Compare Monticello, IN Car Insurance Rates (2021)

Car insurance in Monticello, IN averages $276 a month. Monticello, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Monticello car insurance rates, compare quotes from the top car insurance companies in Monticello, 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

  • Average car insurance rates in Monticello, IN after a DUI are $3,923/year
  • The cheapest car insurance company in Monticello is USAA
  • Average car insurance rates in Monticello, IN are $3,310/year

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

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

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

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

How do age, gender, and marital status affect Monticello, IN car insurance rates? Every Monticello, 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 Monticello, 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 $2,677 $2,756 $2,332 $2,554 $7,928 $9,950 $2,750 $2,995
American Family $2,207 $2,207 $1,982 $1,982 $6,087 $8,808 $2,207 $2,702
Farmers $1,487 $1,469 $1,274 $1,431 $7,876 $8,397 $1,952 $2,107
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 $1,597 $1,515 $1,442 $1,454 $9,268 $10,432 $2,003 $2,053
State Farm $1,472 $1,472 $1,306 $1,306 $4,373 $5,616 $1,625 $1,806
Travelers $1,228 $1,249 $1,152 $1,151 $7,628 $12,053 $1,300 $1,503
USAA $998 $984 $927 $936 $2,756 $3,085 $1,350 $1,448

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Minimum Car Insurance in Monticello, IN

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

Minimum Required Car Insurance Coverage in Monticello, 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 Monticello, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Monticello, Indiana

Insurance Company Poor Fair Good
Allstate $5,283 $3,903 $3,542
American Family $4,820 $3,129 $2,619
Farmers $3,795 $3,091 $2,862
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $3,363 $2,839 $2,651
Progressive $4,110 $3,631 $3,420
State Farm $3,456 $2,061 $1,598
Travelers $3,795 $3,216 $3,214
USAA $2,105 $1,388 $1,189

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

Annual Monticello, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,403 $4,964 $4,571 $4,033
American Family $2,427 $3,874 $4,898 $2,891
Farmers $2,904 $3,394 $3,491 $3,208
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 $2,799 $4,861 $3,338 $3,884
State Farm $2,318 $2,535 $2,318 $2,318
Travelers $2,895 $3,578 $4,054 $3,105
USAA $1,180 $1,676 $1,923 $1,463

Cheapest Monticello, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Monticello, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,928 $9,950
American Family $6,087 $8,808
Farmers $7,876 $8,397
GEICO $4,461 $4,147
Liberty Mutual $8,754 $13,230
Nationwide $5,292 $6,902
Progressive $9,268 $10,432
State Farm $4,373 $5,616
Travelers $7,628 $12,053
USAA $2,756 $3,085

Cheapest Monticello, IN Car Insurance for Seniors

Take a look at Monticello, 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 Monticello, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,332 $2,554
American Family $1,982 $1,982
Farmers $1,274 $1,431
GEICO $1,431 $1,480
Liberty Mutual $3,662 $3,662
Nationwide $1,583 $1,698
Progressive $1,442 $1,454
State Farm $1,306 $1,306
Travelers $1,152 $1,151
USAA $927 $936

Cheapest Monticello, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Monticello, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,571
American Family $4,898
Farmers $3,491
GEICO $3,115
Liberty Mutual $8,386
Nationwide $3,139
Progressive $3,338
State Farm $2,318
Travelers $4,054
USAA $1,923

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Cheapest Monticello, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Monticello, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,243 $4,243
American Family $3,480 $3,566
Farmers $3,249 $3,249
GEICO $2,193 $2,275
Liberty Mutual $5,687 $5,998
Nationwide $2,951 $2,951
Progressive $3,721 $3,721
State Farm $2,304 $2,440
Travelers $3,408 $3,408
USAA $1,540 $1,581

The Best Cheap Car Insurance Companies in Monticello, IN

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

Average Annual Car Insurance Rates by Company in Monticello, Indiana

Insurance Company Average Annual Rates
Allstate $4,243
American Family $3,523
Farmers $3,249
GEICO $2,234
Liberty Mutual $5,842
Nationwide $2,951
Progressive $3,721
State Farm $2,372
Travelers $3,408
USAA $1,561

Category Winners: Cheapest Car Insurance in Monticello, Indiana

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

Best Annual Car Insurance Rates by Company in Monticello, 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 Monticello, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Monticello, Indiana

Insurance Company Low Medium High
Allstate $4,065 $4,227 $4,436
American Family $3,477 $3,639 $3,452
Farmers $3,139 $3,241 $3,367
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $3,007 $2,927 $2,919
Progressive $3,543 $3,671 $3,948
State Farm $2,264 $2,371 $2,481
Travelers $3,343 $3,440 $3,442
USAA $1,506 $1,557 $1,618

What affects car insurance rates in Monticello, Indiana?

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

Commute Time in Monticello

The more time you spend in your car the higher the risk of an accident. The average commute length in Monticello, IN is 17.8 minutes according to City-Data.

Compare Car Insurance Quotes in Monticello, IN

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

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Average Monthly Car Insurance Rates by State