Cheapest Car Insurance Quotes in New Middletown

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New Middletown Car Insurance

^$ 23

/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 New Middletown

The car insurance rate in New Middletown is $727 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in New 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.

Avg. Car Insurance in New Middletown

$727

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in New Middletown

1st place: AutoOwners Insurance Co

At $440 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 $447 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $557 for six months, making it the third cheapest auto insurance company in New Middletown.

New Middletown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Middletown, IN is AutoOwners Insurance Co, offering policies at just $440 for a six-month term. This is followed by Westfield, which has an average six-month premium of $447.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1347 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Middletown drivers find the best deals.

Cheap Car Insurance Companies in New Middletown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$440	$73
Westfield	$447	$76
Nationwide	$557	$94
American Family	$577	$97
USAA	$615	$104
Hastings Mutual	$621	$105
Travelers	$687	$116
Hastings Insurance	$700	$119
Progressive	$718	$121
Auto-Owners	$744	$125
State Farm	$997	$168
Farm Bureau	$1004	$171
Allstate	$1347	$227

Key Takeaways

Way's key takeaways about car insurance in New Middletown

The auto insurance costs in New Middletown fall around $440 for six months.
The cheapest auto insurance company in New Middletown is Westfield.
Teen drivers pay the highest rate in New Middletown at $598 per month.

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Cheapest Minimum Liability Car Insurance in New 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 New Middletown are given below.

Westfield provides the cheapest minimum car insurance coverage in New Middletown. Their Average 6 Month Premium is $136. Farmers is the most expensive at $246 for the same period.

Cheapest Liability Coverage in New Middletown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
USAA	$174	$29
Auto-Owners Insurance Co	$181	$31
Hastings Mutual	$194	$33
Indiana Farmers	$201	$34
American Family	$220	$37
Auto-Owners	$220	$37
Progressive	$233	$39
Grange	$240	$40
Travelers	$246	$41
SafeAuto	$266	$45
State Farm	$284	$48
Farm Bureau	$324	$56
Allstate	$531	$89
Farmers	$246	$41

Cheapest Full Coverage Car Insurance in New 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 New Middletown is AutoOwners Insurance Co at $73 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Middletown, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$440	$73
Westfield	$447	$76
Nationwide	$557	$94
American Family	$577	$97
USAA	$615	$104
Hastings Mutual	$621	$105
Travelers	$687	$116
Hastings Insurance	$700	$119
Progressive	$718	$121
Auto-Owners	$744	$125
State Farm	$997	$168
Farm Bureau	$1004	$171
Allstate	$1347	$227

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Average Car Insurance in New 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 New Middletown, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in New Middletown, 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, New 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 New 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
30s	USAA	$468
40s	USAA	$438
50s	USAA	$414
60s	USAA	$432
70s	Buckeye Insurance Group	$461

Cheapest Car Insurance Rates for Teen Drivers in New Middletown,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Middletown at $27 per month. At $3522 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Auto-Owners Insurance Co	$233	$39
Grange	$253	$43
USAA	$518	$87
Travelers	$784	$132
Progressive	$907	$153
American Family	$1579	$266
Auto-Owners	$2105	$351
State Farm	$2189	$372
Allstate	$2603	$434
Farm Bureau	$3522	$598

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 New Middletown.

As young drivers face the highest rates in New Middletown, USAA offers the cheapest auto insurance rates at $468 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 New Middletown, Westfield is the cheapest car insurance provider. At $259 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 New Middletown is State Farm, offering rates of around $3180 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$259	$44
Nationwide	$304	$51
Grange	$324	$55
Travelers	$718	$121
Progressive	$758	$128
USAA	$828	$141
American Family	$887	$149
Allstate	$1075	$181
Farm Bureau	$2046	$341
Auto-Owners	$2208	$375
State Farm	$3180	$530

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in New Middletown.

