Cheapest Auto Insurance in Midland, Texas (2024)

Midland drivers pay $168 per month for auto insurance, which exceeds the overall state average in Texas of $184 per month and the overall national average of $158 per month.

Because Midland isn’t on the coast, it has a much lower risk of hurricanes and other extreme weather events compared to some other cities in Texas. As a result, Midland’s average car insurance rates are more affordable than those of some other Texas cities.

Here’s what you should know about finding cheap car insurance in Midland.

Cheapest car insurance companies in Midland

Texas drivers have dozens of options when it comes to selecting a car insurance company. However, the best auto insurance company for you will depend on your personal budget, driving history, and coverage needs. Comparing quotes from several car insurance companies can help you select the right insurer for you.

Here are some of the top car insurance companies in Midland. The quotes reflect average rates in Texas.

Best insurer for low rates: State Farm

Best insurer for military members: USAA

Best insurer for customizable coverage: Liberty Mutual

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How to get the cheapest car insurance in Midland

Car insurance rates vary for every driver based on unique factors like age, credit score, and vehicle type. However, drivers in Midland can find cheaper car insurance in a number of ways, even without a perfect driving record.

Here are some tips for finding cheap car insurance in Midland:

• Look for discounts. Most car insurance companies offer discounts that can help you get a more affordable premium.

• Pay in full. You can typically save some money on your car insurance premium if you pay the entire amount up front and in full.

• Raise your deductible. Choosing higher deductibles for policies like collision and comprehensive insurance will lower your premium.

• Bundle your policies. Insurance companies usually offer savings for drivers who bundle car insurance with another policy, like home insurance or renters insurance.

Cheapest liability-only car insurance in Midland: State Farm

Vehicle owners in Midland legally need to carry a minimum amount of liability insurance. This policy covers your legal and financial responsibilities when you cause an accident. It compensates the other driver for their medical bills and property damage costs.

The average cost of liability car insurance in Midland is $101 per month. State Farm has the cheapest average quote in the city, at $36 per month.

Below, you can see which car insurance companies have the lowest average rates for liability-only coverage in Midland.

Cheapest full-coverage car insurance in Midland: State Farm

A full-coverage car insurance policy typically includes personal liability insurance, collision insurance, comprehensive insurance, and medical payments coverage. It has more protection than a liability-only policy because it provides physical damage coverage.

Drivers who lease or finance their vehicle may need to buy full-coverage insurance, but otherwise, it’s optional. Even if you own your vehicle outright, having full-coverage insurance is beneficial. It pays to repair or replace your car after a covered loss, which minimum coverage doesn’t.

On average, Midland drivers pay $235 per month for full-coverage insurance. The following insurance companies have the cheapest car insurance in Midland for full-coverage insurance.

Car insurance requirements in Texas

Every state has different car insurance laws. In Texas, vehicle owners must carry a minimum of personal liability insurance. All car insurance policies in Texas also include personal injury protection (PIP) and uninsured/underinsured motorist insurance (UM/UIM), but you can refuse those coverages in writing if you don’t want them.^[1]

Texas is an at-fault state, which means the driver who causes an accident must cover the other driver’s resulting bodily injury and property damage costs.

Here are the minimum car insurance requirements in Texas:

In addition to the required coverages, Texas drivers can benefit from purchasing more policies. Here are some of the most common add-on coverages you can buy:

• 

  Collision coverage

  Following a car accident, collision coverage can pay for vehicle repair or replacement, regardless of fault.

• 

  Comprehensive coverage

  If a non-collision incident damages your vehicle — like severe weather, fire, or theft — comprehensive coverage kicks in to cover some of the costs.

• 

  Rental car reimbursement

  Following damage from a covered event, rental car reimbursement can pay for the cost of a rental car.

• 

  Gap insurance

  Gap insurance applies to drivers who lease or finance their vehicle. It helps pay off your loan if you total your car and you still owe money.

• 

  Accident forgiveness

  If you have accident forgiveness, your insurance company won’t raise your rate after your first at-fault collision.

Texas Automobile Insurance Plan Association

TAIPA

If you can’t find an insurance company to sell you a policy, you can apply for insurance through the Texas Automobile Insurance Plan Association (TAIPA). Drivers are eligible for the TAIPA if two insurance companies have denied them coverage.

The TAIPA only provides basic coverage, including liability insurance, PIP, and UM/UIM coverage. You can’t get collision, comprehensive, or personal liability insurance with limits above the state minimum.

Insurance policies through the TAIPA cost more than insurance rates on the voluntary marketplace, so it’s not a viable alternative if you’re looking for cheap auto insurance. Additionally, drivers pay higher rates if they have any tickets or accidents on their driving record.

Cheapest car insurance for drivers with an incident

Drivers with incidents on their record — such as speeding tickets, at-fault accidents, or other moving violations — typically pay higher insurance rates than people with a clean record. More serious incidents, like DUI convictions, often have the greatest effect on car insurance costs.

The actual rate increase after an incident depends on several factors, like the severity of the violation, your insurance company, and any past violations on your record. Midland drivers with a past incident on their record pay $230 per month for car insurance, on average.

Cheapest car insurance for drivers with a speeding ticket: State Farm

If you receive a speeding ticket, it’s likely that your car insurance premium will go up. Insurance companies often raise rates for drivers with speeding tickets because it indicates unsafe driving. However, the rate increase after a speeding ticket is usually much smaller than the rate increase after an accident or DUI.

The overall average cost of car insurance in Midland for drivers with a speeding ticket is $239 per month.

Below, you can see which Midland car insurance companies have the lowest rates for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you get into an accident, your car insurance premium will probably increase when your policy renews. Your insurance company might assume that you’re more likely to cause another accident after the first collision and raise your rate due to the increased risk you pose.

Midland drivers with a past at-fault accident pay $254 per month for car insurance, on average.

These car insurance companies offer the cheapest rates in Midland for drivers with an at-fault accident on record.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI conviction is one of the most serious traffic violations. As a result, having a past DUI on your record will significantly increase your car insurance premium. In addition to higher car insurance rates, Texas drivers must also maintain SR-22 insurance after a DUI.

The overall average cost of car insurance for Midland drivers with a past DUI is $287 per month.

In the table below, you can see which insurance companies have the lowest rates for drivers in Midland with a DUI conviction.

Cheapest car insurance for seniors: State Farm

Senior drivers often pay higher car insurance rates than middle-aged adults due to aging-related risk factors. Rates usually decrease around age 35 but start increasing again around age 70. Older drivers have an increased risk of car accidents and injury.^[2]

In Midland, senior drivers pay $72 per month for liability coverage and $168 for full-coverage insurance.

See which car insurance companies in Midland offer the cheapest coverage for senior drivers.

Cheapest car insurance for teens: GEICO

In general, teen drivers pay the highest rates for car insurance. Young drivers lack experience on the road and have the highest accident rate out of any other age demographic.^[3] On average, Midland teenagers pay $172 per month for liability coverage and $401 for full-coverage insurance.

Teenagers — and their parents — have a number of ways to lower car insurance premiums. Most insurers offer discounts for students who earn good grades or drivers who insure a vehicle with safety features. Teens can also save money by joining their parents’ insurance policy. A licensed insurance agent can provide more recommendations for getting a lower rate.

Here are the cheapest car insurance companies in Midland for teen drivers.

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Midland car insurance quotes by credit tier

In Texas, car insurance companies can use credit-based insurance scores when determining insurance premiums. Drivers with an excellent credit score usually earn the lowest premiums. If you have a poor credit score, you’ll probably pay a higher rate for insurance coverage.

Below, you can see the average car insurance premium for Midland drivers based on credit tier.

Is car insurance more expensive in Midland?

The average cost of car insurance in Midland is $235 per month for full coverage and $101 per month for liability-only coverage.

Compared to the state averages, Midland drivers pay similar average rates for full coverage but cheaper rates for liability coverage. Texas drivers pay $119 per month for liability coverage and $250 for full-coverage insurance, on average.

Insurance costs vary by city and ZIP code depending on factors like population density, traffic congestion, accident rates, vehicle theft rates, the number of uninsured drivers in the area, and more. Midland has a relatively small population density of around 189 people per square mile.^[4] Fewer people in an area leads to less traffic congestion and chances of accidents.

More cities in Texas

Car insurance rates vary by city and ZIP code. Midland drivers pay lower car insurance rates than residents of some other Texas cities.

Below, you can see how the average car insurance rates in Midland compare to the rates in some other Texas cities.

Midland car insurance FAQs