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Finding the cheapest car insurance quotes in Monson 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 Monson
The car insurance rate in Monson is $692 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Monson 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 $353 for a six
month policy, Concord Group offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $445 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Vermont Mutual
Vermont Mutual offers auto insurance
rates at $451
for six months, making it
the third cheapest auto insurance company in Monson.
Monson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Monson, ME is Concord Group, offering policies at just $353 for a six-month term. This is followed by Travelers, which has an average six-month premium of $445.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monson drivers find the best deals.
The auto insurance costs in Monson fall around $353 for six
months.
The cheapest auto insurance company in Monson is MMG.
Teen drivers pay the highest rate in Monson at $711 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Monson
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 Monson are given below.
MMG provides
the cheapest minimum car insurance
coverage in Monson. Their Average 6 Month Premium is $149.
Electric is the most
expensive at $229 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 Monson is Concord Group
at $58 per month and $353
for six months.
Cheapest Full Coverage Car Insurance Quotes in Monson,
ME
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 Monson, ME increasing?
Despite maintaining a clean driving record, your car insurance rates
in Monson, Maine, may be increasing due to several external factors.
Maine has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Monson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Monson
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
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Cheapest Car Insurance Rates for Teen Drivers in
Monson,ME
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners provides the cheapest car
insurance in the Monson at $37
per
month. At $4269 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Monson.
As young drivers face the highest rates in Monson, N/A
offers the cheapest auto insurance rates at $N/A 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 Monson,
Concord Group is
the cheapest car insurance provider. At $284 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
Monson is State Farm, offering
rates of around $4040 for six
months.
Save up to $971/yr on car insurance rates in Monson.
Car Insurance Rates with An Accident in Monson
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 Monson, ME,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Monson
The cheapest car insurance companies after an at-fault accident in
Monson include Vermont Mutual
and AutoOwners, offering $160
and $254,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2391.
Here is a list of driving violations that can increase your car
insurance rates in Monson ME. For example, the car
insurance in Monson
after a DUI increases to $526 for a six
month policy. While the rate increases by $137 for a six-month policy in the case of
a speeding ticket.
Monson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$636
$106
One Med/PIP claim
$643
$109
Two Med/PIP claims
$673
$112
One comp claim
$679
$115
Not-at-fault accident
$685
$114
Driving without lights
$723
$123
Failure to show documents
$729
$122
Failure to wear a seat belt
$735
$125
Child safety restraint
$742
$124
Two comp claims
$754
$128
Driving with expired registration
$766
$128
Driving too slowly
$773
$131
Speeding 11 - 15 MPH over limit
$773
$129
Speeding 6 - 10 MPH over limit
$773
$131
Speeding in school zone
$773
$129
Following too closely
$778
$132
Illegal turn
$778
$130
In 65 MPH zone
$778
$132
Failure to stop at a red light
$784
$131
Failure to yield
$784
$133
Improper passing
$784
$131
Speeding 16 - 20 MPH over limit
$790
$134
Speeding 21 - 25 MPH over limit
$790
$132
Wrong way/wrong lane
$790
$134
Passing school bus
$822
$137
Cell phone violation
$840
$142
Texting while driving
$859
$144
At-fault accident - less than $1000
$877
$149
Open container
$920
$154
Operating a vehicle without permission
$939
$160
At-fault accident - $1000-$2000
$958
$159
At-fault accident - greater than $2000
$970
$165
Racing
$1075
$179
Driving with a suspended license
$1106
$188
Reckless driving
$1106
$184
DUI
$1162
$198
Refusal to submit to a chemical test
$1162
$193
Leaving scene of an accident/hit and run
$1229
$209
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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 Monson 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 Monson.
The cheapest car insurance premiums in
Monson are
offered by AutoOwners at $265 for a six-month policy.
However, it can be as
expensive as $5196 with companies
like Sentry.
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 Monson are offered by Vermont Mutual
at $142. However,
it can be as expensive as $1816
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Monson after Speeding ticket
Car insurance rates in Monson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Monson rose by
$159 in February
compared to $135 of January. In other words, there has been an increase by $24 when you
compare February and January.
The average cost of liability insurance in the Monson dipped to $35 in February,
compared to $38 in January.
This represents an decrease of $3
when comparing February and January.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Monson. At $1383 for a
six-month policy, insuring
your car at 4464 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 Monson?
The car insurance in Monson is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Monson?
The cheapest car insurance in Monson
is $58 per month
for full coverage.
How much is car insurance in Monson for teenagers?
Car insurance for teenagers costs $223 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
Monson?
The average cost of car insurance is $665 for a six-month
policy. It will cost around $115 per month to insure your
car in Monson.
Is car insurance expensive in Monson?
Car insurance can be expensive in Monson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Monson can be
affordable.
What is the best car insurance in Monson,
ME?
The best car insurance company in Monson
ME is
Concord Group, offering $353 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Monson, ME
Car Insurance Rates by State in the USA (2025 Update)
Monson Car Insurance
