Cheapest Car Insurance Quotes in Old Monroe

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Old Monroe Car Insurance

^$ 30

/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 Old Monroe

The car insurance rate in Old Monroe is $1199 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $514, making it a popular choice for budget-conscious drivers. Rates in Old 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 Old Monroe

$1199

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Old Monroe

1st place: American Family

At $514 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $691 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

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

Old Monroe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Old Monroe, MO is American Family, offering policies at just $514 for a six-month term. This is followed by USAA, which has an average six-month premium of $691.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2930 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Old Monroe drivers find the best deals.

Cheap Car Insurance Companies in Old Monroe, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$514	$88
USAA	$691	$116
Travelers	$710	$119
Encompass	$967	$161
Shelter	$997	$168
State Farm	$1089	$183
Electric	$1126	$192
Farm Bureau	$1157	$193
Missouri Farm Bureau	$1230	$209
Progressive	$1273	$214
Allstate	$1365	$230
Nationwide	$1542	$256
Farmers	$2930	$499

Key Takeaways

Way's key takeaways about car insurance in Old Monroe

The auto insurance costs in Old Monroe fall around $514 for six months.
The cheapest auto insurance company in Old Monroe is USAA.
Teen drivers pay the highest rate in Old Monroe at $1600 per month.

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Cheapest Minimum Liability Car Insurance in Old 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 Old Monroe are given below.

USAA provides the cheapest minimum car insurance coverage in Old Monroe. Their Average 6 Month Premium is $177. Farmers is the most expensive at $1053 for the same period.

Cheapest Liability Coverage in Old Monroe, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$177	$30
Missouri Farm Bureau	$196	$33
Electric	$251	$42
Travelers	$256	$43
Farm Bureau	$263	$44
American Family	$275	$46
Encompass	$287	$48
Progressive	$294	$49
Shelter	$361	$61
State Farm	$385	$65
Nationwide	$618	$103
Allstate	$643	$108
Farmers	$1053	$175

Cheapest Full Coverage Car Insurance in Old 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 Old Monroe is American Family at $88 per month and $514 for six months.

Cheapest Full Coverage Car Insurance Quotes in Old Monroe, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$514	$88
USAA	$691	$116
Travelers	$710	$119
Encompass	$967	$161
Shelter	$997	$168
State Farm	$1089	$183
Electric	$1126	$192
Farm Bureau	$1157	$193
Missouri Farm Bureau	$1230	$209
Progressive	$1273	$214
Allstate	$1365	$230
Nationwide	$1542	$256
Farmers	$2930	$499

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Average Car Insurance in Old 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 Old Monroe, MO increasing?

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

Additionally, Old 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 Old 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 Old Monroe,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Old Monroe at $43 per month. At $9600 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$256	$43
American Family	$294	$49
Travelers	$1113	$187
USAA	$1126	$190
Progressive	$2148	$362
State Farm	$2215	$373
Shelter	$2472	$416
Farm Bureau	$3005	$511
Allstate	$3904	$657
Nationwide	$4705	$800
Farmers	$9600	$1600

Teen Car Insurance Rates in MO 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 Old Monroe, Kemper is the cheapest car insurance provider. At $471 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 Old Monroe is Farmers, offering rates of around $5960 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$471	$80
American Family	$502	$83
Nationwide	$581	$99
Travelers	$936	$158
USAA	$1083	$184
Progressive	$1365	$230
Shelter	$1567	$264
Farm Bureau	$1946	$324
Allstate	$2282	$384
State Farm	$4130	$688
Farmers	$5960	$1014

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

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

The cheapest car insurance companies after an at-fault accident in Old Monroe include Missouri Farm Bureau and Electric, offering $214 and $306, respectively. Farmers is an expensive provider with an average six-month premium of $4179.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$214	$36
Electric	$306	$53
American Family	$337	$56
Encompass	$391	$67
USAA	$557	$94
Travelers	$630	$106
Progressive	$924	$156
State Farm	$961	$162
Shelter	$1076	$181
Farm Bureau	$1492	$253
Nationwide	$2282	$380
Allstate	$2772	$467
Farmers	$4179	$696

Old Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Old Monroe MO. For example, the car insurance in Old Monroe after a DUI increases to $832 for a six month policy. While the rate increases by $287 for a six-month policy in the case of a speeding ticket.

