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 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Middletown after a DUI is American Family
  • Average car insurance rates in Middletown, OH are $239/month
  • Average car insurance rates in Middletown, OH for senior drivers are $1,478/year

Average car insurance rates in Middletown, Ohio are $239 a month. But with a little research you can get a great deal from the top car insurance companies in Middletown, OH. Before you buy Middletown, Ohio car insurance, make sure your coverage meets or exceeds the Ohio minimum of 25/50/25.

It may even be helpful to compare Middletown car insurance rates with Cleveland car insurance rates, Parma car insurance rates, or Hamilton car insurance rates to make sure you’re getting the best Middletown, OH car insurance quotes available.

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

Middletown, OH Minimum Car Insurance Coverage

Middletown, Ohio law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Middletown, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Middletown, OH Car Insurance Rates by Coverage Level

Some Middletown drivers can get by with the Ohio minimum coverage of 25/50/25. Other drivers may need more. See how much your Middletown, Ohio car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Middletown, Ohio

Insurance Company Low Medium High
Allstate $2,980 $3,067 $3,173
American Family $1,556 $1,599 $1,606
Farmers $3,386 $3,520 $3,821
GEICO $1,770 $1,822 $1,897
Liberty Mutual $3,914 $4,083 $4,192
Nationwide $3,690 $3,232 $3,083
Progressive $3,561 $3,681 $3,906
State Farm $2,682 $2,846 $2,979
Travelers $3,066 $3,198 $3,203
USAA $1,470 $1,539 $1,613

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

Middletown, Ohio car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Middletown, OH 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, Ohio

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 $2,035 $2,019 $1,841 $1,966 $5,747 $6,588 $2,127 $2,264
American Family $974 $1,009 $897 $900 $3,091 $3,349 $1,206 $1,269
Farmers $1,872 $1,865 $1,648 $1,742 $8,430 $8,747 $2,105 $2,197
GEICO $1,310 $1,277 $1,239 $1,256 $3,562 $3,314 $1,453 $1,226
Liberty Mutual $1,880 $2,049 $1,446 $1,755 $9,958 $11,245 $1,993 $2,177
Nationwide $2,222 $2,233 $2,005 $2,019 $5,697 $7,347 $2,382 $2,773
Progressive $1,895 $1,776 $1,585 $1,638 $8,586 $9,651 $2,258 $2,339
State Farm $1,661 $1,661 $1,500 $1,500 $5,413 $6,787 $1,937 $2,226
Travelers $1,432 $1,451 $1,438 $1,425 $6,329 $9,980 $1,498 $1,692
USAA $918 $924 $881 $873 $2,927 $3,249 $1,228 $1,323

Middletown, OH Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Middletown, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,747 $6,588
American Family $3,091 $3,349
Farmers $8,430 $8,747
GEICO $3,562 $3,314
Liberty Mutual $9,958 $11,245
Nationwide $5,697 $7,347
Progressive $8,586 $9,651
State Farm $5,413 $6,787
Travelers $6,329 $9,980
USAA $2,927 $3,249

Middletown, OH Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Middletown, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,966
American Family $897 $900
Farmers $1,648 $1,742
GEICO $1,239 $1,256
Liberty Mutual $1,446 $1,755
Nationwide $2,005 $2,019
Progressive $1,585 $1,638
State Farm $1,500 $1,500
Travelers $1,438 $1,425
USAA $881 $873

Middletown, OH Car Insurance Rates by Credit History

How does your credit history affect Middletown, OH car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Middletown, Ohio

Insurance Company Poor Fair Good
Allstate $3,940 $2,879 $2,401
American Family $2,103 $1,438 $1,219
Farmers $4,046 $3,423 $3,258
GEICO $2,193 $1,830 $1,466
Liberty Mutual $5,815 $3,573 $2,801
Nationwide $4,026 $3,242 $2,737
Progressive $4,161 $3,611 $3,376
State Farm $4,043 $2,497 $1,968
Travelers $3,526 $3,071 $2,870
USAA $1,996 $1,417 $1,209

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Middletown, OH Car Insurance Rates by Driver History

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

Annual Middletown, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,574 $3,116 $3,682 $2,922
American Family $1,520 $1,609 $1,609 $1,609
Farmers $2,942 $3,798 $3,703 $3,859
GEICO $1,236 $1,793 $2,617 $1,673
Liberty Mutual $3,413 $4,382 $4,473 $3,983
Nationwide $2,672 $3,400 $4,314 $2,954
Progressive $3,199 $4,370 $3,413 $3,882
State Farm $2,570 $3,101 $2,836 $2,836
Travelers $2,310 $3,028 $4,584 $2,700
USAA $1,179 $1,588 $2,090 $1,306

Middletown, OH Car Insurance Rates With a DUI

Even a single DUI can increase your Middletown, OH 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, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,682
American Family $1,609
Farmers $3,703
GEICO $2,617
Liberty Mutual $4,473
Nationwide $4,314
Progressive $3,413
State Farm $2,836
Travelers $4,584
USAA $2,090

Middletown, OH Car Insurance Rates by ZIP Code

Just like Middletown car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Middletown, OH car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Middletown, Ohio

ZIP Code Average Annual Rates
45042 $2,757
45044 $2,733

Middletown, OH Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Middletown, OH 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, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,073 $3,073
American Family $1,568 $1,606
Farmers $3,576 $3,576
GEICO $1,800 $1,860
Liberty Mutual $4,063 $4,063
Nationwide $3,335 $3,335
Progressive $3,716 $3,716
State Farm $2,764 $2,907
Travelers $3,156 $3,156
USAA $1,482 $1,598

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Middletown, OH Cheapest Car Insurance Rates

How do the top Middletown, Ohio car insurance companies’ average rates stack up against the Middletown average monthly car insurance rates of $239? Take a look and see.

Best Annual Car Insurance Rates by Company in Middletown, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Middletown, OH Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Middletown, Ohio

Insurance Company Average Annual Rates
Allstate $3,073
American Family $1,587
Farmers $3,576
GEICO $1,830
Liberty Mutual $4,063
Nationwide $3,335
Progressive $3,716
State Farm $2,836
Travelers $3,156
USAA $1,540

Other Factors Affecting Middletown, OH Car Insurance Rates

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

Middletown, OH Commute Time

How does your Middletown, OH commute time compare with the average driver? In Middletown, the average commute is 22.3 minutes.

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Middletown, OH Car Insurance Quotes

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