Best Cheap Auto Insurance in Monument, CO (2021)

The average Monument, CO auto insurance rates are $333 per month. The minimum auto insurance in Monument is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Monument, Colorado, 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: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Monument is Liberty Mutual
  • The minimum auto insurance required in Monument, Colorado is 25/50/15
  • The average commute length in Monument is 30.4 minutes

Monument, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Monument 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 Monument, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Monument to other Colorado cities, including Fort Collins auto insurance rates, Pueblo auto insurance rates, and Colorado Springs auto insurance rates to see how Monument, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Monument, Colorado

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

Minimum Required Auto Insurance Coverage in Monument, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Monument, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Monument, Colorado 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 Monument, Colorado

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 $3,350 $3,131 $3,019 $3,050 $11,789 $12,401 $3,684 $3,699
American Family $2,547 $2,547 $2,297 $2,297 $6,182 $8,303 $2,547 $3,121
Farmers $3,134 $3,105 $2,843 $3,086 $11,965 $11,994 $3,420 $3,424
GEICO $2,065 $2,258 $2,201 $2,508 $6,507 $6,865 $1,888 $1,911
Liberty Mutual $1,912 $1,844 $1,643 $1,811 $5,886 $6,397 $1,921 $1,909
Nationwide $2,511 $2,553 $2,250 $2,374 $6,371 $8,136 $2,892 $3,120
Progressive $2,635 $2,462 $2,304 $2,294 $9,088 $10,158 $2,968 $2,883
State Farm $2,320 $2,320 $2,086 $2,086 $6,595 $8,363 $2,593 $3,060
USAA $2,207 $2,201 $2,108 $2,110 $5,561 $6,365 $2,837 $3,082

Cheap Monument, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Monument, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Monument, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Monument, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,789 $12,401
American Family $6,182 $8,303
Farmers $11,965 $11,994
GEICO $6,507 $6,865
Liberty Mutual $5,886 $6,397
Nationwide $6,371 $8,136
Progressive $9,088 $10,158
State Farm $6,595 $8,363
USAA $5,561 $6,365

Cheap Monument, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Monument, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,019 $3,050
American Family $2,297 $2,297
Farmers $2,843 $3,086
GEICO $2,201 $2,508
Liberty Mutual $1,643 $1,811
Nationwide $2,250 $2,374
Progressive $2,304 $2,294
State Farm $2,086 $2,086
USAA $2,108 $2,110

Cheap Monument, Colorado 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 Monument, Colorado compared to the annual auto insurance rates with a clean record in Monument, Colorado.

Annual Monument, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,692 $5,408 $6,634 $5,327
American Family $2,758 $3,912 $5,122 $3,128
Farmers $4,536 $5,839 $5,762 $5,349
GEICO $2,301 $3,602 $4,193 $3,005
Liberty Mutual $2,559 $2,998 $3,094 $3,010
Nationwide $2,909 $3,968 $5,028 $3,199
Progressive $3,758 $5,287 $3,967 $4,383
State Farm $3,389 $3,967 $3,678 $3,678
USAA $2,416 $2,950 $5,145 $2,723

Cheap Monument, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Monument, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,634
American Family $5,122
Farmers $5,762
GEICO $4,193
Liberty Mutual $3,094
Nationwide $5,028
Progressive $3,967
State Farm $3,678
USAA $5,145

Cheap Monument, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Monument, Colorado

Insurance Company Poor Fair Good
Allstate $7,030 $5,424 $4,092
American Family $4,846 $3,450 $2,895
Farmers $6,254 $5,057 $4,803
GEICO $3,940 $3,275 $2,611
Liberty Mutual $4,156 $2,557 $2,032
Nationwide $4,562 $3,616 $3,149
Progressive $4,948 $4,223 $3,876
State Farm $5,100 $3,284 $2,650
USAA $4,890 $2,795 $2,242

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Cheap Monument, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Monument, Colorado

ZIP Code Average Annual Rates
80132 $3,684

Cheap Monument, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Monument, Colorado auto insurance. Find the cheapest annual Monument, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Monument, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,515 $5,515
American Family $3,650 $3,811
Farmers $5,371 $5,371
GEICO $3,207 $3,344
Liberty Mutual $2,915 $2,915
Nationwide $3,776 $3,776
Progressive $4,349 $4,349
State Farm $3,587 $3,769
USAA $3,215 $3,403

Cheap Monument, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Monument, Colorado

Insurance Company Low Medium High
Allstate $5,218 $5,497 $5,831
American Family $3,533 $3,807 $3,851
Farmers $4,622 $5,283 $6,209
GEICO $2,923 $3,212 $3,690
Liberty Mutual $2,720 $2,903 $3,123
Nationwide $3,753 $3,778 $3,796
Progressive $3,990 $4,363 $4,694
State Farm $3,422 $3,679 $3,934
USAA $3,155 $3,309 $3,462

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Best By Category: Cheapest Auto Insurance in Monument, Colorado

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

Best Annual Auto Insurance Rates by Company in Monument, Colorado

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

The Cheapest Monument, Colorado Auto Insurance Companies

What auto insurance companies in Monument, Colorado are the cheapest? Compare the top Monument, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Monument, Colorado

Insurance Company Average Annual Rates
Allstate $5,515
American Family $3,730
Farmers $5,371
GEICO $3,275
Liberty Mutual $2,915
Nationwide $3,776
Progressive $4,349
State Farm $3,678
USAA $3,309

What affects auto insurance rates in Monument, Colorado?

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

Monument Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Monument, Colorado commute length is 30.4 minutes according to City-Data.

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Compare Monument, Colorado Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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