Millington, TN Car Insurance

On average, Millington drivers pay a monthly average rate of around $60 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How does Millington stack up to the rest of the area, or even Tennessee as a whole? What can Millington residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Millington?

Area Average Monthly Car Insurance Premium
Millington$60
TN$52
United States$80

Looking at the chart above, you can see that it is around $8 a month more expensive to insure your vehicle in Millington than it is in the rest of Tennessee.

Conversely, the expected monthly payments for an auto insurance policy in Millington are below the national average. The average monthly payment in Millington is about $20 cheaper than the rate for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Millington, that doesn't mean it's exactly 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 figuring out your monthly premium.

We've broken down average rates for Millington to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$62
35-44$56
45-54Not Enough Data
55-64$38
65+$46

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Millington.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$53

On average, female drivers pay slightly less than male drivers for car insurance. In Millington, this difference shakes out to about $13 per month. Based on the chart above, you can see that female drivers pay around $53 on average, while male drivers typically pay $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$95
Multiple Accidents$90
1 TicketNot Enough Data
Multiple Tickets$93

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Millington with a single accident will pay around $95 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$128
2-3 Years$40
4-5 Years$46
6-7 Years$55
8-10 Years$58
11-14 Years$61
15 Years or Older$61

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Millington, with drivers paying around $53 per month for insurance.

Car owners, on the other hand, by and large pay around $64 a month, while SUV drivers can expect to pay about $60 per month for insurance coverage.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Millington, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$49
Divorced$46
Widowed$61

On average, people who are married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Millington can be as much as $18 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$63
Live with parents$80

Another factor that comes into play is your living situation. Homeowners in Millington can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Millington, TN

Recent trends in car insurance for Millington drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

The cost of car insurance coverage in Millington rose from 2016-2018, when they hit a low of $46. This shifted in 2019, when policy premiums started to rise. They reached a high of $75 in 2020, and finished down in 2021, at $65 a month.

How does Millington compare to neighboring areas?

Why are car insurance rates in Millington different from other areas?

There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:

  • Total amount of drivers in the community
  • Area laws
  • Road Safety (frequency of car accidents)
  • Off-street parking accessibility
  • Crime levels

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Millington?

Equipping 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.

But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Millington.

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Millington Insurance FAQs

What factors affect car insurance quotes in Millington?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Millington different from other neighboring cities?

Things like local laws, parking situations, and crime rates, 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 Millington?

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 Millington?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Millington or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes