Cheapest Car Insurance Quotes in Monmouth

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Monmouth Car Insurance

^$ 17

/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 Monmouth

The car insurance rate in Monmouth is $713 for a six-month policy, which is $14 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in Monmouth 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 Monmouth

$713

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Monmouth

1st place: West Bend Mutual

At $375 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $449 for six months, making it the third cheapest auto insurance company in Monmouth.

Monmouth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monmouth, IA is West Bend Mutual, offering policies at just $375 for a six-month term. This is followed by Grange, which has an average six-month premium of $424.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monmouth drivers find the best deals.

Cheap Car Insurance Companies in Monmouth, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$375	$62
Grange	$424	$72
Travelers	$449	$75
Auto-Owners Insurance Co	$455	$78
Hastings Mutual	$466	$78
Westfield	$497	$85
IMT Insurance Company	$515	$86
State Farm	$612	$103
American Family	$630	$106
USAA	$672	$113
Pekin	$684	$114
Progressive	$691	$116
Auto-Owners	$836	$140
Farm Bureau Mutual (IA Group)	$843	$143
Farm Bureau	$946	$157
Nationwide	$1121	$191
Grinnell Mutual	$1224	$204
Allstate	$1399	$236

Key Takeaways

Way's key takeaways about car insurance in Monmouth

The auto insurance costs in Monmouth fall around $375 for six months.
The cheapest auto insurance company in Monmouth is Pekin.
Teen drivers pay the highest rate in Monmouth at $603 per month.

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Cheapest Minimum Liability Car Insurance in Monmouth

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 Monmouth are given below.

Pekin provides the cheapest minimum car insurance coverage in Monmouth. Their Average 6 Month Premium is $103. West Bend is the most expensive at $128 for the same period.

Cheapest Liability Coverage in Monmouth, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$103	$17
Westfield	$109	$18
Hastings Mutual	$115	$19
Progressive	$121	$20
West Bend Mutual	$121	$20
USAA	$128	$21
Grange	$134	$22
State Farm	$134	$22
Farm Bureau Mutual (IA Group)	$146	$24
Auto-Owners Insurance Co	$152	$26
Iowa Farm Bureau	$163	$28
Travelers	$169	$29
Farm Bureau	$175	$30
American Family	$182	$31
Auto-Owners	$194	$33
Grinnell Mutual	$272	$46
Allstate	$400	$67
Nationwide	$424	$72
West Bend	$128	$21

Cheapest Full Coverage Car Insurance in Monmouth

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 Monmouth is West Bend Mutual at $62 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monmouth, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$375	$62
Grange	$424	$72
Travelers	$449	$75
Auto-Owners Insurance Co	$455	$78
Hastings Mutual	$466	$78
Westfield	$497	$85
IMT Insurance Company	$515	$86
State Farm	$612	$103
American Family	$630	$106
USAA	$672	$113
Pekin	$684	$114
Progressive	$691	$116
Auto-Owners	$836	$140
Farm Bureau Mutual (IA Group)	$843	$143
Farm Bureau	$946	$157
Nationwide	$1121	$191
Grinnell Mutual	$1224	$204
Allstate	$1399	$236

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Average Car Insurance in Monmouth 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 Monmouth, IA increasing?

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

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

Car Insurance Premiums by Age in Monmouth

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 Monmouth,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Monmouth at $22 per month. At $3545 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
Grange	$152	$26
West Bend Mutual	$163	$28
Iowa Farm Bureau	$188	$32
Travelers	$636	$107
USAA	$794	$134
Progressive	$1193	$201
State Farm	$1358	$228
American Family	$1605	$270
Farm Bureau	$2067	$345
Farm Bureau Mutual (IA Group)	$2273	$387
Auto-Owners	$2314	$386
Grinnell Mutual	$2751	$468
Allstate	$3029	$510
Nationwide	$3545	$603

Teen Car Insurance Rates in IA 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 Monmouth, Grange is the cheapest car insurance provider. At $175 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 Monmouth is Grinnell Mutual, offering rates of around $2151 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$175	$30
Westfield	$212	$36
West Bend Mutual	$218	$37
Travelers	$237	$40
Progressive	$684	$115
American Family	$787	$133
State Farm	$1466	$247
Nationwide	$1599	$272
Farm Bureau	$1630	$271
Allstate	$2121	$361
Auto-Owners	$2139	$356
Grinnell Mutual	$2151	$366

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Car Insurance Rates with An Accident in Monmouth

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 Monmouth, IA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Monmouth include Hastings Mutual and Pekin, offering $115 and $140, respectively. Allstate is an expensive provider with an average six-month premium of $1921.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$115	$19
Pekin	$140	$23
Western National	$182	$31
Westfield	$182	$31
Grange	$206	$35
Auto-Owners Insurance Co	$212	$36
West Bend Mutual	$212	$36
State Farm	$443	$74
Travelers	$455	$77
Progressive	$643	$108
Grinnell Mutual	$727	$122
American Family	$836	$141
USAA	$933	$155
Auto-Owners	$1097	$187
Farm Bureau Mutual (IA Group)	$1242	$207
Farm Bureau	$1539	$262
Nationwide	$1781	$297
Allstate	$1921	$323

Monmouth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monmouth IA. For example, the car insurance in Monmouth after a DUI increases to $726 for a six month policy. While the rate increases by $103 for a six-month policy in the case of a speeding ticket.

Monmouth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$855	$143
One Med/PIP claim	$866	$147
Not-at-fault accident	$890	$149
One comp claim	$915	$156
Two Med/PIP claims	$939	$156
Child safety restraint	$958	$163
Failure to show documents	$958	$159
Failure to wear a seat belt	$958	$163
Speeding 6 - 10 MPH over limit	$958	$159
Two comp claims	$958	$163
Driving without lights	$963	$160
Driving with expired registration	$987	$168
Failure to yield	$987	$164
Illegal turn	$987	$168
Failure to stop at a red light	$993	$165
Wrong way/wrong lane	$1000	$170
Cell phone violation	$1006	$167
Driving too slowly	$1006	$171
Speeding 11 - 15 MPH over limit	$1006	$167
Texting while driving	$1006	$171
Speeding 16 - 20 MPH over limit	$1012	$168
Speeding in school zone	$1024	$174
Improper passing	$1030	$171
Following too closely	$1036	$176
At-fault accident - less than $1000	$1055	$175
Passing school bus	$1072	$183
Operating a vehicle without permission	$1127	$188
At-fault accident - $1000-$2000	$1145	$195
Speeding 21 - 25 MPH over limit	$1145	$191
At-fault accident - greater than $2000	$1152	$196
In 65 MPH zone	$1230	$205
Open container	$1296	$220
Racing	$1461	$244
Driving with a suspended license	$1490	$253
Reckless driving	$1527	$254
Refusal to submit to a chemical test	$1551	$264
DUI	$1581	$263
Leaving scene of an accident/hit and run	$1599	$272

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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 Monmouth 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 Monmouth.

The cheapest car insurance premiums in Monmouth are offered by Western National at $182 for a six-month policy. However, it can be as expensive as $2369 with companies like Grinnell Mutual.

Monmouth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
Grange	$237	$40
Travelers	$237	$40
West Bend Mutual	$237	$40
Progressive	$455	$77
State Farm	$527	$89
American Family	$866	$146
Allstate	$1860	$316
Auto-Owners	$1981	$330
Farm Bureau	$2067	$351
Nationwide	$2217	$369
Grinnell Mutual	$2369	$403

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 Monmouth are offered by Westfield at $134. However, it can be as expensive as $1551 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Monmouth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
West Bend Mutual	$157	$27
Western National	$182	$31
Iowa Farm Bureau	$200	$34
Travelers	$200	$34
Grange	$206	$35
State Farm	$346	$58
Progressive	$509	$86
American Family	$612	$103
Farm Bureau	$1158	$193
Grinnell Mutual	$1224	$208
Nationwide	$1406	$235
Auto-Owners	$1455	$247
Allstate	$1551	$258

Car Insurance Price Trends in Monmouth, Iowa

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

The average cost of full coverage in the Monmouth remained steady at $143 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Monmouth remained steady at $30 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Monmouth?

The car insurance in Monmouth is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Monmouth?

The cheapest car insurance in Monmouth is $62 per month for full coverage.

How much is car insurance in Monmouth for teenagers?

Car insurance for teenagers costs $134 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 Monmouth?

The average cost of car insurance is $699 for a six-month policy. It will cost around $119 per month to insure your car in Monmouth.

Is car insurance expensive in Monmouth?

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

Cheapest Car Insurance Quotes in Monmouth

Why you can trust Way?

How Much Is Car Insurance in Monmouth

Avg. Car Insurance in Monmouth

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Monmouth

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Monmouth Car Insurance Rates by Company

Cheap Car Insurance Companies in Monmouth, IA

Way's key takeaways about car insurance in Monmouth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monmouth

Cheapest Liability Coverage in Monmouth, IA

Cheapest Full Coverage Car Insurance in Monmouth

Cheapest Full Coverage Car Insurance Quotes in Monmouth, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monmouth by Rating Factor

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

Car Insurance Premiums by Age in Monmouth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Monmouth,IA

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

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 Monmouth

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

Monmouth Car Insurance Rates by Violation

Monmouth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monmouth after a DUI

Monmouth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monmouth after Speeding ticket

Car Insurance Price Trends in Monmouth, Iowa

Average Car Insurance Cost in Monmouth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monmouth, IA

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

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