Cheapest Car Insurance Quotes in Middlesborough

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Middlesborough Car Insurance

^$ 28

/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 Middlesborough

The car insurance rate in Middlesborough is $1134 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in Middlesborough 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 Middlesborough

$1134

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Middlesborough

1st place: AutoOwners Insurance Co

At $482 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $527 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $693 for six months, making it the third cheapest auto insurance company in Middlesborough.

Middlesborough Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Middlesborough, KY is AutoOwners Insurance Co, offering policies at just $482 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $527.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1319 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middlesborough drivers find the best deals.

Cheap Car Insurance Companies in Middlesborough, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$482	$82
Cincinnati	$527	$88
Kentucky Farm Bureau	$693	$117
Travelers	$904	$152
Farm Bureau	$930	$158
Shelter	$1016	$171
Auto-Owners	$1088	$185
Nationwide	$1094	$184
USAA	$1108	$186
State Farm	$1233	$208
Electric	$1279	$218
Progressive	$1424	$240
Allstate	$2796	$471
Grange	$1319	$220

Key Takeaways

Way's key takeaways about car insurance in Middlesborough

The auto insurance costs in Middlesborough fall around $482 for six months.
The cheapest auto insurance company in Middlesborough is Cincinnati.
Teen drivers pay the highest rate in Middlesborough at $1547 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 Middlesborough

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 Middlesborough are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Middlesborough. Their Average 6 Month Premium is $165. Allstate is the most expensive at $1154 for the same period.

Cheapest Liability Coverage in Middlesborough, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$165	$28
Auto-Owners Insurance Co	$224	$38
Kentucky Farm Bureau	$251	$42
Electric	$271	$46
Nationwide	$316	$53
USAA	$330	$56
Farm Bureau	$343	$58
Travelers	$356	$60
Westfield	$370	$61
State Farm	$383	$64
Progressive	$422	$71
Shelter	$448	$75
Auto-Owners	$495	$82
Allstate	$1154	$194

Cheapest Full Coverage Car Insurance in Middlesborough

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 Middlesborough is AutoOwners Insurance Co at $82 per month and $482 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middlesborough, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$482	$82
Cincinnati	$527	$88
Kentucky Farm Bureau	$693	$117
Travelers	$904	$152
Farm Bureau	$930	$158
Shelter	$1016	$171
Auto-Owners	$1088	$185
Nationwide	$1094	$184
USAA	$1108	$186
State Farm	$1233	$208
Electric	$1279	$218
Progressive	$1424	$240
Allstate	$2796	$471
Grange	$1319	$220

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Average Car Insurance in Middlesborough 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 Middlesborough, KY increasing?

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

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

Car Insurance Premiums by Age in Middlesborough

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	USAA	$1098
30s	Auto-Owners	$833
40s	Auto-Owners	$814
50s	Auto-Owners	$777
60s	USAA	$808
70s	State Farm	$900

Cheapest Car Insurance Rates for Teen Drivers in Middlesborough,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Middlesborough at $36 per month. At $9191 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$211	$36
Auto-Owners Insurance Co	$316	$53
Kentucky Farm Bureau	$1055	$178
Travelers	$1424	$240
Farm Bureau	$1451	$244
USAA	$1668	$281
Shelter	$2090	$352
State Farm	$2367	$398
Auto-Owners	$3297	$549
Progressive	$4418	$744
Allstate	$9191	$1547

Teen Car Insurance Rates in KY by Age

Way Tip

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

As young drivers face the highest rates in Middlesborough, USAA offers the cheapest auto insurance rates at $1098 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 Middlesborough, Cincinnati is the cheapest car insurance provider. At $283 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 Middlesborough is Allstate, offering rates of around $5987 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$283	$48
Nationwide	$422	$72
Travelers	$1187	$200
Progressive	$1359	$229
USAA	$2182	$364
Farm Bureau	$2842	$483
Auto-Owners	$3151	$525
Shelter	$3231	$549
State Farm	$4292	$715
Allstate	$5987	$1018

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Car Insurance Rates with An Accident in Middlesborough

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 Middlesborough, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Middlesborough include AutoOwners Insurance Co and Electric, offering $336 and $336, respectively. Allstate is an expensive provider with an average six-month premium of $4846.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$336	$56
Electric	$336	$58
Cincinnati	$356	$59
Kentucky Farm Bureau	$488	$82
Farm Bureau	$693	$117
Travelers	$850	$143
State Farm	$884	$149
Shelter	$976	$164
USAA	$1016	$171
Auto-Owners	$1496	$254
Progressive	$1675	$282
Allstate	$4846	$816

Middlesborough Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Middlesborough KY. For example, the car insurance in Middlesborough after a DUI increases to $1379 for a six month policy. While the rate increases by $350 for a six-month policy in the case of a speeding ticket.

