A low-VOC (volatile organic compound) and/or low-toxicity coating formulation, including at least one non-halogenated solvent including terpene(s) or terpenoid(s), and at least one polymer including conducting polymers, electroactive polymers and/or conjugated polymers, wherein the polymers and non-halogenated solvent(s) are in non-aqueous form. In other embodiments, coating formulations, includes about 0.01% wt. to about 99.9% wt. of at least one non-halogenated solvent including a terpene or terpenoid, about 0.01% wt. to about 90% wt. of at least one polymer including conducting polymers, conjugated polymers, and electroactive polymers, and about 0.001% wt to about 90% wt. of at least one surfactant, wherein the polymers, solvents, and surfactants are in non-aqueous form. Also included are aqueous low VOC and/or toxicity coating formulations having at least one non-halogenated solvent including terpene(s) or terpenoid(s), and at least one conjugated, electroactive, or conductive polymer, copolymer, block polymer, and mixtures thereof.