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Get Cheap Car Insurance in Middlebury, CT
We monitor insurance prices, helping the average driver in Middlebury save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Middlebury
The chart below shows the cheapest car insurance company in Middlebury for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Safeco Insurance, and Travelers.
| Middlebury Insurer | Monthly Cost |
|---|---|
| Kemper | $70 |
| State Farm | $80 |
| Safeco Insurance | $81 |
| Travelers | $81 |
Savings for Every Kind of Middlebury Driver
Based on our extensive insurance data, we know the average Middlebury driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $573 per year by choosing the right vehicle insurance company. Some Middlebury residents are paying out over $1,956 extra every year for auto insurance in Middlebury. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Middlebury, CT Savings / Yr. |
|---|---|
$573 |
|
$795 |
|
$552 |
|
$922 |
|
$2,170 |
|
$520 |
|
$874 |
Middlebury Car Insurance vs. Connecticut
People living in Middlebury pay an average of 1.11% more than the typical driver in the state. The average driver in Middlebury can expect to pay about $1,340 per year, or $1,956 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Middlebury for most people.
Car Insurance Prices by Middlebury Neighborhood
Insurance Prices
Where is insurance cheapest within Middlebury?
The map shows insurance prices in and around Middlebury, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $76 per year within the city boundaries, with insurance premiums ranging from a high of $1,992 to a low of $1,916. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Middlebury.Pick the Best Car Insurance Company for You in Middlebury
The best car insurance provider for most drivers in Middlebury
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $573 over the average Middlebury car insurance company.
The best car insurance provider for Middlebury drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $795 over the competition.
The best car insurance company for Middlebury drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $552 better than other car insurance companies.
The best auto insurance for Middlebury drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $922 less each year.
The least expensive car insurance company for new and young drivers in Middlebury
In Middlebury, State Farm costs young drivers $2,170 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Middlebury
State Farm gave the largest car insurance discounts to married couples, averaging $520 saved each year compared to an average Middlebury couple's premiums.
The cheapest car insurance in Middlebury for drivers with bad credit
The best Middlebury car insurance company for customer service
Recent price drops
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The cheapest large national provider in Middlebury
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Middlebury driver can expect to pay about $120 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Middlebury, USAA has the best prices for drivers with accidents, married couples, drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Middlebury
What Influences the Cost of Car Insurance in Middlebury?
On average, car insurance in Middlebury is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Middlebury is 33 minutes, which is about the national average for a driver in the state.
- Connecticut state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Middlebury are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Middlebury is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Middlebury is $112 per month for minimum coverage and $163 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Naugatuck: Insurance costs 5.47% more
- Oakville: Insurance costs 2.35% more
- Waterbury: Insurance costs 18.40% more
- Woodbury: Insurance costs 1.84% less
- Watertown: Insurance costs 0.10% less
- Minortown: Insurance costs 2.51% less
- Southbury: Insurance costs 1.64% less
- Beacon Falls: Insurance costs 0.97% less
- Oxford: Insurance costs 1.48% less
- Bethlehem Village: Insurance costs 3.43% less
Cities with Similar Populations
- Mount Pleasant: Insurance costs 30.11% less
- Pleasant View: Insurance costs 29.19% less
- Plaistow: Insurance costs 36.55% less
- Plainsboro: Insurance costs 3.99% less
- Plainfield: Insurance costs 3.22% less
- Plainedge: Insurance costs 35.22% more
- Plain City: Insurance costs 29.40% less
- Mount Wolf: Insurance costs 35.69% less
- Mount Vernon: Insurance costs 9.10% less
- Mount Shasta: Insurance costs 9.30% less