Cheapest Car Insurance Quotes in Milltown

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Milltown Car Insurance

^$ 63

/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 Milltown

The car insurance rate in Milltown is $1275 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Milltown 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 Milltown

$1275

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Milltown

1st place: New Jersey Manufacturers

At $795 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $961 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $972 for six months, making it the third cheapest auto insurance company in Milltown.

Milltown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milltown, NJ is New Jersey Manufacturers, offering policies at just $795 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $961.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2123 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milltown drivers find the best deals.

Cheap Car Insurance Companies in Milltown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$795	$133
New Jersey Skylands Insurance	$961	$164
NJM	$972	$164
Plymouth Rock	$1059	$178
Progressive	$1113	$187
Travelers	$1187	$200
Amica Mutual	$1346	$225
Allstate	$1388	$234
State Farm	$1499	$252
Selective	$1584	$267
Farmers	$2123	$354

Key Takeaways

Way's key takeaways about car insurance in Milltown

The auto insurance costs in Milltown fall around $795 for six months.
The cheapest auto insurance company in Milltown is New Jersey Manufacturers.
Teen drivers pay the highest rate in Milltown at $1077 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 Milltown

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 Milltown are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Milltown. Their Average 6 Month Premium is $367. Farmers is the most expensive at $1059 for the same period.

Cheapest Liability Coverage in Milltown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$367	$63
Plymouth Rock	$495	$83
NJM	$508	$85
New Jersey Skylands Insurance	$539	$90
Amica Mutual	$551	$94
Amica	$630	$105
Progressive	$630	$106
Travelers	$649	$109
State Farm	$679	$114
Allstate	$753	$127
Selective	$838	$141
Farmers	$1059	$176

Cheapest Full Coverage Car Insurance in Milltown

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 Milltown is New Jersey Manufacturers at $133 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milltown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$795	$133
New Jersey Skylands Insurance	$961	$164
NJM	$972	$164
Plymouth Rock	$1059	$178
Progressive	$1113	$187
Travelers	$1187	$200
Amica Mutual	$1346	$225
Allstate	$1388	$234
State Farm	$1499	$252
Selective	$1584	$267
Farmers	$2123	$354

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Average Car Insurance in Milltown 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 Milltown, NJ increasing?

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

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

Car Insurance Premiums by Age in Milltown

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	NJM	$790
30s	NJM	$614
40s	NJM	$569
50s	NJM	$524
60s	NJM	$483

Cheapest Car Insurance Rates for Teen Drivers in Milltown,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Milltown at $94 per month. At $6339 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$551	$94
NJM	$1101	$185
New Jersey Manufacturers	$1823	$310
Travelers	$2570	$433
Selective	$2784	$469
Plymouth Rock	$2888	$486
Amica Mutual	$3224	$548
Allstate	$3500	$589
Progressive	$3536	$595
State Farm	$4191	$706
Farmers	$6339	$1077

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Milltown.

As young drivers face the highest rates in Milltown, NJM offers the cheapest auto insurance rates at $790 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 Milltown, Amica Mutual is the cheapest car insurance provider. At $673 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 Milltown is State Farm, offering rates of around $7446 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$673	$114
New Jersey Skylands Insurance	$845	$141
Foremost	$942	$161
NJM	$1180	$199
Progressive	$1517	$255
Plymouth Rock	$1567	$264
Farmers	$2814	$479
Selective	$3255	$543
Travelers	$3475	$591
Allstate	$3640	$607
State Farm	$7446	$1266

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Car Insurance Rates with An Accident in Milltown

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 Milltown, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Milltown include New Jersey Skylands Insurance and NJM, offering $649 and $691, respectively. Farmers is an expensive provider with an average six-month premium of $4112.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$649	$108
NJM	$691	$116
New Jersey Manufacturers	$838	$140
Plymouth Rock	$874	$147
Amica Mutual	$1040	$175
Progressive	$1463	$246
Selective	$1983	$334
Travelers	$2031	$342
State Farm	$2349	$396
Allstate	$3671	$618
Farmers	$4112	$685

Milltown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milltown NJ. For example, the car insurance in Milltown after a DUI increases to $1298 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Milltown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1193	$199
One Med/PIP claim	$1199	$204
Not-at-fault accident	$1255	$209
One comp claim	$1267	$215
Two Med/PIP claims	$1273	$212
Speeding 6 - 10 MPH over limit	$1371	$233
Speeding 11 - 15 MPH over limit	$1377	$230
Two comp claims	$1377	$234
Failure to show documents	$1395	$233
At-fault accident - less than $1000	$1413	$240
Failure to wear a seat belt	$1432	$239
Driving too slowly	$1438	$244
Driving without lights	$1444	$241
Child safety restraint	$1469	$249
Driving with expired registration	$1469	$245
Wrong way/wrong lane	$1492	$253
Failure to yield	$1499	$250
Failure to stop at a red light	$1505	$255
Illegal turn	$1530	$255
Cell phone violation	$1548	$264
Texting while driving	$1548	$258
Speeding in school zone	$1573	$268
Operating a vehicle without permission	$1579	$263
Speeding 16 - 20 MPH over limit	$1579	$269
Improper passing	$1615	$269
Following too closely	$1621	$276
Passing school bus	$1688	$281
In 65 MPH zone	$1701	$289
Speeding 21 - 25 MPH over limit	$1756	$293
At-fault accident - $1000-$2000	$1805	$307
At-fault accident - greater than $2000	$1817	$303
Open container	$2031	$345
Reckless driving	$2380	$397
Leaving scene of an accident/hit and run	$2472	$420
DUI	$2491	$415
Refusal to submit to a chemical test	$2491	$423
Racing	$2497	$416
Driving with a suspended license	$2595	$441

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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 Milltown 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 Milltown.

The cheapest car insurance premiums in Milltown are offered by Plymouth Rock at $753 for a six-month policy. However, it can be as expensive as $5623 with companies like State Farm.

Milltown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$753	$127
Foremost	$826	$138
NJM	$832	$140
Mercury	$955	$159
New Jersey Manufacturers	$1028	$175
Progressive	$1046	$176
Travelers	$1579	$266
Allstate	$1890	$318
Selective	$2325	$391
Farmers	$2680	$447
Amica Mutual	$5317	$904
State Farm	$5623	$947

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 Milltown are offered by Plymouth Rock at $697. However, it can be as expensive as $3598 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Milltown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$697	$117
NJM	$887	$149
Progressive	$1224	$206
Selective	$1762	$294
State Farm	$1786	$304
Travelers	$2050	$342
Allstate	$2986	$508
Farmers	$3598	$599

Car Insurance Price Trends in Milltown, New Jersey

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

The average cost of full coverage in the Milltown rose by $299 in January compared to $253 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Milltown rose to $100 in January, compared to $89 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Milltown?

The car insurance in Milltown is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Milltown?

The cheapest car insurance in Milltown is $133 per month for full coverage.

How much is car insurance in Milltown for teenagers?

Car insurance for teenagers costs $551 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 Milltown?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $214 per month to insure your car in Milltown.

Is car insurance expensive in Milltown?

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

Cheapest Car Insurance Quotes in Milltown

Why you can trust Way?

How Much Is Car Insurance in Milltown

Avg. Car Insurance in Milltown

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Milltown

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Milltown Car Insurance Rates by Company

Cheap Car Insurance Companies in Milltown, NJ

Way's key takeaways about car insurance in Milltown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milltown

Cheapest Liability Coverage in Milltown, NJ

Cheapest Full Coverage Car Insurance in Milltown

Cheapest Full Coverage Car Insurance Quotes in Milltown, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milltown by Rating Factor

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

Car Insurance Premiums by Age in Milltown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milltown,NJ

If you are in your twenties NJM is the best choice for car insurance in Milltown.

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 Milltown

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

Milltown Car Insurance Rates by Violation

Milltown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milltown after a DUI

Milltown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milltown after Speeding ticket

Car Insurance Price Trends in Milltown, New Jersey

Average Car Insurance Cost in Milltown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milltown, NJ

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

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