Cheapest Car Insurance Quotes in Midway

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Midway Car Insurance

^$ 18

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Midway

The car insurance rate in Midway is $1409 for a six-month policy, which is $192 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $899, making it a popular choice for budget-conscious drivers. Rates in Midway 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.

Avg. Car Insurance in Midway

$1409

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Midway

1st place: Travelers

At $899 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $957 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1113 for six months, making it the third cheapest auto insurance company in Midway.

Midway Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Midway, FL is Travelers, offering policies at just $899 for a six-month term. This is followed by State Farm, which has an average six-month premium of $957.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $841 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midway drivers find the best deals.

Cheap Car Insurance Companies in Midway, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$899	$151
State Farm	$957	$161
Nationwide	$1113	$187
United Automobile Ins Group	$1202	$201
Progressive	$1255	$211
UAIC	$1255	$209
MetLife	$1323	$225
Farmers	$2101	$350
Mercury	$2269	$385
Allstate	$2284	$385
Metropolitan Group	$841	$140

Key Takeaways

Way's key takeaways about car insurance in Midway

The auto insurance costs in Midway fall around $899 for six months.
The cheapest auto insurance company in Midway is Patrons Insurance.
Teen drivers pay the highest rate in Midway at $1215 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Midway

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 Midway are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Midway. Their Average 6 Month Premium is $110. Metropolitan Group is the most expensive at $334 for the same period.

Cheapest Liability Coverage in Midway, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$110	$18
Travelers	$334	$56
State Farm	$356	$60
Mercury	$377	$63
Nationwide	$418	$71
Farmers	$580	$97
AIG	$590	$100
Progressive	$617	$104
United Automobile Ins Group	$633	$107
UAIC	$685	$114
Allstate	$789	$133
Metropolitan Group	$334	$55

Cheapest Full Coverage Car Insurance in Midway

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 Midway is Travelers at $151 per month and $899 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midway, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$899	$151
State Farm	$957	$161
Nationwide	$1113	$187
United Automobile Ins Group	$1202	$201
Progressive	$1255	$211
UAIC	$1255	$209
MetLife	$1323	$225
Farmers	$2101	$350
Mercury	$2269	$385
Allstate	$2284	$385
Metropolitan Group	$841	$140

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Average Car Insurance in Midway 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 Midway, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Midway, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Midway's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Midway

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
20s	Travelers	$1141
40s	Travelers	$862
50s	Travelers	$803
60s	Travelers	$792

Cheapest Car Insurance Rates for Teen Drivers in Midway,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Midway at $79 per month. At $7146 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$476	$79
AIG	$643	$109
Travelers	$1458	$246
State Farm	$1918	$323
UAIC	$2854	$476
United Automobile Ins Group	$2964	$504
Allstate	$4495	$757
Mercury	$5572	$938
Progressive	$5954	$1002
Farmers	$7146	$1215

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Midway.

As young drivers face the highest rates in Midway, Travelers offers the cheapest auto insurance rates at $1141 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 Midway, Nationwide is the cheapest car insurance provider. At $569 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 Midway is Allstate, offering rates of around $4569 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$569	$97
Mercury	$622	$104
Direct General Insurance	$649	$110
Travelers	$1234	$208
UAIC	$1255	$213
Progressive	$2425	$404
Farmers	$2907	$495
State Farm	$4354	$726
Allstate	$4569	$777

Escape the Trap of Rising Insurance Costs.

