Compare Middletown, MO Car Insurance Rates (2021)

Car insurance in Middletown, MO averages $269 a month. Middletown, Missouri 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, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Middletown, MO are $3,229/year
  • Average car insurance rates in Middletown, MO after a DUI are $3,760/year
  • The cheapest car insurance company in Middletown for teen drivers is Nationwide

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

You’ll find Middletown car insurance rates, the cheapest Middletown, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Middletown, Missouri car insurance rates to St. Charles car insurance rates, Columbia car insurance rates, and St. Joseph car insurance rates.

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

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

How do age, gender, and marital status affect Middletown, MO car insurance rates? Every Middletown, Missouri 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, Missouri

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 $2,848 $2,757 $2,562 $2,644 $7,886 $8,524 $2,729 $2,819
American Family $1,983 $1,983 $1,765 $1,765 $5,364 $6,979 $1,983 $2,323
Farmers $2,299 $2,295 $2,057 $2,173 $9,254 $9,580 $2,622 $2,754
GEICO $1,969 $2,196 $1,528 $1,925 $5,977 $6,355 $1,825 $1,853
Liberty Mutual $2,663 $2,886 $2,191 $2,455 $9,183 $10,195 $2,810 $3,002
Nationwide $1,399 $1,433 $1,249 $1,328 $3,509 $4,513 $1,594 $1,728
Progressive $2,101 $1,986 $1,717 $1,763 $6,393 $7,213 $2,572 $2,642
State Farm $1,616 $1,616 $1,428 $1,428 $4,431 $5,612 $1,811 $2,056
USAA $1,568 $1,555 $1,412 $1,439 $4,644 $5,677 $1,954 $2,176

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Minimum Car Insurance in Middletown, MO

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

Minimum Required Car Insurance Coverage in Middletown, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Middletown, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,657 $3,632 $2,999
American Family $3,941 $2,775 $2,338
Farmers $4,727 $3,926 $3,735
GEICO $4,079 $2,657 $2,125
Liberty Mutual $6,349 $3,872 $3,048
Nationwide $2,473 $2,037 $1,773
Progressive $3,831 $3,156 $2,907
State Farm $3,354 $2,256 $1,888
USAA $4,253 $1,984 $1,423

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

Annual Middletown, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,516 $3,967 $4,925 $3,977
American Family $2,268 $3,273 $3,949 $2,581
Farmers $3,593 $4,426 $4,332 $4,166
GEICO $2,338 $2,981 $3,971 $2,525
Liberty Mutual $3,214 $4,611 $4,757 $5,112
Nationwide $1,661 $2,111 $2,794 $1,811
Progressive $2,902 $3,769 $3,180 $3,342
State Farm $2,313 $2,686 $2,500 $2,500
USAA $2,050 $2,486 $3,437 $2,240

Cheapest Middletown, MO Car Insurance for Teen Drivers

Teen car insurance in Middletown, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,886 $8,524
American Family $5,364 $6,979
Farmers $9,254 $9,580
GEICO $5,977 $6,355
Liberty Mutual $9,183 $10,195
Nationwide $3,509 $4,513
Progressive $6,393 $7,213
State Farm $4,431 $5,612
USAA $4,644 $5,677

Cheapest Middletown, MO Car Insurance for Seniors

Take a look at Middletown, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,562 $2,644
American Family $1,765 $1,765
Farmers $2,057 $2,173
GEICO $1,528 $1,925
Liberty Mutual $2,191 $2,455
Nationwide $1,249 $1,328
Progressive $1,717 $1,763
State Farm $1,428 $1,428
USAA $1,412 $1,439

Cheapest Middletown, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Middletown, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,925
American Family $3,949
Farmers $4,332
GEICO $3,971
Liberty Mutual $4,757
Nationwide $2,794
Progressive $3,180
State Farm $2,500
USAA $3,437

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Cheapest Middletown, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Middletown, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,096 $4,096
American Family $2,988 $3,048
Farmers $4,129 $4,129
GEICO $2,895 $3,012
Liberty Mutual $4,423 $4,423
Nationwide $2,094 $2,094
Progressive $3,298 $3,298
State Farm $2,439 $2,560
USAA $2,461 $2,646

The Best Cheap Car Insurance Companies in Middletown, MO

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

Average Annual Car Insurance Rates by Company in Middletown, Missouri

Insurance Company Average Annual Rates
Allstate $4,096
American Family $3,018
Farmers $4,129
GEICO $2,954
Liberty Mutual $4,423
Nationwide $2,094
Progressive $3,298
State Farm $2,500
USAA $2,553

Category Winners: Cheapest Car Insurance in Middletown, Missouri

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

Best Annual Car Insurance Rates by Company in Middletown, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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

Annual Car Insurance Rates by Coverage Level in Middletown, Missouri

Insurance Company Low Medium High
Allstate $3,928 $4,087 $4,274
American Family $2,930 $3,114 $3,010
Farmers $3,880 $4,090 $4,418
GEICO $2,783 $2,970 $3,107
Liberty Mutual $4,187 $4,444 $4,638
Nationwide $1,972 $2,113 $2,198
Progressive $2,997 $3,305 $3,593
State Farm $2,362 $2,507 $2,630
USAA $2,442 $2,545 $2,673

What affects car insurance rates in Middletown, Missouri?

What factors can have an impact on Middletown, MO 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, Missouri.

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, MO is 32.3 minutes according to City-Data.

Compare Car Insurance Quotes in Middletown, MO

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

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