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Cheapest car insurance in Milton, Florida (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Milton, Florida.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Milton

If you're a driver looking for the
cheapest car insurance
in Milton,
Florida
, you're in luck—the annual auto insurance premiums in Milton are among the lowest in the state. State minimum coverage in Milton costs around $108 per month, and full coverage jumps to an average of $248 each month. 
While they come in cheaper than Florida’s averages, it's still a good idea to compare quotes to get the best rate.
Jerry
can help you find the best free quotes in Milton without long forms or phone calls, allowing you to compare coverage from some of the biggest providers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$91
Cecilia, 53
Zip: 32571
Chevrolet Silverado C1500
• No Coverage Liability
Safeco
$92
Marian, 61
Zip: 32583
Nissan Murano S
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$363
Eliza, 26
Zip: 32583
Volkswagen Passat SE
• State Minimum Liability
• Comp / Collision
Gainsco
$220
Ida, 18
Zip: 32570
Cadillac Deville
• No Coverage Liability
Infinity
$225
Jim, 27
Zip: 32570
Toyota Corolla
• State Minimum Liability
coverageLast Updated Nov 16, 2024

Cheapest Milton car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Milton can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Jonas, 25
94
35%
No
  • State Minimum Liability
  • Minimum Coverage
Alejandra, 34
77
24%
No
  • 100/300
  • Comp/Collision
Jean, 44
85
29%
No
  • State Minimum Liability
  • Minimum Coverage
Michelle, 54
97
38%
No
  • State Minimum Liability
  • Minimum Coverage
Eric, 64
67
22%
No
  • State Minimum Liability
  • Comp/Collision

Best car insurance companies in Milton

Most people looking for the best auto insurance company in Florida end up choosing
Progressive
, State Farm, or
Allstate
. However, it’s important to choose an insurance company based on your specific needs and priorities. 
According to Jerry’s national insurance shopping survey, Florida drivers gave
Travelers
top marks in affordability and customer service.
National General
was rated the best for their claims process.
Below are the scores for the biggest auto insurance companies in Milton:
Insurance companyOverall ratingPriceClaims experienceCustomer service
Liberty Mutual
4.6
4.2
4.7
4.5
Progressive
4.2
3.7
3.6
4.4
State Farm
4
3.3
3.7
4
Geico
3.9
3.1
3.4
4
USAA
3.9
2
N/A
4
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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Best cheap car insurance quotes in Milton

Understandably, most customers prioritize affordable car insurance, but sticking with the
state minimum insurance requirements
may not always be the best decision. While extra coverage options can increase your monthly premiums, opting for the lowest coverage can result in hefty bills down the line. Consider the costs and risks of different coverage levels before making an informed decision.

Cheap minimum liability insurance quotes in Milton

All Florida drivers must carry a car insurance policy with at least two types of coverage—
Personal Injury Protection (PIP)
and
Property Damage Liability coverage (PDL)
PIP means that if you or your passengers get hurt in an accident, your insurance will pay for medical expenses, no matter who was at fault. PDL covers damage to other people's property if you cause an accident.
Additionally,
Florida's car insurance laws
set minimum limits for each type of coverage. Your auto policy must have at least:
  • $10,000 of PIP coverage per accident
  • $10,000 of PDL coverage per accident
Jerry helped drivers in Milton find the following deals for state minimum coverage:
card cover
Ricky (44 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32570)
carKIA Optima LX
$164
per month
card cover
Lola (52 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32571)
carFord Fusion SE
$191
per month
card cover
Allie (31 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32583)
carFord Focus SE
$87
per month
card cover
Gainsco
Rosa (57 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32583)
$96
per month
card cover
Russell (51 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32583)
carNissan Pathfinder S
$140
per month

Do you need more than minimum coverage in Milton?

Expert insurance agents recommend increasing your minimum coverage limits. A $10,000 PIP policy probably won’t cover much more than minor injuries, especially if you have multiple passengers. And with $10,000 of PDL coverage, you’ll have a lot of out-of-pocket costs if you have to replace a total loss vehicle.
Additionally,
Florida car accident laws
allow car accident victims up to four years to discover any injuries or damages and file a personal injury lawsuit.
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Expert Insight

avatar
Licensed Insurance Agent, 6 years of experience
As a licensed agent, I highly recommend carrying higher limits than state minimums for bodily injury and property damage coverages. Your coverage limits should always exceed your current net worth. I'd consider limits of $100,000/$300,000 as these coverages can better protect you from the damages and injury you may cause in an auto accident.
The bottom line: More auto insurance coverage means more financial protection, so consider increasing your limits as far as your budget allows.

