Cheapest Car Insurance Quotes in Matewan

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Matewan Car Insurance

^$ 39

/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 Matewan

The car insurance rate in Matewan is $1273 for a six-month policy, which is $221 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $920, making it a popular choice for budget-conscious drivers. Rates in Matewan 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 Matewan

$1273

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Matewan

1st place: USAA

At $920 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $1014 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $1056 for six months, making it the third cheapest auto insurance company in Matewan.

Matewan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Matewan, WV is USAA, offering policies at just $920 for a six-month term. This is followed by Erie, which has an average six-month premium of $1014.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1797 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Matewan drivers find the best deals.

Cheap Car Insurance Companies in Matewan, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$920	$155
Erie	$1014	$171
Westfield	$1056	$178
Encompass	$1122	$191
Progressive	$1279	$215
State Farm	$1279	$215
Nationwide	$1718	$287
Allstate	$1797	$303

Key Takeaways

Way's key takeaways about car insurance in Matewan

The auto insurance costs in Matewan fall around $920 for six months.
The cheapest auto insurance company in Matewan is USAA.
Teen drivers pay the highest rate in Matewan at $1139 per month.

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Cheapest Minimum Liability Car Insurance in Matewan

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 Matewan are given below.

USAA provides the cheapest minimum car insurance coverage in Matewan. Their Average 6 Month Premium is $230. Nationwide is the most expensive at $726 for the same period.

Cheapest Liability Coverage in Matewan, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$230	$39
Westfield	$230	$39
Erie	$244	$41
Encompass	$338	$57
State Farm	$345	$58
Allstate	$626	$106
Progressive	$633	$105
Nationwide	$726	$123

Cheapest Full Coverage Car Insurance in Matewan

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 Matewan is USAA at $155 per month and $920 for six months.

Cheapest Full Coverage Car Insurance Quotes in Matewan, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$920	$155
Erie	$1014	$171
Westfield	$1056	$178
Encompass	$1122	$191
Progressive	$1279	$215
State Farm	$1279	$215
Nationwide	$1718	$287
Allstate	$1797	$303

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Average Car Insurance in Matewan 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 Matewan, WV increasing?

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

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

Car Insurance Premiums by Age in Matewan

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 Matewan,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Matewan at $231 per month. At $6835 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1373	$231
Westfield	$1423	$240
USAA	$1631	$275
State Farm	$2200	$370
Progressive	$4750	$800
Allstate	$6181	$1041
Nationwide	$6835	$1139

Teen Car Insurance Rates in WV 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 Matewan, Westfield is the cheapest car insurance provider. At $912 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 Matewan is State Farm, offering rates of around $5211 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$912	$154
USAA	$1516	$253
Erie	$2235	$380
Nationwide	$2357	$393
Progressive	$2587	$440
Allstate	$2811	$468
State Farm	$5211	$886

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Car Insurance Rates with An Accident in Matewan

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 Matewan, WV, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Matewan include Encompass and Erie, offering $445 and $805, respectively. Nationwide is an expensive provider with an average six-month premium of $2817.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$445	$74
Erie	$805	$136
Westfield	$877	$148
USAA	$905	$152
State Farm	$985	$166
Progressive	$2120	$357
Allstate	$2738	$461
Nationwide	$2817	$479

Matewan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Matewan WV. For example, the car insurance in Matewan after a DUI increases to $963 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Matewan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1244	$207
One Med/PIP claim	$1244	$212
One comp claim	$1286	$214
Not-at-fault accident	$1293	$220
Two Med/PIP claims	$1301	$217
Two comp claims	$1366	$232
Failure to wear a seat belt	$1394	$232
Failure to show documents	$1416	$241
Driving without lights	$1430	$238
Cell phone violation	$1474	$250
Texting while driving	$1474	$246
Speeding 6 - 10 MPH over limit	$1481	$252
Driving with expired registration	$1488	$248
Driving too slowly	$1496	$254
Failure to stop at a red light	$1496	$249
Following too closely	$1496	$254
Illegal turn	$1496	$249
Improper passing	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$249
Speeding in school zone	$1496	$254
Wrong way/wrong lane	$1496	$249
Failure to yield	$1502	$255
Speeding 16 - 20 MPH over limit	$1502	$250
In 65 MPH zone	$1509	$257
Speeding 21 - 25 MPH over limit	$1509	$252
Passing school bus	$1545	$263
Child safety restraint	$1552	$259
Operating a vehicle without permission	$1552	$264
At-fault accident - less than $1000	$1667	$278
Open container	$1682	$286
At-fault accident - $1000-$2000	$1811	$301
At-fault accident - greater than $2000	$1811	$309
Driving with a suspended license	$1990	$332
Reckless driving	$2070	$352
DUI	$2207	$368
Refusal to submit to a chemical test	$2207	$375
Racing	$2214	$369
Leaving scene of an accident/hit and run	$2220	$378

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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 Matewan 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 Matewan.

The cheapest car insurance premiums in Matewan are offered by Erie at $1150 for a six-month policy. However, it can be as expensive as $3536 with companies like Nationwide.

Matewan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1150	$194
USAA	$1337	$225
State Farm	$1373	$231
Progressive	$1589	$267
Westfield	$1682	$283
Allstate	$2422	$408
Nationwide	$3536	$589

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 Matewan are offered by Westfield at $647. However, it can be as expensive as $2257 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Matewan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$647	$109
Erie	$690	$116
State Farm	$841	$142
USAA	$934	$156
Progressive	$1990	$339
Allstate	$2171	$362
Nationwide	$2257	$384

Car Insurance Price Trends in Matewan, West Virginia

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

The average cost of full coverage in the Matewan rose by $269 in January compared to $235 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Matewan rose to $58 in January, compared to $56 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Matewan?

The car insurance in Matewan is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Matewan?

The cheapest car insurance in Matewan is $155 per month for full coverage.

How much is car insurance in Matewan for teenagers?

Car insurance for teenagers costs $1373 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 Matewan?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $214 per month to insure your car in Matewan.

Is car insurance expensive in Matewan?

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

Cheapest Car Insurance Quotes in Matewan

Why you can trust Way?

How Much Is Car Insurance in Matewan

Avg. Car Insurance in Matewan

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Matewan

1st place: USAA

2nd place: Erie

3rd place: Westfield

Matewan Car Insurance Rates by Company

Cheap Car Insurance Companies in Matewan, WV

Way's key takeaways about car insurance in Matewan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Matewan

Cheapest Liability Coverage in Matewan, WV

Cheapest Full Coverage Car Insurance in Matewan

Cheapest Full Coverage Car Insurance Quotes in Matewan, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Matewan by Rating Factor

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

Car Insurance Premiums by Age in Matewan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Matewan,WV

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

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 Matewan

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

Matewan Car Insurance Rates by Violation

Matewan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Matewan after a DUI

Matewan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Matewan after Speeding ticket

Car Insurance Price Trends in Matewan, West Virginia

Average Car Insurance Cost in Matewan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Matewan, WV

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

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