Monroe, GA Auto Insurance (2024)
The average Monroe, GA auto insurance rates are $446 per month. The minimum auto insurance in Monroe is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Monroe, Georgia, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Monroe, Georgia is 25/50/25
- The cheapest auto insurance company in Monroe is USAA
- The most expensive auto insurance company in Monroe for teen drivers is Liberty Mutual
Monroe, Georgia auto insurance requirements are 25/50/25 according to Georgia 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, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Monroe to other Georgia cities, including Roswell auto insurance rates, Warner Robins auto insurance rates, and Sandy Springs auto insurance rates to see how Monroe, Georgia auto insurance rates stack up.
Before you buy Monroe, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Monroe, Georgia auto insurance quotes.
Minimum Auto Insurance in Monroe, Georgia
Monroe, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Monroe, Georgia.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Monroe, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Monroe, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,228 | $3,228 | $3,095 | $3,095 | $7,644 | $9,843 | $3,615 | $3,947 |
| Geico | $2,156 | $2,134 | $2,095 | $2,095 | $6,738 | $8,061 | $2,789 | $3,103 |
| Liberty Mutual | $5,451 | $5,931 | $4,456 | $5,057 | $23,465 | $26,200 | $5,779 | $6,146 |
| Nationwide | $3,753 | $3,883 | $3,716 | $4,089 | $11,658 | $15,019 | $4,577 | $4,968 |
| Progressive | $3,077 | $2,826 | $2,650 | $2,789 | $9,870 | $10,928 | $3,561 | $3,729 |
| State Farm | $2,464 | $2,464 | $2,215 | $2,215 | $6,625 | $8,698 | $2,706 | $2,925 |
| USAA | $1,998 | $1,991 | $1,862 | $1,860 | $7,399 | $8,765 | $2,493 | $2,747 |
Cheap Monroe, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Monroe, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Monroe, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,644 | $9,843 |
| Geico | $6,738 | $8,061 |
| Liberty Mutual | $23,465 | $26,200 |
| Nationwide | $11,658 | $15,019 |
| Progressive | $9,870 | $10,928 |
| State Farm | $6,625 | $8,698 |
| USAA | $7,399 | $8,765 |
Cheap Monroe, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Monroe, Georgia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,095 | $3,095 |
| Geico | $2,095 | $2,095 |
| Liberty Mutual | $4,456 | $5,057 |
| Nationwide | $3,716 | $4,089 |
| Progressive | $2,650 | $2,789 |
| State Farm | $2,215 | $2,215 |
| USAA | $1,862 | $1,860 |
Cheap Monroe, Georgia 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, Georgia compared to the annual auto insurance rates with a clean record in Monroe, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,857 | $6,018 | $4,907 | $4,066 |
| Geico | $2,392 | $2,984 | $6,448 | $2,761 |
| Liberty Mutual | $7,824 | $10,700 | $12,299 | $10,420 |
| Nationwide | $4,970 | $5,835 | $8,999 | $6,027 |
| Progressive | $3,847 | $6,835 | $4,554 | $4,479 |
| State Farm | $3,448 | $4,130 | $3,789 | $3,789 |
| USAA | $2,774 | $3,522 | $5,166 | $3,096 |
Cheap Monroe, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Monroe, Georgia is not easy. Compare the annual rates for DUI auto insurance in Monroe, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,907 |
| Geico | $6,448 |
| Liberty Mutual | $12,299 |
| Nationwide | $8,999 |
| Progressive | $4,554 |
| State Farm | $3,789 |
| USAA | $5,166 |
Cheap Monroe, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Monroe, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,100 | $4,248 | $3,787 |
| Geico | $4,768 | $3,117 | $3,054 |
| Liberty Mutual | $14,760 | $9,067 | $7,104 |
| Nationwide | $7,682 | $6,232 | $5,459 |
| Progressive | $5,536 | $4,800 | $4,450 |
| State Farm | $5,369 | $3,346 | $2,652 |
| USAA | $4,732 | $3,336 | $2,850 |
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Cheap Monroe, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Monroe, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Monroe, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 30655 | $5,217 |
| 30656 | $5,154 |
Cheap Monroe, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Monroe, Georgia auto insurance. Find the cheapest annual Monroe, Georgia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,604 | $4,820 |
| Geico | $3,587 | $3,706 |
| Liberty Mutual | $10,311 | $10,311 |
| Nationwide | $6,458 | $6,458 |
| Progressive | $4,929 | $4,929 |
| State Farm | $3,789 | $3,789 |
| USAA | $3,473 | $3,806 |
Cheap Monroe, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Monroe, Georgia? Check out the comparison of annual Monroe, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,365 | $4,759 | $5,012 |
| Geico | $3,364 | $3,666 | $3,909 |
| Liberty Mutual | $9,889 | $10,257 | $10,786 |
| Nationwide | $6,262 | $6,580 | $6,532 |
| Progressive | $4,522 | $4,851 | $5,414 |
| State Farm | $3,537 | $3,792 | $4,038 |
| USAA | $3,484 | $3,623 | $3,811 |
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Best By Category: Cheapest Auto Insurance in Monroe, Georgia
Compare the cheapest auto insurance companies in Monroe, Georgia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Monroe, Georgia Auto Insurance Companies
What auto insurance companies in Monroe, Georgia are the cheapest? Compare the top Monroe, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,712 |
| Geico | $3,646 |
| Liberty Mutual | $10,311 |
| Nationwide | $6,458 |
| Progressive | $4,929 |
| State Farm | $3,789 |
| USAA | $3,639 |
What affects auto insurance rates in Monroe, Georgia?
