Cheapest Car Insurance Quotes in Monticello

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Monticello Car Insurance

^$ 23

/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 Monticello

The car insurance rate in Monticello is $930 for a six-month policy, which is $92 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $395, making it a popular choice for budget-conscious drivers. Rates in Monticello 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 Monticello

$930

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Monticello

1st place: AutoOwners Insurance Co

At $395 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $432 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $568 for six months, making it the third cheapest auto insurance company in Monticello.

Monticello Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monticello, KY is AutoOwners Insurance Co, offering policies at just $395 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $432.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1081 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monticello drivers find the best deals.

Cheap Car Insurance Companies in Monticello, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$395	$67
Cincinnati	$432	$72
Kentucky Farm Bureau	$568	$96
Travelers	$741	$125
Farm Bureau	$763	$129
Shelter	$833	$140
Auto-Owners	$892	$152
Nationwide	$897	$151
USAA	$908	$153
State Farm	$1011	$170
Electric	$1048	$178
Progressive	$1168	$197
Allstate	$2292	$386
Grange	$1081	$180

Key Takeaways

Way's key takeaways about car insurance in Monticello

The auto insurance costs in Monticello fall around $395 for six months.
The cheapest auto insurance company in Monticello is Cincinnati.
Teen drivers pay the highest rate in Monticello at $1269 per month.

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Cheapest Minimum Liability Car Insurance in Monticello

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 Monticello are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Monticello. Their Average 6 Month Premium is $136. Allstate is the most expensive at $946 for the same period.

Cheapest Liability Coverage in Monticello, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$136	$23
Auto-Owners Insurance Co	$184	$31
Kentucky Farm Bureau	$206	$35
Electric	$222	$37
Nationwide	$259	$44
USAA	$270	$46
Farm Bureau	$281	$47
Travelers	$292	$49
Westfield	$303	$50
State Farm	$314	$53
Progressive	$346	$58
Shelter	$368	$62
Auto-Owners	$406	$67
Allstate	$946	$159

Cheapest Full Coverage Car Insurance in Monticello

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 Monticello is AutoOwners Insurance Co at $67 per month and $395 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monticello, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$395	$67
Cincinnati	$432	$72
Kentucky Farm Bureau	$568	$96
Travelers	$741	$125
Farm Bureau	$763	$129
Shelter	$833	$140
Auto-Owners	$892	$152
Nationwide	$897	$151
USAA	$908	$153
State Farm	$1011	$170
Electric	$1048	$178
Progressive	$1168	$197
Allstate	$2292	$386
Grange	$1081	$180

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Average Car Insurance in Monticello 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 Monticello, KY increasing?

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

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

Car Insurance Premiums by Age in Monticello

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	USAA	$900
30s	Auto-Owners	$683
40s	Auto-Owners	$667
50s	Auto-Owners	$637
60s	USAA	$662
70s	State Farm	$738

Cheapest Car Insurance Rates for Teen Drivers in Monticello,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Monticello at $29 per month. At $7535 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Auto-Owners Insurance Co	$259	$44
Kentucky Farm Bureau	$865	$146
Travelers	$1168	$197
Farm Bureau	$1189	$200
USAA	$1368	$230
Shelter	$1714	$288
State Farm	$1940	$327
Auto-Owners	$2703	$450
Progressive	$3622	$610
Allstate	$7535	$1269

Teen Car Insurance Rates in KY by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Monticello.

As young drivers face the highest rates in Monticello, USAA offers the cheapest auto insurance rates at $900 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 Monticello, Cincinnati is the cheapest car insurance provider. At $232 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 Monticello is Allstate, offering rates of around $4909 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$232	$39
Nationwide	$346	$59
Travelers	$973	$164
Progressive	$1114	$187
USAA	$1789	$298
Farm Bureau	$2330	$396
Auto-Owners	$2583	$430
Shelter	$2649	$450
State Farm	$3519	$586
Allstate	$4909	$834

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Car Insurance Rates with An Accident in Monticello

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 Monticello, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Monticello include AutoOwners Insurance Co and Electric, offering $276 and $276, respectively. Allstate is an expensive provider with an average six-month premium of $3973.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$276	$46
Electric	$276	$47
Cincinnati	$292	$48
Kentucky Farm Bureau	$400	$67
Farm Bureau	$568	$96
Travelers	$697	$117
State Farm	$724	$122
Shelter	$800	$135
USAA	$833	$140
Auto-Owners	$1227	$208
Progressive	$1373	$231
Allstate	$3973	$669

Monticello Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monticello KY. For example, the car insurance in Monticello after a DUI increases to $1130 for a six month policy. While the rate increases by $286 for a six-month policy in the case of a speeding ticket.

