Cheapest Car Insurance Quotes in Miller City

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Miller City Car Insurance

^$ 18

/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 Miller City

The car insurance rate in Miller City is $646 for a six-month policy, which is $97 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $207, making it a popular choice for budget-conscious drivers. Rates in Miller City 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 Miller City

$646

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Miller City

1st place: American Family

At $207 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $331 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $517 for six months, making it the third cheapest auto insurance company in Miller City.

Miller City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Miller City, OH is American Family, offering policies at just $207 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $331.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $992 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Miller City drivers find the best deals.

Cheap Car Insurance Companies in Miller City, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$207	$35
Auto-Owners Insurance Co	$331	$55
Travelers	$517	$88
State Farm	$527	$88
Hastings Mutual	$538	$91
USAA	$543	$91
Erie	$563	$95
Nationwide	$594	$100
Central Mutual	$626	$106
Progressive	$651	$110
Auto-Owners	$703	$119
Farmers	$765	$128
Westfield	$900	$153
Cincinnati	$940	$157
Grange	$956	$163
Allstate	$992	$167

Key Takeaways

Way's key takeaways about car insurance in Miller City

The auto insurance costs in Miller City fall around $207 for six months.
The cheapest auto insurance company in Miller City is American Family.
Teen drivers pay the highest rate in Miller City at $615 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 Miller City

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 Miller City are given below.

American Family provides the cheapest minimum car insurance coverage in Miller City. Their Average 6 Month Premium is $109. Allstate is the most expensive at $392 for the same period.

Cheapest Liability Coverage in Miller City, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$109	$18
Central Mutual	$119	$20
Auto-Owners Insurance Co	$130	$22
USAA	$150	$25
Erie	$160	$27
Westfield	$160	$27
State Farm	$171	$29
Progressive	$197	$33
Auto-Owners	$217	$37
Travelers	$217	$37
Nationwide	$264	$44
Farmers	$290	$48
Grange	$341	$58
Cincinnati	$362	$60
Allstate	$392	$66

Cheapest Full Coverage Car Insurance in Miller City

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 Miller City is American Family at $35 per month and $207 for six months.

Cheapest Full Coverage Car Insurance Quotes in Miller City, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$207	$35
Auto-Owners Insurance Co	$331	$55
Travelers	$517	$88
State Farm	$527	$88
Hastings Mutual	$538	$91
USAA	$543	$91
Erie	$563	$95
Nationwide	$594	$100
Central Mutual	$626	$106
Progressive	$651	$110
Auto-Owners	$703	$119
Farmers	$765	$128
Westfield	$900	$153
Cincinnati	$940	$157
Grange	$956	$163
Allstate	$992	$167

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Average Car Insurance in Miller City 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 Miller City, OH increasing?

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

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

Car Insurance Premiums by Age in Miller City

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	USAA	$494
30s	USAA	$350
40s	USAA	$317
50s	USAA	$293
60s	USAA	$308
70s	USAA	$373

Cheapest Car Insurance Rates for Teen Drivers in Miller City,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Miller City at $19 per month. At $3617 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$114	$19
USAA	$698	$117
Erie	$801	$135
Travelers	$935	$157
Westfield	$1044	$176
Progressive	$1504	$253
Nationwide	$1917	$323
Auto-Owners	$2046	$341
Allstate	$2093	$352
State Farm	$2145	$358
Cincinnati	$2718	$462
Grange	$2744	$458
Farmers	$3617	$615

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Miller City.

As young drivers face the highest rates in Miller City, USAA offers the cheapest auto insurance rates at $494 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 Miller City, American Family is the cheapest car insurance provider. At $176 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 Miller City is AutoOwners, offering rates of around $1964 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$176	$30
Progressive	$646	$109
Nationwide	$744	$125
USAA	$760	$127
Grange	$770	$130
Erie	$786	$132
Westfield	$920	$155
Cincinnati	$1422	$237
Allstate	$1695	$288
Auto-Owners	$1964	$327

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Miller City.

Car Insurance Rates with An Accident in Miller City

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 Miller City, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Miller City

The cheapest car insurance companies after an at-fault accident in Miller City include Central Mutual and American Family, offering $119 and $134, respectively. State Farm is an expensive provider with an average six-month premium of $3969.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$119	$20
American Family	$134	$23
Auto-Owners Insurance Co	$207	$35
Erie	$367	$62
Westfield	$548	$92
Nationwide	$744	$125
Travelers	$796	$134
USAA	$1075	$181
Auto-Owners	$1116	$188
Grange	$1173	$199
Progressive	$1705	$287
Cincinnati	$1752	$298
Allstate	$2088	$351
State Farm	$3969	$675

Miller City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Miller City OH. For example, the car insurance in Miller City after a DUI increases to $605 for a six month policy. While the rate increases by $134 for a six-month policy in the case of a speeding ticket.

