Cheapest Car Insurance Quotes in Monroe

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401,895 Policies Sold

Monroe Car Insurance

^$ 35

/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 $841 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, 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

$841

Avg. Car Insurance in Washington

$772

National Average

$1140

Cheapest Car Insurance Companies in Monroe

1st place: Kemper

At $447 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $602 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $621 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, WA is Kemper, offering policies at just $447 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $602.

At the higher end of the spectrum, Granwest P&C is the most expensive, with rates reaching $1463 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, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$74
Nationwide	$602	$102
Auto-Owners Insurance Co	$621	$104
Chubb	$705	$120
Capital Insurance Group	$718	$120
State Farm	$751	$126
USAA	$777	$131
Progressive	$835	$141
PEMCO	$855	$144
American Family	$881	$148
Travelers	$952	$160
Farmers	$1010	$170
Allstate	$1178	$198
Granwest P&C	$1463	$249

Key Takeaways

Way's key takeaways about car insurance in Monroe

The auto insurance costs in Monroe fall around $447 for six months.
The cheapest auto insurance company in Monroe is USAA.
Teen drivers pay the highest rate in Monroe at $375 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.

USAA provides the cheapest minimum car insurance coverage in Monroe. Their Average 6 Month Premium is $207. Grange is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Monroe, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$207	$35
California Casualty	$233	$39
Granwest P&C	$240	$40
PEMCO	$246	$41
Auto-Owners Insurance Co	$253	$43
Chubb	$298	$50
Travelers	$304	$51
Nationwide	$311	$52
Capital Insurance Group	$330	$55
State Farm	$330	$56
Progressive	$343	$58
American Family	$388	$65
Mutual of Enumclaw	$395	$65
Farmers	$414	$70
Allstate	$700	$118
Encompass	$227	$38
Grange	$233	$39

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 Kemper at $74 per month and $447 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monroe, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$74
Nationwide	$602	$102
Auto-Owners Insurance Co	$621	$104
Chubb	$705	$120
Capital Insurance Group	$718	$120
State Farm	$751	$126
USAA	$777	$131
Progressive	$835	$141
PEMCO	$855	$144
American Family	$881	$148
Travelers	$952	$160
Farmers	$1010	$170
Allstate	$1178	$198
Granwest P&C	$1463	$249

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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, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Monroe, Washington, may be increasing due to several external factors. Washington 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	PEMCO	$738
30s	PEMCO	$517
40s	PEMCO	$522
50s	PEMCO	$496
60s	PEMCO	$522
70s	PEMCO	$649

Cheapest Car Insurance Rates for Teen Drivers in Monroe,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Monroe at $61 per month. At $2227 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$363	$61
Auto-Owners Insurance Co	$370	$63
Chubb	$414	$69
State Farm	$841	$142
American Family	$1107	$186
Progressive	$1269	$214
USAA	$1334	$225
Pemco	$1359	$229
Farmers	$1929	$325
Allstate	$2227	$375

Teen Car Insurance Rates in WA by Age

Way Tip

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

As young drivers face the highest rates in Monroe, PEMCO offers the cheapest auto insurance rates at $738 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, AutoOwners Insurance Co is the cheapest car insurance provider. At $253 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 $2098 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$43
Chubb	$298	$50
Travelers	$304	$51
Nationwide	$356	$59
Kemper	$388	$66
American Family	$590	$99
Progressive	$687	$116
State Farm	$797	$134
Farmers	$881	$148
Pemco	$1017	$171
USAA	$1049	$179
Allstate	$2098	$350

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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, WA, 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 AutoOwners Insurance Co and Encompass, offering $324 and $370, respectively. Allstate is an expensive provider with an average six-month premium of $1995.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$55
Encompass	$370	$63
Chubb	$382	$64
Travelers	$460	$77
USAA	$492	$83
Kemper	$537	$92
State Farm	$725	$122
PEMCO	$797	$134
American Family	$868	$146
Capital Insurance Group	$958	$162
Progressive	$1146	$193
Farmers	$1237	$208
Allstate	$1995	$336

Monroe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monroe WA. For example, the car insurance in Monroe after a DUI increases to $887 for a six month policy. While the rate increases by $253 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	$1165	$194
One Med/PIP claim	$1165	$198
Not-at-fault accident	$1204	$201
Two Med/PIP claims	$1204	$205
One comp claim	$1211	$202
Two comp claims	$1262	$215
Failure to show documents	$1392	$232
Child safety restraint	$1405	$239
Driving without lights	$1418	$237
Failure to wear a seat belt	$1418	$241
Speeding 11 - 15 MPH over limit	$1418	$237
Speeding 16 - 20 MPH over limit	$1418	$241
Speeding 6 - 10 MPH over limit	$1418	$237
Driving too slowly	$1431	$243
Driving with expired registration	$1431	$239
Cell phone violation	$1438	$244
Failure to yield	$1438	$240
Improper passing	$1438	$244
Texting while driving	$1438	$240
Wrong way/wrong lane	$1438	$244
Failure to stop at a red light	$1444	$241
Following too closely	$1444	$245
Illegal turn	$1444	$241
Speeding in school zone	$1509	$256
Passing school bus	$1515	$253
At-fault accident - less than $1000	$1535	$261
Speeding 21 - 25 MPH over limit	$1535	$256
Open container	$1541	$262
In 65 MPH zone	$1599	$267
At-fault accident - $1000-$2000	$1658	$282
At-fault accident - greater than $2000	$1664	$277
Operating a vehicle without permission	$1676	$286
Refusal to submit to a chemical test	$2007	$335
Reckless driving	$2013	$342
Driving with a suspended license	$2033	$339
DUI	$2052	$349
Racing	$2123	$354
Leaving scene of an accident/hit and run	$2136	$363

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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 Chubb at $370 for a six-month policy. However, it can be as expensive as $2214 with companies like Cal Casualty.

Monroe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$370	$63
Auto-Owners Insurance Co	$467	$77
Travelers	$505	$85
American Family	$725	$122
Progressive	$803	$135
Pemco	$815	$137
USAA	$894	$150
State Farm	$938	$158
Farmers	$1282	$216
Allstate	$1890	$318
Grange	$1982	$337
Cal Casualty	$2214	$370

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 Chubb at $324. However, it can be as expensive as $1457 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Monroe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$324	$55
Auto-Owners Insurance Co	$337	$58
Travelers	$414	$69
State Farm	$505	$85
American Family	$725	$122
USAA	$790	$134
Pemco	$797	$134
Progressive	$945	$159
Farmers	$1101	$185
Allstate	$1457	$247

Car Insurance Price Trends in Monroe, Washington

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 $165 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 $56 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 $35 per month, which is lower than the national average.

What is the cheapest car insurance in Monroe?

The cheapest car insurance in Monroe is $74 per month for full coverage.

How much is car insurance in Monroe for teenagers?

Car insurance for teenagers costs $363 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 $772 for a six-month policy. It will cost around $142 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 Washington

National Average

Cheapest Car Insurance Companies in Monroe

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Monroe Car Insurance Rates by Company

Cheap Car Insurance Companies in Monroe, WA

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, WA

Cheapest Full Coverage Car Insurance in Monroe

Cheapest Full Coverage Car Insurance Quotes in Monroe, WA

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, WA 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,WA

If you are in your twenties PEMCO 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, Washington

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, WA

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

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