There are a lot of reasons why auto insurance rates in Monroe, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Monroe, Georgia. 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, Georgia commute length is 25.5 minutes according to City-Data.
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Compare Monroe, Georgia Auto Insurance Quotes
Before you buy Monroe, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Monroe, Georgia auto insurance quotes.
Frequently Asked Questions
What is liability insurance?
Liability insurance covers the costs associated with injuries or property damage caused by you in an accident. It typically includes bodily injury liability, which pays for medical expenses and lost wages of the other party, and property damage liability, which covers the repair or replacement costs for the other person’s vehicle or property.
What are the minimum liability insurance requirements in Monroe, GA?
The minimum liability insurance requirements in Monroe, GA are as follows: $25,000 for injury or death to one person, $50,000 for injury or death to multiple people, and $25,000 for property damage. These are the minimum limits, but it’s often recommended to consider higher coverage amounts for better protection.
What other types of auto insurance coverage are available?
In addition to liability insurance, there are various other types of auto insurance coverage available, including:
- Collision coverage: Pays for damages to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive coverage: Covers damages to your vehicle caused by non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical payments coverage: Pays for medical expenses for you and your passengers regardless of fault in an accident.
- Personal injury protection (PIP): Similar to medical payments coverage, PIP covers medical expenses, lost wages, and other related costs.
How are auto insurance premiums determined in Monroe, GA?
Auto insurance premiums in Monroe, GA are determined based on various factors, including but not limited to:
- Your driving record and claims history
- Your age, gender, and marital status
- The make, model, and age of your vehicle
- Your credit history
- The coverage types and limits you choose
- Your deductible amount
- The average annual mileage you drive
- The area where you live (including Monroe’s specific risk factors)
Are there any discounts available for auto insurance in Monroe, GA?
Yes, many insurance companies offer discounts on auto insurance policies. Some common discounts include:
- Safe driver discounts for maintaining a clean driving record
- Multi-policy discounts when you bundle your auto insurance with other policies, such as homeowners insurance
- Good student discounts for students who maintain a certain GPA
- Anti-theft device discounts for vehicles equipped with theft deterrent systems
Can I use my personal auto insurance for business purposes in Monroe, GA?
Generally, personal auto insurance policies do not provide coverage for vehicles used for business purposes in Monroe, GA. If you use your vehicle for business activities such as deliveries, transportation of goods, or ridesharing, you may need a commercial auto insurance policy to ensure adequate coverage.
Can my auto insurance policy be canceled or non-renewed in Monroe, GA?
Yes, auto insurance policies can be canceled or non-renewed in Monroe, GA, under certain circumstances. Insurance companies may choose to cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a high number of at-fault accidents. Non-renewal can occur when the insurance company decides not to renew the policy at the end of its term. It’s essential to maintain a good driving record and fulfill premium payment obligations to avoid policy cancellation or non-renewal.
Can I get auto insurance with a suspended license in Monroe, GA?
It can be challenging to obtain auto insurance with a suspended license in Monroe, GA. Most insurance companies require a valid driver’s license to provide coverage. However, if you have a suspended license due to non-driving-related reasons, such as a lapse in insurance coverage, you may still be able to obtain an insurance policy. It’s best to contact insurance providers directly to discuss your specific situation and explore available options.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.