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Finding the cheapest car insurance quotes in New Milford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 New Milford
The car insurance rate in New Milford is $1390 for a six-month policy, which is $232 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $662, making it a popular choice for budget-conscious drivers. Rates in New Milford 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.
At $662 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 $877 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $934
for six months, making it
the third cheapest auto insurance company in New Milford.
New Milford Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in New Milford, NY is Kemper, offering policies at just $662 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $877.
At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2131 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Milford drivers find the best deals.
Way's key takeaways about car insurance in New Milford
The auto insurance costs in New Milford fall around $662 for six
months.
The cheapest auto insurance company in New Milford is New York Central Mutual Fire.
Teen drivers pay the highest rate in New Milford at $1072 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 New Milford
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 New Milford are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in New Milford. Their Average 6 Month Premium is $313.
Preferred Mutual is the most
expensive at $827 for the same
period.
Cheapest Full Coverage Car Insurance in New Milford
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 New Milford is Kemper
at $113 per month and $662
for six months.
Cheapest Full Coverage Car Insurance Quotes in New Milford,
NY
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Average Car Insurance in New Milford 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 New Milford, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in New Milford, 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, New Milford's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in New Milford
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
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Cheapest Car Insurance Rates for Teen Drivers in
New Milford,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the New Milford at $77
per
month. At $6365 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in New Milford.
As young drivers face the highest rates in New Milford, N/A
offers the cheapest auto insurance rates at $N/A 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 New Milford,
Kemper is
the cheapest car insurance provider. At $1006 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
New Milford is Progressive, offering
rates of around $6023 for six
months.
Save up to $971/yr on car insurance rates in New Milford.
Car Insurance Rates with An Accident in New Milford
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 New Milford, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in New Milford
The cheapest car insurance companies after an at-fault accident in
New Milford include Kemper
and American Family, offering $556
and $570,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$691.
Here is a list of driving violations that can increase your car
insurance rates in New Milford NY. For example, the car
insurance in New Milford
after a DUI increases to $855 for a six
month policy. While the rate increases by $135 for a six-month policy in the case of
a speeding ticket.
New Milford auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1504
$251
One Med/PIP claim
$1504
$256
One comp claim
$1518
$253
Two comp claims
$1532
$260
Two Med/PIP claims
$1532
$256
Not-at-fault accident
$1540
$262
Failure to show documents
$1561
$260
Failure to wear a seat belt
$1568
$266
Driving with expired registration
$1583
$264
At-fault accident - less than $1000
$1590
$270
Cell phone violation
$1590
$265
Child safety restraint
$1590
$270
Driving without lights
$1590
$265
Failure to stop at a red light
$1590
$270
Failure to yield
$1590
$265
Following too closely
$1590
$270
Illegal turn
$1590
$265
Improper passing
$1590
$270
Passing school bus
$1590
$265
Texting while driving
$1590
$270
Wrong way/wrong lane
$1590
$265
Driving too slowly
$1604
$272
Speeding in school zone
$1604
$268
At-fault accident - $1000-$2000
$1610
$274
Speeding 11 - 15 MPH over limit
$1639
$274
Speeding 6 - 10 MPH over limit
$1639
$278
Operating a vehicle without permission
$1668
$278
Open container
$1690
$287
In 65 MPH zone
$1760
$294
Speeding 16 - 20 MPH over limit
$1782
$304
Speeding 21 - 25 MPH over limit
$1846
$307
At-fault accident - greater than $2000
$1988
$338
Reckless driving
$2124
$354
Racing
$2209
$376
Driving with a suspended license
$2288
$382
Refusal to submit to a chemical test
$2338
$397
DUI
$2359
$394
Leaving scene of an accident/hit and run
$2395
$407
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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 New Milford 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 New Milford.
The cheapest car insurance premiums in
New Milford are
offered by American Family at $541 for a six-month policy.
However, it can be as
expensive as $2674 with companies
like Chubb.
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 New Milford are offered by American Family
at $478. However,
it can be as expensive as $3043
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in New Milford after Speeding ticket
Car Insurance Price Trends in New Milford,
New York
Car insurance rates in New Milford have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New Milford rose by
$330 in January
compared to $296 of December. In other words, there has been an increase by $34 when you
compare January and December.
The average cost of liability insurance in the New Milford dipped to $96 in January,
compared to $102 in December.
This represents an decrease of $6
when comparing January and December.
Average Car Insurance Cost in New Milford by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
New Milford. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in New Milford?
The car insurance in New Milford is $53 per month, which is lower than the national average.
What is the cheapest car insurance in New Milford?
The cheapest car insurance in New Milford
is $113 per month
for full coverage.
How much is car insurance in New Milford for teenagers?
Car insurance for teenagers costs $449 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
New Milford?
The average cost of car insurance is $1158 for a six-month
policy. It will cost around $233 per month to insure your
car in New Milford.
Is car insurance expensive in New Milford?
Car insurance can be expensive in New Milford if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in New Milford can be
affordable.
What is the best car insurance in New Milford,
NY?
The best car insurance company in New Milford
NY is
Kemper, offering $662 for a
six-month policy.
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New Milford Car Insurance
