Cheapest Car Insurance Quotes in Middleton

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Middleton Car Insurance

^$ 26

/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 Middleton

The car insurance rate in Middleton is $930 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Middleton 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 Middleton

$930

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Middleton

1st place: AutoOwners Insurance Co

At $488 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $514 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $514 for six months, making it the third cheapest auto insurance company in Middleton.

Middleton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Middleton, TN is AutoOwners Insurance Co, offering policies at just $488 for a six-month term. This is followed by Erie, which has an average six-month premium of $514.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1557 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middleton drivers find the best deals.

Cheap Car Insurance Companies in Middleton, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$488	$81
Erie	$514	$88
Westfield	$514	$85
Tennessee Farm Bureau	$548	$93
Travelers	$765	$129
Farmers	$928	$156
USAA	$935	$157
Grange	$942	$158
Farm Bureau of Tennessee	$975	$163
Tennessee Farmers	$1090	$186
Penn National	$1179	$196
State Farm	$1287	$219
Nationwide	$1306	$218
Progressive	$1557	$264

Key Takeaways

Way's key takeaways about car insurance in Middleton

The auto insurance costs in Middleton fall around $488 for six months.
The cheapest auto insurance company in Middleton is Westfield.
Teen drivers pay the highest rate in Middleton at $55 per month.

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Cheapest Minimum Liability Car Insurance in Middleton

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 Middleton are given below.

Westfield provides the cheapest minimum car insurance coverage in Middleton. Their Average 6 Month Premium is $156. AutoOwners is the most expensive at $223 for the same period.

Cheapest Liability Coverage in Middleton, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$182	$31
Tennessee Farm Bureau	$189	$32
Farm Bureau of Tennessee	$196	$33
Tennessee Farmers	$223	$38
USAA	$223	$38
Cincinnati	$230	$39
Erie	$244	$41
Travelers	$244	$41
Farmers	$258	$43
Penn National	$278	$47
Progressive	$304	$51
State Farm	$304	$51
Allstate	$495	$84
Auto-Owners	$223	$38

Cheapest Full Coverage Car Insurance in Middleton

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 Middleton is AutoOwners Insurance Co at $81 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middleton, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$488	$81
Erie	$514	$88
Westfield	$514	$85
Tennessee Farm Bureau	$548	$93
Travelers	$765	$129
Farmers	$928	$156
USAA	$935	$157
Grange	$942	$158
Farm Bureau of Tennessee	$975	$163
Tennessee Farmers	$1090	$186
Penn National	$1179	$196
State Farm	$1287	$219
Nationwide	$1306	$218
Progressive	$1557	$264

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Average Car Insurance in Middleton 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 Middleton, TN increasing?

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

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

Car Insurance Premiums by Age in Middleton

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	Penn National	$691
30s	Penn National	$475
40s	Penn National	$431
50s	Penn National	$399
60s	Penn National	$418
70s	Penn National	$481

Cheapest Car Insurance Rates for Teen Drivers in Middleton,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Middleton at $31 per month. At $325 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
USAA	$217	$36
Tennessee Farm Bureau	$258	$43
Travelers	$258	$43
Auto-Owners Insurance Co	$271	$46
Farmers	$291	$49
Grange	$291	$49
Progressive	$291	$49
Cincinnati	$298	$50
Erie	$298	$50
State Farm	$325	$55

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Middleton.

As young drivers face the highest rates in Middleton, Penn National offers the cheapest auto insurance rates at $691 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 Middleton, Tennessee Farm Bureau is the cheapest car insurance provider. At $217 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 Middleton is Erie, offering rates of around $426 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$217	$36
Westfield	$284	$48
Grange	$339	$58
Farmers	$366	$60
Progressive	$366	$63
Travelers	$366	$60
Cincinnati	$399	$68
Erie	$426	$71

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Car Insurance Rates with An Accident in Middleton

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 Middleton, TN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Middleton include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $189 and $196, respectively. Grange is an expensive provider with an average six-month premium of $366.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$189	$32
Farm Bureau of Tennessee	$196	$33
Westfield	$264	$44
USAA	$284	$48
Farmers	$291	$49
Travelers	$298	$50
Progressive	$311	$52
Erie	$332	$56
State Farm	$332	$56
Auto-Owners Insurance Co	$339	$58
Grange	$366	$60

