Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Middletown, CA are $291/month
  • Average car insurance rates in Middletown, CA for senior drivers are $2,102/year
  • The cheapest car insurance company in Middletown for teen drivers is USAA

Average car insurance rates in Middletown, California are $291 a month. But with a little research you can get a great deal from the top car insurance companies in Middletown, CA. Before you buy Middletown, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Middletown car insurance rates with Fresno car insurance rates, Sacramento car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best Middletown, CA car insurance quotes available.

Need affordable Middletown, CA car insurance? Enter your ZIP code to compare Middletown car insurance quotes from multiple car insurance companies near you.

Middletown, CA Minimum Car Insurance Coverage

Middletown, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Middletown, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Middletown, CA Car Insurance Rates by Coverage Level

Some Middletown drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Middletown, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Middletown, California

Insurance Company Low Medium High
Allstate $3,758 $3,975 $4,100
Farmers $4,261 $4,559 $4,766
GEICO $2,570 $2,847 $3,041
Liberty Mutual $2,569 $2,754 $2,873
Nationwide $3,831 $4,291 $4,561
Progressive $2,713 $3,194 $3,375
State Farm $4,179 $4,589 $4,817
Travelers $2,729 $3,147 $3,345
USAA $2,282 $2,570 $2,711

Middletown, CA Car Insurance Rates by Age, Gender, and Marital Status

Middletown, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Middletown, CA car insurance, get quotes from multiple car insurance companies in the Middletown area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Middletown, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,537 $2,544 $1,849 $1,876 $7,014 $8,833 $3,275 $3,625
Farmers $2,445 $2,445 $2,194 $2,194 $7,847 $12,970 $2,901 $3,232
GEICO $1,745 $1,747 $1,642 $1,642 $5,298 $5,404 $2,506 $2,570
Liberty Mutual $2,068 $1,966 $1,917 $1,860 $4,547 $4,809 $2,341 $2,349
Nationwide $2,992 $2,862 $2,601 $2,457 $7,515 $8,300 $3,560 $3,533
Progressive $1,917 $1,971 $1,658 $1,957 $5,197 $6,245 $2,799 $3,009
State Farm $3,579 $3,579 $3,196 $3,196 $6,538 $8,077 $3,966 $4,094
Travelers $2,306 $2,239 $2,037 $2,014 $4,670 $5,393 $2,996 $2,937
USAA $1,809 $1,715 $1,765 $1,773 $4,118 $4,131 $2,496 $2,361

Middletown, CA Car Insurance Rates for Teens

How much is Middletown, California car insurance for teens? Compare rates from top Middletown car insurance companies below to help find the cheapest teen car insurance in Middletown, CA.

Annual Car Insurance Rates for Teen Drivers in Middletown, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,014 $8,833
Farmers $7,847 $12,970
GEICO $5,298 $5,404
Liberty Mutual $4,547 $4,809
Nationwide $7,515 $8,300
Progressive $5,197 $6,245
State Farm $6,538 $8,077
Travelers $4,670 $5,393
USAA $4,118 $4,131

Middletown, CA Car Insurance Rates for Seniors

Before seniors buy Middletown, California car insurance, they should make sure to shop around. Some Middletown, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Middletown, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,849 $1,876
Farmers $2,194 $2,194
GEICO $1,642 $1,642
Liberty Mutual $1,917 $1,860
Nationwide $2,601 $2,457
Progressive $1,658 $1,957
State Farm $3,196 $3,196
Travelers $2,037 $2,014
USAA $1,765 $1,773

Middletown, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Middletown, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Middletown.

Annual Middletown, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,375 $4,014 $6,271 $3,117
Farmers $3,341 $4,555 $5,688 $4,529
GEICO $1,973 $3,037 $3,819 $2,448
Liberty Mutual $2,371 $3,179 $2,866 $2,512
Nationwide $2,952 $3,780 $6,398 $3,780
Progressive $2,012 $3,446 $4,017 $2,902
State Farm $3,227 $3,851 $7,287 $3,747
Travelers $2,069 $3,327 $3,887 $3,013
USAA $1,676 $2,489 $4,083 $1,836

Middletown, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Middletown, CA car insurance rates. Compare rates below to see which Middletown car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Middletown, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,271
Farmers $5,688
GEICO $3,819
Liberty Mutual $2,866
Nationwide $6,398
Progressive $4,017
State Farm $7,287
Travelers $3,887
USAA $4,083

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Middletown, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Middletown, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Middletown companies based on commute time.

Annual Car Insurance Rates by Commute Length in Middletown, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,563 $4,326
Farmers $4,110 $4,947
GEICO $2,562 $3,077
Liberty Mutual $2,510 $2,954
Nationwide $3,733 $4,722
Progressive $2,811 $3,377
State Farm $4,368 $4,689
Travelers $2,766 $3,382
USAA $2,322 $2,720

Middletown, CA Cheapest Car Insurance Rates

How do the top Middletown, California car insurance companies’ average rates stack up against the Middletown average monthly car insurance rates of $291? Take a look and see.

Best Annual Car Insurance Rates by Company in Middletown, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Middletown, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Middletown, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Middletown, California

Insurance Company Average Annual Rates
Allstate $3,944
Farmers $4,528
GEICO $2,819
Liberty Mutual $2,732
Nationwide $4,228
Progressive $3,094
State Farm $4,528
Travelers $3,074
USAA $2,521

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Other Factors Affecting Middletown, CA Car Insurance Rates

Before you buy Middletown, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Middletown, CA Car Theft Rates

The car theft rate in Middletown, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Middletown, California is 75 stolen cars.

Middletown, CA Commute Time

How does your Middletown, CA commute time compare with the average driver? In Middletown, the average commute is 30.9 minutes.

Middletown, CA Car Insurance Quotes

Compare Middletown, CA car insurance quotes from multiple companies by entering your ZIP code now.