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Finding the cheapest car insurance quotes in Milburn 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 Milburn
The car insurance rate in Milburn is $1053 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, making it a popular choice for budget-conscious drivers. Rates in Milburn 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 $447 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Cincinnati
Cincinnati offers auto
insurance rates at $489 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Kentucky Farm Bureau
Kentucky Farm Bureau offers auto insurance
rates at $643
for six months, making it
the third cheapest auto insurance company in Milburn.
Milburn Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Milburn, KY is AutoOwners Insurance Co, offering policies at just $447 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $489.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1224 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milburn drivers find the best deals.
Way's key takeaways about car insurance in Milburn
The auto insurance costs in Milburn fall around $447 for six
months.
The cheapest auto insurance company in Milburn is Cincinnati.
Teen drivers pay the highest rate in Milburn at $1436 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Milburn
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 Milburn are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Milburn. Their Average 6 Month Premium is $153.
Allstate is the most
expensive at $1071 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 Milburn is AutoOwners Insurance Co
at $76 per month and $447
for six months.
Cheapest Full Coverage Car Insurance Quotes in Milburn,
KY
Get Your Car Insurance Quote in Milburn
Instantly!
Average Car Insurance in Milburn 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 Milburn, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Milburn, Kentucky, may be increasing due to several external factors.
Kentucky has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Milburn's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Milburn
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
20s
USAA
$1019
30s
Auto-Owners
$773
40s
Auto-Owners
$755
50s
Auto-Owners
$721
60s
USAA
$750
70s
State Farm
$835
Cheapest Car Insurance Rates for Teen Drivers in
Milburn,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Milburn at $33
per
month. At $8528 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Milburn.
As young drivers face the highest rates in Milburn, USAA
offers the cheapest auto insurance rates at $1019 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 Milburn,
Cincinnati is
the cheapest car insurance provider. At $263 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
Milburn is Allstate, offering
rates of around $5556 for six
months.
Save up to $971/yr on car insurance rates in Milburn.
Car Insurance Rates with An Accident in Milburn
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 Milburn, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Milburn
The cheapest car insurance companies after an at-fault accident in
Milburn include AutoOwners Insurance Co
and Electric, offering $312
and $312,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4497.
Here is a list of driving violations that can increase your car
insurance rates in Milburn KY. For example, the car
insurance in Milburn
after a DUI increases to $1280 for a six
month policy. While the rate increases by $325 for a six-month policy in the case of
a speeding ticket.
Milburn auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1492
$249
One Med/PIP claim
$1505
$255
Two Med/PIP claims
$1567
$261
Not-at-fault accident
$1609
$274
One comp claim
$1634
$272
Failure to wear a seat belt
$1652
$281
Failure to show documents
$1707
$284
Two comp claims
$1707
$290
Driving without lights
$1713
$285
Child safety restraint
$1731
$295
Cell phone violation
$1798
$300
Driving with expired registration
$1805
$307
Texting while driving
$1805
$301
Driving too slowly
$1817
$309
Failure to stop at a red light
$1817
$303
Failure to yield
$1817
$309
Speeding 6 - 10 MPH over limit
$1817
$303
Speeding in school zone
$1817
$309
Following too closely
$1823
$304
Illegal turn
$1823
$310
Speeding 11 - 15 MPH over limit
$1823
$304
Wrong way/wrong lane
$1823
$310
Improper passing
$1829
$305
Speeding 16 - 20 MPH over limit
$1829
$311
Speeding 21 - 25 MPH over limit
$1866
$311
In 65 MPH zone
$1879
$319
Passing school bus
$1909
$318
Open container
$1958
$333
At-fault accident - less than $1000
$1994
$333
Operating a vehicle without permission
$2141
$365
At-fault accident - $1000-$2000
$2166
$361
At-fault accident - greater than $2000
$2166
$369
Reckless driving
$2722
$454
Refusal to submit to a chemical test
$2759
$470
DUI
$2772
$461
Driving with a suspended license
$2778
$473
Racing
$2790
$465
Leaving scene of an accident/hit and run
$2820
$480
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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 Milburn 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 Milburn.
The cheapest car insurance premiums in
Milburn are
offered by Cincinnati at $410 for a six-month policy.
However, it can be as
expensive as $2331 with companies
like AutoOwners.
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 Milburn are offered by Cincinnati
at $183. However,
it can be as expensive as $3053
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Milburn after Speeding ticket
Car insurance rates in Milburn have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Milburn rose by
$229 in December
compared to $227 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Milburn rose to $64 in December,
compared to $62 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Milburn. At $N/A for a
six-month policy, insuring
your car at N/A 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 Milburn?
The car insurance in Milburn is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Milburn?
The cheapest car insurance in Milburn
is $76 per month
for full coverage.
How much is car insurance in Milburn for teenagers?
Car insurance for teenagers costs $196 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
Milburn?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $177 per month to insure your
car in Milburn.
Is car insurance expensive in Milburn?
Car insurance can be expensive in Milburn if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Milburn can be
affordable.
What is the best car insurance in Milburn,
KY?
The best car insurance company in Milburn
KY is
AutoOwners Insurance Co, offering $447 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Milburn, KY
Car Insurance Rates by State in the USA (2025 Update)
Milburn Car Insurance
