Compare Middletown, NY Car Insurance Rates (2021)

Car insurance in Middletown, NY averages $398 a month. Middletown, New York car insurance requirements are 25/50/10, 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, NY.

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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

  • Average car insurance rates in Middletown, NY after a DUI are $6,349/year
  • The cheapest car insurance company in Middletown is GEICO
  • Average car insurance rates in Middletown, NY are $4,772/year

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

You’ll find Middletown car insurance rates, the cheapest Middletown, NY car insurance companies, and information on New York car insurance laws. You can also compare Middletown, New York car insurance rates to Mount Vernon car insurance rates, Yonkers car insurance rates, and Rochester car insurance rates.

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

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

How do age, gender, and marital status affect Middletown, NY car insurance rates? Every Middletown, New York 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, New York

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 $3,793 $3,532 $3,572 $3,620 $11,443 $12,288 $3,682 $3,688
GEICO $1,973 $1,898 $1,917 $1,889 $4,235 $6,248 $1,775 $1,816
Liberty Mutual $4,925 $4,925 $4,584 $4,584 $9,622 $15,635 $4,925 $5,233
Nationwide $3,294 $3,294 $3,100 $3,100 $6,028 $9,066 $3,294 $4,252
Progressive $2,705 $2,480 $2,124 $2,167 $8,927 $9,789 $3,424 $3,245
State Farm $3,068 $3,068 $2,679 $2,679 $9,011 $11,559 $3,376 $3,541
Travelers $3,793 $3,747 $3,435 $3,633 $8,747 $10,311 $3,980 $4,080
USAA $2,108 $2,070 $1,914 $1,914 $8,632 $10,262 $2,704 $2,990

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Minimum Car Insurance in Middletown, NY

Every driver must carry the minimum car insurance in Middletown, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Middletown, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Middletown, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Middletown, NY. 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, New York

Insurance Company Poor Fair Good
Allstate $8,241 $4,772 $4,094
GEICO $3,407 $2,503 $2,246
Liberty Mutual $9,532 $6,225 $4,655
Nationwide $4,429 $4,429 $4,429
Progressive $7,078 $3,486 $2,509
State Farm $6,880 $4,314 $3,424
Travelers $7,305 $4,486 $3,856
USAA $6,270 $3,162 $2,791

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

Annual Middletown, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,796 $4,796 $7,109 $6,108
GEICO $2,106 $2,297 $4,367 $2,106
Liberty Mutual $5,426 $5,426 $10,939 $5,426
Nationwide $3,344 $3,344 $7,603 $3,424
Progressive $4,233 $4,233 $4,702 $4,262
State Farm $4,639 $4,639 $5,106 $5,106
Travelers $4,432 $5,585 $5,661 $5,184
USAA $3,623 $3,683 $5,308 $3,683

Cheapest Middletown, NY Car Insurance for Teen Drivers

Teen car insurance in Middletown, NY 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, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,443 $12,288
GEICO $4,235 $6,248
Liberty Mutual $9,622 $15,635
Nationwide $6,028 $9,066
Progressive $8,927 $9,789
State Farm $9,011 $11,559
Travelers $8,747 $10,311
USAA $8,632 $10,262

Cheapest Middletown, NY Car Insurance for Seniors

Take a look at Middletown, NY 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, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,572 $3,620
GEICO $1,917 $1,889
Liberty Mutual $4,584 $4,584
Nationwide $3,100 $3,100
Progressive $2,124 $2,167
State Farm $2,679 $2,679
Travelers $3,435 $3,633
USAA $1,914 $1,914

Cheapest Middletown, NY Car Insurance Rates After a DUI

A DUI in Middletown, NY increases car insurance rates. Compare Middletown, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Middletown, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,109
GEICO $4,367
Liberty Mutual $10,939
Nationwide $7,603
Progressive $4,702
State Farm $5,106
Travelers $5,661
USAA $5,308

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Cheapest Middletown, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Middletown, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,622 $5,783
GEICO $2,639 $2,799
Liberty Mutual $6,613 $6,996
Nationwide $4,429 $4,429
Progressive $4,358 $4,358
State Farm $4,696 $5,049
Travelers $5,216 $5,216
USAA $4,033 $4,115

The Best Cheap Car Insurance Companies in Middletown, NY

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

Average Annual Car Insurance Rates by Company in Middletown, New York

Insurance Company Average Annual Rates
Allstate $5,702
GEICO $2,719
Liberty Mutual $6,804
Nationwide $4,429
Progressive $4,358
State Farm $4,873
Travelers $5,216
USAA $4,074

Category Winners: Cheapest Car Insurance in Middletown, New York

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

Best Annual Car Insurance Rates by Company in Middletown, New York

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

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

Annual Car Insurance Rates by Coverage Level in Middletown, New York

Insurance Company Low Medium High
Allstate $5,328 $5,678 $6,101
GEICO $2,564 $2,706 $2,885
Liberty Mutual $6,496 $6,783 $7,134
Nationwide $4,156 $4,391 $4,739
Progressive $4,114 $4,327 $4,632
State Farm $4,624 $4,900 $5,094
Travelers $4,920 $5,155 $5,572
USAA $3,942 $4,051 $4,230

What affects car insurance rates in Middletown, New York?

What factors can have an impact on Middletown, NY 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, New York.

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, NY is 29.8 minutes according to City-Data.

Compare Car Insurance Quotes in Middletown, NY

Ready to find affordable Middletown, New York car insurance today? Enter your ZIP code for fast, free Middletown, NY 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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