Cheapest Car Insurance Quotes in Millbrook

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Millbrook Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Millbrook

The car insurance rate in Millbrook is $917 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $495, making it a popular choice for budget-conscious drivers. Rates in Millbrook can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Millbrook

$917

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Millbrook

1st place: AutoOwners Insurance Co

At $495 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $646 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $699 for six months, making it the third cheapest auto insurance company in Millbrook.

Millbrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Millbrook, AL is AutoOwners Insurance Co, offering policies at just $495 for a six-month term. This is followed by State Farm, which has an average six-month premium of $646.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1962 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Millbrook drivers find the best deals.

Cheap Car Insurance Companies in Millbrook, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$495	$82
State Farm	$646	$109
Travelers	$699	$118
Country Financial	$716	$121
Cincinnati	$739	$124
USAA	$762	$128
Auto-Owners	$815	$137
Nationwide	$1030	$175
Allstate	$1048	$176
Progressive	$1182	$199
Farmers	$1962	$327

Key Takeaways

Way's key takeaways about car insurance in Millbrook

The auto insurance costs in Millbrook fall around $495 for six months.
The cheapest auto insurance company in Millbrook is Cincinnati.
Teen drivers pay the highest rate in Millbrook at $1146 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Millbrook

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Millbrook are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Millbrook. Their Average 6 Month Premium is $128. Farmers is the most expensive at $745 for the same period.

Cheapest Liability Coverage in Millbrook, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$128	$22
Mercury	$140	$24
Country Financial	$216	$36
Auto-Owners Insurance Co	$221	$37
USAA	$221	$37
State Farm	$227	$38
Travelers	$244	$41
Auto-Owners	$279	$47
Progressive	$396	$67
Nationwide	$419	$70
Allstate	$460	$77
Farmers	$745	$124

Cheapest Full Coverage Car Insurance in Millbrook

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Millbrook is AutoOwners Insurance Co at $82 per month and $495 for six months.

Cheapest Full Coverage Car Insurance Quotes in Millbrook, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$495	$82
State Farm	$646	$109
Travelers	$699	$118
Country Financial	$716	$121
Cincinnati	$739	$124
USAA	$762	$128
Auto-Owners	$815	$137
Nationwide	$1030	$175
Allstate	$1048	$176
Progressive	$1182	$199
Farmers	$1962	$327

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Average Car Insurance in Millbrook by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Millbrook, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Millbrook, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Millbrook's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Millbrook

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Millbrook,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Millbrook at $24 per month. At $6805 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$24
Country Financial	$221	$37
Travelers	$1368	$230
USAA	$1659	$279
State Farm	$1729	$291
Auto-Owners	$2637	$449
Allstate	$3406	$573
Nationwide	$4144	$705
Progressive	$5967	$1005
Farmers	$6805	$1146

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Millbrook, Cincinnati is the cheapest car insurance provider. At $180 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Millbrook is Farmers, offering rates of around $3172 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$180	$30
Country Financial	$309	$53
Nationwide	$419	$70
Travelers	$879	$148
USAA	$1054	$175
Progressive	$1257	$212
Allstate	$1990	$332
State Farm	$2287	$389
Auto-Owners	$2526	$421
Farmers	$3172	$539

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Car Insurance Rates with An Accident in Millbrook

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Millbrook, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Millbrook

The cheapest car insurance companies after an at-fault accident in Millbrook include Cincinnati and AutoOwners Insurance Co, offering $198 and $309, respectively. Farmers is an expensive provider with an average six-month premium of $2719.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$198	$33
Auto-Owners Insurance Co	$309	$53
Country Financial	$309	$52
Safeway	$384	$65
Travelers	$559	$94
State Farm	$623	$105
USAA	$774	$130
Auto-Owners	$826	$139
Allstate	$1310	$221
Progressive	$1903	$320
Nationwide	$1950	$325
Farmers	$2719	$463

Millbrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Millbrook AL. For example, the car insurance in Millbrook after a DUI increases to $791 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Millbrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$955	$159
One Med/PIP claim	$955	$163
One comp claim	$984	$164
Two Med/PIP claims	$984	$168
Not-at-fault accident	$990	$165
Two comp claims	$1036	$176
Driving without lights	$1135	$189
Failure to wear a seat belt	$1147	$195
Failure to show documents	$1152	$192
Child safety restraint	$1158	$197
Cell phone violation	$1176	$196
Driving with expired registration	$1176	$200
Driving too slowly	$1182	$197
Speeding 6 - 10 MPH over limit	$1182	$201
Speeding in school zone	$1182	$197
Texting while driving	$1182	$201
Speeding 11 - 15 MPH over limit	$1194	$199
Wrong way/wrong lane	$1194	$203
Failure to yield	$1200	$200
Following too closely	$1200	$204
Illegal turn	$1200	$200
Speeding 16 - 20 MPH over limit	$1200	$204
Failure to stop at a red light	$1205	$201
Improper passing	$1205	$205
Passing school bus	$1246	$208
Speeding 21 - 25 MPH over limit	$1251	$213
At-fault accident - less than $1000	$1263	$211
In 65 MPH zone	$1281	$218
At-fault accident - $1000-$2000	$1380	$230
Operating a vehicle without permission	$1408	$239
At-fault accident - greater than $2000	$1420	$237
Open container	$1449	$246
Reckless driving	$1606	$268
Driving with a suspended license	$1677	$285
Racing	$1699	$283
Refusal to submit to a chemical test	$1711	$291
DUI	$1746	$291
Leaving scene of an accident/hit and run	$1816	$309

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Millbrook after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Millbrook.

The cheapest car insurance premiums in Millbrook are offered by Cincinnati at $268 for a six-month policy. However, it can be as expensive as $2614 with companies like Farmers.

Millbrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$268	$45
Country Financial	$361	$61
Travelers	$687	$116
State Farm	$1030	$173
USAA	$1152	$194
Allstate	$1216	$205
Progressive	$1222	$206
Auto-Owners	$1548	$261
Nationwide	$2602	$434
Farmers	$2614	$444

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Millbrook are offered by Cincinnati at $134. However, it can be as expensive as $2509 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Millbrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$23
Country Financial	$192	$32
Auto-Owners Insurance Co	$256	$43
State Farm	$431	$73
Travelers	$663	$112
USAA	$705	$120
Auto-Owners	$856	$143
Allstate	$1287	$219
Progressive	$1782	$297
Farmers	$2509	$426

Car Insurance Price Trends in Millbrook, Alabama

Car insurance rates in Millbrook have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Millbrook rose by $194 in December compared to $191 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Millbrook rose to $49 in December, compared to $48 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Millbrook?

The car insurance in Millbrook is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Millbrook?

The cheapest car insurance in Millbrook is $82 per month for full coverage.

How much is car insurance in Millbrook for teenagers?

Car insurance for teenagers costs $140 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Millbrook?

The average cost of car insurance is $936 for a six-month policy. It will cost around $154 per month to insure your car in Millbrook.

Is car insurance expensive in Millbrook?

Car insurance can be expensive in Millbrook if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Millbrook can be affordable.

Cheapest Car Insurance Quotes in Millbrook

Why you can trust Way?

How Much Is Car Insurance in Millbrook

Avg. Car Insurance in Millbrook

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Millbrook

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Millbrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Millbrook, AL

Way's key takeaways about car insurance in Millbrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Millbrook

Cheapest Liability Coverage in Millbrook, AL

Cheapest Full Coverage Car Insurance in Millbrook

Cheapest Full Coverage Car Insurance Quotes in Millbrook, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Millbrook by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Millbrook, AL increasing?

Car Insurance Premiums by Age in Millbrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Millbrook,AL

If you are in your twenties N/A is the best choice for car insurance in Millbrook.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Millbrook

Cheapest Car Insurance Companies after an At-Fault Accident in Millbrook

Millbrook Car Insurance Rates by Violation

Millbrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Millbrook after a DUI

Millbrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Millbrook after Speeding ticket

Car Insurance Price Trends in Millbrook, Alabama

Average Car Insurance Cost in Millbrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Millbrook, AL

Car Insurance Rates by State in the USA (2025 Update)

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