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Finding the cheapest car insurance quotes in Matlock shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Matlock
The car insurance rate in Matlock is $862 for a six-month policy, which is $55 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Matlock 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.
At $385 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $519 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 $536
for six months, making it
the third cheapest auto insurance company in Matlock.
Matlock Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Matlock, WA is Kemper, offering policies at just $385 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $519.
At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2273 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Matlock drivers find the best deals.
Way's key takeaways about car insurance in Matlock
The auto insurance costs in Matlock fall around $385 for six
months.
The cheapest auto insurance company in Matlock is California Casualty.
Teen drivers pay the highest rate in Matlock at $640 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Matlock
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 Matlock are given below.
California Casualty provides
the cheapest minimum car insurance
coverage in Matlock. Their Average 6 Month Premium is $201.
Grange is the most
expensive at $201 for the same
period.
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 Matlock is Kemper
at $64 per month and $385
for six months.
Cheapest Full Coverage Car Insurance Quotes in Matlock,
WA
Get Your Car Insurance Quote in Matlock
Instantly!
Average Car Insurance in Matlock 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 Matlock, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Matlock, Washington, may be increasing due to several external factors.
Washington has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Matlock's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Matlock
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
PEMCO
$636
30s
PEMCO
$446
40s
PEMCO
$450
50s
PEMCO
$428
60s
PEMCO
$450
70s
PEMCO
$559
Cheapest Car Insurance Rates for Teen Drivers in
Matlock,WA
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Matlock at $53
per
month. At $3842 for a six-month premium,
Sentry offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Matlock.
As young drivers face the highest rates in Matlock, PEMCO
offers the cheapest auto insurance rates at $636 for six months.
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 Matlock,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $218 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
Matlock is Sentry, offering
rates of around $2273 for six
months.
Save up to $971/yr on car insurance rates in Matlock.
Car Insurance Rates with An Accident in Matlock
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 Matlock, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Matlock
The cheapest car insurance companies after an at-fault accident in
Matlock include AutoOwners Insurance Co
and Encompass, offering $279
and $319,
respectively. Sentry is an expensive provider
with an average six-month premium of
$3948.
Here is a list of driving violations that can increase your car
insurance rates in Matlock WA. For example, the car
insurance in Matlock
after a DUI increases to $765 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
Matlock auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1005
$167
One Med/PIP claim
$1005
$171
Not-at-fault accident
$1039
$173
Two Med/PIP claims
$1039
$177
One comp claim
$1044
$174
Two comp claims
$1089
$185
Failure to show documents
$1200
$200
Child safety restraint
$1212
$206
Driving without lights
$1223
$204
Failure to wear a seat belt
$1223
$208
Speeding 11 - 15 MPH over limit
$1223
$204
Speeding 16 - 20 MPH over limit
$1223
$208
Speeding 6 - 10 MPH over limit
$1223
$204
Driving too slowly
$1234
$210
Driving with expired registration
$1234
$206
Cell phone violation
$1240
$211
Failure to yield
$1240
$207
Improper passing
$1240
$211
Texting while driving
$1240
$207
Wrong way/wrong lane
$1240
$211
Failure to stop at a red light
$1246
$208
Following too closely
$1246
$212
Illegal turn
$1246
$208
Speeding in school zone
$1301
$221
Passing school bus
$1307
$218
At-fault accident - less than $1000
$1324
$225
Speeding 21 - 25 MPH over limit
$1324
$221
Open container
$1329
$226
In 65 MPH zone
$1379
$230
At-fault accident - $1000-$2000
$1430
$243
At-fault accident - greater than $2000
$1435
$239
Operating a vehicle without permission
$1446
$246
Refusal to submit to a chemical test
$1731
$289
Reckless driving
$1736
$295
Driving with a suspended license
$1753
$292
DUI
$1770
$301
Racing
$1831
$306
Leaving scene of an accident/hit and run
$1842
$313
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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 Matlock 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 Matlock.
The cheapest car insurance premiums in
Matlock are
offered by Chubb at $319 for a six-month policy.
However, it can be as
expensive as $2993 with companies
like Sentry.
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 Matlock are offered by Chubb
at $279. However,
it can be as expensive as $3658
with companies like Sentry for a similar
six-month premium.
Cheapest Car Insurance in Matlock after Speeding ticket
Car insurance rates in Matlock have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Matlock rose by
$183 in January
compared to $142 of December. In other words, there has been an increase by $41 when you
compare January and December.
The average cost of liability insurance in the Matlock rose to $53 in January,
compared to $48 in December.
This represents an increase of $5
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Matlock. At $1723 for a
six-month policy, insuring
your car at 98560 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Matlock?
The car insurance in Matlock is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Matlock?
The cheapest car insurance in Matlock
is $64 per month
for full coverage.
How much is car insurance in Matlock for teenagers?
Car insurance for teenagers costs $307 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
Matlock?
The average cost of car insurance is $917 for a six-month
policy. It will cost around $145 per month to insure your
car in Matlock.
Is car insurance expensive in Matlock?
Car insurance can be expensive in Matlock if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Matlock can be
affordable.
What is the best car insurance in Matlock,
WA?
The best car insurance company in Matlock
WA is
Kemper, offering $385 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Matlock, WA
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Matlock Car Insurance
