Compare Monroe, MI Car Insurance Rates (2021)

Car insurance in Monroe, MI averages $889 a month. Monroe, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Monroe car insurance rates, compare quotes from the top car insurance companies in Monroe, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Monroe, MI after a DUI are $17,975/year
  • Average car insurance rates in Monroe, MI are $10,669/year
  • The cheapest car insurance company in Monroe is USAA

If you need to buy Monroe, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Monroe, MI is right here.

You’ll find Monroe car insurance rates, the cheapest Monroe, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Monroe, Michigan car insurance rates to Grand Rapids car insurance rates, Lansing car insurance rates, and Flint car insurance rates.

Ready to find affordable Monroe, MI car insurance today? Enter your ZIP code for fast, free Monroe car insurance quotes.

Cheapest Monroe, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Monroe, MI car insurance rates? Every Monroe, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monroe, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $16,500 $16,500 $15,329 $15,329 $41,100 $41,100 $17,385 $17,385
Farmers $4,289 $4,289 $4,014 $4,014 $9,229 $9,229 $4,810 $4,810
GEICO $4,771 $4,771 $4,890 $4,890 $12,915 $12,915 $4,537 $4,537
Liberty Mutual $15,624 $15,624 $15,474 $15,474 $36,217 $36,217 $15,624 $15,624
Nationwide $3,550 $3,550 $3,173 $3,173 $9,174 $9,174 $3,883 $3,883
Progressive $3,262 $2,976 $2,886 $3,278 $11,807 $12,370 $3,774 $3,366
State Farm $8,413 $8,413 $7,862 $7,862 $30,250 $30,250 $9,896 $9,896
Travelers $8,071 $8,071 $6,907 $6,907 $24,598 $24,598 $8,779 $8,779
USAA $2,736 $2,576 $2,576 $2,420 $6,759 $6,390 $3,328 $3,172

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Minimum Car Insurance in Monroe, MI

Every driver must carry the minimum car insurance in Monroe, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Monroe, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Monroe, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Monroe, MI. Compare credit history car insurance rates in Monroe from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Monroe, Michigan

Insurance Company Poor Fair Good
Allstate $34,233 $18,974 $14,528
Farmers $7,469 $4,839 $4,450
GEICO $8,726 $6,405 $5,204
Liberty Mutual $32,810 $18,942 $10,452
Nationwide $6,167 $4,675 $3,992
Progressive $6,337 $5,311 $4,747
State Farm $22,911 $11,567 $7,838
Travelers $12,389 $12,014 $11,862
USAA $5,605 $3,200 $2,429

Cheapest Monroe, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Monroe, MI to rates for a clean record with top companies.

Annual Monroe, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,926 $14,628 $49,412 $15,348
Farmers $4,703 $5,972 $5,909 $5,759
GEICO $2,365 $5,043 $15,319 $4,386
Liberty Mutual $14,111 $17,337 $33,172 $18,319
Nationwide $4,246 $5,637 $5,129 $4,767
Progressive $4,595 $6,110 $5,490 $5,664
State Farm $8,818 $10,657 $23,531 $13,416
Travelers $8,148 $11,675 $18,887 $9,646
USAA $3,008 $3,765 $4,926 $3,279

Cheapest Monroe, MI Car Insurance for Teen Drivers

Teen car insurance in Monroe, MI can be expensive. Take a look at rates from the top car insurance companies in Monroe for teenagers.

Annual Car Insurance Rates for Teen Drivers in Monroe, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,100 $41,100
Farmers $9,229 $9,229
GEICO $12,915 $12,915
Liberty Mutual $36,217 $36,217
Nationwide $9,174 $9,174
Progressive $11,807 $12,370
State Farm $30,250 $30,250
Travelers $24,598 $24,598
USAA $6,759 $6,390

Cheapest Monroe, MI Car Insurance for Seniors

Take a look at Monroe, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Monroe, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,329 $15,329
Farmers $4,014 $4,014
GEICO $4,890 $4,890
Liberty Mutual $15,474 $15,474
Nationwide $3,173 $3,173
Progressive $2,886 $3,278
State Farm $7,862 $7,862
Travelers $6,907 $6,907
USAA $2,576 $2,420

Cheapest Monroe, MI Car Insurance Rates After a DUI

A DUI in Monroe, MI increases car insurance rates. Compare Monroe, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Monroe, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $49,412
Farmers $5,909
GEICO $15,319
Liberty Mutual $33,172
Nationwide $5,129
Progressive $5,490
State Farm $23,531
Travelers $18,887
USAA $4,926

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Cheapest Monroe, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Monroe, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Monroe, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,578 $22,578
Farmers $5,586 $5,586
GEICO $6,625 $6,932
Liberty Mutual $20,035 $21,435
Nationwide $4,945 $4,945
Progressive $5,465 $5,465
State Farm $13,714 $14,496
Travelers $12,019 $12,159
USAA $3,702 $3,787

Cheapest Monroe, MI Car Insurance Rates by ZIP Code

Monroe car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Monroe, MI.

Annual Car Insurance Rates by ZIP Code in Monroe, Michigan

ZIP Code Average Annual Rates
48161 $7,577
48162 $7,666

The Best Cheap Car Insurance Companies in Monroe, MI

Take a look at a side-by-side comparison of the top car insurance companies in Monroe, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Monroe, Michigan

Insurance Company Average Annual Rates
Allstate $22,578
Farmers $5,586
GEICO $6,778
Liberty Mutual $20,735
Nationwide $4,945
Progressive $5,465
State Farm $14,105
Travelers $12,089
USAA $3,745

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Category Winners: Cheapest Car Insurance in Monroe, Michigan

Find the cheapest car insurance companies in Monroe, MI for each category right here.

Best Annual Car Insurance Rates by Company in Monroe, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Monroe, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Monroe car insurance rates. Find the cheapest Monroe, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Monroe, Michigan

Insurance Company Low Medium High
Allstate $21,921 $22,637 $23,177
Farmers $5,448 $5,574 $5,735
GEICO $6,257 $6,702 $7,376
Liberty Mutual $20,193 $20,681 $21,330
Nationwide $5,102 $4,881 $4,851
Progressive $5,274 $5,473 $5,648
State Farm $13,330 $14,201 $14,784
Travelers $11,976 $12,100 $12,191
USAA $3,630 $3,754 $3,849

What affects car insurance rates in Monroe, Michigan?

What factors can have an impact on Monroe, MI car insurance? There are several reasons why Monroe car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Monroe, Michigan.

Car Theft in Monroe

High levels of vehicle theft can make car insurance more expensive. Monroe, MI car theft statistics from the FBI indicate 22 vehicle thefts a year.

Commute Time in Monroe

The more time you spend in your car the higher the risk of an accident. The average commute length in Monroe, MI is 21.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Monroe, MI

Ready to find affordable Monroe, Michigan car insurance today? Enter your ZIP code for fast, free Monroe, MI car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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