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How much is car insurance in Middletown?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Connecticut is about $10 a month more expensive than it is in Middletown.
On the flip side, the expected monthly payments for an auto insurance policy in Middletown are above the national average. It's around $23 more expensive to insure your vehicle in Middletown compared to the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Middletown, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Middletown so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Middletown.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Middletown totals about $4 per month. Based on the chart above, you can see that female drivers pay around $101 on average, while male drivers typically pay $105 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Middletown with a single accident will pay around $111 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $186.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$153|
|15 Years or Older||$89|
In Middletown, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $79 per month for auto insurance coverage.
Car owners, on the other hand, typically pay around $107 a month, while SUV drivers can expect to pay about $86 per month to insure their vehicle.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Middletown, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Middletown can be as much as $41 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$237|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Middletown, expect to pay around $34 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Middletown, CT
Recent trends in car insurance for Middletown drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Middletown, auto insurance rates decreased from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $70.
How does Middletown compare to neighboring areas?
Why are car insurance rates in Middletown different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (total number of local car accidents)
- Amount of off-street parking
- Area regulations
- Regional crime rates
- Amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Middletown?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Middletown.
Middletown Insurance FAQs
What factors affect car insurance quotes in Middletown?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Middletown different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Middletown?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Middletown?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Middletown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.