Cheapest Car Insurance Quotes in Monticello

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Monticello Car Insurance

^$ 52

/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 Monticello

The car insurance rate in Monticello is $1378 for a six-month policy, which is $220 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $657, making it a popular choice for budget-conscious drivers. Rates in Monticello 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 Monticello

$1378

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Monticello

1st place: Kemper

At $657 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $870 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $926 for six months, making it the third cheapest auto insurance company in Monticello.

Monticello Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monticello, NY is Kemper, offering policies at just $657 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $870.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2113 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monticello drivers find the best deals.

Cheap Car Insurance Companies in Monticello, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$657	$112
New York Central Mutual Fire	$870	$145
Progressive	$926	$156
American Family	$1017	$171
NYCM	$1230	$207
USAA	$1364	$230
Erie	$1392	$234
Nationwide	$1520	$253
Travelers	$1548	$261
State Farm	$1845	$311
Allstate	$2063	$347
Chubb	$2113	$352

Key Takeaways

Way's key takeaways about car insurance in Monticello

The auto insurance costs in Monticello fall around $657 for six months.
The cheapest auto insurance company in Monticello is New York Central Mutual Fire.
Teen drivers pay the highest rate in Monticello at $1063 per month.

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Cheapest Minimum Liability Car Insurance in Monticello

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 Monticello are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Monticello. Their Average 6 Month Premium is $311. Preferred Mutual is the most expensive at $820 for the same period.

Cheapest Liability Coverage in Monticello, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$311	$52
NYCM	$368	$61
Kemper	$382	$65
American Family	$459	$77
Progressive	$474	$80
USAA	$608	$102
Erie	$750	$127
Travelers	$806	$134
Allstate	$863	$146
State Farm	$919	$154
Nationwide	$594	$99
Utica National	$678	$115
Preferred Mutual	$820	$137

Cheapest Full Coverage Car Insurance in Monticello

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 Monticello is Kemper at $112 per month and $657 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monticello, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$657	$112
New York Central Mutual Fire	$870	$145
Progressive	$926	$156
American Family	$1017	$171
NYCM	$1230	$207
USAA	$1364	$230
Erie	$1392	$234
Nationwide	$1520	$253
Travelers	$1548	$261
State Farm	$1845	$311
Allstate	$2063	$347
Chubb	$2113	$352

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Average Car Insurance in Monticello 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 Monticello, NY increasing?

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

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

Car Insurance Premiums by Age in Monticello

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 Monticello,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Monticello at $76 per month. At $6312 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$445	$76
American Family	$537	$90
NYCM	$1188	$200
Progressive	$1464	$246
New York Central Mutual Fire	$1548	$263
Erie	$2976	$496
USAA	$3273	$551
Travelers	$4304	$725
Nationwide	$4482	$762
Chubb	$4693	$782
Allstate	$5400	$909
State Farm	$6312	$1063

Teen Car Insurance Rates in NY 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 Monticello, Kemper is the cheapest car insurance provider. At $997 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 Monticello is Progressive, offering rates of around $5973 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$997	$167
Nationwide	$1520	$258
Chubb	$1803	$303
USAA	$2191	$372
Erie	$2332	$393
American Family	$2368	$402
NYCM	$2651	$441
Allstate	$2891	$487
Mercury	$2948	$491
State Farm	$3046	$513
Travelers	$3527	$594
Progressive	$5973	$1006

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Car Insurance Rates with An Accident in Monticello

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 Monticello, NY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Monticello include Kemper and American Family, offering $551 and $565, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $685.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$551	$92
American Family	$565	$95
Progressive	$870	$146
NYCM	$884	$149
New York Central Mutual Fire	$1046	$175
USAA	$1188	$200
Erie	$1520	$256
Chubb	$1724	$290
Allstate	$1859	$313
Travelers	$1916	$322
Nationwide	$2008	$334
State Farm	$2347	$395
Utica National	$678	$115
Preferred Mutual	$685	$114

Monticello Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monticello NY. For example, the car insurance in Monticello after a DUI increases to $849 for a six month policy. While the rate increases by $135 for a six-month policy in the case of a speeding ticket.

