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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 $842 for a six-month policy, which is $55 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, 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 $394 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners
AutoOwners offers auto
insurance rates at $407 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American National P&C
American National P&C offers auto insurance
rates at $547
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, PA is AutoOwners Insurance Co, offering policies at just $394 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $407.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1436 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 $394 for six
months.
The cheapest auto insurance company in New Milford is AutoOwners.
Teen drivers pay the highest rate in New Milford at $670 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.
AutoOwners provides
the cheapest minimum car insurance
coverage in New Milford. Their Average 6 Month Premium is $82.
Allstate is the most
expensive at $528 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 AutoOwners Insurance Co
at $65 per month and $394
for six months.
Cheapest Full Coverage Car Insurance Quotes in New Milford,
PA
Get Your Car Insurance Quote in New Milford
Instantly!
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, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in New 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, 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
20s
Travelers
$603
30s
Travelers
$417
40s
Travelers
$393
50s
Travelers
$376
60s
Travelers
$376
70s
Travelers
$442
Cheapest Car Insurance Rates for Teen Drivers in
New Milford,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the New Milford at $27
per
month. At $3941 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in New Milford.
As young drivers face the highest rates in New Milford, Travelers
offers the cheapest auto insurance rates at $603 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,
Westfield is
the cheapest car insurance provider. At $248 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 State Farm, offering
rates of around $3413 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, PA,
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 AutoOwners
and Westfield, offering $82
and $223,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1449.
Here is a list of driving violations that can increase your car
insurance rates in New Milford PA. For example, the car
insurance in New Milford
after a DUI increases to $1068 for a six
month policy. While the rate increases by $1176 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
$1176
$196
Cell phone violation
$1373
$233
Failure to wear a seat belt
$1373
$229
Failure to stop at a red light
$1386
$235
Illegal turn
$1386
$231
Improper passing
$1386
$235
Speeding in school zone
$1386
$231
Texting while driving
$1386
$235
Driving with expired registration
$1392
$232
Speeding 16 - 20 MPH over limit
$1392
$236
Wrong way/wrong lane
$1405
$234
Open container
$1487
$253
Reckless driving
$2168
$362
Racing
$2205
$375
DUI
$2244
$373
Driving with a suspended license
$2257
$384
Leaving scene of an accident/hit and run
$2276
$379
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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 National P&C at $343 for a six-month policy.
However, it can be as
expensive as $2663 with companies
like Nationwide.
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 Westfield
at $134. However,
it can be as expensive as $1723
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in New Milford after Speeding ticket
Car Insurance Price Trends in New Milford,
Pennsylvania
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
$179 in December
compared to $172 of November. In other words, there has been an increase by $7 when you
compare December and November.
The average cost of liability insurance in the New Milford remained steady at $40 in both December and November, indicating no change over the two month period.
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 $1684 for a
six-month policy, insuring
your car at 18834 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 $14 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 $65 per month
for full coverage.
How much is car insurance in New Milford for teenagers?
Car insurance for teenagers costs $159 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 $787 for a six-month
policy. It will cost around $141 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,
PA?
The best car insurance company in New Milford
PA is
AutoOwners Insurance Co, offering $394 for a
six-month policy.
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Find Car Insurance Rates in Cities Near New Milford, PA
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New Milford Car Insurance