Middleton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Middleton TN. For example, the car insurance in Middleton after a DUI increases to $1131 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Middleton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1131	$188
Not-at-fault accident	$1138	$194
One Med/PIP claim	$1145	$190
One comp claim	$1158	$197
Two comp claims	$1172	$195
Two Med/PIP claims	$1172	$199
Failure to wear a seat belt	$1300	$217
Failure to show documents	$1320	$225
Child safety restraint	$1327	$221
Driving without lights	$1327	$226
Cell phone violation	$1347	$225
Driving with expired registration	$1347	$229
Speeding 6 - 10 MPH over limit	$1347	$225
Driving too slowly	$1354	$230
Speeding 11 - 15 MPH over limit	$1354	$226
Speeding in school zone	$1354	$230
Failure to yield	$1361	$227
Following too closely	$1361	$231
Illegal turn	$1361	$227
Speeding 16 - 20 MPH over limit	$1361	$231
Texting while driving	$1361	$227
Improper passing	$1375	$234
Wrong way/wrong lane	$1375	$229
Failure to stop at a red light	$1382	$235
In 65 MPH zone	$1402	$234
Speeding 21 - 25 MPH over limit	$1435	$244
At-fault accident - less than $1000	$1456	$243
Passing school bus	$1456	$247
Operating a vehicle without permission	$1544	$258
Open container	$1557	$264
At-fault accident - $1000-$2000	$1679	$280
At-fault accident - greater than $2000	$1679	$285
Reckless driving	$2119	$353
Racing	$2126	$361
Driving with a suspended license	$2181	$364
Refusal to submit to a chemical test	$2221	$377
DUI	$2262	$377
Leaving scene of an accident/hit and run	$2262	$384

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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 Middleton 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 Middleton.

The cheapest car insurance premiums in Middleton are offered by Tennessee Farm Bureau at $298 for a six-month policy. However, it can be as expensive as $1868 with companies like Allstate.

Middleton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$298	$50
Farmers	$345	$58
Erie	$352	$60
Grange	$461	$76
Travelers	$569	$96
State Farm	$820	$138
Progressive	$853	$144
USAA	$968	$163
Tennessee Farmers	$1313	$223
Allstate	$1868	$311

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 Middleton are offered by Westfield at $182. However, it can be as expensive as $311 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Middleton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
Tennessee Farm Bureau	$189	$32
Erie	$217	$36
Auto-Owners Insurance Co	$264	$44
State Farm	$264	$44
Cincinnati	$278	$47
Travelers	$298	$50
Chubb	$304	$51
Progressive	$311	$52

Car Insurance Price Trends in Middleton, Tennessee

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

The average cost of full coverage in the Middleton remained steady at $109 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Middleton remained steady at $42 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 Middleton?

The car insurance in Middleton is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Middleton?

The cheapest car insurance in Middleton is $81 per month for full coverage.

How much is car insurance in Middleton for teenagers?

Car insurance for teenagers costs $182 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 Middleton?

The average cost of car insurance is $816 for a six-month policy. It will cost around $156 per month to insure your car in Middleton.

Is car insurance expensive in Middleton?

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

Cheapest Car Insurance Quotes in Middleton

Why you can trust Way?

How Much Is Car Insurance in Middleton

Avg. Car Insurance in Middleton

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Middleton

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Middleton Car Insurance Rates by Company

Cheap Car Insurance Companies in Middleton, TN

Way's key takeaways about car insurance in Middleton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Middleton

Cheapest Liability Coverage in Middleton, TN

Cheapest Full Coverage Car Insurance in Middleton

Cheapest Full Coverage Car Insurance Quotes in Middleton, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Middleton by Rating Factor

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

Car Insurance Premiums by Age in Middleton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Middleton,TN

If you are in your twenties Penn National is the best choice for car insurance in Middleton.

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 Middleton

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

Middleton Car Insurance Rates by Violation

Middleton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Middleton after a DUI

Middleton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Middleton after Speeding ticket

Car Insurance Price Trends in Middleton, Tennessee

Average Car Insurance Cost in Middleton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Middleton, TN

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

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