Monticello auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1491	$249
One Med/PIP claim	$1491	$253
One comp claim	$1505	$251
Two comp claims	$1520	$258
Two Med/PIP claims	$1520	$253
Not-at-fault accident	$1527	$259
Failure to show documents	$1548	$258
Failure to wear a seat belt	$1555	$264
Driving with expired registration	$1570	$262
At-fault accident - less than $1000	$1577	$268
Cell phone violation	$1577	$263
Child safety restraint	$1577	$268
Driving without lights	$1577	$263
Failure to stop at a red light	$1577	$268
Failure to yield	$1577	$263
Following too closely	$1577	$268
Illegal turn	$1577	$263
Improper passing	$1577	$268
Passing school bus	$1577	$263
Texting while driving	$1577	$268
Wrong way/wrong lane	$1577	$263
Driving too slowly	$1591	$270
Speeding in school zone	$1591	$265
At-fault accident - $1000-$2000	$1597	$271
Speeding 11 - 15 MPH over limit	$1626	$271
Speeding 6 - 10 MPH over limit	$1626	$276
Operating a vehicle without permission	$1654	$276
Open container	$1676	$284
In 65 MPH zone	$1746	$292
Speeding 16 - 20 MPH over limit	$1767	$301
Speeding 21 - 25 MPH over limit	$1830	$305
At-fault accident - greater than $2000	$1972	$336
Reckless driving	$2106	$351
Racing	$2191	$372
Driving with a suspended license	$2269	$378
Refusal to submit to a chemical test	$2318	$394
DUI	$2340	$390
Leaving scene of an accident/hit and run	$2375	$403

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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 Monticello 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 Monticello.

The cheapest car insurance premiums in Monticello are offered by American Family at $537 for a six-month policy. However, it can be as expensive as $2651 with companies like Chubb.

Monticello car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$537	$90
Kemper	$565	$96
Progressive	$728	$123
NYCM	$1103	$186
New York Central Mutual Fire	$1272	$212
USAA	$1449	$244
Travelers	$1894	$319
Allstate	$2241	$377
Erie	$2311	$386
Nationwide	$2510	$427
State Farm	$2637	$444
Chubb	$2651	$451

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 Monticello are offered by American Family at $474. However, it can be as expensive as $3018 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Monticello after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$79
Kemper	$474	$81
Progressive	$685	$115
NYCM	$1110	$189
USAA	$1286	$214
Erie	$1505	$256
Nationwide	$1520	$253
Travelers	$1753	$298
State Farm	$2121	$353
Chubb	$2510	$427
Allstate	$3018	$503

Car Insurance Price Trends in Monticello, New York

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

The average cost of full coverage in the Monticello rose by $327 in January compared to $294 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Monticello dipped to $95 in January, compared to $101 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Monticello?

The car insurance in Monticello is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Monticello?

The cheapest car insurance in Monticello is $112 per month for full coverage.

How much is car insurance in Monticello for teenagers?

Car insurance for teenagers costs $445 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 Monticello?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $231 per month to insure your car in Monticello.

Is car insurance expensive in Monticello?

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

Cheapest Car Insurance Quotes in Monticello

Why you can trust Way?

How Much Is Car Insurance in Monticello

Avg. Car Insurance in Monticello

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Monticello

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Monticello Car Insurance Rates by Company

Cheap Car Insurance Companies in Monticello, NY

Way's key takeaways about car insurance in Monticello

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Monticello

Cheapest Liability Coverage in Monticello, NY

Cheapest Full Coverage Car Insurance in Monticello

Cheapest Full Coverage Car Insurance Quotes in Monticello, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Monticello by Rating Factor

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

Car Insurance Premiums by Age in Monticello

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Monticello,NY

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

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 Monticello

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

Monticello Car Insurance Rates by Violation

Monticello auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Monticello after a DUI

Monticello car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Monticello after Speeding ticket

Car Insurance Price Trends in Monticello, New York

Average Car Insurance Cost in Monticello by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Monticello, NY

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

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