Cheapest Car Insurance Quotes in Milford Mill

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Milford Mill Car Insurance

^$ 73

/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 Milford Mill

The car insurance rate in Milford Mill is $1483 for a six-month policy, which is $467 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1085, making it a popular choice for budget-conscious drivers. Rates in Milford Mill 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 Milford Mill

$1483

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Milford Mill

1st place: Kemper

At $1085 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1171 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $1197 for six months, making it the third cheapest auto insurance company in Milford Mill.

Milford Mill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milford Mill, MD is Kemper, offering policies at just $1085 for a six-month term. This is followed by USAA, which has an average six-month premium of $1171.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2775 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milford Mill drivers find the best deals.

Cheap Car Insurance Companies in Milford Mill, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1085	$184
USAA	$1171	$197
State Farm	$1197	$201
Travelers	$1197	$201
Nationwide	$1387	$234
Erie	$1431	$241
Progressive	$1631	$274
Allstate	$2775	$467

Key Takeaways

Way's key takeaways about car insurance in Milford Mill

The auto insurance costs in Milford Mill fall around $1085 for six months.
The cheapest auto insurance company in Milford Mill is USAA.
Teen drivers pay the highest rate in Milford Mill at $1949 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 Milford Mill

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 Milford Mill are given below.

USAA provides the cheapest minimum car insurance coverage in Milford Mill. Their Average 6 Month Premium is $434. Allstate is the most expensive at $1518 for the same period.

Cheapest Liability Coverage in Milford Mill, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$434	$73
Travelers	$599	$101
State Farm	$607	$102
Kemper	$616	$102
Erie	$642	$108
Progressive	$755	$127
Nationwide	$781	$131
Allstate	$1518	$256

Cheapest Full Coverage Car Insurance in Milford Mill

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 Milford Mill is Kemper at $184 per month and $1085 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milford Mill, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1085	$184
USAA	$1171	$197
State Farm	$1197	$201
Travelers	$1197	$201
Nationwide	$1387	$234
Erie	$1431	$241
Progressive	$1631	$274
Allstate	$2775	$467

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Average Car Insurance in Milford Mill 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 Milford Mill, MD increasing?

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

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

Car Insurance Premiums by Age in Milford Mill

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	Travelers	$1000
30s	Travelers	$853
40s	Travelers	$777
50s	Travelers	$734
60s	Travelers	$823
70s	USAA	$870

Cheapest Car Insurance Rates for Teen Drivers in Milford Mill,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Milford Mill at $111 per month. At $11578 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$111
Erie	$1691	$285
Travelers	$1977	$333
USAA	$2116	$356
State Farm	$2870	$483
Progressive	$3651	$615
Nationwide	$5481	$923
Allstate	$11578	$1949

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Milford Mill.

As young drivers face the highest rates in Milford Mill, Travelers offers the cheapest auto insurance rates at $1000 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 Milford Mill, USAA is the cheapest car insurance provider. At $1371 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 Milford Mill is State Farm, offering rates of around $5186 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1371	$228
Progressive	$1413	$238
Nationwide	$1796	$302
Travelers	$2532	$431
Erie	$2974	$496
Allstate	$4050	$689
State Farm	$5186	$864

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Milford Mill.

Car Insurance Rates with An Accident in Milford Mill

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 Milford Mill, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Milford Mill

The cheapest car insurance companies after an at-fault accident in Milford Mill include Erie and USAA, offering $1076 and $1223, respectively. Encompass is an expensive provider with an average six-month premium of $962.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1076	$181
USAA	$1223	$206
Travelers	$1240	$209
State Farm	$1336	$225
Progressive	$1622	$273
Nationwide	$2254	$380
Allstate	$5065	$853
Encompass	$962	$161

Milford Mill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milford Mill MD. For example, the car insurance in Milford Mill after a DUI increases to $1647 for a six month policy. While the rate increases by $381 for a six-month policy in the case of a speeding ticket.