Car Insurance Rates with An Accident in New 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 New Middletown, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in New Middletown

The cheapest car insurance companies after an at-fault accident in New Middletown include AutoOwners Insurance Co and Indiana Farmers, offering $253 and $259, respectively. Allstate is an expensive provider with an average six-month premium of $2143.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$43
Indiana Farmers	$259	$44
Grange	$284	$48
Farmers	$330	$57
USAA	$440	$74
Travelers	$511	$86
Auto-Owners	$524	$88
Progressive	$564	$95
State Farm	$602	$101
American Family	$822	$138
Farm Bureau	$1495	$250
Allstate	$2143	$364

New Middletown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Middletown IN. For example, the car insurance in New Middletown after a DUI increases to $822 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

New Middletown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$894	$149
One Med/PIP claim	$894	$152
Not-at-fault accident	$945	$158
Two Med/PIP claims	$958	$162
One comp claim	$965	$161
Failure to show documents	$1010	$172
Failure to wear a seat belt	$1017	$169
Two comp claims	$1024	$174
Child safety restraint	$1036	$172
Driving without lights	$1036	$177
Driving with expired registration	$1075	$179
Speeding 6 - 10 MPH over limit	$1094	$186
Driving too slowly	$1101	$183
Failure to yield	$1101	$187
Following too closely	$1101	$183
Illegal turn	$1101	$187
Speeding in school zone	$1101	$183
Cell phone violation	$1107	$189
Speeding 11 - 15 MPH over limit	$1107	$184
Texting while driving	$1107	$189
Wrong way/wrong lane	$1107	$184
Failure to stop at a red light	$1114	$190
Improper passing	$1121	$186
Speeding 16 - 20 MPH over limit	$1121	$191
At-fault accident - less than $1000	$1134	$189
Passing school bus	$1152	$196
Speeding 21 - 25 MPH over limit	$1211	$202
At-fault accident - $1000-$2000	$1249	$213
In 65 MPH zone	$1269	$211
At-fault accident - greater than $2000	$1275	$217
Operating a vehicle without permission	$1366	$228
Open container	$1379	$234
Racing	$1676	$279
Reckless driving	$1683	$287
Refusal to submit to a chemical test	$1703	$283
DUI	$1716	$292
Leaving scene of an accident/hit and run	$1748	$291
Driving with a suspended license	$1761	$300

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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 New 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 New Middletown.

The cheapest car insurance premiums in New Middletown are offered by Grange at $401 for a six-month policy. However, it can be as expensive as $2046 with companies like Hastings Mutual.

New Middletown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$401	$66
Travelers	$537	$90
Progressive	$583	$98
USAA	$641	$108
American Family	$894	$150
State Farm	$1042	$175
Farm Bureau	$1191	$201
Allstate	$1243	$209
Auto-Owners	$1676	$282
Hastings Mutual	$2046	$348

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 New Middletown are offered by Westfield at $168. However, it can be as expensive as $1676 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Middletown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$168	$28
Auto-Owners Insurance Co	$233	$39
State Farm	$511	$86
Travelers	$557	$94
USAA	$570	$97
American Family	$583	$98
Progressive	$608	$102
Auto-Owners	$784	$131
Farm Bureau	$1204	$205
Allstate	$1676	$279

Car Insurance Price Trends in New Middletown, Indiana

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

The average cost of full coverage in the New Middletown remained steady at $146 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the New Middletown remained steady at $43 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 New Middletown?

The car insurance in New Middletown is $23 per month, which is lower than the national average.

What is the cheapest car insurance in New Middletown?

The cheapest car insurance in New Middletown is $73 per month for full coverage.

How much is car insurance in New Middletown for teenagers?

Car insurance for teenagers costs $162 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 New Middletown?

The average cost of car insurance is $667 for a six-month policy. It will cost around $122 per month to insure your car in New Middletown.

Is car insurance expensive in New Middletown?

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

Cheapest Car Insurance Quotes in New Middletown

Why you can trust Way?

How Much Is Car Insurance in New Middletown

Avg. Car Insurance in New Middletown

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in New Middletown

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

New Middletown Car Insurance Rates by Company

Cheap Car Insurance Companies in New Middletown, IN

Way's key takeaways about car insurance in New Middletown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Middletown

Cheapest Liability Coverage in New Middletown, IN

Cheapest Full Coverage Car Insurance in New Middletown

Cheapest Full Coverage Car Insurance Quotes in New Middletown, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Middletown by Rating Factor

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

Car Insurance Premiums by Age in New Middletown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Middletown,IN

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

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 New Middletown

Cheapest Car Insurance Companies after an At-Fault Accident in New Middletown

New Middletown Car Insurance Rates by Violation

New Middletown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Middletown after a DUI

New Middletown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Middletown after Speeding ticket

Car Insurance Price Trends in New Middletown, Indiana

Average Car Insurance Cost in New Middletown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Middletown, IN

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

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