Table of contents
How much is car insurance in Middletown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Middletown typically costs about $15 a month less than it does in the rest of Connecticut.
Compared to the national average cost of auto coverage, Middletown has higher rates. The cost of insuring a vehicle in Middletown is about $18 more expensive than the average rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Middletown, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down average rates for Middletown residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Middletown drivers may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Middletown is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Middletown, having a single accident on your record will usually get you rates around $112 a month. Likewise, drivers with one ticket will be looking at a rate of around $151 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$85|
According to the first table above, the cheapest vehicles to insure in Middletown are by and large SUVs, at $85 per month.
Car owners will see rates of about $102, while truck and van owners typically pay around $107 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Middletown, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Middletown is no exception, with the difference totaling to around $36 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$237|
One other element taken into consideration is your living accommodations. Those who own their own home in Middletown can expect to pay around $29 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Middletown, CT
Recent trends in car insurance for Middletown drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Auto insurance rates in Middletown had been decreasing from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $85.
How does Middletown compare to neighboring areas?
Why are car insurance rates in Middletown different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (frequency of car accidents)
- Number of drivers
- Area crime rates
- Off-street parking access
- Community laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Middletown?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Middletown.
Middletown Insurance FAQs
What factors affect car insurance quotes in Middletown?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Middletown different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Middletown?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Middletown?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Middletown or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.