Best Cheap Auto Insurance in Milton, KY (2021)

The average Milton, KY auto insurance rates are $384 per month. The minimum auto insurance in Milton is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Milton, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Milton for teen drivers is Travelers
  • The cheapest auto insurance company in Milton is USAA
  • The average commute length in Milton is 23.3 minutes

Milton, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Milton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Milton, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Milton to other Kentucky cities, including Elizabeth auto insurance rates, Nicholasville auto insurance rates, and Florence auto insurance rates to see how Milton, Kentucky auto insurance rates stack up.

Before you buy Milton, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Milton, Kentucky auto insurance quotes.

Minimum Auto Insurance in Milton, Kentucky

Milton, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Milton, Kentucky.

Minimum Required Auto Insurance Coverage in Milton, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Milton, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Milton, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Milton, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,216 $3,183 $2,899 $3,095 $12,005 $13,493 $3,571 $3,779
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,831 $3,065 $2,380 $2,660 $12,329 $13,664 $2,977 $3,123
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,251 $2,152 $2,010 $2,023 $10,763 $12,195 $2,796 $2,872
State Farm $2,297 $2,297 $2,053 $2,053 $7,006 $8,847 $2,566 $2,891
Travelers $2,292 $2,332 $2,255 $2,258 $11,081 $17,783 $2,397 $2,764
USAA $1,982 $1,993 $1,779 $1,819 $5,206 $5,502 $2,512 $2,760

Cheap Milton, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Milton, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Milton, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Milton, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,005 $13,493
GEICO $7,170 $8,568
Liberty Mutual $12,329 $13,664
Nationwide $7,450 $9,339
Progressive $10,763 $12,195
State Farm $7,006 $8,847
Travelers $11,081 $17,783
USAA $5,206 $5,502

Cheap Milton, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Milton, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Milton, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,899 $3,095
GEICO $3,742 $3,389
Liberty Mutual $2,380 $2,660
Nationwide $2,972 $3,117
Progressive $2,010 $2,023
State Farm $2,053 $2,053
Travelers $2,255 $2,258
USAA $1,779 $1,819

Cheap Milton, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Milton, Kentucky compared to the annual auto insurance rates with a clean record in Milton, Kentucky.

Annual Milton, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,686 $6,120 $6,527 $5,288
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,479 $6,906 $5,367 $4,761
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,834 $5,659 $4,374 $4,664
State Farm $3,420 $4,083 $3,751 $3,751
Travelers $4,702 $4,837 $6,998 $5,044
USAA $2,219 $3,142 $3,746 $2,670

Cheap Milton, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Milton, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Milton, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Milton, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,527
GEICO $7,199
Liberty Mutual $5,367
Nationwide $6,064
Progressive $4,374
State Farm $3,751
Travelers $6,998
USAA $3,746

Cheap Milton, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Milton, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Milton, Kentucky

Insurance Company Poor Fair Good
Allstate $7,476 $5,174 $4,314
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,689 $4,725 $3,722
Nationwide $5,647 $4,437 $3,858
Progressive $5,188 $4,510 $4,200
State Farm $5,435 $3,272 $2,547
Travelers $6,018 $5,094 $5,074
USAA $4,399 $2,446 $1,988

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Cheap Milton, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Milton, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Milton, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Milton, Kentucky

ZIP Code Average Annual Rates
40045 $4,127

Cheap Milton, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Milton, Kentucky auto insurance. Find the cheapest annual Milton, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Milton, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,655 $5,655
GEICO $4,371 $4,456
Liberty Mutual $5,378 $5,378
Nationwide $4,647 $4,647
Progressive $4,633 $4,633
State Farm $3,661 $3,841
Travelers $5,395 $5,395
USAA $2,835 $3,054

Cheap Milton, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Milton, Kentucky? Check out the comparison of annual Milton, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Milton, Kentucky

Insurance Company Low Medium High
Allstate $5,284 $5,634 $6,046
GEICO $4,176 $4,404 $4,660
Liberty Mutual $5,151 $5,350 $5,634
Nationwide $4,735 $4,596 $4,611
Progressive $4,292 $4,577 $5,029
State Farm $3,563 $3,751 $3,939
Travelers $5,120 $5,420 $5,646
USAA $2,827 $2,938 $3,068

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Best By Category: Cheapest Auto Insurance in Milton, Kentucky

Compare the cheapest auto insurance companies in Milton, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Milton, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Milton, Kentucky Auto Insurance Companies

What auto insurance companies in Milton, Kentucky are the cheapest? Compare the top Milton, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Milton, Kentucky

Insurance Company Average Annual Rates
Allstate $5,655
GEICO $4,413
Liberty Mutual $5,378
Nationwide $4,647
Progressive $4,633
State Farm $3,751
Travelers $5,395
USAA $2,944

What affects auto insurance rates in Milton, Kentucky?

There are a lot of reasons why auto insurance rates in Milton, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Milton, Kentucky. Many local factors may affect your Milton auto insurance rates.

Milton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Milton, Kentucky commute length is 23.3 minutes according to City-Data.

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Compare Milton, Kentucky Auto Insurance Quotes

Before you buy Milton, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Milton, Kentucky auto insurance quotes.

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