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Get Cheap Car Insurance in Middletown, NY
We monitor insurance prices, helping the average driver in Middletown save up to 32.6% 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Middletown Insurer | Monthly Cost |
|---|---|
| Kemper | $94 |
| Plymouth Rock Assurance | $125 |
| Safeco Insurance | $134 |
| Geico | $140 |
Savings for Every Kind of Middletown Driver
Based on our extensive insurance data, we know the average Middletown driver will save about 30% 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 $761 per year by choosing the right vehicle insurance company. Some Middletown residents are paying out over $2,551 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, NY Savings / Yr. |
|---|---|
$761 |
|
$485 |
|
$969 |
|
$980 |
|
$2,402 |
|
$804 |
|
$1,280 |
Middletown Car Insurance vs. New York
People living in Middletown pay an average of 5.20% more than the typical driver in the state. The average driver in Middletown can expect to pay about $1,850 per year, or $2,551 for full coverage.
Based on our analysis, Kemper 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 $502 per year within the city boundaries, with insurance premiums ranging from a high of $2,782 to a low of $2,280. Insurance prices tend to be higher for those living in the Central 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, Kemper is the best option, with annual savings of $761 over the average Middletown car insurance company.
The best car insurance provider for Middletown 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 $485 over the competition.
The best car insurance company for Middletown drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $969 better than other car insurance companies.
The best auto insurance for Middletown drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $980 less each year.
The least expensive car insurance company for new and young drivers in Middletown
In Middletown, Progressive costs young drivers $2,402 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Middletown
Progressive gave the largest car insurance discounts to married couples, averaging $804 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 Geico for pricing. The average Middletown driver can expect to pay about $183 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 bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.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 39 minutes, which is a little more than average for a driver in the state.
- New York 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 lowest 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 A+ according to CrimeGrade.org.
- Middletown 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 Middletown is $154 per month for minimum coverage and $213 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
- Mechanicstown: Insurance costs 4.70% more
- Scotchtown: Insurance costs 3.10% more
- New Hampton: Insurance costs 8.78% less
- Slate Hill: Insurance costs 9.13% less
- Circleville: Insurance costs 6.27% less
- Otisville: Insurance costs 3.37% less
- Kipps: Insurance costs 5.49% less
- Goshen: Insurance costs 7.10% less
- Unionville: Insurance costs 8.86% less
- Johnson: Insurance costs 8.66% less
Cities with Similar Populations
- Benton: Insurance costs 33.79% less
- Lake Stevens: Insurance costs 39.32% less
- Zephyrhills: Insurance costs 6.78% more
- Lompoc: Insurance costs 17.17% less
- Madison: Insurance costs 32.61% less
- Mandeville: Insurance costs 24.07% more
- Mankato: Insurance costs 40.02% less
- Matthews: Insurance costs 48.06% less
- Middletown: Insurance costs 21.36% less
- Mount Vernon: Insurance costs 43.75% less