Cheapest Car Insurance Quotes in South Monroe

Finding the cheapest car insurance quotes in South Monroe 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

South Monroe Car Insurance

^$ 34

/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 South Monroe

The car insurance rate in South Monroe is $1179 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $483, making it a popular choice for budget-conscious drivers. Rates in South 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 South Monroe

$1179

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in South Monroe

1st place: Travelers

At $483 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $606 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $669 for six months, making it the third cheapest auto insurance company in South Monroe.

South Monroe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Monroe, MI is Travelers, offering policies at just $483 for a six-month term. This is followed by USAA, which has an average six-month premium of $606.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $798 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Monroe drivers find the best deals.

Cheap Car Insurance Companies in South Monroe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$483	$81
USAA	$606	$102
Encompass	$669	$112
Auto-Owners Insurance Co	$687	$117
Chubb	$722	$121
Auto-Owners	$809	$136
AAA	$826	$139
Farm Bureau Ins of MI	$850	$144
Pioneer State Mutual Ins Co	$925	$154
Progressive	$925	$156
Westfield	$1152	$194
Farm Bureau	$1299	$221
State Farm	$1653	$278
Allstate	$1764	$300
Bristol West	$2299	$383
Farmers	$3574	$608
Hastings Mutual	$798	$133

Key Takeaways

Way's key takeaways about car insurance in South Monroe

The auto insurance costs in South Monroe fall around $483 for six months.
The cheapest auto insurance company in South Monroe is Travelers.
Teen drivers pay the highest rate in South Monroe at $947 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 South 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 South Monroe are given below.

Travelers provides the cheapest minimum car insurance coverage in South Monroe. Their Average 6 Month Premium is $204. Hastings Mutual is the most expensive at $349 for the same period.

Cheapest Liability Coverage in South Monroe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$204	$34
Westfield	$216	$36
USAA	$273	$46
Encompass	$279	$47
Chubb	$297	$49
Auto-Owners Insurance Co	$320	$55
Auto-Owners	$378	$64
Farm Bureau Ins of MI	$414	$71
Progressive	$425	$72
AAA	$507	$86
Farm Bureau	$640	$107
Allstate	$751	$127
Bristol West	$960	$160
State Farm	$1030	$173
Farmers	$1857	$310
Hastings Mutual	$349	$58

Cheapest Full Coverage Car Insurance in South 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 South Monroe is Travelers at $81 per month and $483 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Monroe, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$483	$81
USAA	$606	$102
Encompass	$669	$112
Auto-Owners Insurance Co	$687	$117
Chubb	$722	$121
Auto-Owners	$809	$136
AAA	$826	$139
Farm Bureau Ins of MI	$850	$144
Pioneer State Mutual Ins Co	$925	$154
Progressive	$925	$156
Westfield	$1152	$194
Farm Bureau	$1299	$221
State Farm	$1653	$278
Allstate	$1764	$300
Bristol West	$2299	$383
Farmers	$3574	$608
Hastings Mutual	$798	$133

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in South Monroe Instantly!

Average Car Insurance in South 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 South Monroe, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in South 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, South 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 South 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$273
30s	USAA	$208
40s	USAA	$199
50s	USAA	$191
60s	Chubb	$174
70s	Chubb	$191

Cheapest Car Insurance Rates for Teen Drivers in South Monroe,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the South Monroe at $40 per month. At $5681 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$239	$40
Westfield	$256	$43
Encompass	$279	$47
Chubb	$332	$57
Auto-Owners Insurance Co	$349	$58
Grange	$454	$77
USAA	$920	$155
Auto-Owners	$1101	$185
AAA	$1467	$247
Farm Bureau	$2113	$360
Progressive	$2265	$381
Allstate	$3819	$650
State Farm	$3918	$653
Farmers	$16392	$2787
Bristol West	$5681	$947

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in South Monroe.

As young drivers face the highest rates in South Monroe, Chubb offers the cheapest auto insurance rates at $273 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 South Monroe, Travelers is the cheapest car insurance provider. At $390 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 South Monroe is Farm Bureau Ins of MI, offering rates of around $1234 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$390	$67
Encompass	$402	$67
Progressive	$564	$96
Westfield	$594	$99
Auto-Owners Insurance Co	$629	$107
Pioneer State Mutual Ins Co	$768	$128
Grange	$972	$166
Farm Bureau Ins of MI	$1234	$206

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in South Monroe.

Car Insurance Rates with An Accident in South 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 South Monroe, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in South Monroe include Chubb and Westfield, offering $297 and $315, respectively. Pioneer State is an expensive provider with an average six-month premium of $466.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$297	$51
Westfield	$315	$52
Auto-Owners Insurance Co	$367	$63
Encompass	$414	$69
Farm Bureau Ins of MI	$489	$83
Pioneer State Mutual Ins Co	$541	$90
Travelers	$576	$97
USAA	$722	$122
Progressive	$798	$134
Auto-Owners	$891	$150
AAA	$1141	$192
Farm Bureau	$1590	$265
State Farm	$1810	$308
Allstate	$2812	$468
Farmers	$5023	$855
Pioneer State	$466	$77

South Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Monroe MI. For example, the car insurance in South Monroe after a DUI increases to $2352 for a six month policy. While the rate increases by $1281 for a six-month policy in the case of a speeding ticket.

South Monroe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1281	$214
Failure to wear a seat belt	$1519	$259
Cell phone violation	$1612	$269
Texting while driving	$1612	$274
Illegal turn	$1618	$270
Wrong way/wrong lane	$1618	$275
Speeding in school zone	$1642	$273
Driving with expired registration	$1653	$281
Failure to stop at a red light	$1671	$278
Improper passing	$1671	$284
Speeding 16 - 20 MPH over limit	$1857	$310
Open container	$2188	$372
Driving with a suspended license	$2451	$409
Racing	$3161	$537
Reckless driving	$3435	$572
Leaving scene of an accident/hit and run	$3522	$599
DUI	$3633	$606

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 South 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 South Monroe.

The cheapest car insurance premiums in South Monroe are offered by Chubb at $297 for a six-month policy. However, it can be as expensive as $9174 with companies like Allstate.

South Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$297	$49
Auto-Owners Insurance Co	$786	$133
Grange	$792	$132
Progressive	$844	$142
Pioneer State Mutual Ins Co	$955	$159
USAA	$1030	$173
Travelers	$1170	$195
Auto-Owners	$1770	$298
Westfield	$1927	$324
AAA	$1990	$335
Bristol West	$2724	$454
Farmers	$2794	$470
Farm Bureau	$3307	$551
State Farm	$4162	$701
Allstate	$9174	$1529

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 South Monroe are offered by Westfield at $256. However, it can be as expensive as $11579 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Monroe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$256	$43
Chubb	$297	$49
Encompass	$315	$54
Travelers	$384	$64
Auto-Owners Insurance Co	$408	$70
Farm Bureau Ins of MI	$582	$97
USAA	$606	$103
Grange	$617	$103
Auto-Owners	$850	$144
Progressive	$1246	$210
AAA	$1263	$215
Farm Bureau	$1269	$212
Allstate	$2299	$391
State Farm	$3859	$643
Farmers	$11579	$1969

Car Insurance Price Trends in South Monroe, Michigan

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

The average cost of full coverage in the South Monroe dipped by $263 in December compared to $270 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the South Monroe rose to $87 in December, compared to $80 in November. This represents an increase of $7 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in South Monroe?

The car insurance in South Monroe is $34 per month, which is lower than the national average.

What is the cheapest car insurance in South Monroe?

The cheapest car insurance in South Monroe is $81 per month for full coverage.

How much is car insurance in South Monroe for teenagers?

Car insurance for teenagers costs $239 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 South Monroe?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $198 per month to insure your car in South Monroe.

Is car insurance expensive in South Monroe?

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

Cheapest Car Insurance Quotes in South Monroe

Why you can trust Way?

How Much Is Car Insurance in South Monroe

Avg. Car Insurance in South Monroe

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in South Monroe

1st place: Travelers

2nd place: USAA

3rd place: Encompass

South Monroe Car Insurance Rates by Company

Cheap Car Insurance Companies in South Monroe, MI

Way's key takeaways about car insurance in South Monroe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Monroe

Cheapest Liability Coverage in South Monroe, MI

Cheapest Full Coverage Car Insurance in South Monroe

Cheapest Full Coverage Car Insurance Quotes in South Monroe, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Monroe by Rating Factor

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

Car Insurance Premiums by Age in South Monroe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Monroe,MI

If you are in your twenties Chubb is the best choice for car insurance in South 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 South Monroe

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

South Monroe Car Insurance Rates by Violation

South Monroe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Monroe after a DUI

South Monroe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Monroe after Speeding ticket

Car Insurance Price Trends in South Monroe, Michigan

Average Car Insurance Cost in South Monroe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Monroe, MI

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

Featured Blogs

Data Sources