Best Cheap Auto Insurance in Middletown, MI (2021)

The average Middletown, MI auto insurance rates are $752 per month. The minimum auto insurance in Middletown is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Middletown, Michigan, compare quotes from multiple companies.

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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. He has also been featured on sites like UpJourney.

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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, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Middletown is USAA
  • The average commute length in Middletown is 19.8 minutes
  • Average auto insurance rates in Middletown, MI for senior drivers are $5,984 per year

Middletown, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Middletown can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Middletown, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Middletown to other Michigan cities, including Sterling Heights auto insurance rates, Grand Rapids auto insurance rates, and Lansing auto insurance rates to see how Middletown, Michigan auto insurance rates stack up.

Before you buy Middletown, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Middletown, Michigan auto insurance quotes.

Minimum Auto Insurance in Middletown, Michigan

Middletown, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Middletown, Michigan.

Minimum Required Auto Insurance Coverage in Middletown, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Middletown, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Middletown, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

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 $14,925 $14,925 $13,827 $13,827 $37,604 $37,604 $15,735 $15,735
Farmers $3,898 $3,898 $3,642 $3,642 $8,452 $8,452 $4,369 $4,369
GEICO $3,556 $3,556 $3,623 $3,623 $10,075 $10,075 $3,405 $3,405
Liberty Mutual $14,499 $14,499 $14,355 $14,355 $34,357 $34,357 $14,499 $14,499
Nationwide $4,005 $4,005 $3,584 $3,584 $9,927 $9,927 $4,357 $4,357
Progressive $2,476 $2,325 $2,198 $2,422 $8,969 $9,625 $2,876 $2,705
State Farm $6,755 $6,755 $6,266 $6,266 $23,560 $23,560 $7,922 $7,922
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,620 $2,480 $2,463 $2,326 $6,369 $6,045 $3,190 $3,059

Cheap Middletown, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Middletown, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Middletown, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Middletown, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,604 $37,604
Farmers $8,452 $8,452
GEICO $10,075 $10,075
Liberty Mutual $34,357 $34,357
Nationwide $9,927 $9,927
Progressive $8,969 $9,625
State Farm $23,560 $23,560
Travelers $13,395 $13,395
USAA $6,369 $6,045

Cheap Middletown, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Middletown, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Middletown, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,827 $13,827
Farmers $3,642 $3,642
GEICO $3,623 $3,623
Liberty Mutual $14,355 $14,355
Nationwide $3,584 $3,584
Progressive $2,198 $2,422
State Farm $6,266 $6,266
Travelers $3,858 $3,858
USAA $2,463 $2,326

Cheap Middletown, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Middletown, Michigan compared to the annual auto insurance rates with a clean record in Middletown, Michigan.

Annual Middletown, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,013 $13,342 $44,728 $14,007
Farmers $4,290 $5,443 $5,378 $5,250
GEICO $1,828 $3,852 $11,610 $3,368
Liberty Mutual $13,662 $16,428 $30,178 $17,443
Nationwide $4,672 $6,251 $5,684 $5,267
Progressive $3,588 $4,657 $4,198 $4,354
State Farm $7,103 $8,502 $18,296 $10,601
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,872 $3,582 $4,691 $3,130

Cheap Middletown, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Middletown, Michigan is not easy. Compare the annual rates for DUI auto insurance in Middletown, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Middletown, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,728
Farmers $5,378
GEICO $11,610
Liberty Mutual $30,178
Nationwide $5,684
Progressive $4,198
State Farm $18,296
Travelers $10,331
USAA $4,691

Cheap Middletown, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Middletown, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Middletown, Michigan

Insurance Company Poor Fair Good
Allstate $31,093 $17,230 $13,244
Farmers $6,739 $4,437 $4,095
GEICO $6,635 $4,883 $3,977
Liberty Mutual $30,734 $17,750 $9,799
Nationwide $6,889 $5,147 $4,369
Progressive $4,822 $4,079 $3,698
State Farm $18,040 $9,132 $6,204
Travelers $6,813 $6,608 $6,525
USAA $5,341 $3,047 $2,318

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Cheap Middletown, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Middletown, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Middletown, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Middletown, Michigan

ZIP Code Average Annual Rates
48867 $6,273

Cheap Middletown, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Middletown, Michigan auto insurance. Find the cheapest annual Middletown, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Middletown, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,522 $20,522
Farmers $5,090 $5,090
GEICO $5,047 $5,282
Liberty Mutual $18,753 $20,103
Nationwide $5,468 $5,468
Progressive $4,200 $4,200
State Farm $10,823 $11,428
Travelers $6,611 $6,686
USAA $3,528 $3,610

Cheap Middletown, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Middletown, Michigan? Check out the comparison of annual Middletown, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Middletown, Michigan

Insurance Company Low Medium High
Allstate $20,012 $20,568 $20,988
Farmers $4,969 $5,080 $5,222
GEICO $4,831 $5,120 $5,543
Liberty Mutual $18,989 $19,385 $19,909
Nationwide $5,754 $5,370 $5,282
Progressive $4,068 $4,205 $4,325
State Farm $10,557 $11,196 $11,624
Travelers $6,575 $6,656 $6,715
USAA $3,467 $3,577 $3,663

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Best By Category: Cheapest Auto Insurance in Middletown, Michigan

Compare the cheapest auto insurance companies in Middletown, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Middletown, Michigan

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Middletown, Michigan Auto Insurance Companies

What auto insurance companies in Middletown, Michigan are the cheapest? Compare the top Middletown, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Middletown, Michigan

Insurance Company Average Annual Rates
Allstate $20,522
Farmers $5,090
GEICO $5,165
Liberty Mutual $19,428
Nationwide $5,468
Progressive $4,200
State Farm $11,126
Travelers $6,649
USAA $3,569

What affects auto insurance rates in Middletown, Michigan?

There are a lot of reasons why auto insurance rates in Middletown, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Middletown, Michigan. Many local factors may affect your Middletown auto insurance rates.

Middletown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Middletown, Michigan commute length is 19.8 minutes according to City-Data.

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Compare Middletown, Michigan Auto Insurance Quotes

Before you buy Middletown, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Middletown, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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