Cheapest Car Insurance Quotes in Milton Mills

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Milton Mills Car Insurance

^$ 17

/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 Milton Mills

The car insurance rate in Milton Mills is $621 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $321, making it a popular choice for budget-conscious drivers. Rates in Milton Mills 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 Milton Mills

$621

Avg. Car Insurance in New Hampshire

$609

National Average

$1140

Cheapest Car Insurance Companies in Milton Mills

1st place: Hanover

At $321 for a six month policy, Hanover offers the cheapest auto insurance rates in the city.

2nd place: Safety Group

Safety Group offers auto insurance rates at $321 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $321 for six months, making it the third cheapest auto insurance company in Milton Mills.

Milton Mills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milton Mills, NH is Hanover, offering policies at just $321 for a six-month term. This is followed by Safety Group, which has an average six-month premium of $321.

At the higher end of the spectrum, The Hanover is the most expensive, with rates reaching $921 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milton Mills drivers find the best deals.

Cheap Car Insurance Companies in Milton Mills, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$321	$54
Safety Group	$321	$53
Vermont Mutual	$321	$55
MAPFRE	$340	$56
Concord Group	$375	$64
Encompass	$509	$85
USAA	$509	$86
Concord	$666	$111
Auto-Owners	$703	$119
Nationwide	$715	$120
MMG	$740	$125
Safety	$763	$128
State Farm	$763	$129
Progressive	$769	$130
Allstate	$1218	$205
The Hanover	$921	$157

Key Takeaways

Way's key takeaways about car insurance in Milton Mills

The auto insurance costs in Milton Mills fall around $321 for six months.
The cheapest auto insurance company in Milton Mills is Hanover.
Teen drivers pay the highest rate in Milton Mills at $367 per month.

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Cheapest Minimum Liability Car Insurance in Milton Mills

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 Mills are given below.

Hanover provides the cheapest minimum car insurance coverage in Milton Mills. Their Average 6 Month Premium is $103. Allstate is the most expensive at $478 for the same period.

Cheapest Liability Coverage in Milton Mills, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$103	$17
The Hanover	$134	$22
Safety Group	$146	$24
Vermont Mutual	$146	$24
MMG	$152	$26
USAA	$157	$27
MAPFRE	$163	$28
Concord Group	$175	$30
Encompass	$175	$30
Auto-Owners	$182	$31
Safety	$212	$36
Progressive	$249	$42
State Farm	$291	$49
Concord	$321	$55
Nationwide	$400	$66
Allstate	$478	$81

Cheapest Full Coverage Car Insurance in Milton Mills

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 Mills is Hanover at $54 per month and $321 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milton Mills, NH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$321	$54
Safety Group	$321	$53
Vermont Mutual	$321	$55
MAPFRE	$340	$56
Concord Group	$375	$64
Encompass	$509	$85
USAA	$509	$86
Concord	$666	$111
Auto-Owners	$703	$119
Nationwide	$715	$120
MMG	$740	$125
Safety	$763	$128
State Farm	$763	$129
Progressive	$769	$130
Allstate	$1218	$205
The Hanover	$921	$157

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Average Car Insurance in Milton Mills 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 Milton Mills, NH increasing?

Despite maintaining a clean driving record, your car insurance rates in Milton Mills, New Hampshire, may be increasing due to several external factors. New Hampshire 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 Mills'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 Mills

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 Milton Mills,NH

If you are planning to get a car insurance policy for your teenage dependent, Concord Group provides the cheapest car insurance in the Milton Mills at $44 per month. At $2205 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Concord Group	$260	$44
Auto-Owners	$266	$45
MMG	$266	$45
Safety Group	$266	$45
Vermont Mutual	$278	$47
Hanover	$291	$49
USAA	$787	$133
State Farm	$1103	$186
Concord	$1303	$217
Progressive	$1915	$322
Allstate	$2205	$367

Teen Car Insurance Rates in NH 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 Milton Mills, Vermont Mutual is the cheapest car insurance provider. At $169 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 Mills is State Farm, offering rates of around $2460 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$169	$29
Safety Group	$175	$30
MAPFRE	$206	$35
Concord Group	$260	$44
Hanover	$569	$96
Progressive	$703	$118
USAA	$721	$120
Concord	$975	$166
Allstate	$1618	$269
State Farm	$2460	$418

