Monroe, GA Car Insurance

The average monthly cost for car insurance in Monroe is about $98. To learn more about policy rates and coverage in the Monroe area, continue reading our guide below.
What rates should residents of Monroe expect to pay for their car insurance? How does Monroe compare to the surrounding area and the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Monroe?

Area Average Monthly Car Insurance Premium
Monroe$98
GA$104
United States$80

Based on the above chart, auto insurance policies in Monroe are about $6 a month cheaper than in the rest of Georgia.

Conversely, Monroe residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $18 cheaper than it is in Monroe.

Bear in mind that while these are the average car insurance rates for Monroe, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Monroe residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$145
25-34$96
35-44$84
45-54$84
55-64$82
65+$86

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $59 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Monroe.

Average Car Insurance Rates by Gender

Gender Average
Male$106
Female$93

Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Monroe, where male drivers pay about $13 more a month. Looking at the table above, you can see that female drivers pay around $93 on average, while male drivers typically pay $106 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$120
Multiple Accidents$144
1 Ticket$145
Multiple Tickets$189

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Monroe with a single accident on their record will usually see rates around $120 a month. In addition, drivers with one ticket can expect to pay around $145 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$95
2-3 Years$108
4-5 Years$93
6-7 Years$106
8-10 Years$98
11-14 Years$101
15 Years or Older$95

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Monroe, with drivers paying around $88 per month to insure their vehicle.

Car owners, on the other hand, usually pay around $100 per month, while SUV drivers can expect to pay about $99 a month for insurance coverage.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Monroe, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$106
Married$77
Divorced$82
Widowed$93

Overall, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Monroe is no exception, with the difference totaling to around $29 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$94
Rent$98
Live with parents$122

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than drivers who own property in Monroe. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Monroe, GA

Recent trends in car insurance for Monroe drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Monroe, car insurance rates increased from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $115 per month

How does Monroe compare to neighboring areas?

Why are car insurance rates in Monroe different from other areas?

Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Frequency of car accidents
  • Off-street parking accessibility
  • Area laws
  • Total amount of drivers in the area
  • Area crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Monroe?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Monroe in no time.

Compare the cheapest quotes from dozens of insurance companies

Monroe Insurance FAQs

What factors affect car insurance quotes in Monroe?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Monroe different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Monroe?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Monroe?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Monroe or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes