Cheapest Car Insurance Quotes in Matheson

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Matheson Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Matheson

The car insurance rate in Matheson is $1386 for a six-month policy, which is $170 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Matheson can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Matheson

$1386

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Matheson

1st place: Colorado Farm Bureau

At $420 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $461 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $691 for six months, making it the third cheapest auto insurance company in Matheson.

Matheson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Matheson, CO is Colorado Farm Bureau, offering policies at just $420 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $461.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1679 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Matheson drivers find the best deals.

Cheap Car Insurance Companies in Matheson, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$420	$70
American National P&C	$461	$79
Auto-Owners Insurance Co	$691	$115
Acuity	$751	$128
Colorado Farm Bureau Mutual	$880	$147
American National	$1138	$194
American Family	$1158	$195
USAA	$1300	$219
State Farm	$1571	$264
Progressive	$1598	$269
Allstate	$2181	$367
Nationwide	$2472	$421
Farmers	$2722	$458
Auto-Owners	$1226	$204
Farm Bureau	$1951	$332
California Casualty	$1679	$280

Key Takeaways

Way's key takeaways about car insurance in Matheson

The auto insurance costs in Matheson fall around $420 for six months.
The cheapest auto insurance company in Matheson is Colorado Farm Bureau.
Teen drivers pay the highest rate in Matheson at $682 per month.

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Cheapest Minimum Liability Car Insurance in Matheson

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Matheson are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Matheson. Their Average 6 Month Premium is $163. California Casualty is the most expensive at $237 for the same period.

Cheapest Liability Coverage in Matheson, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$163	$27
American National P&C	$176	$30
American National	$210	$35
Colorado Farm Bureau Mutual	$244	$41
USAA	$291	$49
Progressive	$304	$51
Auto-Owners Insurance Co	$318	$54
Farm Bureau	$325	$55
Acuity	$345	$58
American Family	$366	$62
State Farm	$373	$63
Farmers	$576	$96
Allstate	$643	$109
Auto-Owners	$454	$75
Nationwide	$751	$125
California Casualty	$237	$40

Cheapest Full Coverage Car Insurance in Matheson

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Matheson is Colorado Farm Bureau at $70 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Matheson, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$420	$70
American National P&C	$461	$79
Auto-Owners Insurance Co	$691	$115
Acuity	$751	$128
Colorado Farm Bureau Mutual	$880	$147
American National	$1138	$194
American Family	$1158	$195
USAA	$1300	$219
State Farm	$1571	$264
Progressive	$1598	$269
Allstate	$2181	$367
Nationwide	$2472	$421
Farmers	$2722	$458
Auto-Owners	$1226	$204
Farm Bureau	$1951	$332
California Casualty	$1679	$280

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Average Car Insurance in Matheson by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Matheson, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Matheson, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Matheson's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Matheson

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Matheson,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Matheson at $28 per month. At $4008 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$170	$28
American National P&C	$210	$35
California Casualty	$237	$40
Colorado Farm Bureau	$298	$50
Auto-Owners Insurance Co	$433	$72
Colorado Farm Bureau Mutual	$1550	$263
USAA	$1944	$327
American Family	$2430	$409
State Farm	$3453	$581
Progressive	$4219	$710
Allstate	$4551	$766
Nationwide	$7889	$1342
Farmers	$10001	$1684
Auto-Owners	$4008	$682

Teen Car Insurance Rates in CO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Matheson, Colorado Farm Bureau is the cheapest car insurance provider. At $318 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Matheson is AutoOwners, offering rates of around $3711 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$318	$54
Acuity	$488	$81
American Family	$1585	$267
Progressive	$2099	$353
USAA	$2350	$399
Farmers	$3108	$523
Nationwide	$3752	$638
Allstate	$4164	$694
State Farm	$7246	$1232
Auto-Owners	$3711	$630

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Car Insurance Rates with An Accident in Matheson

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Matheson, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Matheson

