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Get Cheap Car Insurance in Monterey, VA
We monitor insurance prices, helping the average driver in Monterey save up to 38.8% 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, Farm Bureau, and Safeco Insurance.
| Monterey Insurer | Monthly Cost |
|---|---|
| Metromile | $42 |
| Geico | $48 |
| Farm Bureau | $50 |
| Safeco Insurance | $54 |
Savings for Every Kind of Monterey Driver
Based on our extensive insurance data, we know the average Monterey driver will save about 38% 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 $442 per year by choosing the right vehicle insurance company. Some Monterey residents are paying out over $1,173 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, VA Savings / Yr. |
|---|---|
$442 |
|
$755 |
|
$646 |
|
$632 |
|
$1,033 |
|
$237 |
|
$426 |
Monterey Car Insurance vs. Virginia
People living in Monterey pay an average of 3.42% less than the typical driver in the state. The average driver in Monterey can expect to pay about $812 per year, or $1,173 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 $12 per year within the city boundaries, with insurance premiums ranging from a high of $1,177 to a low of $1,165. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest 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 $442 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 $755 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 $646 better than other car insurance companies.
The best auto insurance for Monterey drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $632 less each year.
The least expensive car insurance company for new and young drivers in Monterey
In Monterey, Erie Insurance costs young drivers $1,033 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Monterey
Farm Bureau gave the largest car insurance discounts to married couples, averaging $237 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
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The cheapest large national provider in Monterey
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Monterey driver can expect to pay about $89 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 young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.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 30 minutes, which is a little less than average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Monterey are about 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 C- according to CrimeGrade.org.
- Monterey is one of the most densely populated areas in the state. The city’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 Monterey is $68 per month for minimum coverage and $98 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
- Vanderpool: Insurance costs 0.26% less
- Hightown: Insurance costs 0.68% less
- New Hampden: Insurance costs 0.34% less
- Doe Hill: Insurance costs 1.28% more
- Mc Dowell: Insurance costs 1.45% more
- Blue Grass: Insurance costs 0.26% less
- Harper: Insurance costs 27.79% more
- Arbovale: Insurance costs 21.23% more
- Boyer: Insurance costs 20.89% more
- Moatstown: Insurance costs 25.75% more
Cities with Similar Populations
- Sycamore: Insurance costs 18.58% more
- Garden City: Insurance costs 42.46% more
- Georgetown: Insurance costs 82.52% more
- Given: Insurance costs 29.92% more
- Gladstone: Insurance costs 24.47% more
- Glen Raven: Insurance costs 5.12% more
- Gorham: Insurance costs 30.35% more
- Graham: Insurance costs 32.48% more
- Gum Flat: Insurance costs 13.30% more
- Hamden: Insurance costs 82.95% more