Cheapest Car Insurance Quotes in Middleburg

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Middleburg Car Insurance

^$ 11

/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 Middleburg

The car insurance rate in Middleburg is $669 for a six-month policy, which is $118 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $313, 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.

Avg. Car Insurance in Middleburg

$669

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Middleburg

1st place: AutoOwners Insurance Co

At $313 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners

AutoOwners offers auto insurance rates at $323 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National P&C

American National P&C offers auto insurance rates at $434 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, PA is AutoOwners Insurance Co, offering policies at just $313 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $323.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1141 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.

Cheap Car Insurance Companies in Middleburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$313	$52
Auto-Owners	$323	$55
American National P&C	$434	$72
Travelers	$469	$79
Westfield	$520	$87
Erie	$682	$115
State Farm	$712	$120
Nationwide	$732	$123
Encompass	$828	$138
Allstate	$898	$151
USAA	$979	$165
Progressive	$1141	$192

Key Takeaways

Way's key takeaways about car insurance in Middleburg

The auto insurance costs in Middleburg fall around $313 for six months.
The cheapest auto insurance company in Middleburg is AutoOwners.
Teen drivers pay the highest rate in Middleburg at $532 per month.

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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.

AutoOwners provides the cheapest minimum car insurance coverage in Middleburg. Their Average 6 Month Premium is $65. Allstate is the most expensive at $419 for the same period.

Cheapest Liability Coverage in Middleburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$65	$11
Westfield	$122	$20
Auto-Owners Insurance Co	$127	$21
Travelers	$151	$26
Erie	$162	$27
American National P&C	$167	$28
Chubb	$177	$30
State Farm	$212	$36
USAA	$212	$36
Progressive	$227	$38
Nationwide	$263	$43
Allstate	$419	$71

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 AutoOwners Insurance Co at $52 per month and $313 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middleburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$313	$52
Auto-Owners	$323	$55
American National P&C	$434	$72
Travelers	$469	$79
Westfield	$520	$87
Erie	$682	$115
State Farm	$712	$120
Nationwide	$732	$123
Encompass	$828	$138
Allstate	$898	$151
USAA	$979	$165
Progressive	$1141	$192

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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, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Middleburg, Pennsylvania, may be increasing due to several external factors. Pennsylvania 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	Travelers	$479
30s	Travelers	$332
40s	Travelers	$312
50s	Travelers	$298
60s	Travelers	$298
70s	Travelers	$351

Cheapest Car Insurance Rates for Teen Drivers in Middleburg,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Middleburg at $21 per month. At $3131 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
Auto-Owners Insurance Co	$146	$25
American National P&C	$192	$32
Chubb	$212	$36
Travelers	$606	$102
Erie	$742	$125
State Farm	$1015	$171
USAA	$1333	$222
Allstate	$2231	$379
Progressive	$3090	$515
Nationwide	$3131	$532

Teen Car Insurance Rates in PA by Age

Way Tip

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

As young drivers face the highest rates in Middleburg, Travelers offers the cheapest auto insurance rates at $479 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, Westfield is the cheapest car insurance provider. At $197 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 State Farm, offering rates of around $2712 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$197	$33
Auto-Owners Insurance Co	$202	$34
Chubb	$237	$40
American National P&C	$268	$46
USAA	$768	$128
Nationwide	$778	$131
Erie	$1237	$207
Travelers	$1403	$239
Allstate	$1889	$315
Progressive	$2080	$354
State Farm	$2712	$452

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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, PA, 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 AutoOwners and Westfield, offering $65 and $177, respectively. Allstate is an expensive provider with an average six-month premium of $1151.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$65	$11
Westfield	$177	$30
Donegal	$197	$33
Auto-Owners Insurance Co	$202	$34
Chubb	$237	$40
American National P&C	$242	$41
Erie	$303	$51
Travelers	$364	$61
State Farm	$374	$63
USAA	$661	$111
Progressive	$712	$120
Nationwide	$939	$156
Allstate	$1151	$196

Middleburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Middleburg PA. For example, the car insurance in Middleburg after a DUI increases to $848 for a six month policy. While the rate increases by $934 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	$934	$156
Cell phone violation	$1091	$185
Failure to wear a seat belt	$1091	$182
Failure to stop at a red light	$1101	$187
Illegal turn	$1101	$184
Improper passing	$1101	$187
Speeding in school zone	$1101	$184
Texting while driving	$1101	$187
Driving with expired registration	$1106	$184
Speeding 16 - 20 MPH over limit	$1106	$188
Wrong way/wrong lane	$1116	$186
Open container	$1182	$201
Reckless driving	$1722	$287
Racing	$1752	$298
DUI	$1782	$297
Driving with a suspended license	$1793	$305
Leaving scene of an accident/hit and run	$1808	$301

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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 National P&C at $273 for a six-month policy. However, it can be as expensive as $2116 with companies like Nationwide.

Middleburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$273	$45
Travelers	$429	$72
Erie	$636	$107
Allstate	$813	$137
Progressive	$859	$145
State Farm	$864	$145
USAA	$904	$152
Nationwide	$2116	$356

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 Middleburg are offered by Westfield at $106. However, it can be as expensive as $1369 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Middleburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$106	$18
Auto-Owners Insurance Co	$136	$23
Erie	$388	$65
Travelers	$388	$65
State Farm	$445	$75
USAA	$859	$146
Allstate	$1151	$192
Progressive	$1221	$207
Nationwide	$1369	$228

Car Insurance Price Trends in Middleburg, Pennsylvania

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 $142 in December compared to $137 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Middleburg remained steady at $31 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 Middleburg?

The car insurance in Middleburg is $11 per month, which is lower than the national average.

What is the cheapest car insurance in Middleburg?

The cheapest car insurance in Middleburg is $52 per month for full coverage.

How much is car insurance in Middleburg for teenagers?

Car insurance for teenagers costs $127 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 $787 for a six-month policy. It will cost around $112 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.

Cheapest Car Insurance Quotes in Middleburg

Why you can trust Way?

How Much Is Car Insurance in Middleburg

Avg. Car Insurance in Middleburg

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Middleburg

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Middleburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Middleburg, PA

Way's key takeaways about car insurance in Middleburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Middleburg

Cheapest Liability Coverage in Middleburg, PA

Cheapest Full Coverage Car Insurance in Middleburg

Cheapest Full Coverage Car Insurance Quotes in Middleburg, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Middleburg by Rating Factor

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

Car Insurance Premiums by Age in Middleburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Middleburg,PA

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

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 Middleburg

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

Middleburg Car Insurance Rates by Violation

Middleburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Middleburg after a DUI

Middleburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Middleburg after Speeding ticket

Car Insurance Price Trends in Middleburg, Pennsylvania

Average Car Insurance Cost in Middleburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Middleburg, PA

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

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