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Finding the cheapest car insurance quotes in Mathias 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 Mathias
The car insurance rate in Mathias is $875 for a six-month policy, which is $97 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $669, making it a popular choice for budget-conscious drivers. Rates in Mathias 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 $669 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $733 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $754
for six months, making it
the third cheapest auto insurance company in Mathias.
Mathias Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mathias, WV is USAA, offering policies at just $669 for a six-month term. This is followed by Erie, which has an average six-month premium of $733.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1289 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mathias drivers find the best deals.
Way's key takeaways about car insurance in Mathias
The auto insurance costs in Mathias fall around $669 for six
months.
The cheapest auto insurance company in Mathias is USAA.
Teen drivers pay the highest rate in Mathias at $740 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 Mathias
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 Mathias are given below.
USAA provides
the cheapest minimum car insurance
coverage in Mathias. Their Average 6 Month Premium is $166.
Allstate is the most
expensive at $482 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 Mathias is USAA
at $113 per month and $669
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mathias,
WV
Get Your Car Insurance Quote in Mathias
Instantly!
Average Car Insurance in Mathias 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 Mathias, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mathias, 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, Mathias's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mathias
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
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Cheapest Car Insurance Rates for Teen Drivers in
Mathias,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Mathias at $160
per
month. At $4395 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Mathias.
As young drivers face the highest rates in Mathias, N/A
offers the cheapest auto insurance rates at $N/A 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 Mathias,
Westfield is
the cheapest car insurance provider. At $582 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
Mathias is State Farm, offering
rates of around $2849 for six
months.
Save up to $971/yr on car insurance rates in Mathias.
Car Insurance Rates with An Accident in Mathias
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 Mathias, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mathias
The cheapest car insurance companies after an at-fault accident in
Mathias include Encompass
and Erie, offering $331
and $578,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1839.
Here is a list of driving violations that can increase your car
insurance rates in Mathias WV. For example, the car
insurance in Mathias
after a DUI increases to $717 for a six
month policy. While the rate increases by $177 for a six-month policy in the case of
a speeding ticket.
Mathias auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$925
$154
One Med/PIP claim
$925
$158
One comp claim
$957
$159
Not-at-fault accident
$962
$164
Two Med/PIP claims
$968
$161
Two comp claims
$1016
$173
Failure to wear a seat belt
$1037
$173
Failure to show documents
$1053
$179
Driving without lights
$1064
$177
Cell phone violation
$1096
$186
Texting while driving
$1096
$183
Speeding 6 - 10 MPH over limit
$1102
$187
Driving with expired registration
$1107
$185
Driving too slowly
$1112
$189
Failure to stop at a red light
$1112
$185
Following too closely
$1112
$189
Illegal turn
$1112
$185
Improper passing
$1112
$189
Speeding 11 - 15 MPH over limit
$1112
$185
Speeding in school zone
$1112
$189
Wrong way/wrong lane
$1112
$185
Failure to yield
$1117
$190
Speeding 16 - 20 MPH over limit
$1117
$186
In 65 MPH zone
$1122
$191
Speeding 21 - 25 MPH over limit
$1122
$187
Passing school bus
$1149
$195
Child safety restraint
$1155
$193
Operating a vehicle without permission
$1155
$196
At-fault accident - less than $1000
$1240
$207
Open container
$1251
$212
At-fault accident - $1000-$2000
$1347
$224
At-fault accident - greater than $2000
$1347
$230
Driving with a suspended license
$1481
$247
Reckless driving
$1540
$262
DUI
$1642
$274
Refusal to submit to a chemical test
$1642
$279
Racing
$1647
$275
Leaving scene of an accident/hit and run
$1652
$281
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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 Mathias 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 Mathias.
The cheapest car insurance premiums in
Mathias are
offered by Erie at $824 for a six-month policy.
However, it can be as
expensive as $1994 with companies
like Nationwide.
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 Mathias are offered by Westfield
at $411. However,
it can be as expensive as $1289
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Mathias after Speeding ticket
Car Insurance Price Trends in Mathias,
West Virginia
Car insurance rates in Mathias have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mathias remained steady at $175 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Mathias remained steady at $41 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mathias. At $1749 for a
six-month policy, insuring
your car at 26812 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 Mathias?
The car insurance in Mathias is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Mathias?
The cheapest car insurance in Mathias
is $113 per month
for full coverage.
How much is car insurance in Mathias for teenagers?
Car insurance for teenagers costs $951 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
Mathias?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $147 per month to insure your
car in Mathias.
Is car insurance expensive in Mathias?
Car insurance can be expensive in Mathias if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mathias can be
affordable.
What is the best car insurance in Mathias,
WV?
The best car insurance company in Mathias
WV is
USAA, offering $669 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mathias, WV
Car Insurance Rates by State in the USA (2025 Update)
Mathias Car Insurance
