Buy Cheap Middletown, OH Auto Insurance (2021)

Middletown, OH auto insurance rates average $239 a month. Minimum auto insurance requirements in Middletown, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Middletown, OH, compare Middletown auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Middletown is Liberty Mutual
  • Average auto insurance rates in Middletown, OH after a DUI are $3,332/year
  • Average auto insurance rates in Middletown, OH for teens drivers are $5,974/year

Finding affordable Middletown, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Middletown, OH auto insurance with confidence is right here. Auto insurance rates in Middletown are affected by local factors as well as personal ones like your driving record.

See how Middletown, OH car insurance rates compare to Canton auto insurance rates, Columbus auto insurance rates, and Toledo auto insurance rates before you read more about the cost of auto insurance in Middletown.

Don’t buy Middletown, OH auto insurance until you’ve compared rates. Get free Middletown, Ohio auto insurance quotes when you enter your ZIP code above.

Middletown, OH Minimum Auto Insurance Requirements

The required auto insurance in Middletown, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Middletown, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Middletown, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Middletown, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Middletown, OH. Take a look at Middletown, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Middletown, Ohio

Insurance Company Poor Fair Good
Allstate $3,940 $2,879 $2,401
American Family $2,103 $1,438 $1,219
Farmers $4,046 $3,423 $3,258
GEICO $2,193 $1,830 $1,466
Liberty Mutual $5,815 $3,573 $2,801
Nationwide $4,026 $3,242 $2,737
Progressive $4,161 $3,611 $3,376
State Farm $4,043 $2,497 $1,968
Travelers $3,526 $3,071 $2,870
USAA $1,996 $1,417 $1,209

Buy Cheap Middletown, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Middletown, Ohio auto insurance rates? Find out how car insurance rates in Middletown, OH are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Middletown, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,035 $2,019 $1,841 $1,966 $5,747 $6,588 $2,127 $2,264
American Family $974 $1,009 $897 $900 $3,091 $3,349 $1,206 $1,269
Farmers $1,872 $1,865 $1,648 $1,742 $8,430 $8,747 $2,105 $2,197
GEICO $1,310 $1,277 $1,239 $1,256 $3,562 $3,314 $1,453 $1,226
Liberty Mutual $1,880 $2,049 $1,446 $1,755 $9,958 $11,245 $1,993 $2,177
Nationwide $2,222 $2,233 $2,005 $2,019 $5,697 $7,347 $2,382 $2,773
Progressive $1,895 $1,776 $1,585 $1,638 $8,586 $9,651 $2,258 $2,339
State Farm $1,661 $1,661 $1,500 $1,500 $5,413 $6,787 $1,937 $2,226
Travelers $1,432 $1,451 $1,438 $1,425 $6,329 $9,980 $1,498 $1,692
USAA $918 $924 $881 $873 $2,927 $3,249 $1,228 $1,323

Buy Cheap Middletown, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Middletown can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Middletown, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Middletown, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,747 $6,588
American Family $3,091 $3,349
Farmers $8,430 $8,747
GEICO $3,562 $3,314
Liberty Mutual $9,958 $11,245
Nationwide $5,697 $7,347
Progressive $8,586 $9,651
State Farm $5,413 $6,787
Travelers $6,329 $9,980
USAA $2,927 $3,249

Buy Cheap Middletown, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Middletown, Ohio by comparing Middletown senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Middletown, OH here.

Annual Auto Insurance Rates for Senior Drivers in Middletown, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,966
American Family $897 $900
Farmers $1,648 $1,742
GEICO $1,239 $1,256
Liberty Mutual $1,446 $1,755
Nationwide $2,005 $2,019
Progressive $1,585 $1,638
State Farm $1,500 $1,500
Travelers $1,438 $1,425
USAA $881 $873

Find Cheap Auto Insurance Rates in Middletown, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Middletown, Ohio auto insurance. Compare Middletown, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Middletown, Ohio

Insurance Company Low Medium High
Allstate $2,980 $3,067 $3,173
American Family $1,556 $1,599 $1,606
Farmers $3,386 $3,520 $3,821
GEICO $1,770 $1,822 $1,897
Liberty Mutual $3,914 $4,083 $4,192
Nationwide $3,690 $3,232 $3,083
Progressive $3,561 $3,681 $3,906
State Farm $2,682 $2,846 $2,979
Travelers $3,066 $3,198 $3,203
USAA $1,470 $1,539 $1,613

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Find Cheap Middletown, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Middletown. Compare auto insurance rates in Middletown, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Middletown, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,073 $3,073
American Family $1,568 $1,606
Farmers $3,576 $3,576
GEICO $1,800 $1,860
Liberty Mutual $4,063 $4,063
Nationwide $3,335 $3,335
Progressive $3,716 $3,716
State Farm $2,764 $2,907
Travelers $3,156 $3,156
USAA $1,482 $1,598

Find Cheap Middletown, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Middletown, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Middletown, OH to see how much where you live in Middletown affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Middletown, Ohio

ZIP Code Average Annual Rates
45042 $2,757
45044 $2,733

Find Cheap Middletown, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Middletown, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Middletown, OH, take a look at the average cost for various violations versus rates for a clean driving record in Middletown.

Annual Middletown, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,574 $3,116 $3,682 $2,922
American Family $1,520 $1,609 $1,609 $1,609
Farmers $2,942 $3,798 $3,703 $3,859
GEICO $1,236 $1,793 $2,617 $1,673
Liberty Mutual $3,413 $4,382 $4,473 $3,983
Nationwide $2,672 $3,400 $4,314 $2,954
Progressive $3,199 $4,370 $3,413 $3,882
State Farm $2,570 $3,101 $2,836 $2,836
Travelers $2,310 $3,028 $4,584 $2,700
USAA $1,179 $1,588 $2,090 $1,306

Find Cheap Middletown, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Middletown, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Middletown for less when you shop around and compare rates from multiple Middletown, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Middletown, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,682
American Family $1,609
Farmers $3,703
GEICO $2,617
Liberty Mutual $4,473
Nationwide $4,314
Progressive $3,413
State Farm $2,836
Travelers $4,584
USAA $2,090

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Winners by Category: Where to Buy Cheap Auto Insurance in Middletown, OH

Compare rates from the cheapest auto insurance companies in Middletown, OH for your needs. Take a look at how Middletown, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Middletown, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Find Cheap Middletown, Ohio Auto Insurance Companies

If you’re looking for the cheapest Middletown, OH auto insurance companies overall, you can compare them here. Find the best price for Middletown, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Middletown, Ohio

Insurance Company Average Annual Rates
Allstate $3,073
American Family $1,587
Farmers $3,576
GEICO $1,830
Liberty Mutual $4,063
Nationwide $3,335
Progressive $3,716
State Farm $2,836
Travelers $3,156
USAA $1,540

What affects Middletown, Ohio auto insurance rates?

Local factors affect auto insurance rates in Middletown, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Middletown auto insurance rates.

Commute Times in Middletown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Middletown, OH is 22.3 minutes according to City-Data.

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Compare Auto Insurance Quotes in Middletown, OH

You can buy cheap Middletown, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Middletown, Ohio auto insurance quotes from top companies.

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