Cheapest Car Insurance Quotes in Monroe

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Monroe Car Insurance

^$ 36

/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 Monroe

The car insurance rate in Monroe is $1377 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $513, making it a popular choice for budget-conscious drivers. Rates in Monroe 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 Monroe

$1377

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Monroe

1st place: Travelers

At $513 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $710 for six months, making it the third cheapest auto insurance company in Monroe.

Monroe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monroe, MI is Travelers, offering policies at just $513 for a six-month term. This is followed by USAA, which has an average six-month premium of $655.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $847 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monroe drivers find the best deals.

Cheap Car Insurance Companies in Monroe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$513	$86
USAA	$655	$110
Encompass	$710	$121
Auto-Owners Insurance Co	$729	$122
Chubb	$766	$130
Farm Bureau Ins of MI	$902	$151
Auto-Owners	$945	$159
AAA	$952	$160
Pioneer State Mutual Ins Co	$982	$167
Progressive	$1007	$170
Westfield	$1223	$206
Farm Bureau	$1748	$291
Pioneer State Mutual	$1903	$323
State Farm	$2032	$342
Frankenmuth	$2162	$368
Bristol West	$2440	$407
Allstate	$1872	$318
Farmers	$3793	$645
Hastings Mutual	$847	$141

Key Takeaways

Way's key takeaways about car insurance in Monroe

The auto insurance costs in Monroe fall around $513 for six months.
The cheapest auto insurance company in Monroe is Travelers.
Teen drivers pay the highest rate in Monroe at $1005 per month.

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Cheapest Minimum Liability Car Insurance in Monroe

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 Monroe are given below.

Travelers provides the cheapest minimum car insurance coverage in Monroe. Their Average 6 Month Premium is $216. Farmers is the most expensive at $1971 for the same period.

Cheapest Liability Coverage in Monroe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$216	$36
Westfield	$229	$38
USAA	$271	$46
Encompass	$296	$50
Chubb	$315	$54
Auto-Owners Insurance Co	$340	$56
Auto-Owners	$376	$63
Progressive	$426	$72
AAA	$433	$74
Farm Bureau Ins of MI	$439	$73
Farm Bureau	$550	$94
Pioneer State Mutual	$556	$93
Frankenmuth	$655	$111
State Farm	$1013	$171
Bristol West	$1019	$174
Allstate	$797	$135
Farmers	$1971	$329

Cheapest Full Coverage Car Insurance in Monroe

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 Monroe is Travelers at $86 per month and $513 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monroe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$513	$86
USAA	$655	$110
Encompass	$710	$121
Auto-Owners Insurance Co	$729	$122
Chubb	$766	$130
Farm Bureau Ins of MI	$902	$151
Auto-Owners	$945	$159
AAA	$952	$160
Pioneer State Mutual Ins Co	$982	$167
Progressive	$1007	$170
Westfield	$1223	$206
Farm Bureau	$1748	$291
Pioneer State Mutual	$1903	$323
State Farm	$2032	$342
Frankenmuth	$2162	$368
Bristol West	$2440	$407
Allstate	$1872	$318
Farmers	$3793	$645
Hastings Mutual	$847	$141

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Average Car Insurance in Monroe 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 Monroe, MI increasing?

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

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

Car Insurance Premiums by Age in Monroe

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 Monroe,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Monroe at $43 per month. At $6029 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$254	$43
Westfield	$271	$46
Encompass	$296	$50
Chubb	$353	$60
Auto-Owners Insurance Co	$370	$61
Grange	$482	$82
USAA	$1044	$176
Auto-Owners	$1309	$220
AAA	$1699	$286
Progressive	$2397	$404
Farm Bureau	$2854	$475
Pioneer State Mutual	$3348	$569
Frankenmuth	$3990	$666
State Farm	$5610	$954
Allstate	$4053	$690
Farmers	$17396	$2958
Bristol West	$6029	$1005

Teen Car Insurance Rates in MI 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 Monroe, Travelers is the cheapest car insurance provider. At $414 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 Monroe is Farm Bureau Ins of MI, offering rates of around $1309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$414	$69
Encompass	$426	$73
Progressive	$599	$100
Westfield	$630	$107
Auto-Owners Insurance Co	$668	$111
Pioneer State Mutual Ins Co	$815	$138
Grange	$1032	$172
Farm Bureau Ins of MI	$1309	$223

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Car Insurance Rates with An Accident in Monroe

