Cheapest Car Insurance Quotes in Matheny

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Matheny Car Insurance

^$ 34

/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 Matheny

The car insurance rate in Matheny is $1059 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $810, making it a popular choice for budget-conscious drivers. Rates in Matheny 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 Matheny

$1059

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Matheny

1st place: USAA

At $810 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $887 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $913 for six months, making it the third cheapest auto insurance company in Matheny.

Matheny Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Matheny, WV is USAA, offering policies at just $810 for a six-month term. This is followed by Erie, which has an average six-month premium of $887.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1561 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Matheny drivers find the best deals.

Cheap Car Insurance Companies in Matheny, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$810	$136
Erie	$887	$149
Westfield	$913	$154
Encompass	$1010	$172
State Farm	$1010	$170
Progressive	$1081	$182
Nationwide	$1204	$201
Allstate	$1561	$263

Key Takeaways

Way's key takeaways about car insurance in Matheny

The auto insurance costs in Matheny fall around $810 for six months.
The cheapest auto insurance company in Matheny is USAA.
Teen drivers pay the highest rate in Matheny at $896 per month.

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Cheapest Minimum Liability Car Insurance in Matheny

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 Matheny are given below.

USAA provides the cheapest minimum car insurance coverage in Matheny. Their Average 6 Month Premium is $201. Allstate is the most expensive at $583 for the same period.

Cheapest Liability Coverage in Matheny, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$201	$34
Westfield	$201	$34
Erie	$220	$37
State Farm	$284	$48
Encompass	$304	$51
Nationwide	$531	$90
Progressive	$564	$94
Allstate	$583	$99

Cheapest Full Coverage Car Insurance in Matheny

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 Matheny is USAA at $136 per month and $810 for six months.

Cheapest Full Coverage Car Insurance Quotes in Matheny, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$810	$136
Erie	$887	$149
Westfield	$913	$154
Encompass	$1010	$172
State Farm	$1010	$170
Progressive	$1081	$182
Nationwide	$1204	$201
Allstate	$1561	$263

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Average Car Insurance in Matheny 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 Matheny, WV increasing?

Despite maintaining a clean driving record, your car insurance rates in Matheny, 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, Matheny's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Matheny

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 Matheny,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Matheny at $194 per month. At $5322 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1152	$194
Erie	$1172	$197
USAA	$1412	$238
State Farm	$1806	$304
Progressive	$3904	$657
Nationwide	$4655	$791
Allstate	$5322	$896

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 Matheny, Westfield is the cheapest car insurance provider. At $705 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 Matheny is State Farm, offering rates of around $3451 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$705	$119
USAA	$1218	$203
Progressive	$1632	$278
Nationwide	$1645	$274
Erie	$1696	$289
Allstate	$2330	$388
State Farm	$3451	$586

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Car Insurance Rates with An Accident in Matheny

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

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

The cheapest car insurance companies after an at-fault accident in Matheny include Encompass and Erie, offering $401 and $700, respectively. Allstate is an expensive provider with an average six-month premium of $2227.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$401	$66
Erie	$700	$118
Westfield	$744	$125
USAA	$790	$133
State Farm	$841	$142
Progressive	$1852	$312
Nationwide	$1936	$323
Allstate	$2227	$375

Matheny Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Matheny WV. For example, the car insurance in Matheny after a DUI increases to $867 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Matheny auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1121	$186
One Med/PIP claim	$1121	$191
One comp claim	$1159	$193
Not-at-fault accident	$1165	$198
Two Med/PIP claims	$1172	$195
Two comp claims	$1231	$209
Failure to wear a seat belt	$1256	$209
Failure to show documents	$1275	$217
Driving without lights	$1288	$215
Cell phone violation	$1328	$226
Texting while driving	$1328	$221
Speeding 6 - 10 MPH over limit	$1334	$227
Driving with expired registration	$1341	$223
Driving too slowly	$1347	$229
Failure to stop at a red light	$1347	$225
Following too closely	$1347	$229
Illegal turn	$1347	$225
Improper passing	$1347	$229
Speeding 11 - 15 MPH over limit	$1347	$225
Speeding in school zone	$1347	$229
Wrong way/wrong lane	$1347	$225
Failure to yield	$1353	$230
Speeding 16 - 20 MPH over limit	$1353	$226
In 65 MPH zone	$1359	$231
Speeding 21 - 25 MPH over limit	$1359	$227
Passing school bus	$1392	$237
Child safety restraint	$1398	$233
Operating a vehicle without permission	$1398	$238
At-fault accident - less than $1000	$1502	$251
Open container	$1515	$257
At-fault accident - $1000-$2000	$1632	$271
At-fault accident - greater than $2000	$1632	$278
Driving with a suspended license	$1793	$299
Reckless driving	$1865	$317
DUI	$1988	$331
Refusal to submit to a chemical test	$1988	$338
Racing	$1995	$332
Leaving scene of an accident/hit and run	$2000	$340

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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 Matheny 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 Matheny.

The cheapest car insurance premiums in Matheny are offered by Erie at $997 for a six-month policy. However, it can be as expensive as $2415 with companies like Nationwide.

Matheny car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$997	$168
State Farm	$1127	$190
USAA	$1165	$196
Progressive	$1243	$209
Westfield	$1425	$240
Allstate	$2098	$353
Nationwide	$2415	$402

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 Matheny are offered by Westfield at $498. However, it can be as expensive as $1561 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Matheny after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$498	$84
Erie	$550	$93
State Farm	$602	$101
USAA	$744	$124
Progressive	$1237	$210
Allstate	$1548	$258
Nationwide	$1561	$265

Car Insurance Price Trends in Matheny, West Virginia

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

The average cost of full coverage in the Matheny remained steady at $211 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Matheny rose to $50 in December, compared to $49 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Matheny?

The car insurance in Matheny is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Matheny?

The cheapest car insurance in Matheny is $136 per month for full coverage.

How much is car insurance in Matheny for teenagers?

Car insurance for teenagers costs $1152 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 Matheny?

The average cost of car insurance is $972 for a six-month policy. It will cost around $178 per month to insure your car in Matheny.

Is car insurance expensive in Matheny?

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

Cheapest Car Insurance Quotes in Matheny

Why you can trust Way?

How Much Is Car Insurance in Matheny

Avg. Car Insurance in Matheny

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Matheny

1st place: USAA

2nd place: Erie

3rd place: Westfield

Matheny Car Insurance Rates by Company

Cheap Car Insurance Companies in Matheny, WV

Way's key takeaways about car insurance in Matheny

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Matheny

Cheapest Liability Coverage in Matheny, WV

Cheapest Full Coverage Car Insurance in Matheny

Cheapest Full Coverage Car Insurance Quotes in Matheny, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Matheny by Rating Factor

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

Car Insurance Premiums by Age in Matheny

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Matheny,WV

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

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 Matheny

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

Matheny Car Insurance Rates by Violation

Matheny auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Matheny after a DUI

Matheny car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Matheny after Speeding ticket

Car Insurance Price Trends in Matheny, West Virginia

Average Car Insurance Cost in Matheny by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Matheny, WV

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

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