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Finding the cheapest car insurance quotes in Montrose 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 Montrose
The car insurance rate in Montrose is $1355 for a six-month policy, which is $344 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $860, making it a popular choice for budget-conscious drivers. Rates in Montrose 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 $860 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1091 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $1154
for six months, making it
the third cheapest auto insurance company in Montrose.
Montrose Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Montrose, CA is CSAA, offering policies at just $860 for a six-month term. This is followed by USAA, which has an average six-month premium of $1091.
At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $1034 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montrose drivers find the best deals.
Way's key takeaways about car insurance in Montrose
The auto insurance costs in Montrose fall around $860 for six
months.
The cheapest auto insurance company in Montrose is CSAA.
Teen drivers pay the highest rate in Montrose at $90 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Montrose
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 Montrose are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Montrose. Their Average 6 Month Premium is $206.
21st Century is the most
expensive at $541 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 Montrose is CSAA
at $145 per month and $860
for six months.
Cheapest Full Coverage Car Insurance Quotes in Montrose,
CA
Get Your Car Insurance Quote in Montrose
Instantly!
Average Car Insurance in Montrose 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 Montrose, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Montrose, California, may be increasing due to several external factors.
California has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Montrose's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Montrose
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
Wawanesa
$784
30s
Wawanesa
$632
40s
Wawanesa
$632
50s
Wawanesa
$632
60s
Wawanesa
$632
70s
Wawanesa
$619
Cheapest Car Insurance Rates for Teen Drivers in
Montrose,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Montrose at $52
per
month. At $525 for a six-month premium,
Marcury offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in Montrose.
As young drivers face the highest rates in Montrose, Wawanesa
offers the cheapest auto insurance rates at $784 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 Montrose,
companyName is
the cheapest car insurance provider. At $monthlyPremium 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
Montrose is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Montrose
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 Montrose, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Montrose
The cheapest car insurance companies after an at-fault accident in
Montrose include AAA
and Capital Insurance Group, offering $509
and $732,
respectively. 21st Century is an expensive provider
with an average six-month premium of
$915.
Here is a list of driving violations that can increase your car
insurance rates in Montrose CA. For example, the car
insurance in Montrose
after a DUI increases to $2331 for a six
month policy. While the rate increases by $612 for a six-month policy in the case of
a speeding ticket.
Montrose auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1457
$243
Not-at-fault accident
$1457
$248
One comp claim
$1457
$243
One Med/PIP claim
$1457
$248
Two comp claims
$1457
$243
Two Med/PIP claims
$1457
$248
At-fault accident - less than $1000
$1489
$248
Failure to show documents
$1919
$326
Driving with expired registration
$1958
$327
Driving without lights
$1958
$332
Failure to wear a seat belt
$1966
$328
Child safety restraint
$1982
$336
Speeding 11 - 15 MPH over limit
$2061
$343
Speeding 16 - 20 MPH over limit
$2061
$351
Driving too slowly
$2069
$344
Failure to stop at a red light
$2069
$352
Failure to yield
$2069
$344
Following too closely
$2069
$352
Illegal turn
$2069
$344
In 65 MPH zone
$2069
$352
Speeding 21 - 25 MPH over limit
$2069
$344
Speeding 6 - 10 MPH over limit
$2069
$352
Speeding in school zone
$2069
$344
Improper passing
$2077
$354
Cell phone violation
$2085
$347
Texting while driving
$2085
$355
Passing school bus
$2109
$351
Wrong way/wrong lane
$2467
$419
Operating a vehicle without permission
$2523
$421
At-fault accident - $1000-$2000
$2539
$431
At-fault accident - greater than $2000
$2539
$423
Open container
$2547
$433
Driving with a suspended license
$2953
$492
Reckless driving
$3598
$612
Racing
$3638
$606
Leaving scene of an accident/hit and run
$3653
$622
DUI
$3788
$631
Refusal to submit to a chemical test
$3788
$645
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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 Montrose 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 Montrose.
The cheapest car insurance premiums in
Montrose are
offered by AAA at $1002 for a six-month policy.
However, it can be as
expensive as $844 with companies
like Kemper.
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 Montrose are offered by CSAA
at $127. However,
it can be as expensive as $604
with companies like State National for a similar
six-month premium.
Cheapest Car Insurance in Montrose after Speeding ticket
Car Insurance Price Trends in Montrose,
California
Car insurance rates in Montrose have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Montrose rose by
$257 in December
compared to $255 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Montrose rose to $72 in December,
compared to $70 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Montrose by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Montrose. At $2709 for a
six-month policy, insuring
your car at 91020 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 Montrose?
The car insurance in Montrose is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Montrose?
The cheapest car insurance in Montrose
is $145 per month
for full coverage.
How much is car insurance in Montrose for teenagers?
Car insurance for teenagers costs $311 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
Montrose?
The average cost of car insurance is $1011 for a six-month
policy. It will cost around $228 per month to insure your
car in Montrose.
Is car insurance expensive in Montrose?
Car insurance can be expensive in Montrose if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Montrose can be
affordable.
What is the best car insurance in Montrose,
CA?
The best car insurance company in Montrose
CA is
CSAA, offering $860 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Montrose, CA
Car Insurance Rates by State in the USA (2025 Update)
Montrose Car Insurance