Milford Mill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1752	$292
One Med/PIP claim	$1812	$308
Not-at-fault accident	$1882	$314
One comp claim	$1891	$321
Two Med/PIP claims	$1926	$321
Failure to wear a seat belt	$1986	$337
Failure to show documents	$2038	$340
Child safety restraint	$2056	$349
Two comp claims	$2056	$343
Driving with expired registration	$2107	$358
Cell phone violation	$2133	$356
Driving too slowly	$2133	$362
Failure to stop at a red light	$2133	$356
Failure to yield	$2133	$362
Following too closely	$2133	$356
Illegal turn	$2133	$362
Improper passing	$2133	$356
Speeding 11 - 15 MPH over limit	$2133	$362
Speeding 16 - 20 MPH over limit	$2133	$356
Speeding 6 - 10 MPH over limit	$2133	$362
Texting while driving	$2133	$356
Wrong way/wrong lane	$2133	$362
Speeding in school zone	$2159	$361
At-fault accident - less than $1000	$2203	$375
Passing school bus	$2212	$368
Driving without lights	$2221	$378
Open container	$2229	$371
Operating a vehicle without permission	$2254	$384
Speeding 21 - 25 MPH over limit	$2333	$388
In 65 MPH zone	$2549	$434
At-fault accident - $1000-$2000	$2628	$438
At-fault accident - greater than $2000	$2628	$447
Reckless driving	$3000	$501
Racing	$3227	$549
Driving with a suspended license	$3278	$546
Refusal to submit to a chemical test	$3383	$575
DUI	$3399	$566
Leaving scene of an accident/hit and run	$3425	$583

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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 Milford Mill 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 Milford Mill.

The cheapest car insurance premiums in Milford Mill are offered by Erie at $920 for a six-month policy. However, it can be as expensive as $3781 with companies like Nationwide.

Milford Mill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$920	$155
Travelers	$1345	$226
Progressive	$1752	$295
USAA	$2021	$340
State Farm	$2628	$442
Allstate	$2897	$488
Nationwide	$3781	$637

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 Milford Mill are offered by State Farm at $823. However, it can be as expensive as $3539 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Milford Mill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$823	$139
USAA	$937	$159
Erie	$1092	$184
Progressive	$1266	$213
Travelers	$1734	$289
Nationwide	$2463	$419
Allstate	$3539	$590

Car Insurance Price Trends in Milford Mill, Maryland

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

The average cost of full coverage in the Milford Mill rose by $311 in December compared to $310 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Milford Mill remained steady at $112 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Milford Mill?

The car insurance in Milford Mill is $73 per month, which is lower than the national average.

What is the cheapest car insurance in Milford Mill?

The cheapest car insurance in Milford Mill is $184 per month for full coverage.

How much is car insurance in Milford Mill for teenagers?

Car insurance for teenagers costs $651 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 Milford Mill?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $250 per month to insure your car in Milford Mill.

Is car insurance expensive in Milford Mill?

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

Cheapest Car Insurance Quotes in Milford Mill

Why you can trust Way?

How Much Is Car Insurance in Milford Mill

Avg. Car Insurance in Milford Mill

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Milford Mill

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Milford Mill Car Insurance Rates by Company

Cheap Car Insurance Companies in Milford Mill, MD

Way's key takeaways about car insurance in Milford Mill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milford Mill

Cheapest Liability Coverage in Milford Mill, MD

Cheapest Full Coverage Car Insurance in Milford Mill

Cheapest Full Coverage Car Insurance Quotes in Milford Mill, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milford Mill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Milford Mill, MD increasing?

Car Insurance Premiums by Age in Milford Mill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milford Mill,MD

If you are in your twenties Travelers is the best choice for car insurance in Milford Mill.

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 Milford Mill

Cheapest Car Insurance Companies after an At-Fault Accident in Milford Mill

Milford Mill Car Insurance Rates by Violation

Milford Mill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milford Mill after a DUI

Milford Mill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milford Mill after Speeding ticket

Car Insurance Price Trends in Milford Mill, Maryland

Average Car Insurance Cost in Milford Mill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milford Mill, MD

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

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