Cheapest Car Insurance In Huntington, WV 2024
State Auto offers the lowest rates in Huntington, averaging $75 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Huntington, WV, options can vary greatly.
For liability-only coverage, State Auto offers the lowest rates. Drivers seeking comprehensive protection will find the best rates with Safeco for full coverage policies. Additionally, State Farm provides the cheapest rates for young drivers.
Cheapest Car Insurance Companies In Huntington, WV 2024
Cheapest Full Coverage Car Insurance In Huntington: Safeco
Safeco offers the most affordable full coverage car insurance in Huntington, with average quotes of $90 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $140 | $1,680 |
| Allstate | $112 | $1,344 |
| Safeco | $90 | $1,080 |
| Progressive | $92 | $1,104 |
| AAA | $250 | $3,000 |
Full coverage car insurance offers extensive protection that exceeds the basic legal requirements. It usually combines comprehensive and collision coverage. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of who is at fault.
Cheapest Car Insurance In Huntington For Seniors: State Farm
State Farm offers the cheapest car insurance rates for seniors in Huntington, with average quotes of $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $74 | $888 |
| Encompass | $80 | $960 |
| State Farm | $65 | $780 |
| Nationwide | $82 | $984 |
| Westfield | $100 | $1,200 |
In West Virginia, many seniors can find favorable car insurance rates due to various beneficial factors. While age is typically considered when determining insurance rates and older drivers are sometimes seen as having decreased driving abilities, this stereotype does not apply to everyone.
Cheapest Minimum Coverage Car Insurance In Huntington: State Auto
State Auto is the most affordable car insurance provider for minimum coverage in Huntington, with an average monthly cost of $75.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $90 | $1,080 |
| Safeco | $155 | $1,860 |
| AAA | $130 | $1,560 |
| Nationwide | $105 | $1,260 |
| State Auto | $75 | $900 |
While having the minimum insurance provides some protection, it does not cover collision or comprehensive insurance. This means that any damages to your own vehicle from accidents, theft, or natural disasters will not be covered.
Cheapest Auto Insurance Rates In Huntington For Teenagers: State Farm
Teenage drivers in Huntington can get the cheapest quotes from State Farm, with average monthly premiums of $160.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $280 | $3,360 |
| Westfield | $240 | $2,880 |
| State Farm | $160 | $1,920 |
| Encompass | $232 | $2,784 |
| Erie | $170 | $2,040 |
Teenage drivers typically encounter the highest car insurance premiums due to their lack of driving experience. Insurance companies view these young motorists as high-risk because they are statistically more likely to be involved in accidents and commit traffic violations.
Cheapest Car Insurance In Huntington For Young Adults: State Farm
State Farm provides the most affordable car insurance quotes for young adults in Huntington, with rates averaging around $125 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $140 | $1,680 |
| Safeco | $127 | $1,200 |
| Nationwide | $160 | $1,920 |
| State Farm | $125 | $1,500 |
| Encompass | $278 | $3,214 |
In West Virginia, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of more responsible driving habits and a decrease in risky behaviors as drivers mature. Statistically, young adults are less likely to make insurance claims, reflecting a lower incidence of accidents. As a result, insurance companies lower premiums for these drivers, acknowledging their improved safety records and reduced likelihood of filing claims.
Best Car Insurance Companies In Huntington
When selecting car insurance in Huntington, WV, finding the right company involves balancing affordable rates with reliable protection. Below are the top 10 car insurance companies in Huntington, ranked by their average monthly rates:
| Company | Monthly Premium |
| Grange Mutual | $30 |
| Auto-Owners Insurance Co | $40 |
| USAA | $45 |
| Pekin Insurance | $38 |
| Travelers | $55 |
| Buckeye Insurance Group | $50 |
| Farmers | $60 |
| Western Reserve | $54 |
| Hastings Mutual Insurance Co | $64 |
| Allied | $58 |
Average Cost Of Car Insurance In Huntington – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,060 |
| 20s | $2,640 |
| 30s | $1,680 |
| 40s | $1,440 |
| 50s | $1,560 |
| 60s | $1,380 |
| 70s | $1,560 |
Age plays a crucial role in setting car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums due to their lack of experience and higher chances of accidents and traffic violations statistically. By the age of 25, rates typically begin to decrease assuming a clean driving history.The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a gauge of driving experience and risk, which directly impacts the cost of premiums.
Cheapest Car Insurance Companies In Huntington For Drivers With Prior Incidents
In Huntington, drivers with a history of traffic violations like accidents, speeding tickets, or DUIs often struggle to find affordable car insurance. These infractions classify them as high-risk by insurance companies, who anticipate a higher likelihood of future insurance claims. As a result, insurance providers increase rates for these individuals to offset the potential for increased claim payouts.
Cheapest Car Insurance In Huntington After A Speeding Ticket: State Farm
State Farm provides highly competitive rates compared to other companies, offering average premiums of $60 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $75 | $900 |
| Erie | $70 | $840 |
| Progressive | $85 | $1,020 |
| State Farm | $60 | $720 |
| USAA | $65 | $780 |
Cheapest Car Insurance In Huntington After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging $55 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $120 | $1,440 |
| GEICO | $100 | $1,200 |
| Erie | $70 | $840 |
| State Farm | $55 | $660 |
| USAA | $72 | $864 |
Cheapest Car Insurance In Huntington For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers with a DUI in Huntington, with average monthly premiums of $70.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $87 | $1,044 |
| Erie | $85 | $1,020 |
| Progressive | $140 | $1,680 |
| GEICO | $120 | $1,440 |
| State Farm | $70 | $840 |
How Much Is Car Insurance In Other Cities in West Virginia?
| City | Average Monthly Rate |
| Fairmont | $135 |
| Mineral Wells | $120 |
| Lashmeet | $100 |
| Morgantown | $145 |
| Bud | $130 |
| Clarksburg | $170 |
| Martinsburg | $120 |
| Athens | $110 |
| Matoaka | $90 |
| Charleston | $150 |
The city you live in has a notable influence on your car insurance rates. Insurance companies evaluate several factors specific to your location, including the frequency of accidents, rates of vehicle theft, and incidents of vandalism. Urban areas tend to have higher risks associated with these factors, resulting in higher insurance premiums.
Average Cost Of Auto Insurance In Huntington – By Zip Code
| City | Average Monthly Rate |
| 25702 | $140 |
| 25704 | $150 |
| 25701 | $160 |
| 25705 | $160 |
| 25703 | $190 |
Our Methodology
After conducting a thorough analysis that includes customer service ratings, available product options, pricing, and a detailed assessment of various online reviews and user feedback, I have developed a comprehensive overview of the car insurance provider landscape in Huntington, WV.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Huntington?
State Auto offers the lowest car insurance rates in Huntington for minimum coverage required by West Virginia, while Safeco provides competitive rates for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Huntington?
In Huntington, the average cost of car insurance is approximately $160 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.
