Monroe, NY Car Insurance

Drivers in Monroe pay around $155 a month for their car insurance. To learn more about policy rates and coverage in the Monroe area, continue reading our guide below.
How does Monroe stack up to the rest of the area, or even New York as a whole? How much can residents of Monroe expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Monroe?

Area Average Monthly Car Insurance Premium
Monroe$155
NY$199
United States$81

Compared to the rest of the New York, coverage in Monroe is about $44 a month cheaper.

The average cost of insuring your vehicle in Monroe is above the national rate. It's about $74 more expensive than the national average to insure your vehicle in Monroe.

While these are the average car insurance rates for Monroe, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

But don't worry, we've broken down the average rate for Monroe residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$342
25-34$101
35-44$94
45-54$79
55-64$73
65+$70

It's pretty safe to assume that the older you are, the longer you've been driving. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $272 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates start to rise again once you hit retirement in Monroe.

Average Car Insurance Rates by Gender

Gender Average
Male$172
Female$119

In general, women pay slightly less for car insurance than men. This rings true in Monroe, where women pay around $53 less per month than men. As you can see in the table above, female drivers in the area typically pay $119 on average, while female drivers typically pay $172 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$127
Multiple Accidents$141
1 TicketNot Enough Data
Multiple Tickets$63

Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Drivers in Monroe with a single accident will pay around $127 a month.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$145
2-3 Years$100
4-5 Years$80
6-7 Years$66
8-10 Years$114
11-14 Years$251
15 Years or Older$81

The cheapest vehicles to insure in Monroe are by and large cars, with each type typically costing about $107 per month.

Truck and van drivers will see rates of about $224, while the rates for SUV owners average out to about $229 a month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Monroe, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$168
Married$113
Divorced$68
Widowed$59

On average, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Monroe reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $55 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$69
Rent$128
Live with parents$332

Another factor taken into consideration is your housing status. In Monroe, homeowners can expect to pay around $59 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Monroe, NY

Recent trends in car insurance for Monroe drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Monroe, the rates for car insurance had been increasing from 2017-2019, before leveling out in 2020. Insurance rates finished down in 2022, at $84 per month

How does Monroe compare to neighboring areas?

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

Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Total number of drivers
  • Regional laws
  • Road Safety (frequency of local car accidents)
  • Crime levels
  • Off-street parking access

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Monroe?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering plans in Monroe.

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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 you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Monroe or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes