Cheapest Car Insurance Quotes in Milford

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Milford Car Insurance

^$ 30

/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 Milford

The car insurance rate in Milford is $1000 for a six-month policy, which is $187 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $453, making it a popular choice for budget-conscious drivers. Rates in 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.

Avg. Car Insurance in Milford

$1000

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Milford

1st place: AutoOwners Insurance Co

At $453 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $629 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $753 for six months, making it the third cheapest auto insurance company in Milford.

Milford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milford, PA is AutoOwners Insurance Co, offering policies at just $453 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $629.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1198 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milford drivers find the best deals.

Cheap Car Insurance Companies in Milford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$453	$75
American National P&C	$629	$107
Westfield	$753	$125
Travelers	$811	$137
Erie	$986	$166
Nationwide	$1148	$193
State Farm	$1169	$197
Allstate	$1300	$219
USAA	$1381	$232
Progressive	$1717	$289
Auto-Owners	$467	$80
Encompass	$1198	$199

Key Takeaways

Way's key takeaways about car insurance in Milford

The auto insurance costs in Milford fall around $453 for six months.
The cheapest auto insurance company in Milford is Westfield.
Teen drivers pay the highest rate in Milford at $894 per month.

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Cheapest Minimum Liability Car Insurance in 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 Milford are given below.

Westfield provides the cheapest minimum car insurance coverage in Milford. Their Average 6 Month Premium is $176. AutoOwners is the most expensive at $95 for the same period.

Cheapest Liability Coverage in Milford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$176	$30
Auto-Owners Insurance Co	$183	$31
Erie	$234	$39
American National P&C	$241	$41
Chubb	$256	$43
Travelers	$271	$46
USAA	$321	$54
State Farm	$336	$57
Nationwide	$431	$73
Progressive	$490	$82
Allstate	$658	$111
Auto-Owners	$95	$16

Cheapest Full Coverage Car Insurance in 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 Milford is AutoOwners Insurance Co at $75 per month and $453 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$453	$75
American National P&C	$629	$107
Westfield	$753	$125
Travelers	$811	$137
Erie	$986	$166
Nationwide	$1148	$193
State Farm	$1169	$197
Allstate	$1300	$219
USAA	$1381	$232
Progressive	$1717	$289
Auto-Owners	$467	$80
Encompass	$1198	$199

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Average Car Insurance in 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 Milford, PA increasing?

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

Additionally, 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 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

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Cheapest Car Insurance Rates for Teen Drivers in Milford,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Milford at $31 per month. At $5363 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
Auto-Owners Insurance Co	$212	$36
American National P&C	$278	$47
Chubb	$306	$52
Erie	$1257	$212
Travelers	$1446	$244
State Farm	$2082	$351
USAA	$2433	$413
Allstate	$3171	$529
Progressive	$3178	$540
Nationwide	$5363	$894

Teen Car Insurance Rates in PA by Age

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 Milford, Westfield is the cheapest car insurance provider. At $285 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 Milford is State Farm, offering rates of around $5830 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$285	$48
Auto-Owners Insurance Co	$293	$49
Chubb	$343	$58
American National P&C	$387	$66
USAA	$1250	$208
Nationwide	$1300	$219
Erie	$2279	$380
Allstate	$2747	$467
Travelers	$2995	$499
Progressive	$3347	$569
State Farm	$5830	$972

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Car Insurance Rates with An Accident in 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 Milford, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Milford include Westfield and AutoOwners Insurance Co, offering $256 and $293, respectively. Donegal is an expensive provider with an average six-month premium of $285.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$256	$43
Auto-Owners Insurance Co	$293	$49
Chubb	$343	$58
American National P&C	$351	$59
Erie	$584	$98
State Farm	$679	$114
Travelers	$811	$137
USAA	$1052	$177
Nationwide	$1615	$274
Allstate	$1665	$278
Progressive	$1973	$336
Auto-Owners	$95	$16
Donegal	$285	$48

Milford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milford PA. For example, the car insurance in Milford after a DUI increases to $1227 for a six month policy. While the rate increases by $1352 for a six-month policy in the case of a speeding ticket.

Milford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1352	$225
Cell phone violation	$1578	$268
Failure to wear a seat belt	$1578	$263
Failure to stop at a red light	$1593	$271
Illegal turn	$1593	$266
Improper passing	$1593	$271
Speeding in school zone	$1593	$266
Texting while driving	$1593	$271
Driving with expired registration	$1600	$267
Speeding 16 - 20 MPH over limit	$1600	$272
Wrong way/wrong lane	$1615	$269
Open container	$1710	$290
Reckless driving	$2492	$416
Racing	$2535	$431
DUI	$2579	$429
Driving with a suspended license	$2594	$442
Leaving scene of an accident/hit and run	$2616	$435

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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 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 Milford.

The cheapest car insurance premiums in Milford are offered by American National P&C at $395 for a six-month policy. However, it can be as expensive as $3397 with companies like Nationwide.

Milford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$395	$65
Travelers	$847	$143
Erie	$1059	$178
Allstate	$1176	$198
Progressive	$1285	$216
State Farm	$1498	$252
USAA	$1506	$253
Nationwide	$3397	$572

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 Milford are offered by Westfield at $154. However, it can be as expensive as $2368 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Milford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
Auto-Owners Insurance Co	$197	$33
Erie	$679	$114
State Farm	$870	$146
Travelers	$942	$159
USAA	$1396	$232
Allstate	$1665	$283
Progressive	$2002	$333
Nationwide	$2368	$402

Car Insurance Price Trends in Milford, Pennsylvania

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

The average cost of full coverage in the Milford rose by $225 in January compared to $208 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Milford rose to $55 in January, compared to $47 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Milford?

The car insurance in Milford is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Milford?

The cheapest car insurance in Milford is $75 per month for full coverage.

How much is car insurance in Milford for teenagers?

Car insurance for teenagers costs $183 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 Milford?

The average cost of car insurance is $813 for a six-month policy. It will cost around $167 per month to insure your car in Milford.

Is car insurance expensive in Milford?

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

Cheapest Car Insurance Quotes in Milford

Why you can trust Way?

How Much Is Car Insurance in Milford

Avg. Car Insurance in Milford

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Milford

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Milford Car Insurance Rates by Company

Cheap Car Insurance Companies in Milford, PA

Way's key takeaways about car insurance in Milford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milford

Cheapest Liability Coverage in Milford, PA

Cheapest Full Coverage Car Insurance in Milford

Cheapest Full Coverage Car Insurance Quotes in Milford, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milford by Rating Factor

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

Car Insurance Premiums by Age in Milford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milford,PA

If you are in your twenties N/A is the best choice for car insurance in Milford.

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 Milford

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

Milford Car Insurance Rates by Violation

Milford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milford after a DUI

Milford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milford after Speeding ticket

Car Insurance Price Trends in Milford, Pennsylvania

Average Car Insurance Cost in Milford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milford, PA

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

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