Middleburg, FL Car Insurance

Residents of Middleburg pay, on average, about $111 per month for car insurance. To find out more check out our guide below.
Are rates in Middleburg higher or lower than those in neighboring areas? How do they compare to the rest of Florida? What should residents of Middleburg expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Middleburg?

Area Average Monthly Car Insurance Premium
Middleburg$111
FL$123
United States$81

Based on the chart above, you can see that it's about $12 a month cheaper to insure your vehicle in Middleburg than it is in the rest of Florida.

On the other hand, drivers in Middleburg may pay higher rates than the rest of the country. It's around $30 more expensive to insure your vehicle in Middleburg compared to the average rate for the rest of the U.S.

These rates may be the average amount Middleburg residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

But don't worry, we've broken down the average rate for Middleburg residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$271
18-24$165
25-34$89
35-44$111
45-54Not Enough Data
55-64$89
65+$83

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $82 more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Middleburg.

Average Car Insurance Rates by Gender

Gender Average
Male$112
Female$109

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Middleburg, however, the difference in monthly policy premiums is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$131
Multiple Accidents$195
1 Ticket$85
Multiple Tickets$195

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Middleburg with one accident will pay around $131 a month. Similarly, drivers with one ticket will typically pay around $85 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$74
2-3 Years$200
4-5 Years$67
6-7 Years$107
8-10 Years$96
11-14 Years$128
15 Years or Older$105

In Middleburg, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $89 per month for insurance.

Car owners will see a monthly premium of about $123, while SUV owners usually pay around $105 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Middleburg, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$117
Married$91
Divorced$119
Widowed$74

More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Middleburg is no exception, with the difference totaling to around $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$105
Rent$102
Live with parents$152

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $3 less than those who own their own home in Middleburg. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Middleburg, FL

Recent trends in car insurance for Middleburg drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

In Middleburg, the rates for auto insurance went up from 2017-2018, before turning downward from 2019-2020. They finished down in 2022, at $45 a month.

How does Middleburg compare to neighboring areas?

Why are car insurance rates in Middleburg different from other areas?

There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Road Safety (total number of local car accidents)
  • Total drivers
  • Crime
  • Regional regulations
  • Amount of off-street parking

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Middleburg?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Middleburg.

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Middleburg Insurance FAQs

What factors affect car insurance quotes in Middleburg?

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 gender and age, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Middleburg different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Middleburg?

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 Middleburg?

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 Middleburg 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.

Find your best rate in just a few minutes