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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 $1425 for a six-month policy, which is $107 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, 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 $415 for a six
month policy, Safety Group offers
the cheapest
auto
insurance rates in the city.
2nd place: Vermont Mutual
Vermont Mutual offers auto
insurance rates at $486 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $618
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, MA is Safety Group, offering policies at just $415 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $486.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $4618 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 $415 for six
months.
The cheapest auto insurance company in Monson is State Farm.
Teen drivers pay the highest rate in Monson at $717 per
month.
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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.
State Farm provides
the cheapest minimum car insurance
coverage in Monson. Their Average 6 Month Premium is $94.
Allstate is the most
expensive at $425 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 Safety Group
at $69 per month and $415
for six months.
Cheapest Full Coverage Car Insurance Quotes in Monson,
MA
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, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Monson, Massachusetts, may be increasing due to several external factors.
Massachusetts 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
20s
State Farm
$334
30s
State Farm
$270
40s
State Farm
$270
50s
State Farm
$270
60s
State Farm
$238
70s
State Farm
$206
Cheapest Car Insurance Rates for Teen Drivers in
Monson,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Monson at $24
per
month. At $4215 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Monson.
As young drivers face the highest rates in Monson, State Farm
offers the cheapest auto insurance rates at $334 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,
companyName is
the cheapest car insurance provider. At $monthlyPremium 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 companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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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, MA,
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 American Family
and Safety Group, offering $227
and $254,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1900.
Here is a list of driving violations that can increase your car
insurance rates in Monson MA. For example, the car
insurance in Monson
after a DUI increases to $691 for a six
month policy. While the rate increases by $182 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
$735
$123
One Med/PIP claim
$735
$125
Not-at-fault accident
$757
$126
One comp claim
$757
$128
Two Med/PIP claims
$757
$126
Two comp claims
$784
$133
At-fault accident - less than $1000
$812
$136
Child safety restraint
$840
$143
Driving without lights
$840
$140
Failure to wear a seat belt
$851
$145
Cell phone violation
$911
$152
Texting while driving
$911
$155
Driving too slowly
$917
$153
Failure to stop at a red light
$917
$156
Failure to yield
$917
$153
Following too closely
$917
$156
Illegal turn
$917
$153
Improper passing
$917
$156
Speeding 11 - 15 MPH over limit
$917
$153
Speeding 16 - 20 MPH over limit
$917
$156
Speeding 6 - 10 MPH over limit
$917
$153
Speeding in school zone
$917
$156
Wrong way/wrong lane
$917
$153
In 65 MPH zone
$923
$157
Speeding 21 - 25 MPH over limit
$923
$153
Operating a vehicle without permission
$928
$158
Passing school bus
$967
$161
At-fault accident - $1000-$2000
$1138
$193
Failure to show documents
$1160
$193
At-fault accident - greater than $2000
$1165
$198
Driving with expired registration
$1171
$195
Open container
$1238
$210
Reckless driving
$1336
$223
Refusal to submit to a chemical test
$1364
$232
Driving with a suspended license
$1420
$236
Racing
$1420
$242
DUI
$1426
$237
Leaving scene of an accident/hit and run
$1442
$246
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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 American Family at $276 for a six-month policy.
However, it can be as
expensive as $2358 with companies
like Allstate.
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 State Farm
at $122. However,
it can be as expensive as $1453
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Monson after Speeding ticket
Car Insurance Price Trends in Monson,
Massachusetts
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 dipped by
$203 in December
compared to $206 of November. In other words, there has been an decrease by $3 when you
compare December and November.
The average cost of liability insurance in the Monson rose to $40 in December,
compared to $39 in November.
This represents an increase of $1
when comparing December and November.
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 $2849 for a
six-month policy, insuring
your car at 1057 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 $16 per month, which is lower than the national average.
What is the cheapest car insurance in Monson?
The cheapest car insurance in Monson
is $69 per month
for full coverage.
How much is car insurance in Monson for teenagers?
Car insurance for teenagers costs $143 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 $1532 for a six-month
policy. It will cost around $240 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,
MA?
The best car insurance company in Monson
MA is
Safety Group, offering $415 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Monson, MA
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Monson Car Insurance
