Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Monroe, MI are $889/month
  • Average car insurance rates in Monroe, MI for senior drivers are $7,025/year
  • The cheapest car insurance company in Monroe for teen drivers is USAA

Average car insurance rates in Monroe, Michigan are $889 a month. But with a little research you can get a great deal from the top car insurance companies in Monroe, MI. Before you buy Monroe, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Monroe car insurance rates with Flint car insurance rates, Troy car insurance rates, or Livonia car insurance rates to make sure you’re getting the best Monroe, MI car insurance quotes available.

Need affordable Monroe, MI car insurance? Enter your ZIP code to compare Monroe car insurance quotes from multiple car insurance companies near you.

Monroe, MI Minimum Car Insurance Coverage

Monroe, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Monroe, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Monroe, MI Car Insurance Rates by Coverage Level

Some Monroe drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Monroe, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Monroe, Michigan

Insurance Company Low Medium High
Allstate $21,921 $22,637 $23,177
Farmers $5,448 $5,574 $5,735
GEICO $6,257 $6,702 $7,376
Liberty Mutual $20,193 $20,681 $21,330
Nationwide $5,102 $4,881 $4,851
Progressive $5,274 $5,473 $5,648
State Farm $13,330 $14,201 $14,784
Travelers $11,976 $12,100 $12,191
USAA $3,630 $3,754 $3,849

Monroe, MI Car Insurance Rates by Age, Gender, and Marital Status

Monroe, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Monroe, MI car insurance, get quotes from multiple car insurance companies in the Monroe area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monroe, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $16,500 $16,500 $15,329 $15,329 $41,100 $41,100 $17,385 $17,385
Farmers $4,289 $4,289 $4,014 $4,014 $9,229 $9,229 $4,810 $4,810
GEICO $4,771 $4,771 $4,890 $4,890 $12,915 $12,915 $4,537 $4,537
Liberty Mutual $15,624 $15,624 $15,474 $15,474 $36,217 $36,217 $15,624 $15,624
Nationwide $3,550 $3,550 $3,173 $3,173 $9,174 $9,174 $3,883 $3,883
Progressive $3,262 $2,976 $2,886 $3,278 $11,807 $12,370 $3,774 $3,366
State Farm $8,413 $8,413 $7,862 $7,862 $30,250 $30,250 $9,896 $9,896
Travelers $8,071 $8,071 $6,907 $6,907 $24,598 $24,598 $8,779 $8,779
USAA $2,736 $2,576 $2,576 $2,420 $6,759 $6,390 $3,328 $3,172

Monroe, MI Car Insurance Rates for Teens

How much is Monroe, Michigan car insurance for teens? Compare rates from top Monroe car insurance companies below to help find the cheapest teen car insurance in Monroe, MI.

Annual Car Insurance Rates for Teen Drivers in Monroe, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,100 $41,100
Farmers $9,229 $9,229
GEICO $12,915 $12,915
Liberty Mutual $36,217 $36,217
Nationwide $9,174 $9,174
Progressive $11,807 $12,370
State Farm $30,250 $30,250
Travelers $24,598 $24,598
USAA $6,759 $6,390

Monroe, MI Car Insurance Rates for Seniors

Before seniors buy Monroe, Michigan car insurance, they should make sure to shop around. Some Monroe, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Monroe, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,329 $15,329
Farmers $4,014 $4,014
GEICO $4,890 $4,890
Liberty Mutual $15,474 $15,474
Nationwide $3,173 $3,173
Progressive $2,886 $3,278
State Farm $7,862 $7,862
Travelers $6,907 $6,907
USAA $2,576 $2,420

Monroe, MI Car Insurance Rates by Credit History

How does your credit history affect Monroe, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Monroe, Michigan

Insurance Company Poor Fair Good
Allstate $34,233 $18,974 $14,528
Farmers $7,469 $4,839 $4,450
GEICO $8,726 $6,405 $5,204
Liberty Mutual $32,810 $18,942 $10,452
Nationwide $6,167 $4,675 $3,992
Progressive $6,337 $5,311 $4,747
State Farm $22,911 $11,567 $7,838
Travelers $12,389 $12,014 $11,862
USAA $5,605 $3,200 $2,429

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Monroe, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Monroe, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Monroe.

Annual Monroe, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,926 $14,628 $49,412 $15,348
Farmers $4,703 $5,972 $5,909 $5,759
GEICO $2,365 $5,043 $15,319 $4,386
Liberty Mutual $14,111 $17,337 $33,172 $18,319
Nationwide $4,246 $5,637 $5,129 $4,767
Progressive $4,595 $6,110 $5,490 $5,664
State Farm $8,818 $10,657 $23,531 $13,416
Travelers $8,148 $11,675 $18,887 $9,646
USAA $3,008 $3,765 $4,926 $3,279

Monroe, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Monroe, MI car insurance rates. Compare rates below to see which Monroe car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Monroe, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $49,412
Farmers $5,909
GEICO $15,319
Liberty Mutual $33,172
Nationwide $5,129
Progressive $5,490
State Farm $23,531
Travelers $18,887
USAA $4,926

Monroe, MI Car Insurance Rates by ZIP Code

Just like Monroe car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Monroe, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Monroe, Michigan

ZIP Code Average Annual Rates
48161 $7,577
48162 $7,666

Monroe, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Monroe, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Monroe companies based on commute time.

Annual Car Insurance Rates by Commute Length in Monroe, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,578 $22,578
Farmers $5,586 $5,586
GEICO $6,625 $6,932
Liberty Mutual $20,035 $21,435
Nationwide $4,945 $4,945
Progressive $5,465 $5,465
State Farm $13,714 $14,496
Travelers $12,019 $12,159
USAA $3,702 $3,787

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Monroe, MI Cheapest Car Insurance Rates

How do the top Monroe, Michigan car insurance companies’ average rates stack up against the Monroe average monthly car insurance rates of $889? Take a look and see.

Best Annual Car Insurance Rates by Company in Monroe, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Monroe, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Monroe, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Monroe, Michigan

Insurance Company Average Annual Rates
Allstate $22,578
Farmers $5,586
GEICO $6,778
Liberty Mutual $20,735
Nationwide $4,945
Progressive $5,465
State Farm $14,105
Travelers $12,089
USAA $3,745

Other Factors Affecting Monroe, MI Car Insurance Rates

Before you buy Monroe, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Monroe, MI Car Theft Rates

The car theft rate in Monroe, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Monroe, Michigan is 22 stolen cars.

Monroe, MI Commute Time

How does your Monroe, MI commute time compare with the average driver? In Monroe, the average commute is 21.8 minutes.

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Monroe, MI Car Insurance Quotes

Compare Monroe, MI car insurance quotes from multiple companies by entering your ZIP code now.