Car Insurance in Middletown, DE – 2025 Average Cost + Cheapest Autos

• Middletown car insurance rates average $2,738 per year for a full coverage policy, or approximately $228 per month.
• Middletown car insurance averages $22 per year more than the Delaware state average rate and $517 per year more than the rate average for the entire United States.
• For cheap auto insurance in Middletown, SUV models like the Nissan Kicks, Kia Soul, Toyota Corolla Cross, and Mazda CX-5 cost less than most other models.
• Models with the cheapest car insurance in Middletown in their respective segments include the Chevrolet Tahoe ($2,572 per year), Chevrolet Colorado ($2,412 per year), Mercedes-Benz CLA250 ($2,818 per year), and Kia K5 ($2,638 per year).
• Car insurance quotes in Middletown have significant variability from as low as $38 per month for a liability-only policy to well over $657 per month drivers with many accidents and violations.

What is average car insurance cost in Middletown?

The average car insurance cost in Middletown is $2,738 per year, or about $228 per month for full coverage. It costs 20.9% more to insure the average vehicle in Middletown, Delaware, than the U.S. average rate of $2,221.

In the state of Delaware, average auto insurance cost is $2,716 per year, so the average cost in Middletown is $22 more per year. When compared to other larger cities in Delaware, the cost of car insurance in Middletown is approximately $112 per year more than in Smyrna, $220 per year more expensive than in Dover, and $242 per year less than in Wilmington.

The age of the rated driver makes a big difference in the price you pay for car insurance, so the list below details how age impacts cost by breaking down average car insurance rates for drivers from age 16 to 60.

Average cost of car insurance in Middletown, DE, by driver age

• 16-year-old driver – $9,757 per year or $813 per month
• 17-year-old driver – $9,449 per year or $787 per month
• 18-year-old driver – $8,472 per year or $706 per month
• 19-year-old driver – $7,712 per year or $643 per month
• 20-year-old driver – $5,514 per year or $460 per month
• 30-year-old driver – $2,924 per year or $244 per month
• 40-year-old driver – $2,738 per year or $228 per month
• 50-year-old driver – $2,428 per year or $202 per month
• 60-year-old driver – $2,274 per year or $190 per month

The chart below summarizes auto insurance cost in Middletown for different common policy situations. Rates are averaged for all Middletown Zip Codes and shown based on an assortment of driver ages, policy deductibles, and policy risk factors.

Average rates in the chart range from $2,276 per year for a 40-year-old driver who meets the requirements for many policy discounts to $6,298 per year for a 20-year-old driver with a history of violations and/or at-fault accidents. Throughout our site, the rate used for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which is an average cost of $2,738 per year.

As a monthly amount, the average cost to insure a car in Middletown ranges from $190 to $525 for the risk profiles shown in the chart above.

Vehicle models that are popular in Middletown tend to be compact and midsize sedans like the Toyota Corolla, Nissan Sentra, and Nissan Altima and compact and midsize SUVs like the Honda CR-V, Ford Escape, and Subaru Outback.

A few additional popular models from other vehicle segments include luxury cars like the Lexus ES 350 and Infiniti Q50, luxury SUVs like the Lexus RX 350 and Acura MDX, and models from the pickup truck segment like the Ford F-150 and Chevy Silverado.

We explore additional rates coming up, but before we get into that, let’s make a quick review of the comparisons and concepts covered so far.

• Middletown, DE, car insurance costs more than the U.S. average – $2,738 (Middletown average) compared to $2,221 (U.S. average)
• Auto insurance costs less as you get older – Auto insurance rates for a 40-year-old driver in Middletown are $2,776 per year cheaper than for a 20-year-old driver.
• Auto insurance rates fall considerably between ages 20 and 30 – The average 30-year-old Middletown, Delaware, driver will pay $2,590 less per year than a 20-year-old driver, $2,924 compared to $5,514.
• Lower deductible car insurance is more expensive than high deductible – A 20-year-old driver pays an average of $1,474 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Insurance for teen drivers is expensive – The average cost ranges from $6,523 to $9,757 per year for teen driver car insurance in Middletown, DE.

Which vehicles have cheap insurance in Middletown?

When comparing all types of vehicles, the models with the best car insurance quotes in Middletown, DE, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Nissan Kicks. Average insurance prices for those vehicles cost $2,226 or less per year to get full coverage.

Some other vehicles that are highly ranked in our insurance cost comparison are the Kia Niro, Subaru Outback, Nissan Murano, and Volkswagen Tiguan.

Rates are a little higher for those models than the cheapest compact SUVs at the top of the list, but they still have an average cost of $199 or less per month in Middletown.

The next table details the 25 models with the cheapest car insurance in Middletown, ordered by cost.

A table showing 25 ranked vehicles is probably not the best way to present a comprehensive summary of Middletown insurance rates. A better way to look at rates in a practical manner is by organizing them by their automotive segment.