Cheap full coverage car insurance quotes in Milton

Full coverage auto insurance
packages two kinds of popular, no-fault policies: collision and comprehensive insurance:
  • Collision insurance
    pays for repairs to your car if you hit another car or an object, and you can file a claim even if it was your fault. It’s a great way to protect your car's value, especially if you have a young driver in the family. 
  • Comprehensive coverage
    pays for repairs or replacement if your car is stolen, vandalized, or damaged by fire, flood, and falling debris. If you live in an area where car theft or extreme weather is common, you may want to consider comprehensive coverage to protect your investment.
Drivers who lease or finance their cars are usually required to purchase a full coverage insurance policy, but it’s also popular among new, classic, or luxury vehicle owners. If full coverage insurance isn’t relevant to you, check out roadside assistance or
uninsured motorist coverage
for more options.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$390
Eunice, 28
Zip: 32570
Chevrolet Silverado K2500HD LT
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$231
Katherine, 49
Zip: 32571
Lexus NX 300
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$92
Marian, 61
Zip: 32583
Nissan Murano S
• No Coverage Liability
• Comp / Collision
Bristol West
$232
Charles, 35
Zip: 32583
GMC Acadia Denali
coverageLast Updated Nov 21, 2024
Drivers can simplify their search for car insurance deals by using a
trustworthy quote comparison tool
. It takes less than a minute to sign up and get the top five to seven deals in your ZIP code.

Average cost of car insurance in Milton

If you want a car insurance policy with minimum liability coverage in Milton, you can expect to pay around $137 per month or $1,644 per year. Opting for full coverage auto insurance will increase the cost to approximately $216 per month or $2,597 per year.
However, the local, state, and national average rates can’t tell you what your individual auto insurance costs will be. Each insurance provider uses a different method to
calculate premiums
, taking into account factors like your location and driving history. As a result, car insurance quotes are unique.

Average cost of car insurance in Milton by zip code

Your auto insurance premiums are partially decided by your ZIP code, which helps insurers look up the number of crimes and car accidents in your neighborhood. The higher the numbers, the more you pay. For instance, the residents of Pensacola Beach pay more for coverage than those in Milton, who enjoy a slower pace of life.
The table below shows how your rates can change depending on which part of the map you call home:
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
32570
$103
$201
32571
$158
$202
32583
$106
$166

Car insurance quotes in Milton by rating factors 

Your location tells car insurance providers a lot about your environment, but not your driving habits. To find out if you’re a
high-risk driver
, insurance companies evaluate your driver profile, which includes multiple rating factors like:
  • Demographics: Car accident statistics vary by age, gender, and marital status. 
  • Driving history: You can save money on insurance by maintaining a clean driving record.
  • Mileage: The higher your annual mileage, the greater your chances of getting into an accident, resulting in higher rates.
  • Security: Private garages, anti-theft devices, and gated lanes deter thieves and reduce insurance premiums.
  • Vehicle make and model: Cars that have low purchase prices, low repair costs, and high safety ratings are generally less expensive to insure.

How do different factors impact your car insurance costs in Milton?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Milton:

Cheap car insurance quotes in Milton after driving violations

Your
Florida driving record
is a major source of information used by car insurance companies to assess your likelihood of getting into an accident. If you have repeated small offenses or multiple serious ones, they’ll likely consider you a high-risk driver. 
Here are some driving violations that raise providers’ eyebrows:

Cheapest car insurance in Milton after DUI

The consequences of a
DUI in Florida
include fines, prison sentences, and
driver's license suspension or revocation
. Multiple offenses will result in increased coverage limit requirements and an
FR-44 certificate
.
Needless to say, none of these bode well for your insurance rates. Milton drivers charged with a DUI rely on Jerry to help them find free quotes, grab a deal, and make the most of their situation.
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Eunice (28 years old)
coverageCoverage
No Coverage
locationMilton, FL
(Zip Code: 32570)
carChevrolet Silverado K2500HD LT
$390
per month
card cover
Charles (35 years old)
coverageCoverage
No Coverage
locationMilton, FL
(Zip Code: 32583)
carGMC Acadia Denali
$232
per month
card cover
Ellen (47 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationMilton, FL
(Zip Code: 32571)
carDodge Journey SE
$189
per month

Cheapest insurance in Milton, Florida after a speeding ticket

If you get a
speeding ticket in Florida
, the consequences depend on how much you exceed the legal speed limit. Aside from paying fines and accumulating driver violation points, more serious tickets can significantly raise your auto insurance rates. 

Cheapest car insurance in Milton after an at-fault accident

Past accidents indicate an increased chance of future ones, so it’s crucial to
maintain a clean driving record
to find the cheapest insurance in Florida. The amount your premium will increase after an accident depends on how severe it was and whether any injuries occurred.
For example, Jerry customers in Milton found these insurance rates after at-fault and not-at-fault car accidents:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$143
Todd, 60
Zip: 32583
Nissan Murano S
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$231
Isabelle, 48
Zip: 32571
Lexus NX 300
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Safeco
$122
Leila, 58
Zip: 32570
Ford F450 Super Duty
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$391
Sally, 48
Zip: 32571
Lexus NX 300
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

Cheapest car insurance in Milton after other driving violations

If your driving violations don’t include a speeding ticket, DUI, or car accident, take a look at the table below. It shows the cheapest rates Jerry could find for drivers in Milton with different traffic citations:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$113
Mamie, 23
Zip: 32571
KIA Sorento LX
• State Minimum Liability
Careless Driving
Bristol West
$168
Philip, 27
Zip: 32570
Toyota Corolla
• No Coverage Liability
Driving on Sus. License
Bristol West
$123
Joseph, 24
Zip: 32583
Chevrolet Equinox LTZ
• No Coverage Liability
Failure to Obey Signal
Allstate
$363
Phoebe, 25
Zip: 32583
Volkswagen Passat SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 15, 2024

Cheap car insurance quotes in Milton by age

Car insurance quotes tend to be less expensive for drivers who are 25-75 years old. Younger drivers have a higher chance of getting into car accidents, while older drivers are at a greater risk of both accidents and injuries. 
To save money on car insurance, drivers of all ages should take advantage of discounts, savings programs, and quote comparison tools when they
shop for car insurance
.

Cheapest car insurance in Milton for young drivers

Teen drivers aged 16 to 19 are at higher risk of getting into accidents than any other age group. It’s challenging to find
affordable car insurance for young drivers
because most companies consider them a gamble to insure.
While reducing coverage to save money might seem like a great idea, collision insurance is great for fixing any damages caused by inexperience. Instead, try exploring safe driving discounts and comparing car insurance quotes with Jerry to find a provider who’s willing to take a chance on your teen.
card cover
Maria (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationMilton, FL
(Zip Code: 32570)
carChevrolet Colorado
$193
per month
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Gainsco
Ida (18 years old)
coverageCoverage
No Coverage
locationMilton, FL
(Zip Code: 32570)
carCadillac Deville
$220
per month
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Francis (24 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationMilton, FL
(Zip Code: 32583)
carChevrolet Equinox LTZ
$144
per month
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Lilly (23 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32571)
carChrysler 200 Limited
$250
per month

Cheapest car insurance in Milton for senior drivers

As drivers approach the age of 75, the probability of getting into a car accident and suffering severe injuries increases. To compensate, insurers raise their rates. 
However, some companies provide
car insurance policies for seniors
that reward their years of driving experience. To reduce costs, search for retiree, low-mileage, and claims-free bonuses.
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Brent (69 years old)
coverageCoverage
No Coverage
locationMilton, FL
(Zip Code: 32583)
carNissan Rogue Sport S
$125
per month
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Christine (73 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMilton, FL
(Zip Code: 32571)
carToyota Corolla LE
$164
per month
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Nathan (88 years old)
coverageCoverage
State Minimum
locationMilton, FL
(Zip Code: 32570)
carMercury Milan
$128
per month

