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Get Cheap Car Insurance in Monroe, NY
We monitor insurance prices, helping the average driver in Monroe save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Monroe
The chart below shows the cheapest car insurance company in Monroe 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Monroe Insurer | Monthly Cost |
|---|---|
| Kemper | $93 |
| Plymouth Rock Assurance | $124 |
| Safeco Insurance | $133 |
| Geico | $139 |
Savings for Every Kind of Monroe Driver
Based on our extensive insurance data, we know the average Monroe driver will save about 30% 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, credit score, marital status, and age. The average driver will find themselves saving $753 per year by choosing the right vehicle insurance company. Some Monroe residents are paying out over $2,525 extra every year for auto insurance in Monroe. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Monroe, NY Savings / Yr. |
|---|---|
$753 |
|
$480 |
|
$959 |
|
$970 |
|
$2,377 |
|
$796 |
|
$1,267 |
Monroe Car Insurance vs. New York
People living in Monroe pay an average of 4.13% more than the typical driver in the state. The average driver in Monroe can expect to pay about $1,832 per year, or $2,525 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Monroe for most people.
Car Insurance Prices by Monroe Neighborhood
Insurance Prices
Where is insurance cheapest within Monroe?
The map shows insurance prices in and around Monroe, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $616 per year within the city boundaries, with insurance premiums ranging from a high of $2,902 to a low of $2,286. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of Monroe.Pick the Best Car Insurance Company for You in Monroe
The best car insurance provider for most drivers in Monroe
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $753 over the average Monroe car insurance company.
The best car insurance provider for Monroe drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $480 over the competition.
The best car insurance company for Monroe drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $959 better than other car insurance companies.
The best auto insurance for Monroe drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $970 less each year.
The least expensive car insurance company for new and young drivers in Monroe
In Monroe, Progressive costs young drivers $2,377 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Monroe
Progressive gave the largest car insurance discounts to married couples, averaging $796 saved each year compared to an average Monroe couple's premiums.
The cheapest car insurance in Monroe for drivers with bad credit
The best Monroe car insurance company for customer service
Recent price drops
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The cheapest large national provider in Monroe
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Monroe driver can expect to pay about $183 per month.
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 Monroe, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Monroe
What Influences the Cost of Car Insurance in Monroe?
On average, car insurance in Monroe is more expensive than the rest of the state. These high 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 city are influenced by the following factors:
- The average commute time in Monroe is 49 minutes, which is far more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Monroe are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Monroe has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Monroe is $153 per month for minimum coverage and $210 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 Cities
- Harriman: Insurance costs 5.39% more
- Kiryas Joel: Insurance costs 0.83% more
- Arden: Insurance costs 6.30% less
- Greycourt: Insurance costs 4.28% less
- South Blooming Grove: Insurance costs 3.45% less
- Central Valley: Insurance costs 0.79% more
- Sugar Loaf: Insurance costs 3.76% less
- Chester: Insurance costs 3.33% less
- Southfields: Insurance costs 8.75% less
- Highland Mills: Insurance costs 3.45% less
Cities with Similar Populations
- Mckees Rocks: Insurance costs 43.21% less
- Monroe: Insurance costs 38.61% less
- Mocksville: Insurance costs 51.72% less
- Minneola: Insurance costs 2.85% less
- Millington: Insurance costs 41.66% less
- Millbrae: Insurance costs 17.78% less
- Miami Springs: Insurance costs 31.33% more
- Menomonie: Insurance costs 55.84% less
- Medford: Insurance costs 31.33% less
- Montclair: Insurance costs 47.45% less