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How much is car insurance in Milton?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Florida, coverage in Milton is about $27 a month cheaper.
Compared to the national average cost of auto coverage, Milton has higher rates. It's around $16 more expensive for coverage in Milton than the average rates seen in the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Milton, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down average rates for Milton residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Milton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Milton may see their rates creep back up once they hit retirement age.
Milton Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Milton defies this trend. Female drivers typically pay around $4 more per month for insurance coverage than their male counterparts.
Milton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Milton, having a single accident on your record will usually get you rates around $138 a month. Similarly, drivers with one ticket will typically pay around $142 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Milton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$96|
In terms of affordable coverage, the cheapest vehicles to insure in Milton are typically trucks and vans, at $85 per month.
SUV drivers will see rates of about $93, while the rates for car owners average out to about $102 a month.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Milton, the most expensive vehicles to insure are vehicles six-to-seven years old.
Milton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
On average, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Milton reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Milton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 less than drivers who own property in Milton. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Milton, FL
Recent trends in car insurance for Milton drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Milton, the rates for car insurance declined from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $94.
How does Milton compare to neighboring areas?
Why are car insurance rates in Milton different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Amount of drivers
- Rate of car accidents
- Crime levels
- Area regulations
- Off-street parking access
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Milton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Milton.
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Milton Auto Insurance FAQs
What factors affect car insurance quotes in Milton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Milton different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Milton?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Milton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Milton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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