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Get Cheap Car Insurance in Middletown, DE
We monitor insurance prices, helping the average driver in Middletown save up to 29.3% on car insurance.
The Cheapest Minimum Coverage in Middletown
The chart below shows the cheapest car insurance company in Middletown 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 Midvale Home & Auto, followed by State Farm, Travelers, and Dairyland.
| Middletown Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $82 |
| State Farm | $82 |
| Travelers | $83 |
| Dairyland | $98 |
Savings for Every Kind of Middletown Driver
Based on our extensive insurance data, we know the average Middletown driver will save about 23% 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 $456 per year by choosing the right vehicle insurance company. Some Middletown residents are paying out over $1,973 extra every year for auto insurance in Middletown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Middletown, DE Savings / Yr. |
|---|---|
$456 |
|
$772 |
|
$523 |
|
$451 |
|
$2,177 |
|
$465 |
|
$493 |
Middletown Car Insurance vs. Delaware
People living in Middletown pay an average of 6.09% more than the typical driver in the state. The average driver in Middletown can expect to pay about $1,307 per year, or $1,973 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Middletown for most people.
Car Insurance Prices by Middletown Neighborhood
Insurance Prices
Where is insurance cheapest within Middletown?
The map shows insurance prices in and around Middletown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $215 per year within the city boundaries, with insurance premiums ranging from a high of $2,080 to a low of $1,865. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Middletown.Pick the Best Car Insurance Company for You in Middletown
The best car insurance provider for most drivers in Middletown
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $456 over the average Middletown car insurance company.
The best car insurance provider for Middletown drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $772 over the competition.
The best car insurance company for Middletown drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $523 better than other car insurance companies.
The best auto insurance for Middletown drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $451 less each year.
The least expensive car insurance company for new and young drivers in Middletown
In Middletown, State Farm costs young drivers $2,177 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Middletown
State Farm gave the largest car insurance discounts to married couples, averaging $465 saved each year compared to an average Middletown couple's premiums.
The cheapest car insurance in Middletown for drivers with bad credit
The best Middletown car insurance company for customer service
Nationwide was the best company for customer service in Middletown according to the NAIC.
Recent price drops
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The cheapest large national provider in Middletown
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Middletown driver can expect to pay about $119 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 Middletown, USAA has the best prices for drivers with accidents, young drivers, drivers with bad credit, drivers with speeding tickets, married couples, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Middletown
What Influences the Cost of Car Insurance in Middletown?
On average, car insurance in Middletown 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 Middletown is 41 minutes, which is far more than average for a driver in the state.
- Delaware state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Middletown are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Middletown is one of the most densely populated areas 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 Middletown is $109 per month for minimum coverage and $164 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
- Odessa: Insurance costs 1.82% less
- Townsend: Insurance costs 1.27% more
- Kirkwood: Insurance costs 1.01% more
- St. Georges: Insurance costs 0.25% more
- Pine Tree Corners: Insurance costs 0.96% less
- Port Penn: Insurance costs 1.82% less
- Warwick: Insurance costs 8.51% less
- St. Augustine: Insurance costs 7.50% less
- Point Breeze: Insurance costs 3.65% less
- Chesapeake City: Insurance costs 7.86% less
Cities with Similar Populations
- Chillicothe: Insurance costs 42.68% less
- Valley Village: Insurance costs 28.74% more
- Strongsville: Insurance costs 43.54% less
- Alvin: Insurance costs 12.77% less
- Winter Springs: Insurance costs 29.95% more
- Downingtown: Insurance costs 29.75% less
- Donna: Insurance costs 7.91% less
- Del Rio: Insurance costs 11.25% less
- Coral Gables: Insurance costs 63.10% more
- Concord: Insurance costs 38.77% less