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 Monroe, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Monroe include Chubb and Westfield, offering $315 and $334, respectively. Pioneer State is an expensive provider with an average six-month premium of $494.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$54
Westfield	$334	$55
Auto-Owners Insurance Co	$389	$67
Encompass	$439	$73
Farm Bureau Ins of MI	$519	$88
Pioneer State Mutual Ins Co	$574	$96
Travelers	$612	$103
USAA	$797	$134
Progressive	$945	$159
Auto-Owners	$1099	$185
AAA	$1309	$220
Farm Bureau	$2137	$357
Pioneer State Mutual	$2280	$388
State Farm	$2576	$430
Frankenmuth	$2780	$473
Allstate	$2984	$497
Farmers	$5331	$907
Pioneer State	$494	$82

Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monroe MI. For example, the car insurance in Monroe after a DUI increases to $2496 for a six month policy. While the rate increases by $1359 for a six-month policy in the case of a speeding ticket.

Monroe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1359	$227
Failure to wear a seat belt	$1612	$275
Cell phone violation	$1711	$285
Texting while driving	$1711	$291
Illegal turn	$1717	$286
Wrong way/wrong lane	$1717	$292
Speeding in school zone	$1742	$290
Driving with expired registration	$1754	$298
Failure to stop at a red light	$1773	$295
Improper passing	$1773	$302
Speeding 16 - 20 MPH over limit	$1971	$329
Open container	$2322	$395
Driving with a suspended license	$2601	$434
Racing	$3354	$570
Reckless driving	$3645	$607
Leaving scene of an accident/hit and run	$3738	$635
DUI	$3855	$643

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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 Monroe 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 Monroe.

The cheapest car insurance premiums in Monroe are offered by Chubb at $315 for a six-month policy. However, it can be as expensive as $9735 with companies like Allstate.

Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$315	$52
Auto-Owners Insurance Co	$834	$141
Grange	$840	$140
Farmers	$853	$145
Progressive	$939	$158
Pioneer State Mutual Ins Co	$1013	$173
USAA	$1124	$189
Travelers	$1242	$211
Auto-Owners	$2008	$338
Westfield	$2045	$344
AAA	$2255	$380
Bristol West	$2891	$492
Pioneer State Mutual	$3639	$606
Farm Bureau	$4281	$728
State Farm	$5295	$891
Frankenmuth	$9582	$1630
Allstate	$9735	$1622

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 Monroe are offered by Westfield at $271. However, it can be as expensive as $12288 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Monroe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$271	$46
Chubb	$315	$52
Encompass	$334	$57
Travelers	$408	$68
Auto-Owners Insurance Co	$433	$74
Farm Bureau Ins of MI	$618	$103
Grange	$655	$111
Auto-Owners	$822	$137
USAA	$840	$142
AAA	$1063	$177
Farm Bureau	$1099	$187
Pioneer State Mutual	$1211	$202
Progressive	$1236	$208
Frankenmuth	$1977	$330
State Farm	$3595	$612
Allstate	$2440	$415
Farmers	$12288	$2089

Car Insurance Price Trends in Monroe, Michigan

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

The average cost of full coverage in the Monroe dipped by $218 in January compared to $279 of December. In other words, there has been an decrease by $61 when you compare January and December.

The average cost of liability insurance in the Monroe dipped to $77 in January, compared to $93 in December. This represents an decrease of $16 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Monroe?

The car insurance in Monroe is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Monroe?

The cheapest car insurance in Monroe is $86 per month for full coverage.

How much is car insurance in Monroe for teenagers?

Car insurance for teenagers costs $254 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 Monroe?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $232 per month to insure your car in Monroe.

Is car insurance expensive in Monroe?

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

Cheapest Car Insurance Quotes in Monroe

Why you can trust Way?

How Much Is Car Insurance in Monroe

Avg. Car Insurance in Monroe

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Monroe

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Monroe Car Insurance Rates by Company

Cheap Car Insurance Companies in Monroe, MI

Way's key takeaways about car insurance in Monroe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monroe

Cheapest Liability Coverage in Monroe, MI

Cheapest Full Coverage Car Insurance in Monroe

Cheapest Full Coverage Car Insurance Quotes in Monroe, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monroe by Rating Factor

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

Car Insurance Premiums by Age in Monroe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Monroe,MI

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

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 Monroe

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

Monroe Car Insurance Rates by Violation

Monroe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monroe after a DUI

Monroe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monroe after Speeding ticket

Car Insurance Price Trends in Monroe, Michigan

Average Car Insurance Cost in Monroe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monroe, MI

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

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