Monroe, NY Car Insurance

The average cost for car insurance in Monroe is about $116 a month. To learn more about policy rates and coverage in the Monroe area, continue reading our guide below.
What rates can residents of Monroe expect to pay for their car insurance? Are rates in Monroe higher or lower than those in neighboring areas? How do they compare to the rest of New York? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Monroe?

Area Average Monthly Car Insurance Premium
Monroe$116
NY$198
United States$80

Auto insurance coverage in Monroe is about $82 cheaper than it is in the rest of New York.

Compared to the national average cost of auto coverage, Monroe has higher rates. The average monthly payment in Monroe is about $36 more expensive than the rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Monroe, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 your monthly policy payment.

But worry not, we've done the heavy lifting and broken down the average rate for Monroe to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$189
25-34$103
35-44$94
45-54Not Enough Data
55-64$56
65+$79

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may begin to go back up in Monroe.

Average Car Insurance Rates by Gender

Gender Average
Male$111
Female$126

Although women typically pay less than men do for auto insurance, this is not the case in Monroe, where female drivers pay around $15 more per 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

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Monroe with one accident will pay around $127 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$145
2-3 Years$100
4-5 Years$82
6-7 Years$66
8-10 Years$164
11-14 Years$139
15 Years or Older$81

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Monroe, with drivers paying around $103 per month for auto insurance coverage.

Truck and van drivers will see rates of about $269 for car insurance, while car owners usually pay around $107 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Monroe, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$116
Married$176
Divorced$77
Widowed$59

On average, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

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 $60 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$70
Rent$137
Live with parents$332

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $67 a month more than drivers who own property in Monroe. But those who live at home with their parents can expect to pay significantly more.

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 premiums.

Car Insurance Companies in Monroe, NY

Recent trends in car insurance for Monroe drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for car insurance in Monroe went up from 2016-2019, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $111.

How does Monroe compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide 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:

  • Amount of off-street parking
  • Prevalence of crime
  • Number of car accidents
  • Total number of drivers
  • Area laws

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Monroe?

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

Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Monroe.

Compare the cheapest quotes from dozens of insurance companies

Monroe Insurance FAQs

What factors affect car insurance quotes in Monroe?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.

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

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Monroe or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes