Cheapest Car Insurance Quotes in Milner

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Milner Car Insurance

^$ 40

/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 Milner

The car insurance rate in Milner is $1148 for a six-month policy, which is $95 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Milner 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 Milner

$1148

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Milner

1st place: Country Financial

At $408 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $537 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $790 for six months, making it the third cheapest auto insurance company in Milner.

Milner Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milner, GA is Country Financial, offering policies at just $408 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $537.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milner drivers find the best deals.

Cheap Car Insurance Companies in Milner, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$408	$68
Auto-Owners Insurance Co	$537	$92
Georgia Farm Bureau	$790	$132
Farm Bureau	$868	$147
Auto-Owners	$1218	$205
USAA	$1218	$205
Progressive	$1256	$211
Mercury	$1451	$246
Allstate	$1482	$250
Esurance P&C Ins Co	$1561	$265
State Farm	$1845	$311

Key Takeaways

Way's key takeaways about car insurance in Milner

The auto insurance costs in Milner fall around $408 for six months.
The cheapest auto insurance company in Milner is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Milner at $1106 per month.

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

Cheapest Minimum Liability Car Insurance in Milner

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 Milner are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Milner. Their Average 6 Month Premium is $240. State Farm is the most expensive at $848 for the same period.

Cheapest Liability Coverage in Milner, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$240	$40
Georgia Farm Bureau	$324	$55
Farm Bureau	$356	$61
Mercury	$388	$65
Auto-Owners	$401	$68
Country Financial	$414	$70
USAA	$447	$75
Progressive	$453	$76
Central Insurance	$505	$86
Allstate	$731	$122
State Farm	$848	$143

Cheapest Full Coverage Car Insurance in Milner

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 Milner is Country Financial at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milner, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$408	$68
Auto-Owners Insurance Co	$537	$92
Georgia Farm Bureau	$790	$132
Farm Bureau	$868	$147
Auto-Owners	$1218	$205
USAA	$1218	$205
Progressive	$1256	$211
Mercury	$1451	$246
Allstate	$1482	$250
Esurance P&C Ins Co	$1561	$265
State Farm	$1845	$311

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Average Car Insurance in Milner 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 Milner, GA increasing?

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

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

Car Insurance Premiums by Age in Milner

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 Milner,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Milner at $57 per month. At $6572 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$57
Mercury	$408	$70
Country Financial	$486	$82
Central Insurance	$505	$86
USAA	$2013	$339
Georgia Farm Bureau	$2195	$373
Auto-Owners	$2330	$392
Farm Bureau	$2790	$474
Allstate	$5154	$859
Progressive	$6572	$1106
State Farm	$6572	$1106

Teen Car Insurance Rates in GA 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 Milner, Country Financial is the cheapest car insurance provider. At $337 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 Milner is Allstate, offering rates of around $2758 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$337	$56
Mercury	$395	$68
Farm Bureau	$868	$145
Progressive	$1645	$280
USAA	$1755	$292
Auto-Owners	$3198	$544
State Farm	$7058	$1176
Allstate	$2758	$460

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Car Insurance Rates with An Accident in Milner

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 Milner, GA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Milner include AutoOwners Insurance Co and Country Financial, offering $356 and $550, respectively. State Farm is an expensive provider with an average six-month premium of $2260.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$356	$59
Country Financial	$550	$93
Encompass	$608	$101
Central Insurance	$667	$113
Farm Bureau	$952	$159
Georgia Farm Bureau	$971	$166
Auto-Owners	$1075	$181
USAA	$1094	$184
Progressive	$1561	$263
Allstate	$2066	$351
State Farm	$2260	$380

Milner Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milner GA. For example, the car insurance in Milner after a DUI increases to $1179 for a six month policy. While the rate increases by $370 for a six-month policy in the case of a speeding ticket.

Milner auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1385	$231
One Med/PIP claim	$1385	$235
One comp claim	$1392	$232
Two Med/PIP claims	$1392	$237
Not-at-fault accident	$1398	$233
Two comp claims	$1418	$241
Driving without lights	$1671	$278
Failure to wear a seat belt	$1671	$284
Child safety restraint	$1690	$281
Failure to show documents	$1690	$288
Cell phone violation	$1729	$288
Texting while driving	$1729	$294
Driving too slowly	$1755	$292
Speeding 6 - 10 MPH over limit	$1755	$299
Speeding in school zone	$1755	$292
Speeding 11 - 15 MPH over limit	$1761	$300
Driving with expired registration	$1768	$294
Failure to yield	$1768	$301
Following too closely	$1768	$294
Illegal turn	$1768	$301
Failure to stop at a red light	$1775	$295
Improper passing	$1775	$302
Speeding 16 - 20 MPH over limit	$1775	$295
Wrong way/wrong lane	$1775	$302
Speeding 21 - 25 MPH over limit	$1793	$299
Passing school bus	$1826	$311
In 65 MPH zone	$1832	$305
Open container	$1858	$316
At-fault accident - less than $1000	$1865	$311
Operating a vehicle without permission	$1890	$322
At-fault accident - $1000-$2000	$2033	$339
At-fault accident - greater than $2000	$2046	$348
Refusal to submit to a chemical test	$2396	$399
Reckless driving	$2467	$420
Racing	$2526	$421
Driving with a suspended license	$2532	$431
DUI	$2564	$427
Leaving scene of an accident/hit and run	$2629	$447

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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 Milner 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 Milner.

The cheapest car insurance premiums in Milner are offered by Mercury at $414 for a six-month policy. However, it can be as expensive as $2098 with companies like State Farm.

Milner car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$414	$71
Auto-Owners Insurance Co	$537	$89
Country Financial	$583	$98
Esurance P&C Ins Co	$803	$134
Allstate	$1321	$225
Auto-Owners	$1444	$243
Georgia Farm Bureau	$1561	$265
Progressive	$1566	$264
USAA	$1592	$268
Farm Bureau	$1690	$281
State Farm	$2098	$353

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 Milner are offered by AutoOwners Insurance Co at $278. However, it can be as expensive as $1865 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Milner after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$278	$47
Country Financial	$304	$51
Mercury	$434	$72
Farm Bureau	$952	$161
USAA	$1198	$199
Auto-Owners	$1231	$209
Progressive	$1295	$216
State Farm	$1982	$337
Allstate	$1865	$311

Car Insurance Price Trends in Milner, Georgia

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

The average cost of full coverage in the Milner dipped by $233 in January compared to $245 of December. In other words, there has been an decrease by $12 when you compare January and December.

The average cost of liability insurance in the Milner dipped to $77 in January, compared to $78 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Milner?

The car insurance in Milner is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Milner?

The cheapest car insurance in Milner is $68 per month for full coverage.

How much is car insurance in Milner for teenagers?

Car insurance for teenagers costs $343 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 Milner?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $193 per month to insure your car in Milner.

Is car insurance expensive in Milner?

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

Cheapest Car Insurance Quotes in Milner

Why you can trust Way?

How Much Is Car Insurance in Milner

Avg. Car Insurance in Milner

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Milner

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Milner Car Insurance Rates by Company

Cheap Car Insurance Companies in Milner, GA

Way's key takeaways about car insurance in Milner

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milner

Cheapest Liability Coverage in Milner, GA

Cheapest Full Coverage Car Insurance in Milner

Cheapest Full Coverage Car Insurance Quotes in Milner, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milner by Rating Factor

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

Car Insurance Premiums by Age in Milner

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milner,GA

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

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 Milner

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

Milner Car Insurance Rates by Violation

Milner auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milner after a DUI

Milner car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milner after Speeding ticket

Car Insurance Price Trends in Milner, Georgia

Average Car Insurance Cost in Milner by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milner, GA

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

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