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Car Insurance Rates with An Accident in Milton Mills

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 Mills, NH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Milton Mills

The cheapest car insurance companies after an at-fault accident in Milton Mills include Vermont Mutual and MMG, offering $169 and $206, respectively. Allstate is an expensive provider with an average six-month premium of $1757.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Vermont Mutual	$169	$29
MMG	$206	$35
MAPFRE	$218	$37
The Hanover	$218	$37
Concord Group	$254	$43
Auto-Owners	$309	$53
Hanover	$363	$61
USAA	$437	$73
Encompass	$758	$126
State Farm	$884	$149
Progressive	$909	$153
Concord	$975	$166
Nationwide	$1121	$187
Allstate	$1757	$296

Milton Mills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milton Mills NH. For example, the car insurance in Milton Mills after a DUI increases to $606 for a six month policy. While the rate increases by $109 for a six-month policy in the case of a speeding ticket.

Milton Mills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$721	$120
Not-at-fault accident	$721	$122
One Med/PIP claim	$721	$120
One comp claim	$740	$125
Two Med/PIP claims	$740	$123
Two comp claims	$752	$128
Failure to show documents	$800	$134
Failure to wear a seat belt	$800	$136
At-fault accident - less than $1000	$812	$136
Child safety restraint	$812	$138
Driving without lights	$812	$136
Driving with expired registration	$830	$141
Speeding 11 - 15 MPH over limit	$830	$139
Speeding 16 - 20 MPH over limit	$830	$141
Speeding 6 - 10 MPH over limit	$830	$139
Driving too slowly	$836	$142
Failure to stop at a red light	$836	$140
Failure to yield	$836	$142
Following too closely	$836	$140
Illegal turn	$836	$142
In 65 MPH zone	$836	$140
Speeding in school zone	$836	$142
Wrong way/wrong lane	$836	$140
Speeding 21 - 25 MPH over limit	$855	$145
Improper passing	$860	$144
Cell phone violation	$909	$155
Texting while driving	$909	$152
At-fault accident - $1000-$2000	$933	$159
Passing school bus	$958	$159
Open container	$1000	$170
At-fault accident - greater than $2000	$1042	$173
Operating a vehicle without permission	$1103	$188
Racing	$1242	$207
Reckless driving	$1284	$218
Driving with a suspended license	$1315	$219
DUI	$1327	$225
Refusal to submit to a chemical test	$1327	$221
Leaving scene of an accident/hit and run	$1358	$231

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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 Mills 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 Mills.

The cheapest car insurance premiums in Milton Mills are offered by MAPFRE at $243 for a six-month policy. However, it can be as expensive as $2357 with companies like Encompass.

Milton Mills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
MAPFRE	$243	$41
MMG	$278	$47
Concord Group	$309	$51
Auto-Owners	$352	$60
Hanover	$352	$59
Progressive	$557	$94
USAA	$630	$106
Concord	$1175	$200
Allstate	$1218	$205
State Farm	$1224	$206
Nationwide	$1496	$250
Encompass	$2357	$401

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 Milton Mills are offered by Safety Group at $175. However, it can be as expensive as $1358 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Milton Mills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$175	$30
Concord Group	$200	$34
MAPFRE	$218	$37
Vermont Mutual	$231	$39
Hanover	$278	$47
USAA	$466	$80
State Farm	$588	$98
Concord	$897	$152
Progressive	$909	$152
Allstate	$1358	$231

Car Insurance Price Trends in Milton Mills, New Hampshire

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

The average cost of full coverage in the Milton Mills remained steady at $115 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Milton Mills remained steady at $36 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 Milton Mills?

The car insurance in Milton Mills is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Milton Mills?

The cheapest car insurance in Milton Mills is $54 per month for full coverage.

How much is car insurance in Milton Mills for teenagers?

Car insurance for teenagers costs $260 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 Mills?

The average cost of car insurance is $609 for a six-month policy. It will cost around $104 per month to insure your car in Milton Mills.

Is car insurance expensive in Milton Mills?

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

What is the best car insurance in Milton Mills, NH?

The best car insurance company in Milton Mills NH is Hanover, offering $321 for a six-month policy.