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Finding the cheapest car insurance quotes in Middletown 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 Middletown
The car insurance rate in Middletown is $1432 for a six-month policy, which is $68 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $848, making it a popular choice for budget-conscious drivers. Rates in Middletown 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 $848 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1086 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $1122
for six months, making it
the third cheapest auto insurance company in Middletown.
Middletown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Middletown, DE is Travelers, offering policies at just $848 for a six-month term. This is followed by USAA, which has an average six-month premium of $1086.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2507 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middletown drivers find the best deals.
Way's key takeaways about car insurance in Middletown
The auto insurance costs in Middletown fall around $848 for six
months.
The cheapest auto insurance company in Middletown is Travelers.
Teen drivers pay the highest rate in Middletown at $1731 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 Middletown
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 Middletown are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Middletown. Their Average 6 Month Premium is $331.
Encompass is the most
expensive at $617 for the same
period.
Cheapest Full Coverage Car Insurance in Middletown
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 Middletown is Travelers
at $143 per month and $848
for six months.
Cheapest Full Coverage Car Insurance Quotes in Middletown,
DE
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Average Car Insurance in Middletown 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 Middletown, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Middletown, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Middletown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Middletown
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
Middletown,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Middletown at $398
per
month. At $10391 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Middletown.
As young drivers face the highest rates in Middletown, 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 Middletown,
Progressive is
the cheapest car insurance provider. At $1415 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
Middletown is Sentry, offering
rates of around $5276 for six
months.
Save up to $971/yr on car insurance rates in Middletown.
Car Insurance Rates with An Accident in Middletown
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 Middletown, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Middletown
The cheapest car insurance companies after an at-fault accident in
Middletown include USAA
and California Casualty, offering $774
and $817,
respectively. Sentry is an expensive provider
with an average six-month premium of
$6986.
Here is a list of driving violations that can increase your car
insurance rates in Middletown DE. For example, the car
insurance in Middletown
after a DUI increases to $1147 for a six
month policy. While the rate increases by $293 for a six-month policy in the case of
a speeding ticket.
Middletown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1335
$223
One Med/PIP claim
$1335
$227
Two Med/PIP claims
$1366
$228
One comp claim
$1379
$234
Not-at-fault accident
$1404
$234
Two comp claims
$1415
$240
Failure to show documents
$1521
$254
Driving with expired registration
$1591
$271
Failure to wear a seat belt
$1591
$265
Child safety restraint
$1610
$274
Driving without lights
$1610
$268
Speeding 11 - 15 MPH over limit
$1628
$277
Speeding 6 - 10 MPH over limit
$1628
$271
Driving too slowly
$1640
$279
Speeding in school zone
$1640
$273
Cell phone violation
$1646
$280
Following too closely
$1646
$274
Speeding 16 - 20 MPH over limit
$1646
$280
Texting while driving
$1646
$274
At-fault accident - less than $1000
$1665
$284
Failure to stop at a red light
$1665
$277
Failure to yield
$1665
$284
Illegal turn
$1665
$277
Improper passing
$1665
$284
Wrong way/wrong lane
$1665
$277
Speeding 21 - 25 MPH over limit
$1684
$287
Passing school bus
$1709
$285
Open container
$1809
$308
At-fault accident - $1000-$2000
$1840
$307
At-fault accident - greater than $2000
$1859
$316
In 65 MPH zone
$1871
$312
Operating a vehicle without permission
$1909
$324
Reckless driving
$2408
$401
Refusal to submit to a chemical test
$2463
$419
Driving with a suspended license
$2476
$413
DUI
$2482
$422
Racing
$2514
$419
Leaving scene of an accident/hit and run
$2595
$441
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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 Middletown 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 Middletown.
The cheapest car insurance premiums in
Middletown are
offered by Progressive at $1372 for a six-month policy.
However, it can be as
expensive as $5408 with companies
like Sentry.
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 Middletown are offered by American Family
at $686. However,
it can be as expensive as $7715
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Middletown after Speeding ticket
Car Insurance Price Trends in Middletown,
Delaware
Car insurance rates in Middletown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Middletown rose by
$422 in January
compared to $344 of December. In other words, there has been an increase by $78 when you
compare January and December.
The average cost of liability insurance in the Middletown dipped to $83 in January,
compared to $93 in December.
This represents an decrease of $10
when comparing January and December.
Average Car Insurance Cost in Middletown 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
Middletown. At $2864 for a
six-month policy, insuring
your car at 19709 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 Middletown?
The car insurance in Middletown is $56 per month, which is lower than the national average.
What is the cheapest car insurance in Middletown?
The cheapest car insurance in Middletown
is $143 per month
for full coverage.
How much is car insurance in Middletown for teenagers?
Car insurance for teenagers costs $2364 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
Middletown?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $240 per month to insure your
car in Middletown.
Is car insurance expensive in Middletown?
Car insurance can be expensive in Middletown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Middletown can be
affordable.
What is the best car insurance in Middletown,
DE?
The best car insurance company in Middletown
DE is
Travelers, offering $848 for a
six-month policy.
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