The next section of this article details the average cost to insure each different vehicle segment. This should give you a good understanding of the types of vehicles that have the overall best Middletown car insurance rates. Then the following six sections display the 20 cheapest models in the most popular automotive segments.

Average insurance cost by automotive segment

When shopping around for a new or used vehicle, it’s useful to know which types of vehicles have better auto insurance rates. As an example, maybe you’re curious if compact SUVs have cheaper car insurance than midsize SUVs or if sports cars have more expensive car insurance than regular cars.

The next chart displays average auto insurance cost by vehicle segment in Middletown. When looking at rates from a segment perspective, compact SUVs and midsize pickup trucks tend to have the most affordable average rates, while exotic performance cars have the highest average cost of insurance.

Auto insurance rates by segment are handy to make an overall comparison, but the insurance cost for specific vehicles ranges quite significantly within each vehicle segment displayed in the previous chart.

For example, in the small car segment, car insurance rates in Middletown range from the Toyota GR Corolla costing $2,382 per year for a full coverage policy to the Toyota Mirai costing $3,408 per year. Also, in the large SUV segment, rates range from the Chevrolet Tahoe at $2,572 per year to the Toyota Sequoia costing $3,426 per year.

In the upcoming sections, we eliminate much of the variability by looking at the cost of auto insurance in Middletown at a model level.

Cheapest car insurance rates in Middletown, DE

The four lowest-cost non-luxury two and four door cars to insure in Middletown are the Toyota GR Corolla at $2,382 per year, Nissan Leaf at $2,400 per year, Honda Civic at $2,426 per year, and Nissan Sentra at $2,510 per year.

Not the cheapest, but still very affordable, are models like the Chevrolet Malibu, Toyota Corolla, Honda Accord, and Toyota Prius, with an average cost of $2,668 per year or less.

As a cost per month, auto insurance rates on this segment in Middletown can cost as low as $199 per month, depending on the company and your location. The next table ranks the cars with the most affordable car insurance in Middletown.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Middletown car insurance quotes from top car insurance companies in Delaware.

Cheapest SUVs to insure in Middletown

The top four non-luxury SUVs with the most affordable insurance rates in Middletown are the Subaru Crosstrek at $2,024 per year, Chevrolet Trailblazer at $2,060 per year, Kia Soul at $2,138 per year, and Nissan Kicks at $2,156 per year.

Rounding out the top 10 are SUVs like the Toyota Corolla Cross, Ford Bronco Sport, Mazda CX-5, and Buick Envision, with average cost of $2,244 per year or less.

Additional vehicles that rank well include the Subaru Ascent, Buick Envista, Buick Encore, Volkswagen Tiguan, and Kia Niro, which average between $2,244 and $2,384 per year for insurance.

Car insurance in Middletown for this segment starts at around $169 per month, depending on your location.

The rate comparison table below ranks the twenty SUVs with the cheapest auto insurance rates in Middletown, starting with the Subaru Crosstrek at $169 per month and ending with the Subaru Ascent at $199 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see rates for your SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Middletown car insurance quotes from top companies in Delaware.

Cheapest insurance rates for pickups

Ranking highest for the most affordable Middletown auto insurance rates in the pickup segment are the Nissan Titan, Nissan Frontier, Ford Ranger, Ford Maverick, and Chevrolet Colorado. Car insurance quotes for these vehicles average $2,658 or less per year, or around $222 per month.

Additional models that rank well in our comparison include the Honda Ridgeline, GMC Canyon, GMC Sierra 2500 HD, and Toyota Tacoma, with average insurance cost of $2,818 per year or less.

On a monthly basis, car insurance rates in this segment will start around $201 per month, depending on the company and where you live. The next table ranks the twenty pickups with the most affordable insurance rates in Middletown, starting with the Chevrolet Colorado at $2,412 per year and ending with the Ram Truck at $3,166 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your pickup in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Middletown car insurance quotes from top car insurance companies in Delaware.

Cheapest luxury cars to insure

Ranking highest for the cheapest Middletown auto insurance rates in the luxury car segment are the BMW 330i, Acura TLX, Mercedes-Benz CLA250, Lexus IS 300, and Acura Integra. Car insurance rates for these models average $236 or less per month.

Rounding out the top 10 are models like the Cadillac CT4, Genesis G70, Lexus RC 300, and Mercedes-Benz AMG CLA35, with average rates of $2,880 per year or less.

On a monthly basis, car insurance rates in Middletown on this segment for a good driver will start around $203 per month, depending on the company and your location.

If rates are ranked by vehicle size, the most affordable small luxury car to insure in Middletown is the Acura Integra at $2,436 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,818 per year. And for large luxury car models, the Audi A5 is the cheapest model to insure at $3,256 per year.

