Compare Monument, CO Car Insurance Rates (2021)

Car insurance in Monument, CO averages $333 a month. Monument, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Monument car insurance rates, compare quotes from the top car insurance companies in Monument, CO.

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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 Monument, CO after a DUI are $4,736/year
  • The cheapest car insurance company in Monument for teen drivers is USAA
  • Average car insurance rates in Monument, CO are $3,991/year

If you need to buy Monument, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Monument, CO is right here.

You’ll find Monument car insurance rates, the cheapest Monument, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Monument, Colorado car insurance rates to Pueblo car insurance rates, Denver car insurance rates, and Boulder car insurance rates.

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

Cheapest Monument, CO Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monument, Colorado

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 $3,350 $3,131 $3,019 $3,050 $11,789 $12,401 $3,684 $3,699
American Family $2,547 $2,547 $2,297 $2,297 $6,182 $8,303 $2,547 $3,121
Farmers $3,134 $3,105 $2,843 $3,086 $11,965 $11,994 $3,420 $3,424
GEICO $2,065 $2,258 $2,201 $2,508 $6,507 $6,865 $1,888 $1,911
Liberty Mutual $1,912 $1,844 $1,643 $1,811 $5,886 $6,397 $1,921 $1,909
Nationwide $2,511 $2,553 $2,250 $2,374 $6,371 $8,136 $2,892 $3,120
Progressive $2,635 $2,462 $2,304 $2,294 $9,088 $10,158 $2,968 $2,883
State Farm $2,320 $2,320 $2,086 $2,086 $6,595 $8,363 $2,593 $3,060
USAA $2,207 $2,201 $2,108 $2,110 $5,561 $6,365 $2,837 $3,082

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Minimum Car Insurance in Monument, CO

Every driver must carry the minimum car insurance in Monument, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Monument, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Monument, CO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Monument, Colorado

Insurance Company Poor Fair Good
Allstate $7,030 $5,424 $4,092
American Family $4,846 $3,450 $2,895
Farmers $6,254 $5,057 $4,803
GEICO $3,940 $3,275 $2,611
Liberty Mutual $4,156 $2,557 $2,032
Nationwide $4,562 $3,616 $3,149
Progressive $4,948 $4,223 $3,876
State Farm $5,100 $3,284 $2,650
USAA $4,890 $2,795 $2,242

Cheapest Monument, CO 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 Monument, CO to rates for a clean record with top companies.

Annual Monument, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,692 $5,408 $6,634 $5,327
American Family $2,758 $3,912 $5,122 $3,128
Farmers $4,536 $5,839 $5,762 $5,349
GEICO $2,301 $3,602 $4,193 $3,005
Liberty Mutual $2,559 $2,998 $3,094 $3,010
Nationwide $2,909 $3,968 $5,028 $3,199
Progressive $3,758 $5,287 $3,967 $4,383
State Farm $3,389 $3,967 $3,678 $3,678
USAA $2,416 $2,950 $5,145 $2,723

Cheapest Monument, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Monument, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,789 $12,401
American Family $6,182 $8,303
Farmers $11,965 $11,994
GEICO $6,507 $6,865
Liberty Mutual $5,886 $6,397
Nationwide $6,371 $8,136
Progressive $9,088 $10,158
State Farm $6,595 $8,363
USAA $5,561 $6,365

Cheapest Monument, CO Car Insurance for Seniors

Take a look at Monument, CO 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 Monument, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,019 $3,050
American Family $2,297 $2,297
Farmers $2,843 $3,086
GEICO $2,201 $2,508
Liberty Mutual $1,643 $1,811
Nationwide $2,250 $2,374
Progressive $2,304 $2,294
State Farm $2,086 $2,086
USAA $2,108 $2,110

Cheapest Monument, CO Car Insurance Rates After a DUI

A DUI in Monument, CO increases car insurance rates. Compare Monument, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Monument, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,634
American Family $5,122
Farmers $5,762
GEICO $4,193
Liberty Mutual $3,094
Nationwide $5,028
Progressive $3,967
State Farm $3,678
USAA $5,145

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Cheapest Monument, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Monument, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,515 $5,515
American Family $3,650 $3,811
Farmers $5,371 $5,371
GEICO $3,207 $3,344
Liberty Mutual $2,915 $2,915
Nationwide $3,776 $3,776
Progressive $4,349 $4,349
State Farm $3,587 $3,769
USAA $3,215 $3,403

The Best Cheap Car Insurance Companies in Monument, CO

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

Average Annual Car Insurance Rates by Company in Monument, Colorado

Insurance Company Average Annual Rates
Allstate $5,515
American Family $3,730
Farmers $5,371
GEICO $3,275
Liberty Mutual $2,915
Nationwide $3,776
Progressive $4,349
State Farm $3,678
USAA $3,309

Category Winners: Cheapest Car Insurance in Monument, Colorado

Find the cheapest car insurance companies in Monument, CO for each category right here.

Best Annual Car Insurance Rates by Company in Monument, Colorado

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

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Cheapest Monument, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Monument, Colorado

Insurance Company Low Medium High
Allstate $5,218 $5,497 $5,831
American Family $3,533 $3,807 $3,851
Farmers $4,622 $5,283 $6,209
GEICO $2,923 $3,212 $3,690
Liberty Mutual $2,720 $2,903 $3,123
Nationwide $3,753 $3,778 $3,796
Progressive $3,990 $4,363 $4,694
State Farm $3,422 $3,679 $3,934
USAA $3,155 $3,309 $3,462

What affects car insurance rates in Monument, Colorado?

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

Commute Time in Monument

The more time you spend in your car the higher the risk of an accident. The average commute length in Monument, CO is 30.4 minutes according to City-Data.

Compare Car Insurance Quotes in Monument, CO

Ready to find affordable Monument, Colorado car insurance today? Enter your ZIP code for fast, free Monument, CO car insurance quotes.

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Average Monthly Car Insurance Rates by State