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 Monticello, LA
We monitor insurance prices, helping the average driver in Monticello save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in Monticello
The chart below shows the cheapest car insurance company in Monticello 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 Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.
| Monticello Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $110 |
| State Farm | $130 |
| Safeco Insurance | $131 |
| Clearcover | $145 |
Savings for Every Kind of Monticello Driver
Based on our extensive insurance data, we know the average Monticello driver will save about 28% 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 $843 per year by choosing the right vehicle insurance company. Some Monticello residents are paying out over $3,030 extra every year for auto insurance in Monticello. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Monticello, LA Savings / Yr. |
|---|---|
$843 |
|
$1,478 |
|
$1,052 |
|
$1,587 |
|
$2,517 |
|
$781 |
|
$1,344 |
Monticello Car Insurance vs. Louisiana
People living in Monticello pay an average of 0.57% more than the typical driver in the state. The average driver in Monticello can expect to pay about $1,917 per year, or $3,030 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Monticello for most people.
Car Insurance Prices by Monticello Neighborhood
Insurance Prices
Where is insurance cheapest within Monticello?
The map shows insurance prices in and around Monticello, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $82 per year within the city boundaries, with insurance premiums ranging from a high of $3,102 to a low of $3,020. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the East parts of Monticello.Pick the Best Car Insurance Company for You in Monticello
The best car insurance provider for most drivers in Monticello
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $843 over the average Monticello car insurance company.
The best car insurance provider for Monticello drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,478 over the competition.
The best car insurance company for Monticello drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,052 better than other car insurance companies.
The best auto insurance for Monticello drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $1,587 less each year.
The least expensive car insurance company for new and young drivers in Monticello
In Monticello, Farm Bureau costs young drivers $2,517 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Monticello
Farm Bureau gave the largest car insurance discounts to married couples, averaging $781 saved each year compared to an average Monticello couple's premiums.
The cheapest car insurance in Monticello for drivers with bad credit
The best Monticello car insurance company for customer service
Nationwide was the best company for customer service in Monticello according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Monticello, which was better than other insurers.
The cheapest large national provider in Monticello
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Monticello driver can expect to pay about $222 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 Monticello, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around Monticello
What Influences the Cost of Car Insurance in Monticello?
On average, car insurance in Monticello 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:
- Louisiana state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Monticello are among the lowest 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 D according to CrimeGrade.org.
- Monticello 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 Monticello is $160 per month for minimum coverage and $253 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
- Lake Providence: Insurance costs 3.37% more
- Shelburn: Insurance costs 2.51% more
- Forest: Insurance costs 1.12% less
- Hollybrook: Insurance costs 0.33% less
- Tallula: Insurance costs 41.35% less
- Oak Grove: Insurance costs 1.35% less
- Transylvania: Insurance costs 2.21% less
- Pioneer: Insurance costs 1.85% less
- Darnell: Insurance costs 2.15% less
- Fitler: Insurance costs 41.35% less
Cities with Similar Populations
- Milner: Insurance costs 34.82% less
- McFadden: Insurance costs 48.91% less
- McIntyre: Insurance costs 64.09% less
- Mckenzie: Insurance costs 53.53% less
- McKinley: Insurance costs 6.50% less
- McKinley: Insurance costs 53.43% less
- Meadowdale: Insurance costs 29.70% less
- Medfra: Insurance costs 54.75% less
- Medway: Insurance costs 47.06% less
- Meeker: Insurance costs 2.08% more