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How much is car insurance in Millington?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $14 a month more expensive to insure your vehicle in Millington than it is in the rest of Tennessee.
Compared to the rest of the country, auto insurance in Millington is more affordable. Auto insurance coverage in Millington is about $14 cheaper than it is for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Millington, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 premium.
We've broken down the average rates for Millington to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, 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 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in Millington.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Millington, the difference comes out to about $27 per month. As illustrated in the table above, male drivers in the area pay about $81 on average, while female drivers pay around $54 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Millington with a single accident on their record will usually see rates around $116 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $57.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$128|
|15 Years or Older||$67|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Millington, with drivers paying around $56 per month for auto insurance.
SUV drivers will see rates of about $60, while the rates for car owners average out to about $76 a month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Millington are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Millington as well, where the difference is around $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Millington. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Millington, TN
Recent trends in car insurance for Millington drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Millington decreased from 2017-2018, but started to rise from 2019-2020, when they hit a high of $75. Insurance rates finished up in 2022, at $128 per month.
How does Millington compare to neighboring areas?
Why are car insurance rates in Millington different from other areas?
There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Crime rates
- Access to off-street parking
- Total number of drivers in the region
- Regional laws
- Number of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Millington?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! 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 loads of the car insurance companies that offer auto 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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Millington different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Millington?
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 Millington?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Millington 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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