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.”

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 $99 per month. The following table highlights the cheapest car insurance companies for liability-only insurance in Huntington.

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 $155 per month. The following table shows the cheapest car insurance companies in Huntington for full coverage.

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

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:

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.

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 $119 per month for liability and $186 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.

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 $116 per month for liability and $182 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.

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 $159 per month for liability and $250 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.

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.4

Senior drivers in Huntington pay an average of $84 per month for liability coverage and $132 per month for full coverage. Here are other cheap car insurance companies for seniors in Huntington.

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 $213 per month for liability coverage and $334 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.

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.

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 $184 per month, and liability-only coverage averages $104 per month. In Huntington, motorists pay $155 per month for full-coverage car insurance and $99 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.