Monticello auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1319	$220
One Med/PIP claim	$1330	$226
Two Med/PIP claims	$1384	$230
Not-at-fault accident	$1421	$242
One comp claim	$1443	$240
Failure to wear a seat belt	$1460	$248
Failure to show documents	$1508	$251
Two comp claims	$1508	$257
Driving without lights	$1513	$252
Child safety restraint	$1530	$260
Cell phone violation	$1589	$265
Driving with expired registration	$1594	$271
Texting while driving	$1594	$266
Driving too slowly	$1605	$273
Failure to stop at a red light	$1605	$268
Failure to yield	$1605	$273
Speeding 6 - 10 MPH over limit	$1605	$268
Speeding in school zone	$1605	$273
Following too closely	$1611	$268
Illegal turn	$1611	$274
Speeding 11 - 15 MPH over limit	$1611	$268
Wrong way/wrong lane	$1611	$274
Improper passing	$1616	$269
Speeding 16 - 20 MPH over limit	$1616	$275
Speeding 21 - 25 MPH over limit	$1649	$275
In 65 MPH zone	$1660	$282
Passing school bus	$1686	$281
Open container	$1730	$294
At-fault accident - less than $1000	$1762	$294
Operating a vehicle without permission	$1892	$322
At-fault accident - $1000-$2000	$1914	$319
At-fault accident - greater than $2000	$1914	$326
Reckless driving	$2405	$401
Refusal to submit to a chemical test	$2438	$415
DUI	$2449	$408
Driving with a suspended license	$2454	$418
Racing	$2465	$410
Leaving scene of an accident/hit and run	$2492	$424

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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 Monticello 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 Monticello.

The cheapest car insurance premiums in Monticello are offered by Cincinnati at $362 for a six-month policy. However, it can be as expensive as $2059 with companies like AutoOwners.

Monticello car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$362	$60
Kentucky Farm Bureau	$481	$82
Travelers	$649	$109
Progressive	$789	$133
Shelter	$794	$134
State Farm	$816	$137
USAA	$919	$155
Allstate	$1752	$295
Farm Bureau	$1778	$297
Auto-Owners	$2059	$350

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 Monticello are offered by Cincinnati at $162. However, it can be as expensive as $2697 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Monticello after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Kentucky Farm Bureau	$195	$33
Auto-Owners Insurance Co	$222	$37
State Farm	$611	$103
Travelers	$660	$111
Shelter	$708	$119
Farm Bureau	$763	$129
Progressive	$886	$149
Auto-Owners	$908	$155
USAA	$1092	$182
Allstate	$2697	$459

Car Insurance Price Trends in Monticello, Kentucky

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

The average cost of full coverage in the Monticello rose by $202 in December compared to $200 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 Monticello rose to $56 in December, compared to $55 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 Monticello?

The car insurance in Monticello is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Monticello?

The cheapest car insurance in Monticello is $67 per month for full coverage.

How much is car insurance in Monticello for teenagers?

Car insurance for teenagers costs $173 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 Monticello?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $157 per month to insure your car in Monticello.

Is car insurance expensive in Monticello?

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

Cheapest Car Insurance Quotes in Monticello

Why you can trust Way?

How Much Is Car Insurance in Monticello

Avg. Car Insurance in Monticello

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Monticello

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Monticello Car Insurance Rates by Company

Cheap Car Insurance Companies in Monticello, KY

Way's key takeaways about car insurance in Monticello

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monticello

Cheapest Liability Coverage in Monticello, KY

Cheapest Full Coverage Car Insurance in Monticello

Cheapest Full Coverage Car Insurance Quotes in Monticello, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monticello by Rating Factor

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

Car Insurance Premiums by Age in Monticello

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Monticello,KY

If you are in your twenties USAA is the best choice for car insurance in Monticello.

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 Monticello

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

Monticello Car Insurance Rates by Violation

Monticello auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monticello after a DUI

Monticello car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monticello after Speeding ticket

Car Insurance Price Trends in Monticello, Kentucky

Average Car Insurance Cost in Monticello by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monticello, KY

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

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