Cheapest Car Insurance Quotes in Middlebury

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Middlebury Car Insurance

^$ 20

/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 Middlebury

The car insurance rate in Middlebury is $647 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, 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.

Avg. Car Insurance in Middlebury

$647

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Middlebury

1st place: AutoOwners Insurance Co

At $392 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $398 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $496 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, IN is AutoOwners Insurance Co, offering policies at just $392 for a six-month term. This is followed by Westfield, which has an average six-month premium of $398.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1199 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.

Cheap Car Insurance Companies in Middlebury, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$392	$65
Westfield	$398	$68
Nationwide	$496	$83
American Family	$513	$86
USAA	$547	$92
Hastings Mutual	$553	$93
Travelers	$611	$103
Hastings Insurance	$623	$106
Progressive	$639	$108
Auto-Owners	$663	$112
State Farm	$888	$149
Farm Bureau	$893	$152
Allstate	$1199	$202

Key Takeaways

Way's key takeaways about car insurance in Middlebury

The auto insurance costs in Middlebury fall around $392 for six months.
The cheapest auto insurance company in Middlebury is Westfield.
Teen drivers pay the highest rate in Middlebury at $533 per month.

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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.

Westfield provides the cheapest minimum car insurance coverage in Middlebury. Their Average 6 Month Premium is $121. Farmers is the most expensive at $219 for the same period.

Cheapest Liability Coverage in Middlebury, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
USAA	$155	$26
Auto-Owners Insurance Co	$161	$27
Hastings Mutual	$173	$29
Indiana Farmers	$178	$30
American Family	$196	$33
Auto-Owners	$196	$33
Progressive	$208	$35
Grange	$213	$36
Travelers	$219	$37
SafeAuto	$237	$40
State Farm	$253	$43
Farm Bureau	$288	$49
Allstate	$472	$80
Farmers	$219	$37

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 AutoOwners Insurance Co at $65 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middlebury, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$392	$65
Westfield	$398	$68
Nationwide	$496	$83
American Family	$513	$86
USAA	$547	$92
Hastings Mutual	$553	$93
Travelers	$611	$103
Hastings Insurance	$623	$106
Progressive	$639	$108
Auto-Owners	$663	$112
State Farm	$888	$149
Farm Bureau	$893	$152
Allstate	$1199	$202

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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, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Middlebury, Indiana, may be increasing due to several external factors. Indiana 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
30s	USAA	$416
40s	USAA	$390
50s	USAA	$369
60s	USAA	$384
70s	Buckeye Insurance Group	$410

Cheapest Car Insurance Rates for Teen Drivers in Middlebury,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Middlebury at $24 per month. At $3134 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Auto-Owners Insurance Co	$208	$35
Grange	$225	$38
USAA	$461	$78
Travelers	$697	$117
Progressive	$807	$136
American Family	$1406	$237
Auto-Owners	$1873	$312
State Farm	$1948	$331
Allstate	$2316	$386
Farm Bureau	$3134	$533

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Middlebury.

As young drivers face the highest rates in Middlebury, USAA offers the cheapest auto insurance rates at $416 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, Westfield is the cheapest car insurance provider. At $231 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 State Farm, offering rates of around $2829 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$231	$39
Nationwide	$271	$46
Grange	$288	$49
Travelers	$639	$108
Progressive	$674	$113
USAA	$737	$125
American Family	$790	$133
Allstate	$956	$161
Farm Bureau	$1821	$304
Auto-Owners	$1965	$334
State Farm	$2829	$471

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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, IN, 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 AutoOwners Insurance Co and Indiana Farmers, offering $225 and $231, respectively. Allstate is an expensive provider with an average six-month premium of $1907.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$225	$38
Indiana Farmers	$231	$39
Grange	$253	$43
Farmers	$294	$50
USAA	$392	$66
Travelers	$455	$77
Auto-Owners	$467	$79
Progressive	$501	$84
State Farm	$535	$90
American Family	$731	$123
Farm Bureau	$1331	$222
Allstate	$1907	$324