The cheapest car insurance companies after an at-fault accident in Matheson include Colorado Farm Bureau and American National, offering $203 and $237, respectively. AutoOwners is an expensive provider with an average six-month premium of $2038.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$203	$34
American National	$237	$40
American National P&C	$251	$42
Farm Bureau	$318	$54
California Casualty	$461	$76
Colorado Farm Bureau Mutual	$1064	$181
USAA	$1124	$189
State Farm	$1179	$198
American Family	$1422	$239
Progressive	$2112	$356
Allstate	$3190	$537
Farmers	$3731	$628
Nationwide	$4334	$723
Auto-Owners	$2038	$340

Matheson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Matheson CO. For example, the car insurance in Matheson after a DUI increases to $1205 for a six month policy. While the rate increases by $353 for a six-month policy in the case of a speeding ticket.

Matheson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1510	$252
One Med/PIP claim	$1517	$258
Not-at-fault accident	$1544	$258
One comp claim	$1550	$263
Two Med/PIP claims	$1550	$259
Two comp claims	$1612	$274
Failure to wear a seat belt	$1686	$282
Failure to show documents	$1700	$290
Child safety restraint	$1720	$286
Driving without lights	$1720	$293
Driving with expired registration	$1788	$298
Texting while driving	$1808	$308
At-fault accident - less than $1000	$1822	$303
Cell phone violation	$1829	$311
Failure to yield	$1829	$304
Following too closely	$1829	$311
Illegal turn	$1829	$304
Failure to stop at a red light	$1835	$312
Driving too slowly	$1842	$307
Improper passing	$1849	$315
Wrong way/wrong lane	$1856	$309
Speeding 6 - 10 MPH over limit	$1863	$317
Speeding 11 - 15 MPH over limit	$1868	$311
Speeding 16 - 20 MPH over limit	$1868	$318
Speeding in school zone	$1875	$312
Passing school bus	$1909	$325
In 65 MPH zone	$2031	$339
Operating a vehicle without permission	$2038	$347
Speeding 21 - 25 MPH over limit	$2066	$344
Open container	$2119	$360
At-fault accident - $1000-$2000	$2228	$372
At-fault accident - greater than $2000	$2275	$386
Driving with a suspended license	$2384	$397
Reckless driving	$2628	$447
Refusal to submit to a chemical test	$2654	$442
Racing	$2681	$456
DUI	$2715	$453
Leaving scene of an accident/hit and run	$2817	$479

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Matheson after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Matheson.

The cheapest car insurance premiums in Matheson are offered by Colorado Farm Bureau at $237 for a six-month policy. However, it can be as expensive as $2533 with companies like AutoOwners.

Matheson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$237	$40
American National	$251	$42
American National P&C	$284	$48
Farm Bureau	$373	$62
Colorado Farm Bureau Mutual	$1083	$185
Progressive	$1287	$217
State Farm	$1375	$231
American Family	$1530	$258
USAA	$1619	$272
Farmers	$2329	$392
Allstate	$2743	$462
Nationwide	$5850	$975
Auto-Owners	$2533	$431

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Matheson are offered by American National P&C at $210. However, it can be as expensive as $1273 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Matheson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$210	$35
Colorado Farm Bureau	$217	$36
Auto-Owners Insurance Co	$345	$57
State Farm	$1036	$174
American Family	$1097	$185
USAA	$1456	$247
Progressive	$1679	$283
Allstate	$2743	$466
Nationwide	$3575	$596
Farmers	$4666	$793
Auto-Owners	$1273	$217

Car Insurance Price Trends in Matheson, Colorado

Car insurance rates in Matheson have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Matheson rose by $296 in January compared to $268 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Matheson dipped to $55 in January, compared to $66 in December. This represents an decrease of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Matheson?

The car insurance in Matheson is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Matheson?

The cheapest car insurance in Matheson is $70 per month for full coverage.

How much is car insurance in Matheson for teenagers?

Car insurance for teenagers costs $170 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Matheson?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $234 per month to insure your car in Matheson.

Is car insurance expensive in Matheson?

Car insurance can be expensive in Matheson if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Matheson can be affordable.

What is the best car insurance in Matheson, CO?

The best car insurance company in Matheson CO is Colorado Farm Bureau, offering $420 for a six-month policy.