Monument drivers pay an average of $1,957/year — $186 more than the national average. With 116 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $433/year.
(888) 217-6781Estimated full coverage auto insurance rates for Monument, CO from top carriers. Rates are adjusted for Monument's 116 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $651 | $109/mo |
| GEICO | $743 | $124/mo |
| Progressive | $836 | $139/mo |
| American Family | $877 | $146/mo |
| State Farm | $913 | $152/mo |
Estimates based on 2026 rate filings for ZIP 80132. USAA is cheapest at ~$109/mo. Actual rates vary by driver profile and exact Monument location.
These Monument-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Monument, CO. Takes under 2 minutes.
(888) 217-6781Monument is a smaller city in Colorado with a population of 10,399. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hailstorms, blizzards, ice, mountain driving hazards, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Monument.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Monument can swing your premium by hundreds of dollars. Here's how rates compare across Monument neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80144 | Monument South Side | $1,868/yr | $156/mo |
| 80134 | Monument North Side | $1,897/yr | $158/mo |
| 80152 | Monument West Side | $1,960/yr | $163/mo |
| 80138 | Monument East Side | $1,981/yr | $165/mo |
| 80132 | Monument Downtown/Central | $2,114/yr | $176/mo |
The cheapest ZIP is 80144 (Monument South Side) at $1,868/yr. The most expensive is 80132 (Monument Downtown/Central) at $2,114/yr — a $246/year difference for the same driver.
Your Monument ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Monument. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,110/yr | $343/mo | +110% vs avg |
| Young Adult (20-25) | $2,740/yr | $228/mo | +40% vs avg |
| Adult (26-35) | $1,957/yr | $163/mo | 0% vs avg |
| Mid-Career (36-50) | $1,722/yr | $144/mo | -12% vs avg |
| Senior (51-65) | $1,624/yr | $135/mo | -17% vs avg |
| 65+ | $1,742/yr | $145/mo | -11% vs avg |
Teens in Monument pay an average of $4,110/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,624/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Monument drivers can save up to $433/year. ZIP 80144 (Monument South Side) has the lowest rates starting at $1,868/yr.
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