Middlebury Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Middlebury IN. For example, the car insurance in Middlebury after a DUI increases to $732 for a six month policy. While the rate increases by $179 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	$795	$133
One Med/PIP claim	$795	$135
Not-at-fault accident	$841	$141
Two Med/PIP claims	$853	$145
One comp claim	$858	$144
Failure to show documents	$899	$153
Failure to wear a seat belt	$905	$150
Two comp claims	$911	$155
Child safety restraint	$922	$153
Driving without lights	$922	$157
Driving with expired registration	$956	$159
Speeding 6 - 10 MPH over limit	$974	$166
Driving too slowly	$980	$163
Failure to yield	$980	$167
Following too closely	$980	$163
Illegal turn	$980	$167
Speeding in school zone	$980	$163
Cell phone violation	$986	$168
Speeding 11 - 15 MPH over limit	$986	$164
Texting while driving	$986	$168
Wrong way/wrong lane	$986	$164
Failure to stop at a red light	$991	$169
Improper passing	$997	$166
Speeding 16 - 20 MPH over limit	$997	$170
At-fault accident - less than $1000	$1009	$168
Passing school bus	$1025	$175
Speeding 21 - 25 MPH over limit	$1078	$179
At-fault accident - $1000-$2000	$1112	$189
In 65 MPH zone	$1129	$188
At-fault accident - greater than $2000	$1135	$193
Operating a vehicle without permission	$1215	$203
Open container	$1227	$209
Racing	$1492	$248
Reckless driving	$1498	$255
Refusal to submit to a chemical test	$1515	$252
DUI	$1527	$260
Leaving scene of an accident/hit and run	$1556	$259
Driving with a suspended license	$1568	$267

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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 Grange at $357 for a six-month policy. However, it can be as expensive as $1821 with companies like Hastings Mutual.

Middlebury car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$357	$59
Travelers	$478	$81
Progressive	$519	$87
USAA	$570	$96
American Family	$795	$134
State Farm	$927	$156
Farm Bureau	$1060	$178
Allstate	$1106	$186
Auto-Owners	$1492	$251
Hastings Mutual	$1821	$309

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 Middlebury are offered by Westfield at $149. However, it can be as expensive as $1492 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Middlebury after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$208	$35
State Farm	$455	$77
Travelers	$496	$83
USAA	$507	$86
American Family	$519	$87
Progressive	$541	$91
Auto-Owners	$697	$116
Farm Bureau	$1072	$182
Allstate	$1492	$248

Car Insurance Price Trends in Middlebury, Indiana

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 remained steady at $130 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Middlebury remained steady at $38 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 Middlebury?

The car insurance in Middlebury is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Middlebury?

The cheapest car insurance in Middlebury is $65 per month for full coverage.

How much is car insurance in Middlebury for teenagers?

Car insurance for teenagers costs $145 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 $667 for a six-month policy. It will cost around $109 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.

Cheapest Car Insurance Quotes in Middlebury

Why you can trust Way?

How Much Is Car Insurance in Middlebury

Avg. Car Insurance in Middlebury

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Middlebury

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Middlebury Car Insurance Rates by Company

Cheap Car Insurance Companies in Middlebury, IN

Way's key takeaways about car insurance in Middlebury

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Middlebury

Cheapest Liability Coverage in Middlebury, IN

Cheapest Full Coverage Car Insurance in Middlebury

Cheapest Full Coverage Car Insurance Quotes in Middlebury, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Middlebury by Rating Factor

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

Car Insurance Premiums by Age in Middlebury

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Middlebury,IN

If you are in your twenties USAA is the best choice for car insurance in Middlebury.

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 Middlebury

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

Middlebury Car Insurance Rates by Violation

Middlebury auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Middlebury after a DUI

Middlebury car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Middlebury after Speeding ticket

Car Insurance Price Trends in Middlebury, Indiana

Average Car Insurance Cost in Middlebury by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Middlebury, IN

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

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