Cheapest Car Insurance Quotes in Milltown

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Milltown Car Insurance

^$ 24

/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 Milltown

The car insurance rate in Milltown is $885 for a six-month policy, which is $135 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Milltown 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 Milltown

$885

Avg. Car Insurance in Wisconsin

$750

National Average

$1278

Cheapest Car Insurance Companies in Milltown

1st place: AAA

At $329 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $491 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $539 for six months, making it the third cheapest auto insurance company in Milltown.

Milltown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Milltown, WI is AAA, offering policies at just $329 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $491.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1661 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Milltown drivers find the best deals.

Cheap Car Insurance Companies in Milltown, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
West Bend Mutual	$491	$81
IMT Insurance Company	$539	$92
Auto-Owners Insurance Co	$546	$91
Chubb	$561	$96
Travelers	$624	$105
American Family	$631	$106
Erie	$771	$130
USAA	$820	$138
Acuity	$841	$142
Rockford Mutual	$890	$151
Nationwide	$961	$162
Rural Mutual	$989	$168
Auto-Owners	$1121	$186
West Bend	$1135	$194
State Farm	$1199	$202
Farmers	$1233	$210
Allstate	$1479	$249
Progressive	$1661	$280

Key Takeaways

Way's key takeaways about car insurance in Milltown

The auto insurance costs in Milltown fall around $329 for six months.
The cheapest auto insurance company in Milltown is AAA.
Teen drivers pay the highest rate in Milltown at $765 per month.

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Cheapest Minimum Liability Car Insurance in Milltown

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 Milltown are given below.

AAA provides the cheapest minimum car insurance coverage in Milltown. Their Average 6 Month Premium is $140. Allstate is the most expensive at $539 for the same period.

Cheapest Liability Coverage in Milltown, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$140	$24
Rural Mutual	$155	$26
Western National	$169	$28
Erie	$189	$32
USAA	$196	$33
West Bend Mutual	$210	$35
Auto-Owners Insurance Co	$217	$37
Travelers	$231	$39
Acuity	$238	$40
American Family	$238	$40
Chubb	$245	$41
Auto-Owners	$267	$45
Progressive	$281	$47
State Farm	$294	$50
West Bend	$329	$55
Farmers	$413	$71
Allstate	$539	$91

Cheapest Full Coverage Car Insurance in Milltown

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 Milltown is AAA at $55 per month and $329 for six months.

Cheapest Full Coverage Car Insurance Quotes in Milltown, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
West Bend Mutual	$491	$81
IMT Insurance Company	$539	$92
Auto-Owners Insurance Co	$546	$91
Chubb	$561	$96
Travelers	$624	$105
American Family	$631	$106
Erie	$771	$130
USAA	$820	$138
Acuity	$841	$142
Rockford Mutual	$890	$151
Nationwide	$961	$162
Rural Mutual	$989	$168
Auto-Owners	$1121	$186
West Bend	$1135	$194
State Farm	$1199	$202
Farmers	$1233	$210
Allstate	$1479	$249
Progressive	$1661	$280

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Average Car Insurance in Milltown 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 Milltown, WI increasing?

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

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

Car Insurance Premiums by Age in Milltown

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	$583
30s	USAA	$468
40s	USAA	$425
50s	USAA	$404
60s	USAA	$419
70s	USAA	$517

Cheapest Car Insurance Rates for Teen Drivers in Milltown,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Milltown at $39 per month. At $4542 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$231	$39
Travelers	$238	$40
Auto-Owners Insurance Co	$274	$46
Western National	$274	$46
West Bend Mutual	$308	$52
Erie	$1149	$194
USAA	$1213	$204
American Family	$1311	$221
West Bend	$2152	$366
State Farm	$2622	$441
Auto-Owners	$2692	$458
Acuity	$2902	$489
Allstate	$4318	$727
Farmers	$4521	$754
Progressive	$4542	$765

Teen Car Insurance Rates in WI by Age

Way Tip

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

As young drivers face the highest rates in Milltown, USAA offers the cheapest auto insurance rates at $583 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 Milltown, Western National 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 Milltown is AutoOwners, offering rates of around $4115 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
AAA	$196	$33
West Bend Mutual	$253	$42
Chubb	$281	$47
IMT Insurance Company	$281	$47
Travelers	$329	$55
American Family	$848	$143
Acuity	$1051	$177
Erie	$1128	$190
State Farm	$1276	$212
USAA	$1437	$244
West Bend	$1661	$277
Progressive	$1900	$320
Allstate	$2334	$389
Auto-Owners	$4115	$700

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Car Insurance Rates with An Accident in Milltown