Cheap car insurance quotes in Milton based on insurance history

Car insurance lapses can be caused by many things, but insurers usually suspect two reasons: driving uninsured or missing payments. Unfortunately, you don’t usually get the chance to explain any gaps when you request a quote.
However, you can compare quotes to find a provider who doesn’t mind imperfect histories. Jerry collaborates with insurance providers to offer the most competitive prices in Milton, all in just a few minutes.
card cover
Aaron (20 years old)
coverageCoverage
State Minimum
carSaab 9-3 2.0T
$159
per month
card cover
Julia (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carChevrolet Colorado
$193
per month
card cover
Clyde (21 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carDodge Charger R/T
$335
per month
card cover
Gainsco
Addie (18 years old)
coverageCoverage
No Coverage
carCadillac Deville
$220
per month
card cover
Ellen (24 years old)
coverageCoverage
No Coverage
carChevrolet Equinox LTZ
$123
per month
card cover
Sue (23 years old)
coverageCoverage
State Minimum
carChrysler 200 Limited
$250
per month

Cheap car insurance quotes in Milton for drivers with bad credit

Car insurance companies request your credit score to determine if you’ll pay your bills on time. Drivers with low credit scores (below 550) pay more than those with high scores (over 750). 
You can see the impact of driver credit scores on insurance premiums in the table below. In each case, Jerry assisted Milton drivers in finding the lowest rates possible.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$159
Sam, 19
Zip: 32571
Saab 9-3 2.0T
• State Minimum Liability
660 - 750
Safeco
$122
Nina, 58
Zip: 32570
Ford F450 Super Duty
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Mercury
$168
Walter, 26
Zip: 32570
Toyota Corolla
• 25,000/50,000 Liability
550 - 659
Infinity
$190
Rachel, 34
Zip: 32583
Chevrolet GMT-400 C1500
• State Minimum Liability
< 550
Progressive
$149
Bernice, 34
Zip: 32571
Volkswagen Tiguan S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 18, 2024

How to lower car insurance costs in Milton

1. Shop around and compare quotes

It's important to explore the competition when car insurance shopping. Get a quote from at least three companies, and you’ll feel less buyer’s remorse about your final choice. 
Requesting quotes can be time-consuming, but it only takes 45 seconds to sign up with Jerry. Answering a few simple questions gives you access to free quotes from over 55 top insurance providers in less than a few minutes. Plus, the top five to seven deals are highlighted on your screen.

 2. Hunt for car insurance discounts

If you find the right
car insurance discount
, you’ll not only save money, but you could be more motivated to drive safely and keep your grades up. Depending on your insurance provider, you could be eligible for:
  • Bundling discount: Policyholders with homeowners insurance (or renters insurance) can save with a
    car and home insurance bundle
    . Business owners can save by bundling insurance products such as commercial insurance, small business insurance, and life insurance.
  • Claims-free discount: Going three to five years without filing an insurance claim allows good drivers to reduce their insurance rates.
  • Good student discount: Maintaining a B average or higher in high school or college can make students eligible for discounts.
  • Safe driver discount: Installing a telematics device or smartphone app and driving safely can result in monthly savings.

3. Increase your deductible for comprehensive and collision coverage

To avoid sacrificing peace of mind for money, consider raising your
car insurance deductible
—but keep in mind that this is more of a last resort and should only be done if you can reasonably afford the increase. Consider your annual mileage, the length of your commute, your neighborhood’s traffic level, and whether you live with a teen or senior driver.

FAQ

How much is car insurance in Milton?

The cost of car insurance in Milton depends on your coverage. On average, a minimum coverage insurance policy costs $137 per month ($1,644 per year), while full coverage insurance policies cost $216 per month ($2,597 per year). 
However, your insurance costs depend significantly on your choice of provider. 

What is the cheapest car insurance in Milton?

The cheapest option for car insurance in Milton is state-minimum coverage, i.e. $10,000 each of Property Damage Liability (PDL) and Personal Injury Protection (PIP). However, due to rising medical costs and auto repair bills, a minimum-coverage policy puts your finances at risk if you have a serious accident.

What is the best car insurance in Milton? 

In Milton, finding the best car insurance policy is about finding a company that offers the insurance services you want, at a price you can afford. In addition to receiving free quotes from 55 top providers, Jerry includes verified customer ratings in five categories: cost, claims, customer service, renewals, and purchases.

What is the minimum car insurance in Milton, Florida?

Following Florida law, Milton drivers require at least $10,000 in Personal Injury Protection and Property Damage Liability insurance. In contrast to PDL, which covers your property damages in a car accident that was your fault, PIP is a no-fault insurance that lets you claim both your and your loved ones’ injuries regardless of fault.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.