Middletown, NY Car Insurance

On average, Middletown drivers pay around $141 a month for their car insurance. For more information refer to our guide below.
How does Middletown stack up to the rest of the area, or even New York as a whole? What rates should residents of Middletown expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Middletown?

Area Average Monthly Car Insurance Premium
Middletown$141
NY$198
United States$80

Looking at the chart above, you can see it's around $57 a month cheaper to insure your vehicle in Middletown than it is in the rest of New York.

On the other hand, drivers in Middletown may pay higher rates than the rest of the country. It's about $61 more expensive for coverage in Middletown than the average rates for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Middletown, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't worry, we've done the work for you and broken down the average rates for Middletown to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$226
25-34$112
35-44$102
45-54$83
55-64$76
65+$135

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $91 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up a bit once you hit retirement in Middletown.

Average Car Insurance Rates by Gender

Gender Average
Male$139
Female$144

Although women typically pay less than men do for car insurance, this is not the case in Middletown, where female drivers pay around $144 per month while male drivers pay about $139.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$169
Multiple Accidents$158
1 Ticket$78
Multiple Tickets$187

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay much less than those with accidents or violations. In Middletown, a driving record with one accident will usually get you a rate around $169 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $78.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$152
2-3 Years$128
4-5 Years$133
6-7 Years$149
8-10 Years$137
11-14 Years$126
15 Years or Older$163

The most affordable vehicles to insure in Middletown are by and large SUVs, which run about $105 per month.

Truck and van drivers will see rates of about $131, while the rates for car owners average out to about $150 a month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. 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)$144
Married$103
Divorced$89

More often than not, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Middletown is no exception, with the difference totaling to around $41 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$100
Rent$143
Live with parents$261

Another factor that comes into play is your living situation. Renters can expect to pay around $43 a month more than those who own their own home in Middletown. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Middletown, NY

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 picking an insurance policy.

In Middletown, the rates for car insurance went up from 2016-2017, before leveling out in 2018. Car insurance rates began increasing again in 2019, and finished down in 2021, at $117 per month.

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 deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Off-street parking availability
  • Area crime rates
  • Regional regulations
  • Total amount of drivers in the area
  • Rate of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of 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?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Middletown.

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Middletown Insurance FAQs

What factors affect car insurance quotes in Middletown?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Middletown or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes