For a 40-year-old driver with a clean record, car insurance in Huntington, WV, averages about $195 a month ($2,338 a year) for what we call full coverage (100/300/100 liability limits, 100/300 uninsured and underinsured motorist coverage, and collision and comprehensive coverage with $500 deductibles), based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the West Virginia average of $194 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $146 a month.
Huntington, West Virginia, on the Ohio River, is priced close to the state average for our benchmark driver, about $1 a month more, and about $3 a month more than Charleston, about 45 miles east. GEICO stands out here: its full-coverage average is about $22 a month below Erie’s, the next lowest of the five major insurers we compared.
Our data covers four ZIP codes with a Huntington mailing address, from about $192 a month in 25705 to $197 in 25704. Three are in Cabell County, and 25704 is in Wayne County. To compare auto insurance quotes in Huntington, WV, start with the insurer averages below, and see our West Virginia car insurance quotes guide for the rest of the state.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Huntington ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Huntington, WV?
Car insurance in Huntington, WV, costs about $195 a month ($2,338 a year) for full coverage, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $776 a year ($65 a month), and 50/100/50 liability with comprehensive and collision averages $2,320 ($193 a month).
- Full coverage (100/300/100, $500 deductibles): $2,338 a year ($195 a month)
- 50/100/50 with $500 deductibles: $2,320 a year ($193 a month)
- Liability only (20/40/10): $776 a year ($65 a month)
- Cabell County: $2,353 a year ($196 a month) for full coverage
- West Virginia average: $2,331 a year ($194 a month) for full coverage
- ZIP code range: $192 (25705) to $197 (25704) a month for full coverage
Allstate is far more expensive than the other insurers here: its full-coverage average of about $305 a month is 1.8 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Huntington average would be about $167 a month.
Cheap Car Insurance in Huntington: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $146 a month ($1,754 a year).
- Next lowest among these five insurers: Erie, at about $168 a month, then Progressive at $174.
- Lowest liability-only average among these five insurers (20/40/10): Erie, at about $42 a month, then State Farm at $56. Westfield*, priced from published studies and not ranked, comes in at about $41.
- Also on our list: USAA at about $145 a month, Westfield at $169 and Root at $260 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $305 a month, $1,902 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the five insurers in our Huntington rate data. The 10 statewide West Virginia rate studies we reviewed, eight of them dated 2026, disagree on which insurer is cheapest for full coverage: two put Erie first, one GEICO and one State Farm, and five other insurers lead the remaining six, apart from USAA, which sells only to military families. For liability-only coverage at 20/40/10 limits, Erie has the lowest average among these five insurers, at about $42 a month, followed by State Farm at $56.
Full-coverage averages by insurer in Huntington
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $809 | $67 | $1,754 | $146 |
| Erie | $498 | $42 | $2,021 | $168 |
| Progressive | $835 | $70 | $2,089 | $174 |
| State Farm | $668 | $56 | $2,169 | $181 |
| Allstate | $1,069 | $89 | $3,656 | $305 |
| USAA (military families)* | $614 | $51 | $1,738 | $145 |
| Westfield* | $490 | $41 | $2,030 | $169 |
| Root Insurance* | $1,206 | $101 | $3,116 | $260 |
| Huntington average | $776 | $65 | $2,338 | $195 |
This table uses Huntington ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Huntington Car Insurance Rates by ZIP Code
Across the four Huntington ZIP codes we price, full coverage for our driver ranges from about $192 a month in 25705 to $197 in 25704, a gap of $55 a year. 25705, east of downtown, is the least expensive Huntington ZIP code in our data, and 25704, to the southwest in Wayne County, the most expensive.
Lowest-priced Huntington ZIP codes
Highest-priced Huntington ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Huntington’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 25701 | $775 | $65 | $2,354 | $196 | +1% |
| 25702 | $778 | $65 | $2,329 | $194 | -1% |
| 25704 | $773 | $64 | $2,362 | $197 | +1% |
| 25705 | $776 | $65 | $2,307 | $192 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Huntington?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Huntington data: with the same $500 deductibles, full coverage averages $2,338 a year and 50/100/50 averages $2,320. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Huntington?
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Huntington ZIP codes, their full-coverage average fell from $2,695 a year nine months earlier to $2,616 in rates as of Aug. 31, 2026, a 2.9% drop. State Farm cut its Huntington average 13.3%, while Erie raised its average 4.8%; Allstate’s average was unchanged. GEICO and Progressive are new in our rates over the past nine months, so they’re left out, which is why these averages differ from the Huntington average above. Liability-only coverage at 20/40/10 limits fell 3.6%, led by State Farm, which cut its liability-only average 11.8%.
What Shapes Car Insurance Costs in Huntington
Huntington is in Cabell County, which averages about $196 a month for full coverage across its seven ZIP codes in our data. Wayne County, which takes in 25704, averages $205.
East of the city in Cabell County, Barboursville, Milton and Ona each average about $198 a month and Culloden $196. Kenova, to the west in Wayne County, averages $196, while the town of Wayne, to the south, is the third-most expensive of the 76 West Virginia cities and towns in our city table, at $223. West Virginia insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Huntington Car Insurance Compares With Other West Virginia Cities
More West Virginia cities and towns are in the West Virginia rates by city table, and you can compare states on our car insurance rates by state page.
Charleston, about 45 miles east, averages $192 a month, and Parkersburg, about 75 miles northeast, $192. Barboursville, about nine miles east, averages $198; its row is in our West Virginia car insurance rates by city table.
What Car Insurance Is Required in Huntington?
Every Huntington car insurance policy must carry at least this coverage under West Virginia law:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25), under W. Va. Code § 17D-4-2
- Uninsured motorist coverage at the same 25/50/25 limits, including property damage, under § 33-6-31
Underinsured motorist coverage and higher uninsured motorist limits are optional; your insurer must offer them on a form set by the Insurance Commissioner, under § 33-6-31d. The liability-only prices on this page use 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage, below those minimums. Our West Virginia requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Huntington
- Compare GEICO and Erie first. They have the two lowest full-coverage averages in our Huntington data, about $146 and $168 a month.
- Quote several insurers. In our Huntington data, the lowest and highest insurer averages are about $159 a month apart for the same driver and car.
- Shop around without worrying about your credit. West Virginia insurers can use a credit-based insurance score, but not as the only reason to turn you down, and several quote checks within 30 days won’t hurt your score, according to Bulletin 20-12.
- Compare at every renewal. Over the past nine months, State Farm has cut its Huntington average 13.3%, while Erie has raised its average 4.8%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Huntington, then compare free home insurance quotes.
Ready to compare
How We Calculated Huntington Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 20 full-coverage premiums from five insurers across four Huntington ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. West Virginia’s minimum has been 25/50/25 since Jan. 1, 2016, so our liability-only prices use lower limits than the law requires. West Virginia also requires uninsured motorist coverage of at least 25/50/25 on every policy, under W. Va. Code § 33-6-31. “Full coverage” has no standard definition in West Virginia law, according to the state’s Insurance Commissioner, so on our pages it means only the package described here.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. GEICO and Progressive are new in our rates since November 2025, so they’re left out of rate-change comparisons; Allstate, Erie and State Farm are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 West Virginia rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from West Virginia law and the West Virginia Offices of the Insurance Commissioner. We refresh these figures when new rate data is released.
Huntington Car Insurance FAQ
Car insurance in Huntington, WV, costs about $195 a month ($2,338 a year) for full coverage and about $65 a month for liability-only coverage at 20/40/10 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the West Virginia average of $194 a month.
GEICO has the lowest full-coverage average in our Huntington rate data, at about $146 a month, followed by Erie at $168. For liability-only coverage at 20/40/10 limits, Erie has the lowest average among the five major insurers we compared, at about $42 a month. The 10 statewide West Virginia rate studies we reviewed, eight of them dated 2026, disagree on which insurer is cheapest for full coverage: two put Erie first, one GEICO and one State Farm, and five other insurers lead the remaining six, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Huntington full coverage averages about $195 a month and Charleston about $192.
In our data, 25705 has the lowest full-coverage average in Huntington, at about $192 a month, and 25704 the highest, at about $197. The ZIP code table on this page lists all four.
In our Huntington data, full coverage (100/300/100 with $500 deductibles) averages about $195 a month and liability-only coverage at 20/40/10 limits about $65, a difference of about $130 a month ($1,562 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. West Virginia law doesn’t require full coverage, but a lender or leasing company may.
Every Huntington driver needs at least 25/50/25 liability coverage, which is $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage, plus uninsured motorist coverage at the same limits, including property damage. Underinsured motorist coverage is optional. West Virginia has no no-fault law, so the driver who causes a crash pays. Our liability-only prices use lower 20/40/10 limits; in Huntington, they average about $65 a month.
For our benchmark driver, full coverage in Huntington averages about $195 a month. Nearby, Charleston averages about $192, Parkersburg about $192 and Morgantown about $195. Charleston, Parkersburg and Morgantown are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
