Car Insurance in Monroe, LA
Finding the protection you deserve while on the road is as easy as comparing quotes for car insurance in Monroe, LA.
Anytime you get on the road in Monroe, you put yourself at risk. While this is a concern, it shouldn't stop you from enjoying all there is in this great city. Start your day at the Louisiana Purchase Gardens & Zoo, followed by spending time at the Ouachita River. Visit the Biedenharn Museum or the Masur Museum of Art. Regardless of the sights you take in, be sure you review coverage on your policy for car insurance in Monroe, LA, before you head out.
While it doesn't have the highest rate of car crashes, Monroe sees enough accidents that you need proper insurance and to learn defensive driving skills. In 2020 and 2021, there were a total of 58 individuals involved in 27 fatal car accidents. As a result, 28 people were killed. In a city with a population of 46,820. that is 28 too many that could have been saved with more cautious driving.
It's also important to pay attention to the weather in Monroe. If you're headed out during June, you will notice more moisture on the roads than at other times of the year. If you're headed out in February, it will be overcast about 49% of the time. Different weather conditions pose different issues on the road, and safety is essential.
Monroe has a bus system with 10 routes. While this is convenient, you may not always have a stop nearby. On a rainy day, you could be stuck waiting for your ride. On a day when you're running late, you'll have to anxiously wait for the bus to make every stop before your destination.
To combat these issues, purchase a personal vehicle. In doing so, you will always have a reliable transportation option whether it's the middle of the night or the middle of the day. When you own a car, you'll also need car insurance in Monroe, LA. VIU by HUB pairs you with several options to look at side by side.
The cost of your car insurance policy will vary based on several factors. If you get the minimum required liability, you can expect to pay on average $72 per month. If you opt for full coverage, the monthly average jumps to $190.
Teenage drivers in Monroe pay $734 for a monthly average of full coverage and $258 for minimum liability. Those over age 70 pay a monthly average of $213 for full coverage and $70 for the required minimum.
Different policies for car insurance in Monroe, LA, cover different risks. Louisiana requires $15,000 per person for personal injury liability and $30,000 per accident. Drivers must also carry $25,000 for property damage liability.
Underinsured/uninsured motorist coverage is not required by the state. If you are in an accident caused by another driver who does not have adequate insurance coverage, this type of insurance covers your costs, so you should consider it. Collision is also not required, but it covers risks such as colliding with a power pole, a tree, a building or even another car. Comprehensive, personal injury protection and various other products should also be considered depending on your risk factors.
You have a lot to do, but you can't do it without protection from car insurance in Monroe, LA. Let VIU by HUB find some options so you can start comparing quotes today.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Louisiana Department of Insurance
