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Finding the cheapest car insurance quotes in Milton 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 Milton
The car insurance rate in Milton is $1146 for a six-month policy, which is $218 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $679, making it a popular choice for budget-conscious drivers. Rates in Milton 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 $679 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $869 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $898
for six months, making it
the third cheapest auto insurance company in Milton.
Milton Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Milton, DE is Travelers, offering policies at just $679 for a six-month term. This is followed by USAA, which has an average six-month premium of $869.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2006 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milton drivers find the best deals.
The auto insurance costs in Milton fall around $679 for six
months.
The cheapest auto insurance company in Milton is Travelers.
Teen drivers pay the highest rate in Milton at $1385 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Milton
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 Milton are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Milton. Their Average 6 Month Premium is $265.
Encompass is the most
expensive at $494 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 Milton is Travelers
at $114 per month and $679
for six months.
Cheapest Full Coverage Car Insurance Quotes in Milton,
DE
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 Milton, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Milton, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Milton's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Milton
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
Milton,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Milton at $318
per
month. At $8313 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Milton.
As young drivers face the highest rates in Milton, 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 Milton,
Progressive is
the cheapest car insurance provider. At $1132 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
Milton is Sentry, offering
rates of around $4221 for six
months.
Save up to $971/yr on car insurance rates in Milton.
Car Insurance Rates with An Accident in Milton
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 Milton, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Milton
The cheapest car insurance companies after an at-fault accident in
Milton include USAA
and California Casualty, offering $619
and $654,
respectively. Sentry is an expensive provider
with an average six-month premium of
$5589.
Here is a list of driving violations that can increase your car
insurance rates in Milton DE. For example, the car
insurance in Milton
after a DUI increases to $918 for a six
month policy. While the rate increases by $234 for a six-month policy in the case of
a speeding ticket.
Milton auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1068
$178
One Med/PIP claim
$1068
$181
Two Med/PIP claims
$1093
$182
One comp claim
$1103
$187
Not-at-fault accident
$1123
$187
Two comp claims
$1132
$192
Failure to show documents
$1217
$203
Driving with expired registration
$1273
$217
Failure to wear a seat belt
$1273
$212
Child safety restraint
$1288
$219
Driving without lights
$1288
$214
Speeding 11 - 15 MPH over limit
$1302
$222
Speeding 6 - 10 MPH over limit
$1302
$217
Driving too slowly
$1312
$223
Speeding in school zone
$1312
$218
Cell phone violation
$1317
$224
Following too closely
$1317
$219
Speeding 16 - 20 MPH over limit
$1317
$224
Texting while driving
$1317
$219
At-fault accident - less than $1000
$1332
$227
Failure to stop at a red light
$1332
$222
Failure to yield
$1332
$227
Illegal turn
$1332
$222
Improper passing
$1332
$227
Wrong way/wrong lane
$1332
$222
Speeding 21 - 25 MPH over limit
$1347
$229
Passing school bus
$1368
$228
Open container
$1447
$246
At-fault accident - $1000-$2000
$1472
$245
At-fault accident - greater than $2000
$1487
$253
In 65 MPH zone
$1497
$249
Operating a vehicle without permission
$1527
$260
Reckless driving
$1926
$321
Refusal to submit to a chemical test
$1971
$335
Driving with a suspended license
$1981
$330
DUI
$1986
$338
Racing
$2011
$335
Leaving scene of an accident/hit and run
$2076
$353
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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 Milton 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 Milton.
The cheapest car insurance premiums in
Milton are
offered by Progressive at $1098 for a six-month policy.
However, it can be as
expensive as $4326 with companies
like Sentry.
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 Milton are offered by American Family
at $549. However,
it can be as expensive as $6172
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Milton after Speeding ticket
Car insurance rates in Milton have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Milton rose by
$338 in January
compared to $276 of December. In other words, there has been an increase by $62 when you
compare January and December.
The average cost of liability insurance in the Milton dipped to $66 in January,
compared to $75 in December.
This represents an decrease of $9
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Milton. At $2291 for a
six-month policy, insuring
your car at 19968 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 Milton?
The car insurance in Milton is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Milton?
The cheapest car insurance in Milton
is $114 per month
for full coverage.
How much is car insurance in Milton for teenagers?
Car insurance for teenagers costs $1891 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
Milton?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $192 per month to insure your
car in Milton.
Is car insurance expensive in Milton?
Car insurance can be expensive in Milton if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Milton can be
affordable.
What is the best car insurance in Milton,
DE?
The best car insurance company in Milton
DE is
Travelers, offering $679 for a
six-month policy.
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