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 Milltown, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Milltown include Western National and Rural Mutual, offering $176 and $203, respectively. Progressive is an expensive provider with an average six-month premium of $2775.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Rural Mutual	$203	$34
Auto-Owners Insurance Co	$267	$45
AAA	$274	$46
Chubb	$281	$47
Travelers	$281	$47
West Bend Mutual	$350	$59
West Bend	$596	$100
Erie	$624	$105
USAA	$715	$120
Auto-Owners	$813	$137
American Family	$883	$149
State Farm	$1058	$178
Acuity	$1290	$217
Farmers	$1696	$283
Allstate	$2215	$373
Progressive	$2775	$467

Milltown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Milltown WI. For example, the car insurance in Milltown after a DUI increases to $932 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Milltown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$168
One Med/PIP claim	$1009	$171
Not-at-fault accident	$1051	$176
One comp claim	$1066	$182
Two Med/PIP claims	$1080	$179
Failure to show documents	$1094	$186
Driving with expired registration	$1121	$186
Failure to wear a seat belt	$1128	$192
Two comp claims	$1149	$191
Driving without lights	$1192	$203
Child safety restraint	$1199	$199
Speeding 6 - 10 MPH over limit	$1206	$205
At-fault accident - less than $1000	$1220	$203
Cell phone violation	$1227	$209
Driving too slowly	$1233	$205
Failure to yield	$1233	$210
Speeding in school zone	$1233	$205
Illegal turn	$1240	$211
Speeding 11 - 15 MPH over limit	$1240	$207
Speeding 16 - 20 MPH over limit	$1240	$211
Texting while driving	$1240	$207
Wrong way/wrong lane	$1240	$211
Failure to stop at a red light	$1254	$209
Following too closely	$1254	$214
Improper passing	$1290	$215
Passing school bus	$1311	$223
In 65 MPH zone	$1381	$230
At-fault accident - $1000-$2000	$1437	$244
Speeding 21 - 25 MPH over limit	$1437	$240
Operating a vehicle without permission	$1444	$245
At-fault accident - greater than $2000	$1451	$242
Open container	$1464	$249
Reckless driving	$1893	$315
Racing	$1900	$323
Refusal to submit to a chemical test	$1914	$319
Driving with a suspended license	$1921	$327
Leaving scene of an accident/hit and run	$1928	$321
DUI	$1934	$329

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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 Milltown 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 Milltown.

The cheapest car insurance premiums in Milltown are offered by Western National at $176 for a six-month policy. However, it can be as expensive as $2579 with companies like Acuity.

Milltown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Chubb	$281	$47
Travelers	$329	$55
Kemper	$400	$66
West Bend	$820	$138
Erie	$870	$146
American Family	$904	$152
USAA	$939	$158
State Farm	$1374	$231
Progressive	$1521	$256
Farmers	$1633	$277
Allstate	$1774	$299
Auto-Owners	$1843	$314
Acuity	$2579	$430

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 Milltown are offered by Western National at $176. However, it can be as expensive as $1802 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Milltown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
AAA	$224	$38
Auto-Owners Insurance Co	$245	$41
Travelers	$274	$46
Chubb	$281	$47
West Bend Mutual	$322	$54
Erie	$596	$100
American Family	$624	$105
State Farm	$806	$136
USAA	$856	$145
Acuity	$1030	$173
Auto-Owners	$1121	$191
West Bend	$1283	$214
Allstate	$1703	$289
Progressive	$1802	$303

Car Insurance Price Trends in Milltown, Wisconsin

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

The average cost of full coverage in the Milltown remained steady at $185 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Milltown remained steady at $41 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Milltown?

The car insurance in Milltown is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Milltown?

The cheapest car insurance in Milltown is $55 per month for full coverage.

How much is car insurance in Milltown for teenagers?

Car insurance for teenagers costs $231 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 Milltown?

The average cost of car insurance is $750 for a six-month policy. It will cost around $149 per month to insure your car in Milltown.

Is car insurance expensive in Milltown?

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

Cheapest Car Insurance Quotes in Milltown

Why you can trust Way?

How Much Is Car Insurance in Milltown

Avg. Car Insurance in Milltown

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Milltown

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Milltown Car Insurance Rates by Company

Cheap Car Insurance Companies in Milltown, WI

Way's key takeaways about car insurance in Milltown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Milltown

Cheapest Liability Coverage in Milltown, WI

Cheapest Full Coverage Car Insurance in Milltown

Cheapest Full Coverage Car Insurance Quotes in Milltown, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Milltown by Rating Factor

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

Car Insurance Premiums by Age in Milltown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Milltown,WI

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

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 Milltown

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

Milltown Car Insurance Rates by Violation

Milltown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Milltown after a DUI

Milltown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Milltown after Speeding ticket

Car Insurance Price Trends in Milltown, Wisconsin

Average Car Insurance Cost in Milltown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Milltown, WI

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

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