Cheapest Car Insurance Quotes in Monument Hills

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Monument Hills Car Insurance

^$ 22

/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 Monument Hills

The car insurance rate in Monument Hills is $1071 for a six-month policy, which is $174 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Monument Hills 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 Monument Hills

$1071

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Monument Hills

1st place: CSAA

At $552 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $884 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $899 for six months, making it the third cheapest auto insurance company in Monument Hills.

Monument Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monument Hills, CA is CSAA, offering policies at just $552 for a six-month term. This is followed by Mercury, which has an average six-month premium of $884.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1180 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monument Hills drivers find the best deals.

Cheap Car Insurance Companies in Monument Hills, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$552	$93
Mercury	$884	$149
AAA NorCal	$899	$153
Progressive	$899	$151
Wawanesa	$940	$158
USAA	$955	$161
Auto Club	$980	$167
Allstate	$1093	$184
AAA SoCal	$1154	$196
Kemper	$1221	$204
State Farm	$1308	$220
Travelers	$1461	$243
Farmers	$1466	$249
AAA	$1180	$197

Key Takeaways

Way's key takeaways about car insurance in Monument Hills

The auto insurance costs in Monument Hills fall around $552 for six months.
The cheapest auto insurance company in Monument Hills is CSAA.
Teen drivers pay the highest rate in Monument Hills at $519 per month.

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Cheapest Minimum Liability Car Insurance in Monument Hills

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 Monument Hills are given below.

CSAA provides the cheapest minimum car insurance coverage in Monument Hills. Their Average 6 Month Premium is $132. Travelers is the most expensive at $562 for the same period.

Cheapest Liability Coverage in Monument Hills, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$132	$22
AAA NorCal	$219	$37
USAA	$250	$42
Progressive	$297	$50
Auto Club	$301	$50
Wawanesa	$316	$53
AAA	$363	$60
AAA SoCal	$368	$63
Mercury	$368	$62
State Farm	$403	$68
Allstate	$465	$78
Farmers	$501	$85
Travelers	$562	$94

Cheapest Full Coverage Car Insurance in Monument Hills

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 Monument Hills is CSAA at $93 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monument Hills, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$552	$93
Mercury	$884	$149
AAA NorCal	$899	$153
Progressive	$899	$151
Wawanesa	$940	$158
USAA	$955	$161
Auto Club	$980	$167
Allstate	$1093	$184
AAA SoCal	$1154	$196
Kemper	$1221	$204
State Farm	$1308	$220
Travelers	$1461	$243
Farmers	$1466	$249
AAA	$1180	$197

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Average Car Insurance in Monument Hills 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 Monument Hills, CA increasing?

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

Car Insurance Premiums by Age in Monument Hills

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	$516
30s	Wawanesa	$416
40s	Wawanesa	$416
50s	Wawanesa	$416
60s	Wawanesa	$416
70s	Wawanesa	$408

Cheapest Car Insurance Rates for Teen Drivers in Monument Hills,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Monument Hills at $61 per month. At $3111 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$358	$61
Capital Insurance Group	$450	$75
USAA	$1170	$197
Wawanesa	$1195	$200
Progressive	$1369	$230
Mercury	$1420	$239
CSAA	$1507	$254
Auto Club	$2212	$369
State Farm	$2258	$380
Allstate	$2626	$442
AAA SoCal	$2779	$472
AAA NorCal	$2815	$469
Travelers	$2922	$497
Farmers	$3111	$519

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Monument Hills.

As young drivers face the highest rates in Monument Hills, Wawanesa offers the cheapest auto insurance rates at $516 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Monument Hills.

Car Insurance Rates with An Accident in Monument Hills

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 Monument Hills, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Monument Hills

The cheapest car insurance companies after an at-fault accident in Monument Hills include AAA and Capital Insurance Group, offering $322 and $470, respectively. Allstate is an expensive provider with an average six-month premium of $2968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$322	$53
Capital Insurance Group	$470	$80
CSAA	$629	$106
USAA	$1032	$174
Mercury	$1129	$190
Progressive	$1180	$199
Wawanesa	$1328	$221
Auto Club	$1471	$250
Farmers	$1609	$271
AAA NorCal	$1824	$310
AAA SoCal	$1977	$329
State Farm	$2335	$393
Travelers	$2815	$469
Allstate	$2968	$500

Monument Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monument Hills CA. For example, the car insurance in Monument Hills after a DUI increases to $1496 for a six month policy. While the rate increases by $393 for a six-month policy in the case of a speeding ticket.