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Car Insurance Rates with An Accident in Midway

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 Midway, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Midway

The cheapest car insurance companies after an at-fault accident in Midway include Nationwide and AIG, offering $601 and $768, respectively. National General is an expensive provider with an average six-month premium of $930.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$601	$100
AIG	$768	$130
Travelers	$868	$146
State Farm	$894	$150
United Automobile Ins Group	$1563	$260
Mercury	$1615	$272
UAIC	$1636	$273
Progressive	$2143	$361
Farmers	$2932	$488
Allstate	$3967	$668
National General	$930	$158

Midway Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midway FL. For example, the car insurance in Midway after a DUI increases to $826 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Midway auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1605	$268
One Med/PIP claim	$1605	$273
Not-at-fault accident	$1735	$290
Two Med/PIP claims	$1783	$303
One comp claim	$1808	$302
Child safety restraint	$1814	$308
Failure to wear a seat belt	$1814	$303
Driving without lights	$1819	$309
Failure to show documents	$1819	$304
Speeding 6 - 10 MPH over limit	$1856	$316
Improper passing	$1861	$310
Passing school bus	$1861	$317
Wrong way/wrong lane	$1861	$310
Failure to stop at a red light	$1866	$318
Failure to yield	$1866	$311
Illegal turn	$1866	$318
Cell phone violation	$1872	$312
Driving with expired registration	$1872	$319
Following too closely	$1872	$312
Texting while driving	$1876	$319
Two comp claims	$1918	$319
Driving too slowly	$1929	$328
Speeding in school zone	$1929	$321
Speeding 11 - 15 MPH over limit	$1934	$329
In 65 MPH zone	$2002	$334
Speeding 16 - 20 MPH over limit	$2002	$341
Speeding 21 - 25 MPH over limit	$2013	$335
Open container	$2034	$346
Operating a vehicle without permission	$2034	$339
At-fault accident - less than $1000	$2206	$375
At-fault accident - $1000-$2000	$2242	$374
At-fault accident - greater than $2000	$2242	$381
Racing	$2425	$404
DUI	$2431	$414
Refusal to submit to a chemical test	$2431	$405
Driving with a suspended license	$2473	$421
Reckless driving	$2525	$421
Leaving scene of an accident/hit and run	$2551	$434

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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 Midway 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 Midway.

The cheapest car insurance premiums in Midway are offered by AIG at $565 for a six-month policy. However, it can be as expensive as $700 with companies like National General.

Midway car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$565	$94
Travelers	$899	$151
State Farm	$1092	$184
Progressive	$1103	$186
Allstate	$2007	$338
UAIC	$2211	$376
Farmers	$2389	$398
National General	$700	$117

Cheapest car insurance after a speeding ticket

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 Midway are offered by Nationwide at $491. However, it can be as expensive as $2551 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Midway after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$491	$84
State Farm	$633	$106
Travelers	$758	$128
UAIC	$1255	$209
Allstate	$1438	$242
Progressive	$2075	$346
Farmers	$2551	$434

Car Insurance Price Trends in Midway, Florida

Car insurance rates in Midway have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Midway remained steady at $243 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Midway remained steady at $74 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Midway?

The car insurance in Midway is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Midway?

The cheapest car insurance in Midway is $151 per month for full coverage.

How much is car insurance in Midway for teenagers?

Car insurance for teenagers costs $476 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 Midway?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $237 per month to insure your car in Midway.

Is car insurance expensive in Midway?

Car insurance can be expensive in Midway if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Midway can be affordable.

Cheapest Car Insurance Quotes in Midway

Why you can trust Way?

How Much Is Car Insurance in Midway

Avg. Car Insurance in Midway

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Midway

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Midway Car Insurance Rates by Company

Cheap Car Insurance Companies in Midway, FL

Way's key takeaways about car insurance in Midway

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Midway

Cheapest Liability Coverage in Midway, FL

Cheapest Full Coverage Car Insurance in Midway

Cheapest Full Coverage Car Insurance Quotes in Midway, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Midway by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Midway, FL increasing?

Car Insurance Premiums by Age in Midway

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Midway,FL

If you are in your twenties Travelers is the best choice for car insurance in Midway.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Midway

Cheapest Car Insurance Companies after an At-Fault Accident in Midway

Midway Car Insurance Rates by Violation

Midway auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Midway after a DUI

Midway car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Midway after Speeding ticket

Car Insurance Price Trends in Midway, Florida

Average Car Insurance Cost in Midway by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Midway, FL

Car Insurance Rates by State in the USA (2025 Update)

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