Compare Monterey, IN Car Insurance Rates (2021)

Car insurance in Monterey, IN averages $277 a month. Monterey, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Monterey car insurance rates, compare quotes from the top car insurance companies in Monterey, IN.

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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

  • The cheapest car insurance company in Monterey for teen drivers is USAA
  • Average car insurance rates in Monterey, IN are $3,319/year
  • The cheapest car insurance company in Monterey is USAA

If you need to buy Monterey, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Monterey, IN is right here.

You’ll find Monterey car insurance rates, the cheapest Monterey, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Monterey, Indiana car insurance rates to Carmel car insurance rates, Indianapolis car insurance rates, and Gary car insurance rates.

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

Cheapest Monterey, IN Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monterey, Indiana

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 $2,670 $2,749 $2,324 $2,546 $7,926 $9,950 $2,743 $2,987
American Family $2,307 $2,307 $2,063 $2,063 $6,152 $8,981 $2,307 $2,854
Farmers $1,568 $1,546 $1,347 $1,514 $8,428 $9,011 $2,059 $2,216
GEICO $1,534 $1,521 $1,431 $1,480 $4,461 $4,147 $1,750 $1,547
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,813 $1,859 $1,583 $1,698 $5,292 $6,902 $2,126 $2,333
Progressive $1,666 $1,587 $1,501 $1,516 $9,479 $10,677 $2,086 $2,138
State Farm $1,448 $1,448 $1,277 $1,277 $4,202 $5,402 $1,594 $1,773
Travelers $1,199 $1,226 $1,096 $1,107 $6,919 $11,046 $1,249 $1,490
USAA $985 $972 $914 $925 $2,708 $3,035 $1,333 $1,432

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Minimum Car Insurance in Monterey, IN

Every driver must carry the minimum car insurance in Monterey, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Monterey, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Monterey, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Monterey, Indiana

Insurance Company Poor Fair Good
Allstate $5,274 $3,899 $3,538
American Family $4,953 $3,229 $2,706
Farmers $4,040 $3,292 $3,051
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $3,363 $2,839 $2,651
Progressive $4,242 $3,736 $3,515
State Farm $3,355 $2,001 $1,551
Travelers $3,531 $2,986 $2,982
USAA $2,075 $1,367 $1,171

Cheapest Monterey, IN 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 Monterey, IN to rates for a clean record with top companies.

Annual Monterey, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,397 $4,959 $4,566 $4,027
American Family $2,501 $3,991 $5,046 $2,979
Farmers $3,105 $3,599 $3,716 $3,424
GEICO $1,471 $2,307 $3,115 $2,043
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,531 $3,276 $3,139 $2,857
Progressive $2,879 $5,006 $3,434 $4,005
State Farm $2,252 $2,455 $2,252 $2,252
Travelers $2,694 $3,318 $3,760 $2,893
USAA $1,164 $1,651 $1,894 $1,443

Cheapest Monterey, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Monterey, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,926 $9,950
American Family $6,152 $8,981
Farmers $8,428 $9,011
GEICO $4,461 $4,147
Liberty Mutual $8,754 $13,230
Nationwide $5,292 $6,902
Progressive $9,479 $10,677
State Farm $4,202 $5,402
Travelers $6,919 $11,046
USAA $2,708 $3,035

Cheapest Monterey, IN Car Insurance for Seniors

Take a look at Monterey, IN 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 Monterey, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,324 $2,546
American Family $2,063 $2,063
Farmers $1,347 $1,514
GEICO $1,431 $1,480
Liberty Mutual $3,662 $3,662
Nationwide $1,583 $1,698
Progressive $1,501 $1,516
State Farm $1,277 $1,277
Travelers $1,096 $1,107
USAA $914 $925

Cheapest Monterey, IN Car Insurance Rates After a DUI

A DUI in Monterey, IN increases car insurance rates. Compare Monterey, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Monterey, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,566
American Family $5,046
Farmers $3,716
GEICO $3,115
Liberty Mutual $8,386
Nationwide $3,139
Progressive $3,434
State Farm $2,252
Travelers $3,760
USAA $1,894

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Cheapest Monterey, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Monterey, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,237 $4,237
American Family $3,585 $3,673
Farmers $3,461 $3,461
GEICO $2,193 $2,275
Liberty Mutual $5,687 $5,998
Nationwide $2,951 $2,951
Progressive $3,831 $3,831
State Farm $2,237 $2,368
Travelers $3,166 $3,166
USAA $1,517 $1,558

The Best Cheap Car Insurance Companies in Monterey, IN

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

Average Annual Car Insurance Rates by Company in Monterey, Indiana

Insurance Company Average Annual Rates
Allstate $4,237
American Family $3,629
Farmers $3,461
GEICO $2,234
Liberty Mutual $5,842
Nationwide $2,951
Progressive $3,831
State Farm $2,302
Travelers $3,166
USAA $1,538

Category Winners: Cheapest Car Insurance in Monterey, Indiana

Find the cheapest car insurance companies in Monterey, IN for each category right here.

Best Annual Car Insurance Rates by Company in Monterey, Indiana

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

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Cheapest Monterey, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Monterey, Indiana

Insurance Company Low Medium High
Allstate $4,061 $4,223 $4,427
American Family $3,604 $3,750 $3,534
Farmers $3,320 $3,453 $3,610
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $3,007 $2,927 $2,919
Progressive $3,622 $3,772 $4,099
State Farm $2,207 $2,301 $2,399
Travelers $3,107 $3,196 $3,196
USAA $1,486 $1,534 $1,594

What affects car insurance rates in Monterey, Indiana?

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

Commute Time in Monterey

The more time you spend in your car the higher the risk of an accident. The average commute length in Monterey, IN is 31.1 minutes according to City-Data.

Traffic in Monterey

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Monterey, IN traffic data from INRIX ranks Monterey as the 416th-most congested in the world.

Compare Car Insurance Quotes in Monterey, IN

Ready to find affordable Monterey, Indiana car insurance today? Enter your ZIP code for fast, free Monterey, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State