Compare Middletown, IL Car Insurance Rates (2021)

Car insurance in Middletown, IL averages $256 a month. Middletown, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Middletown car insurance rates, compare quotes from the top car insurance companies in Middletown, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Middletown is Liberty Mutual
  • The cheapest car insurance company in Middletown for teen drivers is State Farm
  • Average car insurance rates in Middletown, IL are $3,074/year

If you need to buy Middletown, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Middletown, IL is right here.

You’ll find Middletown car insurance rates, the cheapest Middletown, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Middletown, Illinois car insurance rates to Chicago car insurance rates, Cicero car insurance rates, and Rockford car insurance rates.

Ready to find affordable Middletown, IL car insurance today? Enter your ZIP code for fast, free Middletown car insurance quotes.

Cheapest Middletown, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Middletown, IL car insurance rates? Every Middletown, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Middletown, Illinois

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 $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,328 $2,328 $2,127 $2,127 $6,493 $9,036 $2,328 $2,999
Farmers $2,324 $2,325 $2,066 $2,179 $9,698 $10,106 $2,655 $2,788
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,335 $1,442 $1,110 $1,240 $4,267 $4,748 $1,400 $1,482
Nationwide $1,694 $1,726 $1,508 $1,600 $4,571 $5,876 $1,964 $2,129
Progressive $1,839 $1,749 $1,517 $1,579 $6,495 $7,298 $2,200 $2,386
State Farm $1,372 $1,372 $1,220 $1,220 $3,880 $4,917 $1,550 $1,786
Travelers $1,428 $1,506 $1,295 $1,380 $4,014 $4,996 $1,515 $1,595
USAA $1,695 $1,726 $1,574 $1,552 $5,485 $6,055 $2,235 $2,459

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Minimum Car Insurance in Middletown, IL

Every driver must carry the minimum car insurance in Middletown, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Middletown, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Middletown, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Middletown, IL. Compare credit history car insurance rates in Middletown from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Middletown, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $4,958 $3,363 $2,841
Farmers $4,859 $4,071 $3,874
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,011 $1,876 $1,498
Nationwide $3,142 $2,535 $2,223
Progressive $3,573 $3,029 $2,797
State Farm $3,148 $1,885 $1,462
Travelers $2,707 $2,172 $1,769
USAA $3,795 $2,603 $2,144

Cheapest Middletown, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Middletown, IL to rates for a clean record with top companies.

Annual Middletown, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,734 $3,886 $5,161 $3,102
Farmers $3,606 $4,639 $4,523 $4,303
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,779 $2,507 $2,212 $2,014
Nationwide $2,122 $2,746 $3,229 $2,437
Progressive $2,588 $3,816 $2,861 $3,267
State Farm $1,983 $2,347 $2,165 $2,165
Travelers $1,771 $2,313 $2,565 $2,215
USAA $2,029 $2,916 $3,998 $2,447

Cheapest Middletown, IL Car Insurance for Teen Drivers

Teen car insurance in Middletown, IL can be expensive. Take a look at rates from the top car insurance companies in Middletown for teenagers.

Annual Car Insurance Rates for Teen Drivers in Middletown, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,493 $9,036
Farmers $9,698 $10,106
GEICO $4,847 $5,129
Liberty Mutual $4,267 $4,748
Nationwide $4,571 $5,876
Progressive $6,495 $7,298
State Farm $3,880 $4,917
Travelers $4,014 $4,996
USAA $5,485 $6,055

Cheapest Middletown, IL Car Insurance for Seniors

Take a look at Middletown, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Middletown, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,127 $2,127
Farmers $2,066 $2,179
GEICO $1,521 $1,797
Liberty Mutual $1,110 $1,240
Nationwide $1,508 $1,600
Progressive $1,517 $1,579
State Farm $1,220 $1,220
Travelers $1,295 $1,380
USAA $1,574 $1,552

Cheapest Middletown, IL Car Insurance Rates After a DUI

A DUI in Middletown, IL increases car insurance rates. Compare Middletown, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Middletown, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $5,161
Farmers $4,523
GEICO $3,482
Liberty Mutual $2,212
Nationwide $3,229
Progressive $2,861
State Farm $2,165
Travelers $2,565
USAA $3,998

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Cheapest Middletown, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Middletown, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Middletown, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,673 $3,769
Farmers $4,268 $4,268
GEICO $2,519 $2,617
Liberty Mutual $2,128 $2,128
Nationwide $2,633 $2,633
Progressive $3,133 $3,133
State Farm $2,111 $2,218
Travelers $2,130 $2,303
USAA $2,767 $2,927

The Best Cheap Car Insurance Companies in Middletown, IL

Take a look at a side-by-side comparison of the top car insurance companies in Middletown, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Middletown, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,721
Farmers $4,268
GEICO $2,568
Liberty Mutual $2,128
Nationwide $2,633
Progressive $3,133
State Farm $2,165
Travelers $2,216
USAA $2,847

Category Winners: Cheapest Car Insurance in Middletown, Illinois

Find the cheapest car insurance companies in Middletown, IL for each category right here.

Best Annual Car Insurance Rates by Company in Middletown, Illinois

Category Insurance Company
Teenagers State Farm
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

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Cheapest Middletown, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Middletown car insurance rates. Find the cheapest Middletown, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Middletown, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,601 $3,856 $3,705
Farmers $4,077 $4,175 $4,551
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,015 $2,124 $2,245
Nationwide $2,632 $2,652 $2,616
Progressive $2,913 $3,127 $3,360
State Farm $2,061 $2,168 $2,266
Travelers $2,093 $2,214 $2,342
USAA $2,663 $2,845 $3,035

What affects car insurance rates in Middletown, Illinois?

What factors can have an impact on Middletown, IL car insurance? There are several reasons why Middletown car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Middletown, Illinois.

Commute Time in Middletown

The more time you spend in your car the higher the risk of an accident. The average commute length in Middletown, IL is 30.3 minutes according to City-Data.

Compare Car Insurance Quotes in Middletown, IL

Ready to find affordable Middletown, Illinois car insurance today? Enter your ZIP code for fast, free Middletown, IL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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