Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Middletown, NC
We monitor insurance prices, helping the average driver in Middletown save up to 33.1% 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 Erie Insurance, Farm Bureau, and Progressive.
| Middletown Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $48 |
| Erie Insurance | $48 |
| Farm Bureau | $51 |
| Progressive | $54 |
Savings for Every Kind of Middletown Driver
Based on our extensive insurance data, we know the average Middletown driver will save about 19% 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 $242 per year by choosing the right vehicle insurance company. Some Middletown residents are paying out over $1,258 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, NC Savings / Yr. |
|---|---|
$242 |
|
$526 |
|
$383 |
|
$977 |
|
$725 |
|
$292 |
|
$438 |
Middletown Car Insurance vs. North Carolina
People living in Middletown pay an average of 0.68% more than the typical driver in the state. The average driver in Middletown can expect to pay about $754 per year, or $1,258 for full coverage.
Based on our analysis, Auto-Owners Insurance 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 $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,258 to a low of $1,258. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central 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, Auto-Owners Insurance is the best option, with annual savings of $242 over the average Middletown car insurance company.
The best car insurance provider for Middletown drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $526 over the competition.
The best car insurance company for Middletown drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $383 better than other car insurance companies.
The best auto insurance for Middletown drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $977 less each year.
The least expensive car insurance company for new and young drivers in Middletown
In Middletown, State Farm costs young drivers $725 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Middletown
Erie Insurance gave the largest car insurance discounts to married couples, averaging $292 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
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Middletown, which was better than other insurers.
The cheapest large national provider in Middletown
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Middletown driver can expect to pay about $87 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 none of the categories above.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 33 minutes, which is about the national average for a driver in the state.
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Middletown are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Middletown has an average population density 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 $63 per month for minimum coverage and $105 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
- Engelhard: Insurance costs the same
- Nebraska: Insurance costs the same
- Gulrock: Insurance costs the same
- Fairfield: Insurance costs 0.56% less
- Swanquarter: Insurance costs 1.03% less
- Rose Bay: Insurance costs 0.95% less
- Scranton: Insurance costs 0.56% less
- Ponzer: Insurance costs 0.56% less
- Leechville: Insurance costs 0.87% more
- Avon: Insurance costs 3.66% less
Cities with Similar Populations
- Milton: Insurance costs 50.95% more
- Meshack: Insurance costs 71.38% more
- Mesic: Insurance costs 0.40% more
- Metz: Insurance costs 46.03% more
- Metz: Insurance costs 11.84% less
- Michiana: Insurance costs 116.06% more
- Michigan Bluff: Insurance costs 60.73% more
- Middle Run: Insurance costs 19.24% more
- Middle Water: Insurance costs 48.41% more
- Midkiff: Insurance costs 33.47% more