Best Cheap Auto Insurance in Monroe, NC (2021)

The average Monroe, NC auto insurance rates are $317 per month. The minimum auto insurance in Monroe is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Monroe, North Carolina, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • The minimum auto insurance required in Monroe, North Carolina is 30/60/25
  • The average commute length in Monroe is 25.7 minutes
  • The most expensive auto insurance company in Monroe for teen drivers is Allstate

Monroe, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Monroe can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Monroe, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Monroe to other North Carolina cities, including Greensboro auto insurance rates, Concord auto insurance rates, and High Point auto insurance rates to see how Monroe, North Carolina auto insurance rates stack up.

Before you buy Monroe, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Monroe, North Carolina auto insurance quotes.

Minimum Auto Insurance in Monroe, North Carolina

Monroe, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Monroe, North Carolina.

Minimum Required Auto Insurance Coverage in Monroe, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Monroe, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Monroe, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Monroe, North Carolina

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 $6,517 $6,517 $5,343 $5,343 $15,763 $15,763 $6,645 $6,645
GEICO $2,629 $2,584 $2,590 $2,547 $4,648 $4,609 $2,331 $2,319
Liberty Mutual $2,048 $2,048 $2,120 $2,120 $3,633 $3,633 $2,048 $2,048
Nationwide $2,626 $2,626 $2,626 $2,626 $4,456 $4,456 $2,626 $2,626
Progressive $2,053 $2,053 $1,874 $1,874 $4,684 $4,684 $2,268 $2,268
State Farm $2,855 $2,855 $2,468 $2,468 $4,216 $4,216 $3,528 $3,528
Travelers $2,958 $2,958 $2,935 $2,935 $4,999 $4,999 $3,035 $3,035

Cheap Monroe, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Monroe, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Monroe, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in Monroe, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,763 $15,763
GEICO $4,648 $4,609
Liberty Mutual $3,633 $3,633
Nationwide $4,456 $4,456
Progressive $4,684 $4,684
State Farm $4,216 $4,216
Travelers $4,999 $4,999

Cheap Monroe, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Monroe, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Monroe, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,343 $5,343
GEICO $2,590 $2,547
Liberty Mutual $2,120 $2,120
Nationwide $2,626 $2,626
Progressive $1,874 $1,874
State Farm $2,468 $2,468
Travelers $2,935 $2,935

Cheap Monroe, North Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Monroe, North Carolina compared to the annual auto insurance rates with a clean record in Monroe, North Carolina.

Annual Monroe, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,643 $8,169 $15,180 $6,275
GEICO $1,533 $2,342 $6,073 $2,180
Liberty Mutual $1,467 $1,883 $4,616 $1,883
Nationwide $1,815 $2,346 $5,826 $2,346
Progressive $1,299 $1,891 $5,856 $1,833
State Farm $1,742 $2,517 $6,291 $2,517
Travelers $1,982 $2,751 $6,545 $2,649

Cheap Monroe, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Monroe, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Monroe, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in Monroe, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $15,180
GEICO $6,073
Liberty Mutual $4,616
Nationwide $5,826
Progressive $5,856
State Farm $6,291
Travelers $6,545

Cheap Monroe, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Monroe, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Monroe, North Carolina

Insurance Company Poor Fair Good
Allstate $11,574 $7,533 $6,593
GEICO $3,264 $3,018 $2,814
Liberty Mutual $2,462 $2,462 $2,462
Nationwide $3,084 $3,084 $3,084
Progressive $3,048 $2,658 $2,454
State Farm $4,589 $2,933 $2,278
Travelers $3,762 $3,383 $3,300

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Cheap Monroe, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Monroe, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Monroe, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Monroe, North Carolina

ZIP Code Average Annual Rates
28112 $3,441

Cheap Monroe, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Monroe, North Carolina auto insurance. Find the cheapest annual Monroe, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Monroe, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,567 $8,567
GEICO $3,032 $3,032
Liberty Mutual $2,462 $2,462
Nationwide $3,084 $3,084
Progressive $2,720 $2,720
State Farm $3,254 $3,280
Travelers $3,482 $3,482

Cheap Monroe, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Monroe, North Carolina? Check out the comparison of annual Monroe, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Monroe, North Carolina

Insurance Company Low Medium High
Allstate $8,276 $8,535 $8,890
GEICO $2,892 $3,020 $3,184
Liberty Mutual $2,339 $2,447 $2,601
Nationwide $2,957 $3,068 $3,226
Progressive $2,575 $2,703 $2,882
State Farm $3,125 $3,250 $3,425
Travelers $3,328 $3,463 $3,654

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Best By Category: Cheapest Auto Insurance in Monroe, North Carolina

Compare the cheapest auto insurance companies in Monroe, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Monroe, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Monroe, North Carolina Auto Insurance Companies

What auto insurance companies in Monroe, North Carolina are the cheapest? Compare the top Monroe, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Monroe, North Carolina

Insurance Company Average Annual Rates
Allstate $8,567
GEICO $3,032
Liberty Mutual $2,462
Nationwide $3,084
Progressive $2,720
State Farm $3,267
Travelers $3,482

What affects auto insurance rates in Monroe, North Carolina?

There are a lot of reasons why auto insurance rates in Monroe, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Monroe, North Carolina. Many local factors may affect your Monroe auto insurance rates.

Monroe Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Monroe, North Carolina commute length is 25.7 minutes according to City-Data.

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Compare Monroe, North Carolina Auto Insurance Quotes

Before you buy Monroe, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Monroe, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

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