Old Monroe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1646	$274
One Med/PIP claim	$1646	$280
Not-at-fault accident	$1694	$282
One comp claim	$1707	$290
Two Med/PIP claims	$1707	$284
Two comp claims	$1817	$309
Failure to wear a seat belt	$1866	$311
Failure to show documents	$1873	$318
Child safety restraint	$1902	$317
Driving without lights	$1902	$323
Driving with expired registration	$1915	$319
Cell phone violation	$1927	$328
Driving too slowly	$1927	$321
Following too closely	$1927	$328
Speeding in school zone	$1927	$321
Failure to yield	$1933	$329
Speeding 11 - 15 MPH over limit	$1933	$322
Speeding 16 - 20 MPH over limit	$1933	$329
Speeding 6 - 10 MPH over limit	$1933	$322
Texting while driving	$1933	$329
Illegal turn	$1939	$323
Wrong way/wrong lane	$1939	$330
Failure to stop at a red light	$1946	$324
Improper passing	$1946	$331
Speeding 21 - 25 MPH over limit	$1946	$324
In 65 MPH zone	$1958	$333
Passing school bus	$1994	$333
Open container	$2056	$349
Operating a vehicle without permission	$2104	$351
At-fault accident - less than $1000	$2276	$387
At-fault accident - $1000-$2000	$2404	$401
At-fault accident - greater than $2000	$2404	$409
Refusal to submit to a chemical test	$2435	$406
DUI	$2478	$421
Driving with a suspended license	$2533	$422
Racing	$2595	$441
Leaving scene of an accident/hit and run	$2631	$439
Reckless driving	$2662	$452

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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 Old 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 Old Monroe.

The cheapest car insurance premiums in Old Monroe are offered by Missouri Farm Bureau at $256 for a six-month policy. However, it can be as expensive as $5359 with companies like Farmers.

Old Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$256	$43
American Family	$331	$55
Kemper	$410	$70
Travelers	$661	$111
USAA	$845	$142
Progressive	$887	$149
Shelter	$1199	$202
State Farm	$1303	$219
Farm Bureau	$1407	$239
Allstate	$2270	$382
Nationwide	$2845	$484
Farmers	$5359	$893

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 Old Monroe are offered by American Family at $331. However, it can be as expensive as $3720 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Old Monroe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$331	$57
Travelers	$685	$115
USAA	$710	$121
Shelter	$789	$133
State Farm	$845	$142
Progressive	$1028	$173
Farm Bureau	$1193	$203
Allstate	$2062	$344
Farmers	$3720	$632

Car Insurance Price Trends in Old Monroe, Missouri

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

The average cost of full coverage in the Old Monroe rose by $230 in January compared to $134 of December. In other words, there has been an increase by $96 when you compare January and December.

The average cost of liability insurance in the Old Monroe rose to $58 in January, compared to $49 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Old Monroe?

The car insurance in Old Monroe is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Old Monroe?

The cheapest car insurance in Old Monroe is $88 per month for full coverage.

How much is car insurance in Old Monroe for teenagers?

Car insurance for teenagers costs $256 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 Old Monroe?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $202 per month to insure your car in Old Monroe.

Is car insurance expensive in Old Monroe?

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

Cheapest Car Insurance Quotes in Old Monroe

Why you can trust Way?

How Much Is Car Insurance in Old Monroe

Avg. Car Insurance in Old Monroe

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Old Monroe

1st place: American Family

2nd place: USAA

3rd place: Travelers

Old Monroe Car Insurance Rates by Company

Cheap Car Insurance Companies in Old Monroe, MO

Way's key takeaways about car insurance in Old Monroe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Old Monroe

Cheapest Liability Coverage in Old Monroe, MO

Cheapest Full Coverage Car Insurance in Old Monroe

Cheapest Full Coverage Car Insurance Quotes in Old Monroe, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Old Monroe by Rating Factor

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

Car Insurance Premiums by Age in Old Monroe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Old Monroe,MO

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

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

Old Monroe Car Insurance Rates by Violation

Old Monroe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Old Monroe after a DUI

Old Monroe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Old Monroe after Speeding ticket

Car Insurance Price Trends in Old Monroe, Missouri

Average Car Insurance Cost in Old Monroe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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