120+ more*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Updated
State Farm is the cheapest car insurance company in Midland.
Midland’s average car insurance rate is $148 per month, compared to the state average of $159 per month.
Six of Midland’s top 10 crash locations are on Loop 250 or interstate roadways.
Midland drivers pay an average of $91 per month for state-minimum Texas insurance and $204 per month for full coverage, according to Insurify data. That’s well below Houston’s $214 per-month overall average but higher than Abilene’s $129.
Fewer motor vehicle thefts and lower population density help keep auto insurance costs in Midland moderate. But oilfield traffic increases collision risk.[1]
Here’s how Midland drivers’ overall rates compare to the average Texas car insurance cost.
Car Insurance Costs in Midland vs. Texas  | Average Monthly Quote |
|---|---|
| Midland average | $148 |
| Texas average | $159 |
State Farm offers the cheapest average liability and full-coverage insurance in Midland. Allstate and Mile Auto are two more of the most affordable auto insurers for Midland drivers.
Midland sits in the Permian Basin, and the oil and gas industry shapes almost everything about driving in the area. Interstate 20 runs along the city’s southern edge, while Loop 250 circles the north, handling most of the area’s commuter and commercial traffic.
Even with heavier traffic, parking is generally easier to find in Midland than in bigger Texas cities. But driving conditions can change quickly, and sudden dust storms can reduce driver visibility on open stretches of I-20 and Highway 349.
Spring and summer thunderstorms also bring hail that can cause thousands of dollars in vehicle damage within minutes.
Midland’s motor vehicle theft rate declined nearly 8% in 2025, according to the Midland Police Department.[2] Still, Texas ranked among the top 10 states in the nation for vehicle thefts in 2025. The Chevrolet Silverado 1500 was the most stolen vehicle, according to the National Insurance Crime Bureau.
Comprehensive coverage protects against vehicle theft, and insurers base your rate in part on risk factors such as where you live. Adding a steering wheel lock or GPS tracker is a relatively low-cost move, and many insurers offer discounts for anti-theft devices.
Midland’s average car insurance rate is $148 per month. That’s cheaper than Houston, where more people and more accidents push rates above the state average. Abilene has Texas’ cheapest car insurance despite the city’s high crash rate.[3]
Odessa, Midland’s sister city just 20 miles west, has similar liability-only prices. But Odessa has more car accidents, which may contribute to higher full-coverage rates than Midland drivers pay.
Midland’s declining theft numbers help keep insurance costs down, but heavy truck traffic on Loop 250 and I-20 contributes to more severe crashes.
Here’s how Midland’s average monthly insurance rates compare to other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
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Loop 250 and I-20 are heavily congested in Midland. Both see a mix of passenger cars, oversize oilfield rigs, and service vehicles.
The interchange at Loop 250 and Andrews has been the city’s highest-crash intersection for multiple years, and six of the city’s top 10 crash sites sit on Loop 250 or interstate roadways, according to Midland’s 2025 Traffic Crash Report.[4]
Midland’s average commute time is 23 minutes, which is less than the 28-minute state average. But seasonal dust storms can cut visibility on open stretches, adding risk that shorter drive times don’t account for.
State Farm offers the lowest liability-only car insurance quotes in Midland, with rates as low as $40 per month. Liability only is considerably cheaper than full coverage in Midland, making it an option worth considering if you own an older vehicle outright and want to keep costs low.
Texas requires every driver to have at least 30/60/25 in liability insurance coverage. These limits satisfy the legal minimum requirements in Texas, but they won’t cover your vehicle repairs or medical expenses.
The table below shows the cheapest liability-only car insurance quotes in Midland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| Allstate | $57 |
| Mile Auto | $59 |
| Progressive | $61 |
| GEICO | $65 |
| USAA | $73 |
| Mercury | $81 |
| First Acceptance | $84 |
| The General | $86 |
| Alinsco | $87 |
| Lone Star | $89 |
| Freedom National | $90 |
| Nationwide | $91 |
| Commonwealth Casualty | $92 |
| Dairyland | $93 |
| GAINSCO | $94 |
| Bristol West | $96 |
| Clearcover | $96 |
| Root | $97 |
| Mendota | $99 |
| Covercube | $100 |
| AssuranceAmerica | $101 |
| Sun Coast | $107 |
| Safeco | $108 |
| Direct Auto | $109 |
| National General | $110 |
| Elephant | $114 |
| Loop | $114 |
| Chubb | $123 |
| Trexis One | $127 |
| 21st Century | $142 |
| Liberty Mutual | $175 |
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Full coverage in Midland averages $204 per month, which is cheaper than nearby Odessa’s $230 per month.
