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Finding the cheapest car insurance quotes in Middleburg 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 Middleburg
The car insurance rate in Middleburg is $635 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $226, making it a popular choice for budget-conscious drivers. Rates in Middleburg 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 $226 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $361 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $564
for six months, making it
the third cheapest auto insurance company in Middleburg.
Middleburg Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Middleburg, OH is American Family, offering policies at just $226 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $361.
At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $722 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middleburg drivers find the best deals.
Way's key takeaways about car insurance in Middleburg
The auto insurance costs in Middleburg fall around $226 for six
months.
The cheapest auto insurance company in Middleburg is American Family.
Teen drivers pay the highest rate in Middleburg at $672 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 Middleburg
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 Middleburg are given below.
American Family provides
the cheapest minimum car insurance
coverage in Middleburg. Their Average 6 Month Premium is $119.
Allstate is the most
expensive at $428 for the same
period.
Cheapest Full Coverage Car Insurance in Middleburg
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 Middleburg is American Family
at $38 per month and $226
for six months.
Cheapest Full Coverage Car Insurance Quotes in Middleburg,
OH
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Average Car Insurance in Middleburg 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 Middleburg, OH increasing?
Despite maintaining a clean driving record, your car insurance rates
in Middleburg, Ohio, may be increasing due to several external factors.
Ohio has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Middleburg's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Middleburg
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
$512
30s
USAA
$362
40s
USAA
$329
50s
USAA
$304
60s
USAA
$319
70s
USAA
$387
Cheapest Car Insurance Rates for Teen Drivers in
Middleburg,OH
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Middleburg at $21
per
month. At $3950 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Middleburg.
As young drivers face the highest rates in Middleburg, USAA
offers the cheapest auto insurance rates at $512 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 Middleburg,
American Family is
the cheapest car insurance provider. At $192 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
Middleburg is Allstate, offering
rates of around $1631 for six
months.
Save up to $971/yr on car insurance rates in Middleburg.
Car Insurance Rates with An Accident in Middleburg
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 Middleburg, OH,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Middleburg
The cheapest car insurance companies after an at-fault accident in
Middleburg include Central Mutual
and American Family, offering $130
and $146,
respectively. Frankenmuth is an expensive provider
with an average six-month premium of
$232.
Here is a list of driving violations that can increase your car
insurance rates in Middleburg OH. For example, the car
insurance in Middleburg
after a DUI increases to $661 for a six
month policy. While the rate increases by $147 for a six-month policy in the case of
a speeding ticket.
Middleburg auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$694
$116
One Med/PIP claim
$711
$121
Not-at-fault accident
$722
$121
One comp claim
$739
$125
Two Med/PIP claims
$739
$124
Two comp claims
$773
$131
Failure to show documents
$779
$130
Driving without lights
$796
$135
Failure to wear a seat belt
$796
$133
Child safety restraint
$812
$138
Driving with expired registration
$812
$136
Driving too slowly
$841
$143
Speeding 11 - 15 MPH over limit
$841
$141
Speeding 6 - 10 MPH over limit
$841
$143
Speeding in school zone
$841
$141
Cell phone violation
$846
$144
Failure to yield
$846
$142
Following too closely
$846
$144
Illegal turn
$846
$142
Texting while driving
$846
$144
Wrong way/wrong lane
$846
$142
Failure to stop at a red light
$852
$145
Improper passing
$858
$143
Speeding 16 - 20 MPH over limit
$858
$146
At-fault accident - less than $1000
$886
$147
Passing school bus
$892
$152
Speeding 21 - 25 MPH over limit
$914
$152
In 65 MPH zone
$925
$158
At-fault accident - $1000-$2000
$1021
$170
At-fault accident - greater than $2000
$1027
$175
Open container
$1027
$171
Operating a vehicle without permission
$1033
$176
Reckless driving
$1309
$219
Racing
$1332
$226
Refusal to submit to a chemical test
$1332
$222
Driving with a suspended license
$1343
$228
DUI
$1355
$226
Leaving scene of an accident/hit and run
$1394
$237
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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 Middleburg 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 Middleburg.
The cheapest car insurance premiums in
Middleburg are
offered by American Family at $146 for a six-month policy.
However, it can be as
expensive as $1428 with companies
like Grange.
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 Middleburg are offered by American Family
at $146. However,
it can be as expensive as $1281
with companies like Grange for a similar
six-month premium.
Cheapest Car Insurance in Middleburg after Speeding ticket
Car insurance rates in Middleburg have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Middleburg rose by
$113 in December
compared to $110 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Middleburg rose to $34 in December,
compared to $33 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Middleburg 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
Middleburg. At $N/A for a
six-month policy, insuring
your car at N/A 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 Middleburg?
The car insurance in Middleburg is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Middleburg?
The cheapest car insurance in Middleburg
is $38 per month
for full coverage.
How much is car insurance in Middleburg for teenagers?
Car insurance for teenagers costs $124 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
Middleburg?
The average cost of car insurance is $668 for a six-month
policy. It will cost around $106 per month to insure your
car in Middleburg.
Is car insurance expensive in Middleburg?
Car insurance can be expensive in Middleburg if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Middleburg can be
affordable.
What is the best car insurance in Middleburg,
OH?
The best car insurance company in Middleburg
OH is
American Family, offering $226 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Middleburg, OH
Car Insurance Rates by State in the USA (2025 Update)
Middleburg Car Insurance
