Middletown, OH Car Insurance

On average, Middletown drivers pay around $58 a month for their car insurance. To learn more about policy rates and coverage in the Middletown area, continue reading our guide below.
How does Middletown compare to the surrounding area and the rest of Ohio? What should residents of Middletown expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Middletown?

Area Average Monthly Car Insurance Premium
Middletown$58
OH$59
United States$80

According to the chart above, the rates you'll pay for coverage in Middletown are about the same as what you would pay anywhere else in Ohio.

Likewise, car insurance rates in Middletown are often favorable when viewed against the rest of the country. The average monthly payment in Middletown is about $22 less than the rate for the rest of the United States.

Although these are the average car insurance rates in Middletown, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Middletown to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$47
35-44$52
45-54Not Enough Data
55-64$34
65+$43

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times the price that 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 climb back up a bit in Middletown.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$52

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Middletown, where male drivers pay about $14 more per month. As you can see in the table above, female drivers in the area typically pay $52 on average, while female drivers typically pay $66 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$101
1 Ticket$74
Multiple Tickets$96

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Middletown, drivers with one accident on their record will experience rates around $76 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $74.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$86
4-5 Years$66
6-7 Years$58
8-10 Years$61
11-14 Years$56
15 Years or Older$57

In terms of affordable coverage, the cheapest vehicles to insure in Middletown are by and large cars, at $56 per month.

Truck and van drivers will see rates of about $63, while the rates for SUV owners average out to about $58 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. 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)$61
Married$51
Divorced$49
Widowed$44

On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Middletown is about $10 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$57
Live with parents$80

One other element taken into consideration is your housing status. If you rent your home or apartment in Middletown, expect to pay around $13 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

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 car insurance costs.

Car Insurance Companies in Middletown, OH

Recent trends in car insurance for Middletown drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Middletown had been increasing from 2016-2019, when they hit a high of $70. This pattern changed in 2020, when they began to decrease, and have continued on that path through 2021, when insurance rates reached a low of $41 per month.

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 coverage, car insurance companies will review many factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Regional laws
  • Road Safety (total number of local car accidents)
  • Off-street parking access
  • Total number of drivers
  • Rate of crime

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Middletown?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! 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 loads of the car insurance companies offering plans in Middletown.

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Middletown Insurance FAQs

What factors affect car insurance quotes in Middletown?

Car insurance companies calculate quotes based on a wide array of factors. These 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?

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?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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.

Find your best rate in just a few minutes