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Get Cheap Car Insurance in Mono County, CA

We monitor insurance prices, helping the average driver in Mono County save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Mono County

The chart below shows the cheapest car insurance company in Mono County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
Mono County Insurer Monthly Cost
Metromile $48
Geico $54
Progressive $58
Travelers $60

Savings for Every Kind of Mono County Driver

The table shows how much the average auto insurance customer in Mono County might save by following our recommendations.

Based on our extensive insurance data, we know the average Mono County driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $609 per year by choosing the right vehicle insurance company. Some Mono County residents are paying out over $1,905 extra every year for auto insurance in Mono County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mono County, CA Savings / Yr.
Drivers with good records
$609
Drivers with accidents
$1,116
Drivers with speeding tickets
$882
Drivers with a DUI conviction
$1,550
Young drivers
$796
Married drivers
$345
Drivers with bad credit
$0

Mono County Car Insurance vs. California

People living in Mono County pay an average of 5.13% less than the typical driver in the state. The average driver in Mono County can expect to pay about $892 per year, or $1,905 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Mono County for most people.

Car Insurance Prices by Mono County Neighborhood

Mono County, CA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Mono County?

The map shows insurance prices in and around Mono County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $487 per year within the county boundaries, with insurance premiums ranging from a high of $2,222 to a low of $1,735. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Mono County.

Pick the Best Car Insurance Company for You in Mono County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Mono County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mono County

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $609 over the average Mono County car insurance company.

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We use the average good driver, paying $108 per month, as our baseline for pricing in Mono County. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Mono County drivers with accidents on their records

In Mono County getting into an accident will raise premiums an average 44% for a yearly cost of $3,426. That's $1,521 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,116 over the competition.

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The best car insurance company for Mono County drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $882 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Mono County, tickets raise premiums on new quotes about $967. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $2,872 per year.

The best auto insurance for Mono County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,824 per year in auto insurance premiums, which was $2,919 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,550 less each year.

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The least expensive car insurance company for new and young drivers in Mono County

In Mono County, State Farm costs young drivers $796 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Mono County. With an average cost of $5,055 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Mono County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $189. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Mono County.

Progressive gave the largest car insurance discounts to married couples, averaging $345 saved each year compared to an average Mono County couple's premiums.

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The cheapest car insurance in Mono County for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Mono County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mono County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Mono County.

Nationwide was the best company for customer service in Mono County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Mono County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Mono County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Mono County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 31% of Mono County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Mono County driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Mono County, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Mono County

What Influences the Cost of Car Insurance in Mono County?

On average, car insurance in Mono County is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Mono County is 19 minutes, which is far less than average for a driver in the state.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Mono County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Mono County is one of the most densely populated areas in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Mono County is $74 per month for minimum coverage and $159 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Mono County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mono County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.