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Finding the cheapest car insurance quotes in Milldale shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Milldale
The car insurance rate in Milldale is $1717 for a six-month policy, which is $286 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $877, making it a popular choice for budget-conscious drivers. Rates in Milldale 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.
At $877 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $905 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $1062
for six months, making it
the third cheapest auto insurance company in Milldale.
Milldale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Milldale, CT is Kemper, offering policies at just $877 for a six-month term. This is followed by Travelers, which has an average six-month premium of $905.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $4027 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milldale drivers find the best deals.
Way's key takeaways about car insurance in Milldale
The auto insurance costs in Milldale fall around $877 for six
months.
The cheapest auto insurance company in Milldale is USAA.
Teen drivers pay the highest rate in Milldale at $1691 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Milldale
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 Milldale are given below.
USAA provides
the cheapest minimum car insurance
coverage in Milldale. Their Average 6 Month Premium is $371.
Farmers is the most
expensive at $1162 for the same
period.
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 Milldale is Kemper
at $148 per month and $877
for six months.
Cheapest Full Coverage Car Insurance Quotes in Milldale,
CT
Get Your Car Insurance Quote in Milldale
Instantly!
Average Car Insurance in Milldale 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 Milldale, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Milldale, Connecticut, may be increasing due to several external factors.
Connecticut has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Milldale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Milldale
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Milldale,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Milldale at $74
per
month. At $9943 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Milldale.
As young drivers face the highest rates in Milldale, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Milldale,
Kemper is
the cheapest car insurance provider. At $506 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
Milldale is Amica, offering
rates of around $5894 for six
months.
Save up to $971/yr on car insurance rates in Milldale.
Car Insurance Rates with An Accident in Milldale
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 Milldale, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Milldale
The cheapest car insurance companies after an at-fault accident in
Milldale include Amica Mutual
and Kemper, offering $620
and $649,
respectively. Hanover is an expensive provider
with an average six-month premium of
$7192.
Here is a list of driving violations that can increase your car
insurance rates in Milldale CT. For example, the car
insurance in Milldale
after a DUI increases to $2274 for a six
month policy. While the rate increases by $299 for a six-month policy in the case of
a speeding ticket.
Milldale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1454
$242
One Med/PIP claim
$1454
$247
Not-at-fault accident
$1504
$251
Two Med/PIP claims
$1511
$257
One comp claim
$1532
$256
Two comp claims
$1625
$276
Driving without lights
$1690
$282
Failure to wear a seat belt
$1711
$290
Child safety restraint
$1732
$289
Failure to show documents
$1739
$295
Speeding 6 - 10 MPH over limit
$1753
$293
Driving with expired registration
$1760
$299
Speeding 11 - 15 MPH over limit
$1760
$294
Speeding 16 - 20 MPH over limit
$1760
$299
Cell phone violation
$1768
$295
Texting while driving
$1768
$300
Driving too slowly
$1775
$296
Failure to stop at a red light
$1775
$301
Failure to yield
$1775
$296
Following too closely
$1775
$301
Illegal turn
$1775
$296
Improper passing
$1782
$304
Wrong way/wrong lane
$1782
$298
Speeding in school zone
$1789
$305
Speeding 21 - 25 MPH over limit
$1811
$301
At-fault accident - less than $1000
$1832
$312
In 65 MPH zone
$1903
$317
Operating a vehicle without permission
$1967
$335
Open container
$2075
$346
At-fault accident - $1000-$2000
$2274
$386
At-fault accident - greater than $2000
$2274
$379
Passing school bus
$2659
$452
Reckless driving
$3500
$583
Racing
$3607
$613
Driving with a suspended license
$3635
$606
Refusal to submit to a chemical test
$3664
$623
DUI
$3728
$622
Leaving scene of an accident/hit and run
$3792
$644
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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 Milldale 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 Milldale.
The cheapest car insurance premiums in
Milldale are
offered by Kemper at $791 for a six-month policy.
However, it can be as
expensive as $21120 with companies
like Hanover.
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 Milldale are offered by Kemper
at $499. However,
it can be as expensive as $5731
with companies like Hanover for a similar
six-month premium.
Cheapest Car Insurance in Milldale after Speeding ticket
Car Insurance Price Trends in Milldale,
Connecticut
Car insurance rates in Milldale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Milldale rose by
$396 in January
compared to $286 of December. In other words, there has been an increase by $110 when you
compare January and December.
The average cost of liability insurance in the Milldale dipped to $97 in January,
compared to $103 in December.
This represents an decrease of $6
when comparing January and December.
Average Car Insurance Cost in Milldale by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Milldale. At $3434 for a
six-month policy, insuring
your car at 6467 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Milldale?
The car insurance in Milldale is $64 per month, which is lower than the national average.
What is the cheapest car insurance in Milldale?
The cheapest car insurance in Milldale
is $148 per month
for full coverage.
How much is car insurance in Milldale for teenagers?
Car insurance for teenagers costs $442 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
Milldale?
The average cost of car insurance is $1431 for a six-month
policy. It will cost around $289 per month to insure your
car in Milldale.
Is car insurance expensive in Milldale?
Car insurance can be expensive in Milldale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Milldale can be
affordable.
What is the best car insurance in Milldale,
CT?
The best car insurance company in Milldale
CT is
Kemper, offering $877 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Milldale, CT
Car Insurance Rates by State in the USA (2025 Update)
Milldale Car Insurance
