Cheapest Car Insurance Quotes in Matamoras

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Matamoras Car Insurance

^$ 29

/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 Matamoras

The car insurance rate in Matamoras is $984 for a six-month policy, which is $171 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Matamoras 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 Matamoras

$984

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Matamoras

1st place: AutoOwners Insurance Co

At $445 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $618 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $741 for six months, making it the third cheapest auto insurance company in Matamoras.

Matamoras Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Matamoras, PA is AutoOwners Insurance Co, offering policies at just $445 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $618.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1179 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Matamoras drivers find the best deals.

Cheap Car Insurance Companies in Matamoras, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$74
American National P&C	$618	$105
Westfield	$741	$123
Travelers	$797	$134
Erie	$970	$163
Nationwide	$1129	$190
State Farm	$1150	$194
Allstate	$1279	$215
USAA	$1359	$229
Progressive	$1689	$284
Auto-Owners	$460	$79
Encompass	$1179	$196

Key Takeaways

Way's key takeaways about car insurance in Matamoras

The auto insurance costs in Matamoras fall around $445 for six months.
The cheapest auto insurance company in Matamoras is Westfield.
Teen drivers pay the highest rate in Matamoras at $880 per month.

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Cheapest Minimum Liability Car Insurance in Matamoras

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 Matamoras are given below.

Westfield provides the cheapest minimum car insurance coverage in Matamoras. Their Average 6 Month Premium is $173. AutoOwners is the most expensive at $93 for the same period.

Cheapest Liability Coverage in Matamoras, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$180	$30
Erie	$230	$39
American National P&C	$237	$40
Chubb	$252	$42
Travelers	$266	$45
USAA	$316	$53
State Farm	$330	$56
Nationwide	$424	$71
Progressive	$482	$81
Allstate	$647	$109
Auto-Owners	$93	$16

Cheapest Full Coverage Car Insurance in Matamoras

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 Matamoras is AutoOwners Insurance Co at $74 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Matamoras, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$74
American National P&C	$618	$105
Westfield	$741	$123
Travelers	$797	$134
Erie	$970	$163
Nationwide	$1129	$190
State Farm	$1150	$194
Allstate	$1279	$215
USAA	$1359	$229
Progressive	$1689	$284
Auto-Owners	$460	$79
Encompass	$1179	$196

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Average Car Insurance in Matamoras 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 Matamoras, PA increasing?

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

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

Car Insurance Premiums by Age in Matamoras

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 Matamoras,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Matamoras at $30 per month. At $5276 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$180	$30
Auto-Owners Insurance Co	$208	$35
American National P&C	$273	$46
Chubb	$301	$51
Erie	$1237	$208
Travelers	$1423	$240
State Farm	$2049	$345
USAA	$2393	$407
Allstate	$3119	$520
Progressive	$3127	$531
Nationwide	$5276	$880

Teen Car Insurance Rates in PA 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 Matamoras, Westfield is the cheapest car insurance provider. At $281 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 Matamoras is State Farm, offering rates of around $5735 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$281	$47
Auto-Owners Insurance Co	$288	$48
Chubb	$338	$57
American National P&C	$381	$65
USAA	$1229	$204
Nationwide	$1279	$215
Erie	$2242	$374
Allstate	$2702	$460
Travelers	$2946	$491
Progressive	$3292	$560
State Farm	$5735	$956

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Car Insurance Rates with An Accident in Matamoras

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 Matamoras, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Matamoras include Westfield and AutoOwners Insurance Co, offering $252 and $288, respectively. Donegal is an expensive provider with an average six-month premium of $281.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$252	$42
Auto-Owners Insurance Co	$288	$48
Chubb	$338	$57
American National P&C	$345	$58
Erie	$575	$97
State Farm	$668	$113
Travelers	$797	$134
USAA	$1035	$174
Nationwide	$1589	$270
Allstate	$1638	$273
Progressive	$1941	$330
Auto-Owners	$93	$16
Donegal	$281	$47

Matamoras Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Matamoras PA. For example, the car insurance in Matamoras after a DUI increases to $1207 for a six month policy. While the rate increases by $1330 for a six-month policy in the case of a speeding ticket.

Matamoras auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1330	$221
Cell phone violation	$1552	$264
Failure to wear a seat belt	$1552	$259
Failure to stop at a red light	$1567	$266
Illegal turn	$1567	$261
Improper passing	$1567	$266
Speeding in school zone	$1567	$261
Texting while driving	$1567	$266
Driving with expired registration	$1574	$263
Speeding 16 - 20 MPH over limit	$1574	$267
Wrong way/wrong lane	$1589	$265
Open container	$1682	$286
Reckless driving	$2451	$409
Racing	$2494	$424
DUI	$2537	$422
Driving with a suspended license	$2552	$434
Leaving scene of an accident/hit and run	$2574	$428

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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 Matamoras 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 Matamoras.

The cheapest car insurance premiums in Matamoras are offered by American National P&C at $388 for a six-month policy. However, it can be as expensive as $3342 with companies like Nationwide.

Matamoras car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$388	$64
Travelers	$834	$140
Erie	$1042	$175
Allstate	$1157	$195
Progressive	$1264	$213
State Farm	$1474	$248
USAA	$1481	$249
Nationwide	$3342	$563

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 Matamoras are offered by Westfield at $151. However, it can be as expensive as $2329 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Matamoras after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$25
Auto-Owners Insurance Co	$194	$33
Erie	$668	$113
State Farm	$855	$144
Travelers	$927	$156
USAA	$1373	$229
Allstate	$1638	$278
Progressive	$1970	$328
Nationwide	$2329	$396

Car Insurance Price Trends in Matamoras, Pennsylvania

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

The average cost of full coverage in the Matamoras rose by $221 in January compared to $204 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Matamoras rose to $54 in January, compared to $46 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Matamoras?

The car insurance in Matamoras is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Matamoras?

The cheapest car insurance in Matamoras is $74 per month for full coverage.

How much is car insurance in Matamoras for teenagers?

Car insurance for teenagers costs $180 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 Matamoras?

The average cost of car insurance is $813 for a six-month policy. It will cost around $165 per month to insure your car in Matamoras.

Is car insurance expensive in Matamoras?

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

Cheapest Car Insurance Quotes in Matamoras

Why you can trust Way?

How Much Is Car Insurance in Matamoras

Avg. Car Insurance in Matamoras

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Matamoras

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Matamoras Car Insurance Rates by Company

Cheap Car Insurance Companies in Matamoras, PA

Way's key takeaways about car insurance in Matamoras

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Matamoras

Cheapest Liability Coverage in Matamoras, PA

Cheapest Full Coverage Car Insurance in Matamoras

Cheapest Full Coverage Car Insurance Quotes in Matamoras, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Matamoras by Rating Factor

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

Car Insurance Premiums by Age in Matamoras

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Matamoras,PA

If you are in your twenties N/A is the best choice for car insurance in Matamoras.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Matamoras

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

Matamoras Car Insurance Rates by Violation

Matamoras auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Matamoras after a DUI

Matamoras car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Matamoras after Speeding ticket

Car Insurance Price Trends in Matamoras, Pennsylvania

Average Car Insurance Cost in Matamoras by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Matamoras, PA

Car Insurance Rates by State in the USA (2025 Update)

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