The comparison table below ranks the cars with the cheapest insurance in Middletown, starting with the Acura Integra at $2,436 per year ($203 per month) and ending with the Audi S3 at $3,072 per year ($256 per month).

See our guide for luxury car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Middletown car insurance quotes from top-rated car insurance companies in Delaware.

Cheapest luxury SUVs to insure

Ranking highest for the cheapest Middletown auto insurance rates in the luxury SUV segment are the Acura RDX, Jaguar E-Pace, Cadillac XT5, Lexus NX 250, and Cadillac XT4. Auto insurance rates for these 2024 models average $2,584 or less per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are luxury SUVs like the Lexus NX 450h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lincoln Corsair, with average rates of $2,642 per year or less.

As a cost per month, full-coverage insurance in this segment starts at around $191 per month, depending on the company and your location.

When rates are compared by vehicle size, the cheapest compact luxury SUV to insure in Middletown is the Acura RDX at $2,290 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,562 per year. And for full-size luxury SUVs, the Infiniti QX80 is most affordable to insure at $3,072 per year.

The rate comparison table below ranks the twenty SUVs with the lowest-cost auto insurance rates in Middletown, starting with the Acura RDX at $2,290 per year ($191 per month) and ending with the Lexus RX 350 at $2,748 per year ($229 per month).

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Middletown car insurance quotes from top-rated car insurance companies in Delaware.

Cheapest sports cars to insure

The four lowest-cost sports cars to insure in Middletown are the Mazda MX-5 Miata at $2,536 per year, Toyota GR86 at $2,886 per year, Ford Mustang at $3,010 per year, and BMW Z4 at $3,026 per year.

Not the cheapest sports cars to insure, but still affordable, are models like the BMW M2, Nissan Z, Toyota GR Supra, and Lexus RC F, with an average cost of $3,276 per year or less.

On a monthly basis, auto insurance in this segment starts at around $211 per month, depending on where you live.

The comparison table below ranks the twenty sports cars with the lowest-cost insurance in Middletown, starting with the Mazda MX-5 Miata at $211 per month and ending with the Porsche Taycan at $387 per month.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Middletown.

What to expect when buying auto insurance

In order to reinforce the amount car insurance premiums can deviate for different applicants (and also emphasize the importance of accurate rate quotes), the sections below have many different rates for three popular vehicles in Middletown: the Chevrolet Silverado, Nissan Sentra, and Honda CR-V.

Each vehicle example uses a variety of different driver profiles to demonstrate how rates can vary based on driver risk or policy deductible limits.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Middletown costs an average of $3,030 per year, or about $253 per month, and varies from $2,510 to $7,030 per year for the sample driver risk profiles in the chart shown below.

The Chevrolet Silverado is part of the full-size truck segment, and other models popular in Middletown include the GMC Sierra, Nissan Titan, Ford F150, and Ram Truck.

Nissan Sentra insurance rates

In Middletown, Nissan Sentra insurance averages $2,510 per year ($209 per month) and ranges from $2,086 to $5,706 per year for the driver examples used in the next chart.

The Nissan Sentra is part of the compact car segment, and other popular models in the same segment include the Hyundai Elantra, Volkswagen Jetta, and Toyota Corolla.

Honda CR-V insurance rates

In Middletown, Honda CR-V insurance averages $2,334 per year ($195 per month) and ranges from $1,942 to $5,366 annually.

The Honda CR-V is considered a compact SUV, and additional similar models from the same segment include the Toyota RAV4, Ford Escape, Subaru Forester, and Nissan Rogue.

How to find cheaper Middletown car insurance

Smart drivers in Middletown are often looking to save money on insurance, so look through the tips in this next list and maybe you’ll find a way to save a few bucks when buying auto insurance.

• Raise your credit for better rates. Having excellent credit of 800+ could save around $430 per year versus a credit score between 670-739. Conversely, a weaker credit score could cost up to $498 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• A clean driving record saves money. In order to have affordable car insurance in Middletown, it pays to obey traffic laws. A couple of blemishes on your motor vehicle report could result in raising insurance policy cost by up to $728 per year.
• Your job could earn you policy discounts. Most auto insurance providers offer policy discounts for being employed in professions like architects, doctors, nurses, accountants, engineers, high school and elementary teachers, and others. By qualifying for this profession discount, you may save between $82 and $266 on your car insurance cost.
• Choose vehicles that have more affordable car insurance. The performance of the vehicle you drive is one of the biggest factors in the cost of car insurance. For example, a Subaru Forester costs $2,896 less per year to insure in Middletown than a Nissan GT-R. Lower performance vehicles save money.
• Stay claim free and save. Most auto insurance companies give a discounted rate if you have not filed any claims. Auto insurance should be used for larger claims, not for insignificant claims.
• Raising deductibles makes insurance more affordable. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.