Middletown, NY Car Insurance

On average, drivers in Middletown pay around $145 per month for their car insurance. For more information refer to our guide below.
What should residents of Middletown expect to pay for their car insurance? Are rates in Middletown higher or lower than those in neighboring areas? How do they compare to the rest of New York? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Middletown?

Area Average Monthly Car Insurance Premium
Middletown$145
NY$199
United States$81

Based on the chart above, you can see that it's about $54 a month cheaper to insure your vehicle in Middletown than it is in the rest of New York.

On the other hand, Middletown residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Middletown is about $64 more expensive than the national average.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Middletown 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, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$230
25-34$112
35-44$114
45-54$92
55-64$115
65+$135

Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $95 more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up in Middletown.

Average Car Insurance Rates by Gender

Gender Average
Male$142
Female$150

Although women typically pay less than men do for car insurance, this is not the case in Middletown, where female drivers pay around $150 per month while male drivers pay about $142.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$169
Multiple Accidents$158
1 Ticket$74
Multiple Tickets$151

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Middletown, drivers with one accident on their record will experience rates around $169 a month. In addition, drivers with a single ticket on their record can expect to pay around $74 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$152
2-3 Years$128
4-5 Years$129
6-7 Years$160
8-10 Years$137
11-14 Years$132
15 Years or Older$164

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Middletown, with drivers paying around $114 per month for insurance coverage.

Truck and van drivers will see rates of about $131, while the rates for car owners average out to about $155 a month.

You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Middletown, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$149
Married$115
Divorced$89

Generally, people who are married will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

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 $34 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$101
Rent$149
Live with parents$261

One other element taken into consideration is your living accommodations. Renters can expect to pay around $48 a month more than drivers who own property in Middletown. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Middletown, NY

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 selecting an auto insurance policy.

The rates for car insurance in Middletown declined from 2017-2018, before increasing from 2019-2021. They finished down in 2022 at $116.

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 several factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Amount of drivers in the region
  • Off-street parking availability
  • Road Safety (frequency of local car accidents)
  • Area laws
  • Crime

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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?

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.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Middletown.

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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, address, and marital status.

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

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Middletown or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes