Cheapest Car Insurance Quotes in Monroe

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401,895 Policies Sold

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 Monroe

The car insurance rate in Monroe is $876 for a six-month policy, which is $76 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, 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

$876

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Monroe

1st place: Farmers Union Insurance

At $394 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $420 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $541 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, UT is Farmers Union Insurance, offering policies at just $394 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $420.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1798 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, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$394	$67
Auto-Owners Insurance Co	$420	$70
Nationwide	$541	$91
USAA	$591	$99
Progressive	$667	$112
American Family	$688	$116
Auto-Owners	$825	$139
Farm Bureau	$918	$153
Allstate	$1251	$211
State Farm	$1547	$260
Farmers	$1798	$305

Key Takeaways

Way's key takeaways about car insurance in Monroe

The auto insurance costs in Monroe fall around $394 for six months.
The cheapest auto insurance company in Monroe is Farmers Union Insurance.
Teen drivers pay the highest rate in Monroe at $1146 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.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Monroe. Their Average 6 Month Premium is $180. Farmers is the most expensive at $907 for the same period.

Cheapest Liability Coverage in Monroe, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$180	$30
USAA	$213	$36
Auto-Owners Insurance Co	$235	$40
Nationwide	$257	$43
Progressive	$301	$51
Auto-Owners	$333	$56
Farm Bureau	$372	$62
American Family	$388	$65
Allstate	$601	$101
State Farm	$710	$120
Farmers	$907	$151

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 Farmers Union Insurance at $67 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monroe, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$394	$67
Auto-Owners Insurance Co	$420	$70
Nationwide	$541	$91
USAA	$591	$99
Progressive	$667	$112
American Family	$688	$116
Auto-Owners	$825	$139
Farm Bureau	$918	$153
Allstate	$1251	$211
State Farm	$1547	$260
Farmers	$1798	$305

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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, UT increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Monroe at $47 per month. At $6880 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$284	$47
Auto-Owners Insurance Co	$322	$55
Iowa Farm Bureau	$339	$56
Utah Farm Bureau	$366	$63
USAA	$1175	$198
Nationwide	$1361	$229
Auto-Owners	$1634	$275
Progressive	$2087	$351
Farm Bureau	$2470	$411
American Family	$2498	$420
Allstate	$4284	$721
State Farm	$5694	$959
Farmers	$6880	$1146

Teen Car Insurance Rates in UT 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, Nationwide is the cheapest car insurance provider. At $301 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 State Farm, offering rates of around $2541 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$301	$52
Farmers Union Insurance	$333	$55
Kemper	$492	$84
Auto-Owners Insurance Co	$563	$94
Progressive	$787	$132
American Family	$946	$159
USAA	$1251	$213
Farmers	$1716	$289
Farm Bureau	$1727	$293
Auto-Owners	$2087	$348
Allstate	$2240	$381
State Farm	$2541	$423

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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, UT, 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 Farmers Union Insurance and AutoOwners Insurance Co, offering $290 and $388, respectively. Farmers is an expensive provider with an average six-month premium of $2694.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$290	$48
Auto-Owners Insurance Co	$388	$66
Utah Farm Bureau	$459	$76
Encompass	$508	$86
USAA	$585	$98
Nationwide	$639	$108
Progressive	$705	$119
Auto-Owners	$924	$155
American Family	$929	$156
Farm Bureau	$1415	$241
Allstate	$1754	$295
State Farm	$1961	$330
Farmers	$2694	$449

Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monroe UT. For example, the car insurance in Monroe after a DUI increases to $901 for a six month policy. While the rate increases by $234 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	$1006	$167
One Med/PIP claim	$1011	$172
Not-at-fault accident	$1033	$172
One comp claim	$1033	$176
Two Med/PIP claims	$1033	$172
Two comp claims	$1044	$178
Failure to show documents	$1142	$190
Child safety restraint	$1175	$200
Driving without lights	$1175	$196
Failure to wear a seat belt	$1175	$200
Driving with expired registration	$1197	$200
Cell phone violation	$1235	$210
Texting while driving	$1235	$206
Wrong way/wrong lane	$1235	$210
Driving too slowly	$1240	$207
Failure to yield	$1240	$211
Following too closely	$1240	$207
Illegal turn	$1240	$211
Speeding 6 - 10 MPH over limit	$1240	$207
Failure to stop at a red light	$1246	$212
Speeding 11 - 15 MPH over limit	$1246	$208
Speeding 16 - 20 MPH over limit	$1246	$212
Speeding in school zone	$1246	$208
Improper passing	$1251	$213
In 65 MPH zone	$1295	$216
Speeding 21 - 25 MPH over limit	$1317	$224
Passing school bus	$1322	$221
At-fault accident - less than $1000	$1394	$237
Operating a vehicle without permission	$1459	$243
At-fault accident - $1000-$2000	$1498	$255
Open container	$1508	$251
At-fault accident - greater than $2000	$1519	$259
Reckless driving	$1880	$314
Driving with a suspended license	$1891	$321
Refusal to submit to a chemical test	$1891	$316
DUI	$1907	$324
Racing	$1907	$318
Leaving scene of an accident/hit and run	$1989	$339

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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 Utah Farm Bureau at $339 for a six-month policy. However, it can be as expensive as $3011 with companies like State Farm.

Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$339	$58
Farmers Union Insurance	$366	$61
Kemper	$420	$72
Progressive	$606	$102
USAA	$891	$150
Nationwide	$1000	$168
American Family	$1011	$170
Farm Bureau	$1039	$173
Allstate	$1328	$224
Auto-Owners	$2022	$337
Farmers	$2421	$411
State Farm	$3011	$507

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 Farmers Union Insurance at $229. However, it can be as expensive as $2498 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
Farmers Union Insurance	$229	$39
Nationwide	$235	$40
Auto-Owners Insurance Co	$317	$54
Progressive	$623	$105
American Family	$710	$120
USAA	$743	$124
Auto-Owners	$771	$131
Farm Bureau	$1039	$173
State Farm	$1344	$228
Allstate	$1410	$235
Farmers	$2498	$425

Car Insurance Price Trends in Monroe, Utah

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 remained steady at $197 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Monroe remained steady at $63 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Monroe?

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

What is the cheapest car insurance in Monroe?

The cheapest car insurance in Monroe is $67 per month for full coverage.

How much is car insurance in Monroe for teenagers?

Car insurance for teenagers costs $284 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 $952 for a six-month policy. It will cost around $147 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.

What is the best car insurance in Monroe, UT?

The best car insurance company in Monroe UT is Farmers Union Insurance, offering $394 for a six-month policy.