Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Monterey, CA
We monitor insurance prices, helping the average driver in Monterey save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Monterey
The chart below shows the cheapest car insurance company in Monterey 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.
| Monterey Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $54 |
| Progressive | $57 |
| Travelers | $59 |
Savings for Every Kind of Monterey Driver
Based on our extensive insurance data, we know the average Monterey 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 $605 per year by choosing the right vehicle insurance company. Some Monterey residents are paying out over $1,891 extra every year for auto insurance in Monterey. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Monterey, CA Savings / Yr. |
|---|---|
$605 |
|
$1,107 |
|
$876 |
|
$1,539 |
|
$790 |
|
$343 |
|
$0 |
Monterey Car Insurance vs. California
People living in Monterey pay an average of 5.83% less than the typical driver in the state. The average driver in Monterey can expect to pay about $885 per year, or $1,891 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Monterey for most people.
Car Insurance Prices by Monterey Neighborhood
Insurance Prices
Where is insurance cheapest within Monterey?
The map shows insurance prices in and around Monterey, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $267 per year within the city boundaries, with insurance premiums ranging from a high of $2,057 to a low of $1,790. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Monterey.Pick the Best Car Insurance Company for You in Monterey
The best car insurance provider for most drivers in Monterey
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $605 over the average Monterey car insurance company.
The best car insurance provider for Monterey drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,107 over the competition.
The best car insurance company for Monterey drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $876 better than other car insurance companies.
The best auto insurance for Monterey drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,539 less each year.
The least expensive car insurance company for new and young drivers in Monterey
In Monterey, State Farm costs young drivers $790 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Monterey
Progressive gave the largest car insurance discounts to married couples, averaging $343 saved each year compared to an average Monterey couple's premiums.
The cheapest car insurance in Monterey for drivers with bad credit
The best Monterey car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Monterey, which was better than other insurers.
The cheapest large national provider in Monterey
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Monterey driver can expect to pay about $129 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 Monterey, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Monterey
What Influences the Cost of Car Insurance in Monterey?
On average, car insurance in Monterey 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 city are influenced by the following factors:
- The average commute time in Monterey is 24 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 Monterey are lower than average 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.
- Monterey is a lightly populated area 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 Monterey is $74 per month for minimum coverage and $158 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
- Sand City: Insurance costs 6.03% more
- Del Rey Oaks: Insurance costs 2.06% less
- Pacific Grove: Insurance costs 2.96% less
- Del Monte Forest: Insurance costs 0.63% more
- Seaside: Insurance costs 7.30% more
- Carmel-By-The-Sea: Insurance costs 0.42% less
- Carmel: Insurance costs 2.38% less
- Carmel Highlands: Insurance costs 5.61% less
- Marina: Insurance costs 8.30% more
- Robles Del Rio: Insurance costs 1.53% less
Cities with Similar Populations
- Red Bluff: Insurance costs 1.69% less
- Mason City: Insurance costs 35.96% less
- Medford: Insurance costs 41.88% more
- Mokena: Insurance costs 20.10% less
- Monsey: Insurance costs 35.17% more
- Mount Holly: Insurance costs 31.73% less
- Mount Vernon: Insurance costs 42.15% less
- Mountain Home: Insurance costs 13.33% less
- Parrish: Insurance costs 31.46% more
- Plum: Insurance costs 26.71% less