MiddleOak Auto Insurance Review

MiddleOak provides multifamily insurance for apartments and rental dwellings of at least 11+ units. For affordable auto insurance quotes, compare multiple rates below.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Company Details


213 Court St.

ZIP Code:
Phone Number:
(800) 622-3780
Year Founded
AM Best Rating:
No Rating
Company Rating 1 (2 reviews)

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

Full Bio →

Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: Apr 27, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • The Middlesex Mutual Assurance Company and the Holyoke Mutual Insurance Company are subsidiaries of MiddleOak Insurance Company
  • MiddleOak Insurance is able to serve customers in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island and Vermont

This Middlesex auto insurance review will focus on MiddleOak Insurance in Middletown, Connecticut. Middlesex Mutual Assurance Company is owned and operated by MiddleOak Insurance. The company has been in operation since 1836.

The Middlesex Mutual Assurance Company and the Holyoke Mutual Insurance Company are subsidiaries of MiddleOak Insurance Company. MiddleOak is a property and casualty insurance company that offers insurance products to consumers and businesses.

MiddleOak Insurance is able to serve customers in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island and Vermont. The information about the specialty insurance products can be found at the MiddleOak Insurance website.

Compare rates from this provider and more with our FREE online auto insurance quote tool.  Enter your zip code now to get started!

MiddleOak Insurance Products

MiddleOak is able to provide homeowners to consumers. Personal auto insurance options and policies through MiddleOak Insurance may include the following coverage:

  • Collision coverage will take care of damages that occur to your vehicle as a result of an accident with another vehicle or object. This is one of the basic coverage options for most auto insurance policies; although your state auto insurance laws may not require it. If you have a lien against your vehicle, you will likely be required to have collision and comprehensive insurance on your automobile.
  • Comprehensive auto insurance ensures that damages to your auto are covered for a reason other than an accident with another vehicle or object. Hitting a deer or another animal falls under comprehensive coverage rather than collision. Other damage that will be covered under comprehensive includes fire, vandalism, and theft.
  • Glass breakage coverage will handle glass damage on your vehicle. It does not matter how the damage occurs if you have this coverage.
  • Liability coverage is the minimum requirements for most U.S. states including the areas that MiddleOak services (the sole exception being New Hampshire). This covers you in the event that a car accident causes property damage or bodily injury to other motorists or passengers.
  • Medical payments coverage will handle the medical expenses relating to bodily injury for you or the passengers in your vehicle. It does not matter who is at-fault in the accident.
  • Optional coverage includes rental reimbursement and towing. You can be reimbursed for expenses related to renting a vehicle or having your automobile towed. A car rental will be reimbursed only if your auto is being repaired due to an accident in which you filed an insurance claim.
  • Uninsured and underinsured motorist coverage takes care of expenses relating to injury to you or passengers in your vehicle if the other motorist has insufficient liability insurance to cover the bill. This includes hit and run incidents.

Free Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

MiddleOak Insurance Customer Service

MiddleOak Insurance offers clients a convenient online form for auto insurance claims reporting. This can be used 24 hours a day and will be responded to by a MiddleOak representative as soon as possible during business hours.

As an independent insurance agency, they offer products from several different insurance carriers. This gives clients many options to choose from. Independent insurance agencies often can offer better insurance rates than the insurance carrier would be able to offer directly.

A MiddleOak Insurance agent will be able to help you decide what coverage is necessary and beneficial to you for your specific circumstances.

It is unknown what insurance carriers MiddleOak Insurance agency works with. More information can be found by contacting a representative or agent. They will be able to offer you a quote from the different insurance carriers they work with.

MiddleOak Insurance Reviews

MiddleOak Insurance Company is not rated by AM Best. There are few reviews available online. The subsidiary companies have both been in operation for more than 150 years. This indicates that MiddleOak Insurance is a strong option to consider for your insurance needs.

MiddleOak Insurance is able to service customers in seven states. The independent insurance agency will find the best product for your specific circumstances by getting quotes from several insurance carriers.

The MiddleOak Insurance website does not indicate what carriers they work with. If you call an insurance agent, they will be able to provide you with that information.

Additional customer service options will be available depending on what insurance carrier you end up with.

If specific customer service aspects are important to you, a MiddleOak Insurance agent should be able to help you find the best carrier for your auto insurance policy. Some carriers are able to provide 24-hour customer service, online claims, and many other convenient service options.

Get your FREE auto insurance quotes online and now, by entering your zip code by in the box below!


  1. https://www.allstate.com/auto-insurance/collision-coverage.aspx
  2. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  3. http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  4. https://www.allstate.com/tools-and-resources/car-insurance/bodily-injury-liability-insurance.aspx
  5. https://www.geico.com/claims/claimsprocess/vehicle-rental/

2 Reviews

  1. mike caron June 23, 2013
  2. myself December 15, 2015

Leave a Review


FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption