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Finding the cheapest car insurance quotes in Middlebury shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Middlebury
The car insurance rate in Middlebury is $1646 for a six-month policy, which is $215 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $841, making it a popular choice for budget-conscious drivers. Rates in Middlebury can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $841 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $867 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $1018
for six months, making it
the third cheapest auto insurance company in Middlebury.
Middlebury Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Middlebury, CT is Kemper, offering policies at just $841 for a six-month term. This is followed by Travelers, which has an average six-month premium of $867.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3859 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middlebury drivers find the best deals.
Way's key takeaways about car insurance in Middlebury
The auto insurance costs in Middlebury fall around $841 for six
months.
The cheapest auto insurance company in Middlebury is USAA.
Teen drivers pay the highest rate in Middlebury at $1620 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Middlebury
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Middlebury are given below.
USAA provides
the cheapest minimum car insurance
coverage in Middlebury. Their Average 6 Month Premium is $355.
Farmers is the most
expensive at $1113 for the same
period.
Cheapest Full Coverage Car Insurance in Middlebury
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Middlebury is Kemper
at $141 per month and $841
for six months.
Cheapest Full Coverage Car Insurance Quotes in Middlebury,
CT
Get Your Car Insurance Quote in Middlebury
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Average Car Insurance in Middlebury by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Middlebury, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Middlebury, Connecticut, may be increasing due to several external factors.
Connecticut has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Middlebury's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Middlebury
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Middlebury,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Middlebury at $71
per
month. At $9529 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Middlebury.
As young drivers face the highest rates in Middlebury, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Middlebury,
Kemper is
the cheapest car insurance provider. At $485 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Middlebury is Amica, offering
rates of around $5649 for six
months.
Save up to $971/yr on car insurance rates in Middlebury.
Car Insurance Rates with An Accident in Middlebury
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Middlebury, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Middlebury
The cheapest car insurance companies after an at-fault accident in
Middlebury include Amica Mutual
and Kemper, offering $595
and $622,
respectively. Hanover is an expensive provider
with an average six-month premium of
$6892.
Here is a list of driving violations that can increase your car
insurance rates in Middlebury CT. For example, the car
insurance in Middlebury
after a DUI increases to $2179 for a six
month policy. While the rate increases by $286 for a six-month policy in the case of
a speeding ticket.
Middlebury auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1394
$232
One Med/PIP claim
$1394
$237
Not-at-fault accident
$1441
$240
Two Med/PIP claims
$1448
$246
One comp claim
$1469
$245
Two comp claims
$1557
$265
Driving without lights
$1619
$270
Failure to wear a seat belt
$1640
$278
Child safety restraint
$1659
$277
Failure to show documents
$1666
$283
Speeding 6 - 10 MPH over limit
$1680
$281
Driving with expired registration
$1687
$286
Speeding 11 - 15 MPH over limit
$1687
$282
Speeding 16 - 20 MPH over limit
$1687
$286
Cell phone violation
$1694
$283
Texting while driving
$1694
$288
Driving too slowly
$1701
$284
Failure to stop at a red light
$1701
$289
Failure to yield
$1701
$284
Following too closely
$1701
$289
Illegal turn
$1701
$284
Improper passing
$1708
$291
Wrong way/wrong lane
$1708
$285
Speeding in school zone
$1715
$292
Speeding 21 - 25 MPH over limit
$1735
$289
At-fault accident - less than $1000
$1756
$299
In 65 MPH zone
$1824
$304
Operating a vehicle without permission
$1885
$321
Open container
$1988
$331
At-fault accident - $1000-$2000
$2179
$370
At-fault accident - greater than $2000
$2179
$363
Passing school bus
$2548
$434
Reckless driving
$3355
$559
Racing
$3457
$588
Driving with a suspended license
$3483
$581
Refusal to submit to a chemical test
$3511
$597
DUI
$3573
$596
Leaving scene of an accident/hit and run
$3634
$618
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Middlebury after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Middlebury.
The cheapest car insurance premiums in
Middlebury are
offered by Kemper at $758 for a six-month policy.
However, it can be as
expensive as $20240 with companies
like Hanover.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Middlebury are offered by Kemper
at $478. However,
it can be as expensive as $5492
with companies like Hanover for a similar
six-month premium.
Cheapest Car Insurance in Middlebury after Speeding ticket
Car Insurance Price Trends in Middlebury,
Connecticut
Car insurance rates in Middlebury have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Middlebury rose by
$379 in January
compared to $274 of December. In other words, there has been an increase by $105 when you
compare January and December.
The average cost of liability insurance in the Middlebury dipped to $93 in January,
compared to $99 in December.
This represents an decrease of $6
when comparing January and December.
Average Car Insurance Cost in Middlebury by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Middlebury. At $3291 for a
six-month policy, insuring
your car at 6762 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Middlebury?
The car insurance in Middlebury is $61 per month, which is lower than the national average.
What is the cheapest car insurance in Middlebury?
The cheapest car insurance in Middlebury
is $141 per month
for full coverage.
How much is car insurance in Middlebury for teenagers?
Car insurance for teenagers costs $423 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Middlebury?
The average cost of car insurance is $1431 for a six-month
policy. It will cost around $277 per month to insure your
car in Middlebury.
Is car insurance expensive in Middlebury?
Car insurance can be expensive in Middlebury if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Middlebury can be
affordable.
What is the best car insurance in Middlebury,
CT?
The best car insurance company in Middlebury
CT is
Kemper, offering $841 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Middlebury, CT
Car Insurance Rates by State in the USA (2025 Update)
Middlebury Car Insurance