State Farm offers the lowest full-coverage rates in Midland, at $78 per month. Your lender will require full coverage if you finance or lease your vehicle, but comprehensive and collision coverage are also worth it — especially if you park outdoors during storm season.
The table below shows the cheapest full-coverage car insurance quotes in Midland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $78 |
| Allstate | $111 |
| Progressive | $114 |
| Mile Auto | $125 |
| Mercury | $128 |
| GEICO | $137 |
| USAA | $140 |
| Root | $156 |
| Safeco | $156 |
| Clearcover | $164 |
| Alinsco | $168 |
| Direct Auto | $168 |
| Elephant | $174 |
| Nationwide | $176 |
| GAINSCO | $179 |
| National General | $180 |
| Bristol West | $182 |
| The General | $189 |
| AssuranceAmerica | $190 |
| Mendota | $192 |
| Commonwealth Casualty | $202 |
| First Acceptance | $202 |
| Loop | $206 |
| Lone Star | $209 |
| Sun Coast | $211 |
| Dairyland | $225 |
| Covercube | $229 |
| Freedom National | $235 |
| Chubb | $237 |
| Liberty Mutual | $249 |
| Trexis One | $258 |
| 21st Century | $274 |
*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
For the nearly 4% of Midland drivers with a speeding ticket, State Farm offers the cheapest rates, according to Insurify data.
Texas doesn’t use a point-based system. Instead, the state tracks the number of moving traffic violations over a one- to two-year period. If you have four or more traffic violations within 12 months, the state may suspend your license.[5]
Below are the most affordable liability quotes for Midland drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| Mile Auto | $72 |
| Allstate | $74 |
| Progressive | $76 |
| GEICO | $85 |
| USAA | $94 |
| First Acceptance | $105 |
| Alinsco | $109 |
| Commonwealth Casualty | $109 |
| Lone Star | $112 |
| Mercury | $112 |
| GAINSCO | $113 |
| Freedom National | $113 |
| The General | $115 |
| Dairyland | $116 |
| Nationwide | $118 |
| Bristol West | $121 |
| Clearcover | $123 |
| Mendota | $124 |
| Covercube | $125 |
| AssuranceAmerica | $129 |
| Root | $129 |
| Sun Coast | $134 |
| Elephant | $137 |
| Direct Auto | $137 |
| National General | $137 |
| Safeco | $142 |
| Loop | $143 |
| Chubb | $157 |
| Trexis One | $159 |
| 21st Century | $187 |
| Liberty Mutual | $223 |
Texas car accident laws make Texas an at-fault state. The driver who causes a crash is responsible for the other party’s damages — even if someone else is driving your car.
Roughly 4% of Midland drivers have an at-fault accident on their record, according to Insurify data. If you’re one of them, State Farm has the most affordable liability-only quotes.
Here’s a look at the lowest liability rates for Midland drivers with an at-fault accident.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| Allstate | $77 |
| Mile Auto | $80 |
| Progressive | $81 |
| GEICO | $86 |
| USAA | $99 |
| First Acceptance | $112 |
| Alinsco | $116 |
| Lone Star | $118 |
| The General | $119 |
| Freedom National | $120 |
| GAINSCO | $121 |
| Mercury | $122 |
| Commonwealth Casualty | $122 |
| Nationwide | $123 |
| Dairyland | $124 |
| Bristol West | $127 |
| Root | $131 |
| Mendota | $132 |
| Covercube | $133 |
| AssuranceAmerica | $135 |
| Clearcover | $138 |
| Sun Coast | $142 |
| National General | $147 |
| Direct Auto | $149 |
| Elephant | $150 |
| Safeco | $151 |
| Loop | $152 |
| Chubb | $165 |
| Trexis One | $169 |
| 21st Century | $194 |
| Liberty Mutual | $234 |
Wrecks linked to impaired driving dropped 20% in 2025, according to Midland Police Department data.[6] Even so, a driving while intoxicated (DWI) conviction comes with an SR-22 filing requirement.
The 0.5% of high-risk drivers in Midland with a DWI on their driving record can find the lowest average Texas car insurance quotes with a DWI/DUI from State Farm, according to Insurify data.