Miller City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$636	$106
One Med/PIP claim	$651	$110
Not-at-fault accident	$661	$110
One comp claim	$677	$115
Two Med/PIP claims	$677	$113
Two comp claims	$708	$120
Failure to show documents	$713	$119
Driving without lights	$729	$124
Failure to wear a seat belt	$729	$122
Child safety restraint	$744	$126
Driving with expired registration	$744	$124
Driving too slowly	$770	$131
Speeding 11 - 15 MPH over limit	$770	$129
Speeding 6 - 10 MPH over limit	$770	$131
Speeding in school zone	$770	$129
Cell phone violation	$775	$132
Failure to yield	$775	$130
Following too closely	$775	$132
Illegal turn	$775	$130
Texting while driving	$775	$132
Wrong way/wrong lane	$775	$130
Failure to stop at a red light	$780	$133
Improper passing	$786	$131
Speeding 16 - 20 MPH over limit	$786	$134
At-fault accident - less than $1000	$812	$135
Passing school bus	$817	$139
Speeding 21 - 25 MPH over limit	$837	$139
In 65 MPH zone	$847	$144
At-fault accident - $1000-$2000	$935	$156
At-fault accident - greater than $2000	$940	$160
Open container	$940	$157
Operating a vehicle without permission	$946	$161
Reckless driving	$1199	$200
Racing	$1220	$207
Refusal to submit to a chemical test	$1220	$204
Driving with a suspended license	$1230	$209
DUI	$1241	$207
Leaving scene of an accident/hit and run	$1276	$217

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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 Miller City 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 Miller City.

The cheapest car insurance premiums in Miller City are offered by American Family at $134 for a six-month policy. However, it can be as expensive as $2299 with companies like Cincinnati.

Miller City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Travelers	$429	$72
Progressive	$517	$87
Erie	$532	$90
USAA	$605	$102
State Farm	$832	$142
Nationwide	$951	$160
Farmers	$1034	$176
Auto-Owners	$1328	$221
Allstate	$1359	$229
Grange	$1535	$256
Westfield	$1995	$339
Cincinnati	$2299	$384

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 Miller City are offered by American Family at $134. However, it can be as expensive as $1369 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Miller City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Auto-Owners Insurance Co	$134	$23
Erie	$383	$64
Progressive	$532	$90
USAA	$548	$91
Westfield	$615	$104
Nationwide	$620	$104
Auto-Owners	$703	$119
Cincinnati	$1111	$185
Allstate	$1297	$221
Grange	$1369	$228

Car Insurance Price Trends in Miller City, Ohio

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

The average cost of full coverage in the Miller City rose by $130 in January compared to $104 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Miller City rose to $34 in January, compared to $31 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Miller City?

The car insurance in Miller City is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Miller City?

The cheapest car insurance in Miller City is $35 per month for full coverage.

How much is car insurance in Miller City for teenagers?

Car insurance for teenagers costs $114 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 Miller City?

The average cost of car insurance is $743 for a six-month policy. It will cost around $109 per month to insure your car in Miller City.

Is car insurance expensive in Miller City?

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

Cheapest Car Insurance Quotes in Miller City

Why you can trust Way?

How Much Is Car Insurance in Miller City

Avg. Car Insurance in Miller City

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Miller City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Miller City Car Insurance Rates by Company

Cheap Car Insurance Companies in Miller City, OH

Way's key takeaways about car insurance in Miller City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Miller City

Cheapest Liability Coverage in Miller City, OH

Cheapest Full Coverage Car Insurance in Miller City

Cheapest Full Coverage Car Insurance Quotes in Miller City, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Miller City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Miller City, OH increasing?

Car Insurance Premiums by Age in Miller City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Miller City,OH

If you are in your twenties USAA is the best choice for car insurance in Miller City.

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 Miller City

Cheapest Car Insurance Companies after an At-Fault Accident in Miller City

Miller City Car Insurance Rates by Violation

Miller City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Miller City after a DUI

Miller City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Miller City after Speeding ticket

Car Insurance Price Trends in Miller City, Ohio

Average Car Insurance Cost in Miller City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Miller City, OH

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

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