Cheapest Car Insurance Quotes in Milton

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Milton Car Insurance

^$ 40

/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

The car insurance rate in Milton is $947 for a six-month policy, which is $82 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Milton 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

$947

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Milton

1st place: Kemper

At $508 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 $673 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $678 for six months, making it the third cheapest auto insurance company in Milton.

Milton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milton, NY is Kemper, offering policies at just $508 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $673.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1415 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milton drivers find the best deals.

Cheap Car Insurance Companies in Milton, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$86
New York Central Mutual Fire	$673	$112
Progressive	$678	$114
American Family	$787	$132
NYCM	$825	$139
Erie	$989	$165
Nationwide	$995	$169
USAA	$1000	$168
State Farm	$1240	$209
Travelers	$1306	$220
Allstate	$1415	$238

Key Takeaways

Way's key takeaways about car insurance in Milton

The auto insurance costs in Milton fall around $508 for six months.
The cheapest auto insurance company in Milton is New York Central Mutual Fire.
Teen drivers pay the highest rate in Milton at $721 per month.

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Cheapest Minimum Liability Car Insurance in Milton

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 are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Milton. Their Average 6 Month Premium is $240. Preferred Mutual is the most expensive at $634 for the same period.

Cheapest Liability Coverage in Milton, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$240	$40
NYCM	$251	$42
Kemper	$295	$49
Progressive	$350	$59
American Family	$355	$60
USAA	$431	$73
Nationwide	$459	$76
Erie	$580	$98
State Farm	$673	$113
Travelers	$721	$121
Allstate	$754	$127
Utica National	$524	$89
Preferred Mutual	$634	$106

Cheapest Full Coverage Car Insurance in Milton

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 is Kemper at $86 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milton, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$508	$86
New York Central Mutual Fire	$673	$112
Progressive	$678	$114
American Family	$787	$132
NYCM	$825	$139
Erie	$989	$165
Nationwide	$995	$169
USAA	$1000	$168
State Farm	$1240	$209
Travelers	$1306	$220
Allstate	$1415	$238

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Average Car Insurance in Milton 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, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Milton, 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, Milton'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

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	$518
30s	National Grange Mutual	$369
40s	National Grange Mutual	$355
50s	National Grange Mutual	$361
60s	National Grange Mutual	$388
70s	National Grange Mutual	$533

Cheapest Car Insurance Rates for Teen Drivers in Milton,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Milton at $57 per month. At $4284 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$344	$57
American Family	$415	$70
NYCM	$694	$117
Progressive	$1098	$185
New York Central Mutual Fire	$1197	$200
USAA	$2197	$370
Nationwide	$2869	$478
Travelers	$3552	$598
Allstate	$3842	$647
State Farm	$4284	$721

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 Milton.

As young drivers face the highest rates in Milton, National Grange Mutual offers the cheapest auto insurance rates at $518 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 Milton, Chubb is the cheapest car insurance provider. At $738 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 is Progressive, offering rates of around $4760 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$738	$123
Kemper	$771	$131
Nationwide	$995	$166
USAA	$1377	$235
NYCM	$1437	$239
Erie	$1558	$265
American Family	$1831	$305
Allstate	$1874	$316
State Farm	$1940	$327
Mercury	$2279	$387
Travelers	$2328	$392
Progressive	$4760	$801

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Car Insurance Rates with An Accident in Milton

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

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

The cheapest car insurance companies after an at-fault accident in Milton include Kemper and American Family, offering $426 and $437, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $530.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
American Family	$437	$74
NYCM	$530	$89
Erie	$580	$98
Chubb	$639	$107
Progressive	$699	$118
New York Central Mutual Fire	$809	$135
USAA	$868	$146
Nationwide	$1306	$218
Allstate	$1317	$222
State Farm	$1591	$268
Travelers	$1617	$272
Utica National	$524	$89
Preferred Mutual	$530	$88

Milton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milton NY. For example, the car insurance in Milton after a DUI increases to $656 for a six month policy. While the rate increases by $104 for a six-month policy in the case of a speeding ticket.

Milton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1153	$192
One Med/PIP claim	$1153	$196
One comp claim	$1164	$194
Two comp claims	$1175	$200
Two Med/PIP claims	$1175	$196
Not-at-fault accident	$1180	$201
Failure to show documents	$1197	$200
Failure to wear a seat belt	$1202	$204
Driving with expired registration	$1213	$202
At-fault accident - less than $1000	$1219	$207
Cell phone violation	$1219	$203
Child safety restraint	$1219	$207
Driving without lights	$1219	$203
Failure to stop at a red light	$1219	$207
Failure to yield	$1219	$203
Following too closely	$1219	$207
Illegal turn	$1219	$203
Improper passing	$1219	$207
Passing school bus	$1219	$203
Texting while driving	$1219	$207
Wrong way/wrong lane	$1219	$203
Driving too slowly	$1230	$209
Speeding in school zone	$1230	$205
At-fault accident - $1000-$2000	$1235	$210
Speeding 11 - 15 MPH over limit	$1257	$210
Speeding 6 - 10 MPH over limit	$1257	$213
Operating a vehicle without permission	$1279	$213
Open container	$1295	$220
In 65 MPH zone	$1350	$225
Speeding 16 - 20 MPH over limit	$1366	$233
Speeding 21 - 25 MPH over limit	$1415	$236
At-fault accident - greater than $2000	$1524	$259
Reckless driving	$1628	$271
Racing	$1694	$288
Driving with a suspended license	$1754	$293
Refusal to submit to a chemical test	$1792	$305
DUI	$1809	$302
Leaving scene of an accident/hit and run	$1836	$312

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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 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.

The cheapest car insurance premiums in Milton are offered by American Family at $415 for a six-month policy. However, it can be as expensive as $1853 with companies like State Farm.

Milton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$415	$70
Kemper	$437	$75
Progressive	$530	$89
NYCM	$667	$112
New York Central Mutual Fire	$983	$164
USAA	$1049	$177
Allstate	$1558	$262
Travelers	$1601	$270
Nationwide	$1623	$270
State Farm	$1853	$312

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 are offered by American Family at $366. However, it can be as expensive as $1880 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Milton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$366	$63
Kemper	$366	$61
Progressive	$454	$76
NYCM	$606	$101
USAA	$825	$141
Nationwide	$1137	$190
State Farm	$1230	$209
Travelers	$1798	$300
Allstate	$1880	$319

Car Insurance Price Trends in Milton, New York

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

The average cost of full coverage in the Milton dipped by $227 in December compared to $228 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 Milton dipped to $78 in December, compared to $81 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 Milton?

The car insurance in Milton is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Milton?

The cheapest car insurance in Milton is $86 per month for full coverage.

How much is car insurance in Milton for teenagers?

Car insurance for teenagers costs $344 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?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $159 per month to insure your car in Milton.

Is car insurance expensive in Milton?

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

Cheapest Car Insurance Quotes in Milton

Why you can trust Way?

How Much Is Car Insurance in Milton

Avg. Car Insurance in Milton

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Milton

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Milton Car Insurance Rates by Company

Cheap Car Insurance Companies in Milton, NY

Way's key takeaways about car insurance in Milton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milton

Cheapest Liability Coverage in Milton, NY

Cheapest Full Coverage Car Insurance in Milton

Cheapest Full Coverage Car Insurance Quotes in Milton, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milton by Rating Factor

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

Car Insurance Premiums by Age in Milton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milton,NY

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

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 Milton

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

Milton Car Insurance Rates by Violation

Milton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milton after a DUI

Milton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milton after Speeding ticket

Car Insurance Price Trends in Milton, New York

Average Car Insurance Cost in Milton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milton, NY

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

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