The table below shows the cheapest liability insurance quotes for Midland drivers with a DWI.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $56 |
| Allstate | $80 |
| Mile Auto | $83 |
| Progressive | $84 |
| GEICO | $91 |
| USAA | $103 |
| First Acceptance | $116 |
| The General | $117 |
| Alinsco | $120 |
| Mercury | $121 |
| Lone Star | $123 |
| Freedom National | $124 |
| Commonwealth Casualty | $126 |
| Nationwide | $128 |
| Dairyland | $131 |
| GAINSCO | $133 |
| Bristol West | $135 |
| Clearcover | $135 |
| Mendota | $137 |
| Root | $138 |
| Covercube | $138 |
| AssuranceAmerica | $143 |
| Sun Coast | $148 |
| Direct Auto | $154 |
| National General | $155 |
| Loop | $158 |
| Elephant | $161 |
| Safeco | $162 |
| Chubb | $174 |
| Trexis One | $176 |
| 21st Century | $193 |
| Liberty Mutual | $247 |
New drivers in Midland can get a Texas learner’s permit at age 15 and a provisional license at age 16. Provisional licenses limit young drivers to one passenger younger than age 21, no driving between midnight and 5 a.m., and no cell phone use.
Midland has about 8,100 teens aged 15 to 17, which means many families face the cost of adding a young driver to their insurance. State Farm offers the best rates when it’s time to add a teen to your insurance policy in Midland.
The data below shows the insurers with the cheapest liability coverage rates for teen drivers in Midland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Allstate | $117 |
| Progressive | $120 |
| GEICO | $122 |
| Mile Auto | $126 |
| USAA | $140 |
| Mercury | $154 |
| The General | $161 |
| Clearcover | $164 |
| First Acceptance | $165 |
| Dairyland | $169 |
| Alinsco | $170 |
| Lone Star | $174 |
| GAINSCO | $175 |
| Root | $176 |
| Freedom National | $176 |
| Bristol West | $177 |
| Commonwealth Casualty | $179 |
| Nationwide | $184 |
| Mendota | $194 |
| Covercube | $196 |
| Sun Coast | $210 |
| Elephant | $211 |
| AssuranceAmerica | $217 |
| Direct Auto | $220 |
| Loop | $223 |
| Safeco | $227 |
| National General | $228 |
| Trexis One | $249 |
| Chubb | $262 |
| 21st Century | $266 |
| Liberty Mutual | $319 |
Seniors make up about 10% of Midland’s population. State Farm has the most affordable quotes for senior drivers in the city.
One thing to plan for: Texas requires in-person license renewals with a vision test starting at age 79.
The table below shows the cheapest liability quotes for senior drivers in Midland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| Allstate | $46 |
| Mile Auto | $46 |
| GEICO | $51 |
| Progressive | $52 |
| USAA | $59 |
| Mercury | $64 |
| Nationwide | $69 |
| First Acceptance | $71 |
| The General | $73 |
| Commonwealth Casualty | $73 |
| Alinsco | $74 |
| Lone Star | $76 |
| Freedom National | $77 |
| Dairyland | $79 |
| AssuranceAmerica | $79 |
| Bristol West | $80 |
| GAINSCO | $80 |
| Root | $80 |
| Mendota | $84 |
| Clearcover | $84 |
| Covercube | $85 |
| National General | $86 |
| Direct Auto | $89 |
| Sun Coast | $91 |
| Chubb | $92 |
| Elephant | $93 |
| Safeco | $94 |
| Loop | $97 |
| Trexis One | $108 |
| 21st Century | $111 |
| Liberty Mutual | $144 |
For more information about how to find the best car insurance in Midland, Texas, see below for answers to frequently asked questions.
The average cost of auto insurance in Midland is $148 per month. But your actual rate depends on your driving history, vehicle type, and the insurance plan you choose.
State Farm offers the cheapest liability-only quotes in Midland, at $40 per month.
Progressive is cheaper than GEICO in Midland for both liability and full-coverage car insurance. Still, the company with the cheapest rates for you depends on many factors, so comparing free quotes is the best way to find the lowest rate.
Your driving record, claims history, credit history, location, vehicle type, and how you use your car all affect the cost of your premium, according to the Texas Department of Insurance.
Compare quotes from multiple companies, ask about discounts, and consider adjusting your insurance coverage level or deductibles to find affordable car insurance in Midland. Bundling auto and home insurance policies can also lower your premium.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.