Table of contents
How much is car insurance in Milton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Milton typically costs about $28 a month less than it does in the rest of Florida.
Compared to the national average cost of auto coverage, Milton has higher rates. Coverage in Milton is about $14 more expensive than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Milton, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've done the heavy lifting for you and broken down the average rate for Milton so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Milton may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in Milton men actually pay $90 per month for coverage while women pay $98.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Milton, a driving record with a single accident will usually get you a rate around $146 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $202 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$92|
The most affordable vehicles to insure in Milton are by and large trucks and vans, which run about $82 per month.
SUV drivers will see rates of about $91, while the rates for car owners average out to about $98 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Milton, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
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.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $2 less than those who own their own home in Milton. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Milton, FL
Recent trends in car insurance for Milton drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in Milton declined from 2016-2019, before steadying out in 2020. Insurance rates finished down in 2021, at $85 a month
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 an insurance policy, car insurance companies will evaluate a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Crime levels
- Number of car accidents
- Availability of off-street parking
- Number of drivers in the community
- Area laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Milton?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Milton.
Milton Insurance FAQs
What factors affect car insurance quotes in Milton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Milton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Milton?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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?