Cheapest Car Insurance Quotes in West Middletown

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West Middletown Car Insurance

^$ 13

/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 West Middletown

The car insurance rate in West Middletown is $811 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in West 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 West Middletown

$811

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in West Middletown

1st place: AutoOwners Insurance Co

At $379 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 $391 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 $526 for six months, making it the third cheapest auto insurance company in West Middletown.

West Middletown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Middletown, PA is AutoOwners Insurance Co, offering policies at just $379 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $391.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1382 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Middletown drivers find the best deals.

Cheap Car Insurance Companies in West Middletown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
Auto-Owners	$391	$67
American National P&C	$526	$88
Travelers	$569	$96
Westfield	$630	$105
Erie	$826	$139
State Farm	$863	$145
Nationwide	$887	$149
Encompass	$1003	$167
Allstate	$1089	$183
USAA	$1187	$200
Progressive	$1382	$233

Key Takeaways

Way's key takeaways about car insurance in West Middletown

The auto insurance costs in West Middletown fall around $379 for six months.
The cheapest auto insurance company in West Middletown is AutoOwners.
Teen drivers pay the highest rate in West Middletown at $645 per month.

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Save up to $971/yr with our auto insurance quotes

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

AutoOwners provides the cheapest minimum car insurance coverage in West Middletown. Their Average 6 Month Premium is $79. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in West Middletown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$79	$13
Westfield	$147	$25
Auto-Owners Insurance Co	$153	$26
Travelers	$183	$31
Erie	$196	$33
American National P&C	$202	$34
Chubb	$214	$36
State Farm	$256	$43
USAA	$256	$43
Progressive	$275	$46
Nationwide	$318	$53
Allstate	$508	$87

Cheapest Full Coverage Car Insurance in West 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 West Middletown is AutoOwners Insurance Co at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Middletown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
Auto-Owners	$391	$67
American National P&C	$526	$88
Travelers	$569	$96
Westfield	$630	$105
Erie	$826	$139
State Farm	$863	$145
Nationwide	$887	$149
Encompass	$1003	$167
Allstate	$1089	$183
USAA	$1187	$200
Progressive	$1382	$233

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Average Car Insurance in West 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 West Middletown, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in West Middletown, 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, West 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 West 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
20s	Travelers	$581
30s	Travelers	$402
40s	Travelers	$378
50s	Travelers	$362
60s	Travelers	$362
70s	Travelers	$425

Cheapest Car Insurance Rates for Teen Drivers in West Middletown,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the West Middletown at $26 per month. At $3793 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$177	$30
American National P&C	$233	$39
Chubb	$256	$43
Travelers	$734	$124
Erie	$899	$151
State Farm	$1230	$207
USAA	$1615	$269
Allstate	$2704	$459
Progressive	$3744	$624
Nationwide	$3793	$645

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 West Middletown.

As young drivers face the highest rates in West Middletown, Travelers offers the cheapest auto insurance rates at $581 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 West Middletown, Westfield is the cheapest car insurance provider. At $239 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 West Middletown is State Farm, offering rates of around $3286 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Auto-Owners Insurance Co	$245	$41
Chubb	$287	$48
American National P&C	$324	$56
USAA	$930	$155
Nationwide	$942	$159
Erie	$1499	$250
Travelers	$1701	$289
Allstate	$2289	$381
Progressive	$2520	$428
State Farm	$3286	$548

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

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

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

The cheapest car insurance companies after an at-fault accident in West Middletown include AutoOwners and Westfield, offering $79 and $214, respectively. Allstate is an expensive provider with an average six-month premium of $1395.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$79	$13
Westfield	$214	$36
Donegal	$239	$40
Auto-Owners Insurance Co	$245	$41
Chubb	$287	$48
American National P&C	$294	$49
Erie	$367	$62
Travelers	$441	$74
State Farm	$453	$76
USAA	$801	$135
Progressive	$863	$145
Nationwide	$1138	$190
Allstate	$1395	$237

West Middletown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Middletown PA. For example, the car insurance in West Middletown after a DUI increases to $1028 for a six month policy. While the rate increases by $1132 for a six-month policy in the case of a speeding ticket.

West Middletown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1132	$188
Cell phone violation	$1321	$225
Failure to wear a seat belt	$1321	$220
Failure to stop at a red light	$1334	$227
Illegal turn	$1334	$222
Improper passing	$1334	$227
Speeding in school zone	$1334	$222
Texting while driving	$1334	$227
Driving with expired registration	$1340	$224
Speeding 16 - 20 MPH over limit	$1340	$228
Wrong way/wrong lane	$1352	$226
Open container	$1432	$243
Reckless driving	$2087	$348
Racing	$2123	$361
DUI	$2160	$359
Driving with a suspended license	$2172	$370
Leaving scene of an accident/hit and run	$2191	$365

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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 West 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 West Middletown.

The cheapest car insurance premiums in West Middletown are offered by American National P&C at $331 for a six-month policy. However, it can be as expensive as $2564 with companies like Nationwide.

West Middletown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$331	$55
Travelers	$520	$88
Erie	$770	$130
Allstate	$985	$166
Progressive	$1040	$175
State Farm	$1046	$176
USAA	$1095	$184
Nationwide	$2564	$432

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 West Middletown are offered by Westfield at $129. However, it can be as expensive as $1658 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in West Middletown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
Auto-Owners Insurance Co	$165	$28
Erie	$471	$79
Travelers	$471	$79
State Farm	$539	$91
USAA	$1040	$177
Allstate	$1395	$233
Progressive	$1480	$251
Nationwide	$1658	$276

Car Insurance Price Trends in West Middletown, Pennsylvania

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

The average cost of full coverage in the West Middletown rose by $172 in December compared to $166 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the West Middletown 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 West Middletown?

The car insurance in West Middletown is $13 per month, which is lower than the national average.

What is the cheapest car insurance in West Middletown?

The cheapest car insurance in West Middletown is $63 per month for full coverage.

How much is car insurance in West Middletown for teenagers?

Car insurance for teenagers costs $153 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 West Middletown?

The average cost of car insurance is $787 for a six-month policy. It will cost around $136 per month to insure your car in West Middletown.

Is car insurance expensive in West Middletown?

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

Cheapest Car Insurance Quotes in West Middletown

Why you can trust Way?

How Much Is Car Insurance in West Middletown

Avg. Car Insurance in West Middletown

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in West Middletown

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

West Middletown Car Insurance Rates by Company

Cheap Car Insurance Companies in West Middletown, PA

Way's key takeaways about car insurance in West Middletown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Middletown

Cheapest Liability Coverage in West Middletown, PA

Cheapest Full Coverage Car Insurance in West Middletown

Cheapest Full Coverage Car Insurance Quotes in West Middletown, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Middletown by Rating Factor

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

Car Insurance Premiums by Age in West Middletown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Middletown,PA

If you are in your twenties Travelers is the best choice for car insurance in West 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 West Middletown

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

West Middletown Car Insurance Rates by Violation

West Middletown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Middletown after a DUI

West Middletown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Middletown after Speeding ticket

Car Insurance Price Trends in West Middletown, Pennsylvania

Average Car Insurance Cost in West Middletown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Middletown, PA

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

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