Monument Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$935	$156
Not-at-fault accident	$935	$159
One comp claim	$935	$156
One Med/PIP claim	$935	$159
Two comp claims	$935	$156
Two Med/PIP claims	$935	$159
At-fault accident - less than $1000	$955	$159
Failure to show documents	$1232	$209
Driving with expired registration	$1256	$210
Driving without lights	$1256	$213
Failure to wear a seat belt	$1262	$211
Child safety restraint	$1272	$216
Speeding 11 - 15 MPH over limit	$1323	$220
Speeding 16 - 20 MPH over limit	$1323	$225
Driving too slowly	$1328	$221
Failure to stop at a red light	$1328	$226
Failure to yield	$1328	$221
Following too closely	$1328	$226
Illegal turn	$1328	$221
In 65 MPH zone	$1328	$226
Speeding 21 - 25 MPH over limit	$1328	$221
Speeding 6 - 10 MPH over limit	$1328	$226
Speeding in school zone	$1328	$221
Improper passing	$1333	$227
Cell phone violation	$1338	$223
Texting while driving	$1338	$228
Passing school bus	$1354	$225
Wrong way/wrong lane	$1583	$269
Operating a vehicle without permission	$1619	$270
At-fault accident - $1000-$2000	$1630	$277
At-fault accident - greater than $2000	$1630	$272
Open container	$1635	$278
Driving with a suspended license	$1895	$316
Reckless driving	$2309	$393
Racing	$2335	$389
Leaving scene of an accident/hit and run	$2344	$399
DUI	$2431	$405
Refusal to submit to a chemical test	$2431	$414

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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 Monument Hills 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 Monument Hills.

The cheapest car insurance premiums in Monument Hills are offered by Capital Insurance Group at $700 for a six-month policy. However, it can be as expensive as $643 with companies like AAA.

Monument Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$700	$117
Mercury	$1001	$169
Progressive	$1328	$224
Wawanesa	$1496	$255
Farmers	$1680	$283
CSAA	$1788	$301
USAA	$1844	$310
Travelers	$2094	$353
Auto Club	$2958	$493
AAA NorCal	$3234	$550
AAA SoCal	$3627	$605
State Farm	$4603	$775
Allstate	$4690	$789
AAA	$643	$109

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 Monument Hills are offered by CSAA at $82. However, it can be as expensive as $2248 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Monument Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$82	$14
Capital Insurance Group	$450	$77
Mercury	$966	$163
USAA	$986	$168
Progressive	$991	$167
AAA NorCal	$1140	$194
AAA SoCal	$1578	$263
Allstate	$2002	$341
Farmers	$2085	$347
State Farm	$2227	$378
Travelers	$2248	$375

Car Insurance Price Trends in Monument Hills, California

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

The average cost of full coverage in the Monument Hills rose by $182 in January compared to $165 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Monument Hills rose to $52 in January, compared to $47 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Monument Hills?

The car insurance in Monument Hills is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Monument Hills?

The cheapest car insurance in Monument Hills is $93 per month for full coverage.

How much is car insurance in Monument Hills for teenagers?

Car insurance for teenagers costs $358 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 Monument Hills?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $180 per month to insure your car in Monument Hills.

Is car insurance expensive in Monument Hills?

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

Cheapest Car Insurance Quotes in Monument Hills

Why you can trust Way?

How Much Is Car Insurance in Monument Hills

Avg. Car Insurance in Monument Hills

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Monument Hills

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Monument Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Monument Hills, CA

Way's key takeaways about car insurance in Monument Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monument Hills

Cheapest Liability Coverage in Monument Hills, CA

Cheapest Full Coverage Car Insurance in Monument Hills

Cheapest Full Coverage Car Insurance Quotes in Monument Hills, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monument Hills by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Monument Hills, CA increasing?

Car Insurance Premiums by Age in Monument Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Monument Hills,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Monument Hills.

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 Monument Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Monument Hills

Monument Hills Car Insurance Rates by Violation

Monument Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monument Hills after a DUI

Monument Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monument Hills after Speeding ticket

Car Insurance Price Trends in Monument Hills, California

Average Car Insurance Cost in Monument Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monument Hills, CA

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

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