Compare Middletown, IN Car Insurance Rates (2021)

Car insurance in Middletown, IN averages $265 a month. Middletown, Indiana car insurance requirements are 25/50/25, 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, IN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Middletown, IN are $3,177/year
  • Average car insurance rates in Middletown, IN after a DUI are $3,784/year
  • The cheapest car insurance company in Middletown is USAA

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

You’ll find Middletown car insurance rates, the cheapest Middletown, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Middletown, Indiana car insurance rates to South Bend car insurance rates, Carmel car insurance rates, and Evansville car insurance rates.

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

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

How do age, gender, and marital status affect Middletown, IN car insurance rates? Every Middletown, Indiana 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, Indiana

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 $2,555 $2,618 $2,241 $2,451 $7,903 $9,951 $2,594 $2,827
American Family $2,227 $2,227 $2,008 $2,008 $6,237 $8,999 $2,227 $2,733
Farmers $1,452 $1,433 $1,241 $1,395 $7,821 $8,339 $1,916 $2,071
GEICO $1,542 $1,540 $1,447 $1,510 $4,574 $4,244 $1,767 $1,554
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,570 $1,606 $1,376 $1,471 $4,538 $5,898 $1,837 $2,010
Progressive $1,535 $1,448 $1,395 $1,402 $9,141 $10,278 $1,924 $1,961
State Farm $1,263 $1,263 $1,125 $1,125 $3,848 $4,921 $1,396 $1,560
Travelers $1,170 $1,190 $1,097 $1,096 $7,185 $11,311 $1,239 $1,434
USAA $968 $955 $898 $908 $2,669 $2,990 $1,309 $1,404

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Middletown, IN

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

Minimum Required Car Insurance Coverage in Middletown, Indiana

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

Cheapest Middletown, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Middletown, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $5,135 $3,823 $3,469
American Family $4,908 $3,181 $2,661
Farmers $3,743 $3,053 $2,829
GEICO $2,734 $2,272 $1,810
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,889 $2,442 $2,283
Progressive $4,002 $3,552 $3,352
State Farm $3,005 $1,793 $1,391
Travelers $3,580 $3,034 $3,031
USAA $2,042 $1,345 $1,151

Cheapest Middletown, IN 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, IN to rates for a clean record with top companies.

Annual Middletown, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,299 $4,855 $4,482 $3,934
American Family $2,469 $3,938 $4,985 $2,942
Farmers $2,868 $3,349 $3,449 $3,167
GEICO $1,489 $2,342 $3,193 $2,064
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,184 $2,813 $2,698 $2,459
Progressive $2,725 $4,782 $3,250 $3,785
State Farm $2,014 $2,209 $2,014 $2,014
Travelers $2,732 $3,376 $3,824 $2,929
USAA $1,144 $1,624 $1,863 $1,418

Cheapest Middletown, IN Car Insurance for Teen Drivers

Teen car insurance in Middletown, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,903 $9,951
American Family $6,237 $8,999
Farmers $7,821 $8,339
GEICO $4,574 $4,244
Liberty Mutual $8,383 $12,656
Nationwide $4,538 $5,898
Progressive $9,141 $10,278
State Farm $3,848 $4,921
Travelers $7,185 $11,311
USAA $2,669 $2,990

Cheapest Middletown, IN Car Insurance for Seniors

Take a look at Middletown, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,241 $2,451
American Family $2,008 $2,008
Farmers $1,241 $1,395
GEICO $1,447 $1,510
Liberty Mutual $3,522 $3,522
Nationwide $1,376 $1,471
Progressive $1,395 $1,402
State Farm $1,125 $1,125
Travelers $1,097 $1,096
USAA $898 $908

Cheapest Middletown, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Middletown, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,482
American Family $4,985
Farmers $3,449
GEICO $3,193
Liberty Mutual $8,085
Nationwide $2,698
Progressive $3,250
State Farm $2,014
Travelers $3,824
USAA $1,863

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Middletown, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Middletown, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,142 $4,142
American Family $3,540 $3,627
Farmers $3,208 $3,208
GEICO $2,231 $2,313
Liberty Mutual $5,455 $5,752
Nationwide $2,538 $2,538
Progressive $3,635 $3,635
State Farm $2,005 $2,120
Travelers $3,215 $3,215
USAA $1,493 $1,533

The Best Cheap Car Insurance Companies in Middletown, IN

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

Average Annual Car Insurance Rates by Company in Middletown, Indiana

Insurance Company Average Annual Rates
Allstate $4,142
American Family $3,583
Farmers $3,209
GEICO $2,272
Liberty Mutual $5,604
Nationwide $2,538
Progressive $3,635
State Farm $2,063
Travelers $3,215
USAA $1,513

Category Winners: Cheapest Car Insurance in Middletown, Indiana

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

Best Annual Car Insurance Rates by Company in Middletown, Indiana

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Middletown, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Middletown, Indiana

Insurance Company Low Medium High
Allstate $3,960 $4,128 $4,340
American Family $3,541 $3,702 $3,507
Farmers $3,097 $3,202 $3,327
GEICO $2,116 $2,266 $2,434
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,584 $2,518 $2,513
Progressive $3,437 $3,580 $3,889
State Farm $1,970 $2,061 $2,156
Travelers $3,164 $3,245 $3,237
USAA $1,462 $1,509 $1,567

What affects car insurance rates in Middletown, Indiana?

What factors can have an impact on Middletown, IN 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, Indiana.

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, IN is 44.2 minutes according to City-Data.

Compare Car Insurance Quotes in Middletown, IN

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State