Middlesborough auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1608	$269
One Med/PIP claim	$1622	$275
Two Med/PIP claims	$1688	$281
Not-at-fault accident	$1734	$295
One comp claim	$1760	$293
Failure to wear a seat belt	$1780	$303
Failure to show documents	$1839	$306
Two comp claims	$1839	$313
Driving without lights	$1846	$307
Child safety restraint	$1866	$317
Cell phone violation	$1938	$323
Driving with expired registration	$1945	$331
Texting while driving	$1945	$324
Driving too slowly	$1958	$333
Failure to stop at a red light	$1958	$326
Failure to yield	$1958	$333
Speeding 6 - 10 MPH over limit	$1958	$326
Speeding in school zone	$1958	$333
Following too closely	$1965	$327
Illegal turn	$1965	$334
Speeding 11 - 15 MPH over limit	$1965	$327
Wrong way/wrong lane	$1965	$334
Improper passing	$1971	$329
Speeding 16 - 20 MPH over limit	$1971	$335
Speeding 21 - 25 MPH over limit	$2011	$335
In 65 MPH zone	$2025	$344
Passing school bus	$2057	$343
Open container	$2110	$359
At-fault accident - less than $1000	$2149	$359
Operating a vehicle without permission	$2308	$393
At-fault accident - $1000-$2000	$2334	$389
At-fault accident - greater than $2000	$2334	$397
Reckless driving	$2934	$490
Refusal to submit to a chemical test	$2974	$506
DUI	$2987	$497
Driving with a suspended license	$2994	$509
Racing	$3007	$501
Leaving scene of an accident/hit and run	$3039	$517

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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 Middlesborough 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 Middlesborough.

The cheapest car insurance premiums in Middlesborough are offered by Cincinnati at $442 for a six-month policy. However, it can be as expensive as $2512 with companies like AutoOwners.

Middlesborough car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$442	$73
Kentucky Farm Bureau	$587	$100
Travelers	$791	$133
Progressive	$962	$162
Shelter	$969	$163
State Farm	$996	$168
USAA	$1121	$189
Allstate	$2137	$360
Farm Bureau	$2169	$362
Auto-Owners	$2512	$427

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 Middlesborough are offered by Cincinnati at $198. However, it can be as expensive as $3290 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Middlesborough after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$198	$33
Kentucky Farm Bureau	$238	$40
Auto-Owners Insurance Co	$271	$46
State Farm	$745	$125
Travelers	$805	$135
Shelter	$864	$145
Farm Bureau	$930	$158
Progressive	$1081	$182
Auto-Owners	$1108	$189
USAA	$1332	$222
Allstate	$3290	$559

Car Insurance Price Trends in Middlesborough, Kentucky

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

The average cost of full coverage in the Middlesborough rose by $246 in December compared to $244 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Middlesborough rose to $69 in December, compared to $67 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Middlesborough?

The car insurance in Middlesborough is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Middlesborough?

The cheapest car insurance in Middlesborough is $82 per month for full coverage.

How much is car insurance in Middlesborough for teenagers?

Car insurance for teenagers costs $211 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 Middlesborough?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $191 per month to insure your car in Middlesborough.

Is car insurance expensive in Middlesborough?

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

Cheapest Car Insurance Quotes in Middlesborough

Why you can trust Way?

How Much Is Car Insurance in Middlesborough

Avg. Car Insurance in Middlesborough

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Middlesborough

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Middlesborough Car Insurance Rates by Company

Cheap Car Insurance Companies in Middlesborough, KY

Way's key takeaways about car insurance in Middlesborough

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Middlesborough

Cheapest Liability Coverage in Middlesborough, KY

Cheapest Full Coverage Car Insurance in Middlesborough

Cheapest Full Coverage Car Insurance Quotes in Middlesborough, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Middlesborough by Rating Factor

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

Car Insurance Premiums by Age in Middlesborough

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Middlesborough,KY

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

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 Middlesborough

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

Middlesborough Car Insurance Rates by Violation

Middlesborough auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Middlesborough after a DUI

Middlesborough car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Middlesborough after Speeding ticket

Car Insurance Price Trends in Middlesborough, Kentucky

Average Car Insurance Cost in Middlesborough by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Middlesborough, KY

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

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