For a 40-year-old driver with a clean record, Monroe car insurance averages about $293 a month ($3,516 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% below the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Monroe table, at about $122 a month.
Monroe has the lowest car insurance prices of the 15 Michigan cities we publish guides for, just below Clinton and Ann Arbor: our benchmark driver pays about $61 a month less than the Michigan average.
Our data uses Monroe’s two ZIP codes, 48161 and 48162, and 48162 runs about $7 a month higher than 48161, so compare auto insurance quotes in Monroe, MI, by insurer more than by address.
Cost data comes from the auto rates insurers file with state regulators, priced across both Monroe ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Monroe averages $3,516 a year, or about $293 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $997 a year ($83 a month), and 50/100/50 liability with comprehensive and collision averages $3,422 ($285 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $553 a month is 2.4 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Monroe average would be about $228 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Auto-Owners and Farm Bureau are effectively tied for the lowest average among these five insurers, at about $66 and $67 a month.
Full-coverage averages by insurer in Monroe
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $975 | $81 | $1,855 | $155 |
| Auto-Owners | $796 | $66 | $2,734 | $228 |
| Farm Bureau Insurance of Michigan | $807 | $67 | $3,140 | $262 |
| State Farm | $1,575 | $131 | $3,219 | $268 |
| Hanover | $833 | $69 | $6,632 | $553 |
| AAA Auto Club (Nov. 2025 rates)* | $2,208 | $184 | $4,038 | $337 |
| USAA (military families)* | $444 | $37 | $1,342 | $112 |
| GEICO* | $680 | $57 | $1,465 | $122 |
| Travelers* | $500 | $42 | $1,785 | $149 |
| Monroe average | $997 | $83 | $3,516 | $293 |
This table uses Monroe ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $94 a year on average in our Monroe data, with the same $500 deductibles. That’s about $8 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Monroe ZIP codes, their full-coverage average fell from $3,796 a year nine months earlier to $3,610 in rates as of Aug. 31, 2026, a 4.9% drop. Hanover’s Monroe average fell 6.4%, Progressive’s 5.3%, State Farm’s 5.2% and Auto-Owners’ 0.6%. Leaving Hanover out, the other three insurers in both sets of rates averaged 3.6% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Monroe average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 15.3%, led by Hanover, which cut its liability-only average 45.3%.
Monroe County averages about $289 a month for full coverage in our data, the seventh-least expensive of the 70 Michigan counties we price. Dundee and Petersburg, to the west, average about $275 and $279 a month.
Monroe sits about 35 miles southwest of Detroit, but its prices look nothing like the city’s: the Monroe average is about $372 a month below Detroit’s. Prices depend on where in Michigan you live, not just on your car and driving record, because insurers can rate by territory.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Temperance and Lambertville, near the Ohio line, average about $291 and $284 a month in our data. Ann Arbor, about 30 miles northwest, averages $295, and Clinton, about 30 miles west, $294.
Drivers in Monroe follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Monroe averages about $293 a month ($3,516 a year) and liability-only coverage at 20/40/10 limits about $83 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% below the Michigan average of $354 a month. Without Hanover, the Monroe average is about $228 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Monroe table, at about $122 a month, followed by Travelers at $149. USAA, which sells only to military families, is lower still, at about $112 a month. Among the five major insurers we compared, full-coverage averages run from about $155 to $553 a month. Progressive’s Monroe average is 32% below Auto-Owners’ ($228), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Auto-Owners and Farm Bureau are effectively tied for the lowest average among the five major insurers we compared. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
By Michigan standards, yes. In our data, Monroe full coverage averages about $293 a month, 17% below the state average and the lowest of the 15 Michigan cities we publish guides for.
In our data, 48161 averages about $290 a month for full coverage and 48162 about $297, for the same driver and car.
In our Monroe data, full coverage (100/300/100 with $500 deductibles) averages about $293 a month and liability-only coverage at 20/40/10 limits about $83, a difference of about $210 a month ($2,519 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Monroe must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Monroe full-coverage average fell 4.9%, from about $3,796 to $3,610 a year. That’s higher than the Monroe average of $3,516 because it leaves out Farm Bureau. Hanover cut its Monroe average 6.4%, Progressive 5.3%, State Farm 5.2% and Auto-Owners 0.6%. Liability-only coverage at 20/40/10 limits fell 15.3%.
For our benchmark driver, full coverage in Monroe averages about $293 a month. Nearby, Ann Arbor averages about $295, Westland about $376 and Clinton about $294. Monroe is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
