Cheapest Car Insurance Quotes in Millwood

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Millwood Car Insurance

^$ 51

/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 Millwood

The car insurance rate in Millwood is $1183 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $635, making it a popular choice for budget-conscious drivers. Rates in Millwood 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 Millwood

$1183

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Millwood

1st place: Kemper

At $635 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $841 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $848 for six months, making it the third cheapest auto insurance company in Millwood.

Millwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Millwood, NY is Kemper, offering policies at just $635 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $841.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1769 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Millwood drivers find the best deals.

Cheap Car Insurance Companies in Millwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$635	$108
New York Central Mutual Fire	$841	$140
Progressive	$848	$143
American Family	$983	$166
NYCM	$1032	$174
Erie	$1236	$206
Nationwide	$1243	$212
USAA	$1250	$210
State Farm	$1550	$261
Travelers	$1633	$275
Allstate	$1769	$298

Key Takeaways

Way's key takeaways about car insurance in Millwood

The auto insurance costs in Millwood fall around $635 for six months.
The cheapest auto insurance company in Millwood is New York Central Mutual Fire.
Teen drivers pay the highest rate in Millwood at $902 per month.

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Cheapest Minimum Liability Car Insurance in Millwood

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 Millwood are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Millwood. Their Average 6 Month Premium is $300. Preferred Mutual is the most expensive at $792 for the same period.

Cheapest Liability Coverage in Millwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$300	$51
NYCM	$314	$53
Kemper	$369	$61
Progressive	$437	$74
American Family	$444	$75
USAA	$539	$91
Nationwide	$574	$95
Erie	$725	$123
State Farm	$841	$141
Travelers	$902	$152
Allstate	$943	$159
Utica National	$656	$112
Preferred Mutual	$792	$132

Cheapest Full Coverage Car Insurance in Millwood

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 Millwood is Kemper at $108 per month and $635 for six months.

Cheapest Full Coverage Car Insurance Quotes in Millwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$635	$108
New York Central Mutual Fire	$841	$140
Progressive	$848	$143
American Family	$983	$166
NYCM	$1032	$174
Erie	$1236	$206
Nationwide	$1243	$212
USAA	$1250	$210
State Farm	$1550	$261
Travelers	$1633	$275
Allstate	$1769	$298

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Average Car Insurance in Millwood 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 Millwood, NY increasing?

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

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

Car Insurance Premiums by Age in Millwood

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	National Grange Mutual	$647
30s	National Grange Mutual	$461
40s	National Grange Mutual	$444
50s	National Grange Mutual	$451
60s	National Grange Mutual	$485
70s	National Grange Mutual	$666

Cheapest Car Insurance Rates for Teen Drivers in Millwood,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Millwood at $71 per month. At $5356 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$430	$71
American Family	$519	$87
NYCM	$867	$146
Progressive	$1373	$231
New York Central Mutual Fire	$1496	$250
USAA	$2746	$462
Nationwide	$3587	$598
Travelers	$4440	$747
Allstate	$4802	$808
State Farm	$5356	$902

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Millwood.

As young drivers face the highest rates in Millwood, National Grange Mutual offers the cheapest auto insurance rates at $647 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 Millwood, Chubb is the cheapest car insurance provider. At $922 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 Millwood is Progressive, offering rates of around $5950 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$922	$154
Kemper	$964	$163
Nationwide	$1243	$207
USAA	$1722	$293
NYCM	$1796	$299
Erie	$1947	$331
American Family	$2289	$382
Allstate	$2343	$394
State Farm	$2425	$408
Mercury	$2849	$484
Travelers	$2910	$490
Progressive	$5950	$1002

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Car Insurance Rates with An Accident in Millwood

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 Millwood, NY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Millwood include Kemper and American Family, offering $532 and $546, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$532	$89
American Family	$546	$92
NYCM	$662	$112
Erie	$725	$123
Chubb	$799	$133
Progressive	$874	$147
New York Central Mutual Fire	$1011	$169
USAA	$1086	$183
Nationwide	$1633	$273
Allstate	$1647	$277
State Farm	$1988	$335
Travelers	$2022	$340
Utica National	$656	$112
Preferred Mutual	$662	$110

Millwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Millwood NY. For example, the car insurance in Millwood after a DUI increases to $820 for a six month policy. While the rate increases by $130 for a six-month policy in the case of a speeding ticket.

Millwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1441	$240
One Med/PIP claim	$1441	$245
One comp claim	$1455	$243
Two comp claims	$1469	$250
Two Med/PIP claims	$1469	$245
Not-at-fault accident	$1475	$251
Failure to show documents	$1496	$250
Failure to wear a seat belt	$1503	$255
Driving with expired registration	$1517	$253
At-fault accident - less than $1000	$1524	$259
Cell phone violation	$1524	$254
Child safety restraint	$1524	$259
Driving without lights	$1524	$254
Failure to stop at a red light	$1524	$259
Failure to yield	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Improper passing	$1524	$259
Passing school bus	$1524	$254
Texting while driving	$1524	$259
Wrong way/wrong lane	$1524	$254
Driving too slowly	$1538	$261
Speeding in school zone	$1538	$256
At-fault accident - $1000-$2000	$1543	$262
Speeding 11 - 15 MPH over limit	$1571	$262
Speeding 6 - 10 MPH over limit	$1571	$267
Operating a vehicle without permission	$1598	$267
Open container	$1619	$275
In 65 MPH zone	$1687	$282
Speeding 16 - 20 MPH over limit	$1708	$291
Speeding 21 - 25 MPH over limit	$1769	$294
At-fault accident - greater than $2000	$1906	$324
Reckless driving	$2035	$339
Racing	$2117	$360
Driving with a suspended license	$2193	$366
Refusal to submit to a chemical test	$2240	$381
DUI	$2261	$377
Leaving scene of an accident/hit and run	$2295	$390

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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 Millwood 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 Millwood.

The cheapest car insurance premiums in Millwood are offered by American Family at $519 for a six-month policy. However, it can be as expensive as $2316 with companies like State Farm.

Millwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$87
Kemper	$546	$93
Progressive	$662	$112
NYCM	$834	$140
New York Central Mutual Fire	$1229	$205
USAA	$1311	$221
Allstate	$1947	$328
Travelers	$2001	$337
Nationwide	$2029	$338
State Farm	$2316	$390

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 Millwood are offered by American Family at $458. However, it can be as expensive as $2349 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Millwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$458	$78
Kemper	$458	$76
Progressive	$567	$95
NYCM	$758	$126
USAA	$1032	$176
Nationwide	$1421	$237
State Farm	$1538	$261
Travelers	$2247	$375
Allstate	$2349	$399

Car Insurance Price Trends in Millwood, New York

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

The average cost of full coverage in the Millwood dipped by $284 in December compared to $285 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Millwood dipped to $98 in December, compared to $101 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Millwood?

The car insurance in Millwood is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Millwood?

The cheapest car insurance in Millwood is $108 per month for full coverage.

How much is car insurance in Millwood for teenagers?

Car insurance for teenagers costs $430 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 Millwood?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $199 per month to insure your car in Millwood.

Is car insurance expensive in Millwood?

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

Cheapest Car Insurance Quotes in Millwood

Why you can trust Way?

How Much Is Car Insurance in Millwood

Avg. Car Insurance in Millwood

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Millwood

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Millwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Millwood, NY

Way's key takeaways about car insurance in Millwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Millwood

Cheapest Liability Coverage in Millwood, NY

Cheapest Full Coverage Car Insurance in Millwood

Cheapest Full Coverage Car Insurance Quotes in Millwood, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Millwood by Rating Factor

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

Car Insurance Premiums by Age in Millwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Millwood,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Millwood.

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 Millwood

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

Millwood Car Insurance Rates by Violation

Millwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Millwood after a DUI

Millwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Millwood after Speeding ticket

Car Insurance Price Trends in Millwood, New York

Average Car Insurance Cost in Millwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Millwood, NY

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

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