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Cheapest car insurance in Monahans, Texas (Nov 2024)
Cheapest car insurance in Monahans, Texas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Monahans, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- Best car insurance companies in Monahans
- How to find the cheapest car insurance quotes in Monahans
- Best cheap car insurance quotes in Monahans
- Average cost of car insurance in Monahans
- Car insurance quotes in Monahans by rating factors
- How do different factors impact your car insurance costs in Monahans?
- Cheap car insurance quotes in Monahans after driving violations
- Cheap car insurance quotes in Monahans by age
- Cheap car insurance quotes in Monahans based on insurance history
- Cheap car insurance quotes in Monahans for drivers with poor credit
- Cheap car insurance quotes in Monahans for popular cars
- How to lower car insurance costs in Monahans
- FAQ
- Methodology
- Meet our experts
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Best car insurance companies in Monahans
No single car insurance company is the right fit for every driver.
Car insurance quotes
are highly individualized and tailored to your specific driver profile—so the most affordable company differs for everyone. To help drivers find the best coverage at a cost-effective rate, Jerry experts conducted one of the largest consumer surveys in the nation, interviewing over 18,000 policyholders about their experience with their current insurer.
Some larger carriers—such as Allstate and State Farm in Monahans, TX—received average overall scores. But several smaller insurers, including Mercury Auto and Anchor General, came out with some of the highest ratings.
Check out the table below to see how real policyholders rated their insurance company, and the average cost of car insurance with each provider.
Insurance company | Overall rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
4.3 | $1,122 | $713 | |
4.1 | $1,344 | $264 | |
4.5 | $1,497 | $545 | |
3.9 | $1,559 | $556 | |
Direct Auto | 4.0 | $1,925 | $882 |
Mercury Auto
Mercury Auto
- Overall Jerry rating in Monahans: 3.9
- AM Best financial strength: A (Excellent)
- NAIC complaint index (January 2023): Slightly more than expected
Mercury Auto’s customer service portal and simplified claims process help drivers across several states manage their policies at the click of a button. And with features like Guaranteed Repairs, drivers can be sure their vehicle repairs are handled when different situations arise.
Real 5-star customer review: “I had contacted Mercury to see if I could get a rental if I had my car worked on and they promptly responded that they only provide rental if it is a claim based request. This is the best price I've had on car insurance since I've had my car for the last 2 years and I've had many carriers. Highly recommend.” (Rachel W., TX)
Read More
Allstate
Allstate
- Overall Jerry rating in Monahans: 4.1
- AM Best financial strength: A+ (Superior)
- NAIC complaint index (June 2023): Much more than expected
Allstate is one of the more popular options for car insurance. With a slew of discounts and a wide range of coverage options and coverage limits, Allstate customers benefit from robust service and high financial stability rankings.
Real 5-star customer review: “Allstate has great rates, and I always feel like the representatives know me personally everytime I call. 10/10 recommendation.” (Lonnie G., TX)
Read More
Safeco
Safeco
- Overall Jerry rating in Monahans: 4.5
- AM Best financial strength: A (Excellent)
- NAIC complaint index (June 2023): Higher than average
Drivers with violations may find the best deals with Safeco. This provider offers features such as Accident Forgiveness, Claims-Free Cash Back, and Diminishing Deductibles for those who maintain a clean record—and they can even help you build safe driving habits with the RightTrack telematics program.
Real 5-star customer review: “Safeco offered a much lower rate than my previous insurer, so I made the switch!” (Major N., TX)
Read More
State Farm
State Farm
- Overall Jerry rating in Monahans: 3.9
- AM Best financial strength: A++ (Superior)
- NAIC complaint index (September 2023): Slightly more than expected
State Farm in Monahans is one of the top insurance choices for most drivers. With a wide network of local insurance agents, digital policy management, and several discounts for an array of driver profiles, car insurance is made easy—and affordable—with State Farm in Monahans, Texas.
Real 5-star customer review: “I've been paying for car insurance on my onw for quite some time now and State Farm was able to give me the coverage I've had at a MUCH better price. Nothing but good things to say.” (Karin H., TX)
Read More
Direct Auto
Direct Auto
- Overall rating in Monahans: 4.0
- AM Best financial strength: A+ (Superior)
- NAIC complaint index (January 2023): Higher than expected
Military drivers, seniors, and students would benefit the most from Direct Auto. With military, elder driver, driver education, and good student discounts, drivers can save anywhere between 5% and 25% on their car insurance premiums.
Real 5-star customer review: “Any questions I have I can call and get an answer promptly! I have not had any issues thus far and have recommended this company to all my friends and family who also decided to join after I explained all the benefits that comes with it.” (Michaeli M., TX)
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance quotes in Monahans
In Monahans, the average
auto insurance
policy costs about $89 per month for minimum coverage liability insurance, and about $188 per month for full coverage insurance. Monahans drivers pay -- than the Texas
average. Every month, thousands of savvy car insurance shoppers in Monahans, Texas use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Monahans customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $132 | Hester, 28 Zip: 79756 | GMC Yukon SLT | • State Minimum Liability |
| Travelers | $130 | Rosalie, 35 Zip: 79756 | Toyota Highlander LE | • State Minimum Liability • Comp / Collision |
Clearcover | $218 | Mildred, 38 Zip: 79756 | KIA Soul | • 25,000/50,000 Liability • Comp / Collision |
Electric | $258 | Brandon, 36 Zip: 79756 | Toyota Tundra Double Cab Sr/sr5 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Best cheap car insurance quotes in Monahans
Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Monahans—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Monahans
To hit the road legally, Monahans drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Jerry has helped Monahans drivers find affordable minimum liability coverage with no hassles.
Gainsco
Eva (28 years old)
CoverageState Minimum
Monahans, TX (Zip Code: 79756)
GMC Yukon SLT$147
per month
Do you need more than minimum coverage in Monahans?
Most drivers in Monahans need higher liability coverage than the 30/60/25 state minimum mandated by
Texas car insurance laws
. If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.
It’s important to note that
Texas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date! The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Monahans
Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage includes comprehensive and collision coverage:
- Collision coveragecovers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coveragepays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Jerry has helped drivers in Monahans and beyond find full coverage quotes that won’t break the bank.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $186 | Alan, 38 Zip: 79756 | KIA Soul |
• State Minimum Liability • Comp / Collision | Travelers | $130 | Rosalie, 35 Zip: 79756 | Toyota Highlander LE |
• State Minimum Liability • Comp / Collision | Electric | $258 | Brandon, 36 Zip: 79756 | Toyota Tundra Double Cab Sr/sr5 |
Last Updated Nov 24, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Monahans
After analyzing scores of insurance providers in Monahans, we have discovered that the average price for minimum liability coverage amounts to be $89 per month or $1,066 per year. Additionally, residents of Monahans can expect to pay an average of $188 per month or $2,255 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Monahans by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Monahans?
How do different factors impact your car insurance costs in Monahans?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Monahans:
Cheap car insurance quotes in Monahans after driving violations
Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Monahans after speeding ticket
In Monahans, a speeding ticket could increase your car insurance rate by about --. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
Last Updated Nov 18, 2024 Cheapest car insurance in Monahans after DUI
A
DUI
in Monahans is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates
. Jerry has assisted many Monahans drivers with finding affordable rates after a DUI.
Genevieve (45 years old)
$70
per month
Cheapest car insurance in Monahans after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $287 | Jeff, 35 Zip: 79756 | Toyota Tundra Double Cab Sr/sr5 | • State Minimum Liability • Comp / Collision |
Not At Fault | National General | $182 | Jack, 57 Zip: 79756 | Jeep Compass Latitude | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $287 | Lily, 35 Zip: 79756 | Toyota Tundra Double Cab Sr/sr5 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Monahans after other driving violations
Speeding tickets, DUIs,
reckless driving
, and suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Monahans.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Improper Passing | Progressive | $71 | Callie, 60 Zip: 79756 | Chevrolet Silverado C2500 Heavy Duty | • State Minimum Liability |
Last Updated Nov 24, 2024Cheap car insurance quotes in Monahans by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Monahans for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Monahans. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents. Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
Bryan (20 years old)
$172
per month
Cheapest car insurance in Monahans for senior drivers
Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
Shane (71 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Monahans, TX (Zip Code: 79756)
$67
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Monahans based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Adrian (27 years old)
$108
per month
Gainsco
Cameron (56 years old)
$88
per month
Clearcover
Carl (57 years old)
$183
per month
Cheap car insurance quotes in Monahans for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:
| Credit range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
660 - 750 | Assurance America | $189 | Virginia, 36 Zip: 79756 | Mitsubishi Outlander Sport ES | • State Minimum Liability • Comp / Collision |
660 - 750 | Assurance America | $189 | Daisy, 36 Zip: 79756 | Mitsubishi Outlander Sport ES | • State Minimum Liability • Comp / Collision |
550 - 659 | Progressive | $108 | Don, 27 Zip: 79756 | Hyundai Venue SEL | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $88 | Jason, 56 Zip: 79756 | Honda Civic LX | • State Minimum Liability |
Last Updated Nov 24, 2024Cheap car insurance quotes in Monahans for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Monahans. Every model has a unique cost of repair, set of safety features, and rate of theft.
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Honda Civic LX | Gainsco | $88 | Martha, 56 Zip: 79756 | • State Minimum Liability |
Last Updated Nov 24, 2024How to lower car insurance costs in Monahans
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Monahans?
People living in Monahans pay on average $89 per month – or $1,066 per year – on state-minimum liability coverage. Full coverage in Monahans costs on average $188 per month or $2,255 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Monahans?
Based on thousands of Monahans drivers Jerry has worked with, car insurance in Monahans costs an average of $89 per month for state-minimum coverage and $188 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Monahans, Texas?
The state-minimum car insurance in Monahans, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
What is the best car insurance in Monahans?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica and Direct Auto receive good ratings from Monahans drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.