Compare Middletown, OH Car Insurance Rates (2021)

Car insurance in Middletown, OH averages $239 a month. Middletown, Ohio 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, OH.

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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

  • The cheapest car insurance company in Middletown is USAA
  • The cheapest ZIP code in Middletown is 45044
  • Average car insurance rates in Middletown, OH are $2,871/year

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

You’ll find Middletown car insurance rates, the cheapest Middletown, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Middletown, Ohio car insurance rates to Cleveland car insurance rates, Columbus car insurance rates, and Parma car insurance rates.

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

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

How do age, gender, and marital status affect Middletown, OH car insurance rates? Every Middletown, Ohio 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, Ohio

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 $2,035 $2,019 $1,841 $1,966 $5,747 $6,588 $2,127 $2,264
American Family $974 $1,009 $897 $900 $3,091 $3,349 $1,206 $1,269
Farmers $1,872 $1,865 $1,648 $1,742 $8,430 $8,747 $2,105 $2,197
GEICO $1,310 $1,277 $1,239 $1,256 $3,562 $3,314 $1,453 $1,226
Liberty Mutual $1,880 $2,049 $1,446 $1,755 $9,958 $11,245 $1,993 $2,177
Nationwide $2,222 $2,233 $2,005 $2,019 $5,697 $7,347 $2,382 $2,773
Progressive $1,895 $1,776 $1,585 $1,638 $8,586 $9,651 $2,258 $2,339
State Farm $1,661 $1,661 $1,500 $1,500 $5,413 $6,787 $1,937 $2,226
Travelers $1,432 $1,451 $1,438 $1,425 $6,329 $9,980 $1,498 $1,692
USAA $918 $924 $881 $873 $2,927 $3,249 $1,228 $1,323

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Minimum Car Insurance in Middletown, OH

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

Minimum Required Car Insurance Coverage in Middletown, Ohio

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, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Middletown, OH. 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, Ohio

Insurance Company Poor Fair Good
Allstate $3,940 $2,879 $2,401
American Family $2,103 $1,438 $1,219
Farmers $4,046 $3,423 $3,258
GEICO $2,193 $1,830 $1,466
Liberty Mutual $5,815 $3,573 $2,801
Nationwide $4,026 $3,242 $2,737
Progressive $4,161 $3,611 $3,376
State Farm $4,043 $2,497 $1,968
Travelers $3,526 $3,071 $2,870
USAA $1,996 $1,417 $1,209

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

Annual Middletown, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,574 $3,116 $3,682 $2,922
American Family $1,520 $1,609 $1,609 $1,609
Farmers $2,942 $3,798 $3,703 $3,859
GEICO $1,236 $1,793 $2,617 $1,673
Liberty Mutual $3,413 $4,382 $4,473 $3,983
Nationwide $2,672 $3,400 $4,314 $2,954
Progressive $3,199 $4,370 $3,413 $3,882
State Farm $2,570 $3,101 $2,836 $2,836
Travelers $2,310 $3,028 $4,584 $2,700
USAA $1,179 $1,588 $2,090 $1,306

Cheapest Middletown, OH Car Insurance for Teen Drivers

Teen car insurance in Middletown, OH 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, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,747 $6,588
American Family $3,091 $3,349
Farmers $8,430 $8,747
GEICO $3,562 $3,314
Liberty Mutual $9,958 $11,245
Nationwide $5,697 $7,347
Progressive $8,586 $9,651
State Farm $5,413 $6,787
Travelers $6,329 $9,980
USAA $2,927 $3,249

Cheapest Middletown, OH Car Insurance for Seniors

Take a look at Middletown, OH 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, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,966
American Family $897 $900
Farmers $1,648 $1,742
GEICO $1,239 $1,256
Liberty Mutual $1,446 $1,755
Nationwide $2,005 $2,019
Progressive $1,585 $1,638
State Farm $1,500 $1,500
Travelers $1,438 $1,425
USAA $881 $873

Cheapest Middletown, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Middletown, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,682
American Family $1,609
Farmers $3,703
GEICO $2,617
Liberty Mutual $4,473
Nationwide $4,314
Progressive $3,413
State Farm $2,836
Travelers $4,584
USAA $2,090

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Cheapest Middletown, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Middletown, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,073 $3,073
American Family $1,568 $1,606
Farmers $3,576 $3,576
GEICO $1,800 $1,860
Liberty Mutual $4,063 $4,063
Nationwide $3,335 $3,335
Progressive $3,716 $3,716
State Farm $2,764 $2,907
Travelers $3,156 $3,156
USAA $1,482 $1,598

Cheapest Middletown, OH Car Insurance Rates by ZIP Code

Middletown car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Middletown, OH.

Annual Car Insurance Rates by ZIP Code in Middletown, Ohio

ZIP Code Average Annual Rates
45042 $2,757
45044 $2,733

The Best Cheap Car Insurance Companies in Middletown, OH

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

Average Annual Car Insurance Rates by Company in Middletown, Ohio

Insurance Company Average Annual Rates
Allstate $3,073
American Family $1,587
Farmers $3,576
GEICO $1,830
Liberty Mutual $4,063
Nationwide $3,335
Progressive $3,716
State Farm $2,836
Travelers $3,156
USAA $1,540

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Category Winners: Cheapest Car Insurance in Middletown, Ohio

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

Best Annual Car Insurance Rates by Company in Middletown, Ohio

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

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

Annual Car Insurance Rates by Coverage Level in Middletown, Ohio

Insurance Company Low Medium High
Allstate $2,980 $3,067 $3,173
American Family $1,556 $1,599 $1,606
Farmers $3,386 $3,520 $3,821
GEICO $1,770 $1,822 $1,897
Liberty Mutual $3,914 $4,083 $4,192
Nationwide $3,690 $3,232 $3,083
Progressive $3,561 $3,681 $3,906
State Farm $2,682 $2,846 $2,979
Travelers $3,066 $3,198 $3,203
USAA $1,470 $1,539 $1,613

What affects car insurance rates in Middletown, Ohio?

What factors can have an impact on Middletown, OH 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, Ohio.

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, OH is 22.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Middletown, OH

Ready to find affordable Middletown, Ohio car insurance today? Enter your ZIP code for fast, free Middletown, OH 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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