Cheapest Car Insurance Quotes in Monroe

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Monroe Car Insurance

^$ 22

/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 $688 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $245, 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

$688

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Monroe

1st place: American Family

At $245 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $391 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $612 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, OH is American Family, offering policies at just $245 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $391.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $783 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, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$245	$41
Auto-Owners Insurance Co	$391	$65
Travelers	$612	$104
Erie	$618	$104
State Farm	$624	$106
USAA	$624	$105
Hastings Mutual	$637	$108
Nationwide	$643	$108
Central Mutual	$741	$126
Progressive	$747	$126
Farmers	$905	$153
Grange	$967	$161
Allstate	$1107	$186
Westfield	$783	$133

Key Takeaways

Way's key takeaways about car insurance in Monroe

The auto insurance costs in Monroe fall around $245 for six months.
The cheapest auto insurance company in Monroe is American Family.
Teen drivers pay the highest rate in Monroe at $728 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.

American Family provides the cheapest minimum car insurance coverage in Monroe. Their Average 6 Month Premium is $129. Allstate is the most expensive at $465 for the same period.

Cheapest Liability Coverage in Monroe, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$129	$22
Central Mutual	$141	$24
Auto-Owners Insurance Co	$153	$26
Westfield	$159	$27
USAA	$165	$28
Erie	$183	$31
State Farm	$202	$34
Progressive	$220	$37
Nationwide	$245	$41
Travelers	$256	$43
Auto-Owners	$269	$45
Farmers	$343	$59
Grange	$373	$62
Allstate	$465	$78

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 American Family at $41 per month and $245 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monroe, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$245	$41
Auto-Owners Insurance Co	$391	$65
Travelers	$612	$104
Erie	$618	$104
State Farm	$624	$106
USAA	$624	$105
Hastings Mutual	$637	$108
Nationwide	$643	$108
Central Mutual	$741	$126
Progressive	$747	$126
Farmers	$905	$153
Grange	$967	$161
Allstate	$1107	$186
Westfield	$783	$133

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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, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Monroe, Ohio, may be increasing due to several external factors. Ohio 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$555
30s	USAA	$392
40s	USAA	$356
50s	USAA	$330
60s	USAA	$346
70s	USAA	$419

Cheapest Car Insurance Rates for Teen Drivers in Monroe,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Monroe at $23 per month. At $4283 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$135	$23
Westfield	$165	$28
USAA	$851	$143
Erie	$905	$152
Travelers	$1107	$186
Nationwide	$1725	$290
Progressive	$1731	$291
Allstate	$2356	$397
State Farm	$2539	$432
Grange	$2803	$467
Farmers	$4283	$728

Teen Car Insurance Rates in OH by Age

Way Tip

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

As young drivers face the highest rates in Monroe, USAA offers the cheapest auto insurance rates at $555 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 Monroe, American Family is the cheapest car insurance provider. At $208 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 Allstate, offering rates of around $1769 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$208	$35
Westfield	$263	$44
Nationwide	$697	$117
Erie	$722	$122
Progressive	$722	$122
USAA	$783	$131
Grange	$801	$135
Allstate	$1769	$295

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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, OH, 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 Central Mutual and American Family, offering $141 and $159, respectively. Frankenmuth is an expensive provider with an average six-month premium of $251.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$141	$24
American Family	$159	$27
Auto-Owners Insurance Co	$245	$41
Westfield	$245	$41
Erie	$337	$57
Nationwide	$703	$118
Travelers	$942	$159
Grange	$1180	$201
USAA	$1242	$209
Auto-Owners	$1401	$236
Progressive	$1983	$334
Allstate	$2337	$393
State Farm	$4699	$783
Frankenmuth	$251	$42

Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monroe OH. For example, the car insurance in Monroe after a DUI increases to $716 for a six month policy. While the rate increases by $159 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	$753	$126
One Med/PIP claim	$770	$131
Not-at-fault accident	$783	$131
One comp claim	$801	$136
Two Med/PIP claims	$801	$134
Two comp claims	$838	$142
Failure to show documents	$845	$141
Driving without lights	$863	$146
Failure to wear a seat belt	$863	$144
Child safety restraint	$881	$149
Driving with expired registration	$881	$147
Driving too slowly	$912	$155
Speeding 11 - 15 MPH over limit	$912	$152
Speeding 6 - 10 MPH over limit	$912	$155
Speeding in school zone	$912	$152
Cell phone violation	$918	$157
Failure to yield	$918	$153
Following too closely	$918	$157
Illegal turn	$918	$153
Texting while driving	$918	$157
Wrong way/wrong lane	$918	$153
Failure to stop at a red light	$924	$158
Improper passing	$930	$155
Speeding 16 - 20 MPH over limit	$930	$159
At-fault accident - less than $1000	$961	$160
Passing school bus	$967	$165
Speeding 21 - 25 MPH over limit	$991	$165
In 65 MPH zone	$1003	$171
At-fault accident - $1000-$2000	$1107	$184
At-fault accident - greater than $2000	$1113	$190
Open container	$1113	$185
Operating a vehicle without permission	$1120	$191
Reckless driving	$1419	$237
Racing	$1444	$245
Refusal to submit to a chemical test	$1444	$241
Driving with a suspended license	$1456	$247
DUI	$1469	$245
Leaving scene of an accident/hit and run	$1511	$256

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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 American Family at $159 for a six-month policy. However, it can be as expensive as $1548 with companies like Grange.

Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Erie	$477	$80
Travelers	$508	$85
Progressive	$593	$100
USAA	$618	$104
Nationwide	$899	$151
State Farm	$985	$168
Farmers	$1224	$204
Allstate	$1499	$252
Grange	$1548	$258

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 American Family at $159. However, it can be as expensive as $1388 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Monroe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$159	$27
Auto-Owners Insurance Co	$159	$27
Westfield	$171	$29
Erie	$355	$60
USAA	$562	$94
Nationwide	$587	$99
Progressive	$618	$104
Allstate	$1346	$229
Grange	$1388	$232

Car Insurance Price Trends in Monroe, Ohio

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 rose by $123 in December compared to $119 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Monroe rose to $37 in December, compared to $36 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Monroe?

The car insurance in Monroe is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Monroe?

The cheapest car insurance in Monroe is $41 per month for full coverage.

How much is car insurance in Monroe for teenagers?

Car insurance for teenagers costs $135 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 $668 for a six-month policy. It will cost around $115 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 Ohio

National Average

Cheapest Car Insurance Companies in Monroe

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Monroe Car Insurance Rates by Company

Cheap Car Insurance Companies in Monroe, OH

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, OH

Cheapest Full Coverage Car Insurance in Monroe

Cheapest Full Coverage Car Insurance Quotes in Monroe, OH

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, OH 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,OH

If you are in your twenties USAA 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, Ohio

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, OH

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

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Data Sources