Cheapest Car Insurance Quotes in Monticello

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Monticello Car Insurance

^$ 50

/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 $1914 for a six-month policy, which is $407 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, 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

$1914

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Monticello

1st place: Louisiana Farm Bureau

At $618 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Farm Bureau

Farm Bureau offers auto insurance rates at $1350 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1403 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, LA is Louisiana Farm Bureau, offering policies at just $618 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1350.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2731 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, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$618	$103
Farm Bureau	$1350	$227
Southern Farm Bureau	$1403	$234
USAA	$1825	$307
Progressive	$2007	$338
State Farm	$2127	$358
Safeway	$2233	$376
SafeAuto	$2399	$408
Encompass	$2452	$409
Allstate	$2731	$460

Key Takeaways

Way's key takeaways about car insurance in Monticello

The auto insurance costs in Monticello fall around $618 for six months.
The cheapest auto insurance company in Monticello is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Monticello at $159 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.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Monticello. Their Average 6 Month Premium is $295. AAA is the most expensive at $611 for the same period.

Cheapest Liability Coverage in Monticello, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$295	$50
Farm Bureau	$460	$77
Southern Farm Bureau	$490	$81
State Farm	$603	$102
USAA	$603	$102
Progressive	$634	$107
Allstate	$822	$138
SafeAuto	$860	$146
Safeway	$906	$152
AAA	$611	$102

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 Louisiana Farm Bureau at $103 per month and $618 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monticello, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$618	$103
Farm Bureau	$1350	$227
Southern Farm Bureau	$1403	$234
USAA	$1825	$307
Progressive	$2007	$338
State Farm	$2127	$358
Safeway	$2233	$376
SafeAuto	$2399	$408
Encompass	$2452	$409
Allstate	$2731	$460

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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, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Monticello, Louisiana, may be increasing due to several external factors. Louisiana 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	$1267
30s	USAA	$1029
40s	USAA	$947
50s	USAA	$906
60s	USAA	$966
70s	USAA	$991

Cheapest Car Insurance Rates for Teen Drivers in Monticello,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Monticello at $80 per month. At $936 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$483	$80
Farm Bureau	$2120	$361
State Farm	$2723	$458
USAA	$3456	$588
Safeway	$5258	$876
Allstate	$5650	$960
Progressive	$5974	$1006
AAA	$936	$159

Teen Car Insurance Rates in LA 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 $1267 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, Louisiana Farm Bureau is the cheapest car insurance provider. At $528 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 State Farm, offering rates of around $8245 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$528	$90
Allstate	$1871	$312
Farm Bureau	$1953	$333
Safeway	$2181	$363
Progressive	$2202	$371
USAA	$2286	$381
State Farm	$8245	$1402

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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, LA, 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 Louisiana Farm Bureau and State Farm, offering $385 and $1147, respectively. Allstate is an expensive provider with an average six-month premium of $2120.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$385	$64
State Farm	$1147	$193
Farm Bureau	$1396	$232
USAA	$1570	$264
Progressive	$1683	$283
Safeway	$1932	$325
Allstate	$2120	$357

Monticello Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monticello LA. For example, the car insurance in Monticello after a DUI increases to $1795 for a six month policy. While the rate increases by $520 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	$2082	$347
One Med/PIP claim	$2082	$354
Two Med/PIP claims	$2104	$351
Not-at-fault accident	$2112	$359
One comp claim	$2120	$353
Two comp claims	$2196	$373
Failure to wear a seat belt	$2452	$409
Failure to show documents	$2482	$422
Child safety restraint	$2520	$420
Driving without lights	$2520	$428
Driving with expired registration	$2565	$428
Driving too slowly	$2602	$442
Speeding 11 - 15 MPH over limit	$2602	$434
Speeding 16 - 20 MPH over limit	$2602	$442
Speeding 6 - 10 MPH over limit	$2602	$434
Speeding in school zone	$2602	$442
In 65 MPH zone	$2610	$436
Cell phone violation	$2633	$447
Texting while driving	$2633	$439
Wrong way/wrong lane	$2633	$447
At-fault accident - less than $1000	$2648	$441
Failure to stop at a red light	$2648	$451
Failure to yield	$2648	$441
Following too closely	$2648	$451
Illegal turn	$2648	$441
Improper passing	$2648	$451
Passing school bus	$2671	$445
Speeding 21 - 25 MPH over limit	$2671	$455
Open container	$2746	$457
Operating a vehicle without permission	$2935	$499
At-fault accident - $1000-$2000	$3010	$502
At-fault accident - greater than $2000	$3010	$512
Reckless driving	$3636	$606
Refusal to submit to a chemical test	$3697	$629
DUI	$3877	$646
Racing	$3908	$664
Leaving scene of an accident/hit and run	$3938	$657
Driving with a suspended license	$3954	$672

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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 Louisiana Farm Bureau at $423 for a six-month policy. However, it can be as expensive as $1026 with companies like AAA.

Monticello car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$423	$72
Farm Bureau	$1448	$241
Southern Farm Bureau	$1742	$296
Progressive	$1984	$334
USAA	$2701	$455
Safeway	$2708	$456
State Farm	$2784	$469
Allstate	$3379	$569
AAA	$1026	$174

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 Louisiana Farm Bureau at $347. However, it can be as expensive as $2422 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
Louisiana Farm Bureau	$347	$58
State Farm	$1177	$198
Farm Bureau	$1237	$211
Progressive	$1645	$277
USAA	$1811	$307
Safeway	$2233	$372
Allstate	$2422	$411

Car Insurance Price Trends in Monticello, Louisiana

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 $385 in December compared to $380 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Monticello rose to $105 in December, compared to $97 in November. This represents an increase of $8 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 $50 per month, which is lower than the national average.

What is the cheapest car insurance in Monticello?

The cheapest car insurance in Monticello is $103 per month for full coverage.

How much is car insurance in Monticello for teenagers?

Car insurance for teenagers costs $483 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 $1507 for a six-month policy. It will cost around $321 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.

What is the best car insurance in Monticello, LA?

The best car insurance company in Monticello LA is Louisiana Farm Bureau, offering $618 for a six-month policy.