Cheapest Auto Insurance in Midland, Texas (2024)
State Farm has the cheapest liability-only car insurance in Midland, with an average premium of $34 per month.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated October 20, 2024
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Table of contents
Midland drivers pay $171 per month for auto insurance, which exceeds the overall state average in Texas of $182 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.
Quick Facts
On average, Midland drivers pay $100 per month for liability coverage and $241 for full-coverage insurance.
The cheapest insurers in Midland include State Farm, GEICO, and Allstate, but comparing quotes from multiple insurers will help you find the best rate for you.
Because Texas is an at-fault state, the driver responsible for a car accident must cover the other party’s resulting medical bills and vehicle repairs.
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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $37 | Low rates |
| USAA | 9.4 | $119 | $66 | Military members |
| Liberty Mutual | 7.7 | $309 | $167 | Customizable coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.2
Best choiceBased on 8548 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,698)
Karen
October 20, 2024
Verified Review
Not Happy with a 30% Increase Without Apparent Reason
They increase premiums arbitrarily without providing any explanation. I had no accidents or tickets.
Suzanne
October 20, 2024
Verified Review
Just starting
So far, so good!
Sue
October 20, 2024
Verified Review
There must be a less expensive company than State Farm.
Look elsewhere for better prices. Ours increase frequently.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has some of the cheapest average car insurance rates in Midland. In addition, State Farm has excellent car insurance discounts that provide policyholders with additional savings opportunities. The company has excellent third-party ratings, with an above-average rating for customer satisfaction from J.D. Power in the Texas region.
Pros
Cheap rates
AM Best financial strength rating of A++ (Superior)
Cons
Gap insurance not available
Fewer discounts than some competitors
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
4.9
Best choiceBased on 1527 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (869)
Warren
October 20, 2024
Verified Review
Good Company
I haven't had a reason to file a claim, but for routine questions, they were always available and accommodating.
Terry
October 19, 2024
Verified Review
USAA, a Deal for Veterans
The rates are very competitive and the customer service is excellent.
Jennifer
October 19, 2024
Verified Review
Expensive Rates
My only objections are their rates and the difficulty in reaching an agent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively sells auto insurance to active-duty, reserve, and retired service members as well as eligible family members. The company stands out for its affordable premiums and solid ratings for customer satisfaction and financial strength.
USAA also offers a good selection of car insurance discounts, including military-specific savings like discounted coverage for storing a vehicle on a military base.
Pros
Affordable rates
Excellent third-party ratings
Cons
Limited additional coverage options
Only available to military families
Best insurer for customizable coverage: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $126/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $257/mo |
3.7
A solid optionBased on 2586 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,510)
Ruth
October 20, 2024
Verified Review
Too Expensive
Extremely expensive.
Yeris
October 19, 2024
Verified Review
No Help in Personal Assistance
I had a terrible experience. They increased the price and the service was poor.
Silvia
October 19, 2024
Verified Review
Not Satisfied
It has been changing very often to be super expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
If you want to customize your car insurance policy, Liberty Mutual is an excellent insurer to consider. Liberty Mutual offers a wide variety of add-on coverages, including gap insurance, custom parts insurance, lifetime repair guarantee coverage, new-car replacement, teacher’s car insurance, and more.
The company also has ample discounts, with savings for homeowners, good students, military personnel, violation-free drivers, online policy purchases, in-full payments, and more.
Pros
Unique coverage endorsements allow for customization
Many available discounts
Cons
Poor customer satisfaction rating
Poor claims satisfaction rating
Find Cheap Car Insurance in Midland, Texas
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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 $100 per month. State Farm has the cheapest average quote in the city, at $34 per month.
Below, you can see which car insurance companies have the lowest average rates for liability-only coverage in Midland.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $34 |
| GEICO | $37 |
| Allstate | $49 |
| Mile Auto | $51 |
| Hugo | $54 |
| USAA | $61 |
| Nationwide | $77 |
| Mercury | $79 |
| Safeco | $79 |
| Midvale Home & Auto | $90 |
| Progressive | $91 |
| Dairyland | $96 |
| Chubb | $104 |
| Clearcover | $104 |
| National General | $111 |
| 21st Century | $120 |
| Elephant | $121 |
| Direct Auto | $122 |
| Commonwealth Casualty | $126 |
| Liberty Mutual | $126 |
| The General | $128 |
| Bristol West | $139 |
| GAINSCO | $146 |
| State Auto | $160 |
| AssuranceAmerica | $162 |
| Infinity | $180 |
| Hallmark | $181 |
| Foremost | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $241 per month for full-coverage insurance. The following insurance companies have the cheapest car insurance in Midland for full-coverage insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $60 |
| GEICO | $66 |
| Allstate | $85 |
| Mile Auto | $105 |
| USAA | $107 |
| Clearcover | $131 |
| Mercury | $131 |
| Hugo | $133 |
| Nationwide | $153 |
| Progressive | $159 |
| Safeco | $160 |
| Midvale Home & Auto | $165 |
| Chubb | $182 |
| Elephant | $204 |
| 21st Century | $211 |
| AssuranceAmerica | $217 |
| National General | $239 |
| Direct Auto | $247 |
| Dairyland | $250 |
| Liberty Mutual | $257 |
| The General | $274 |
| Bristol West | $287 |
| Infinity | $289 |
| State Auto | $310 |
| GAINSCO | $321 |
| Commonwealth Casualty | $336 |
| Foremost | $425 |
| Hallmark | $427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Midland, Texas
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $57/mo for full coverage in Midland and other Texas cities.
*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. 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 October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
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 $223 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 $235 per month.
Below, you can see which Midland car insurance companies have the lowest rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $76 | $43 |
| GEICO | $84 | $47 |
| Allstate | $109 | $63 |
| USAA | $137 | $78 |
| Mile Auto | $138 | $67 |
| Hugo | $168 | $68 |
| Clearcover | $170 | $135 |
| Mercury | $180 | $108 |
| Nationwide | $197 | $99 |
| Progressive | $203 | $116 |
| Safeco | $207 | $102 |
| Chubb | $236 | $135 |
| 21st Century | $279 | $159 |
| AssuranceAmerica | $281 | $210 |
| Elephant | $282 | $168 |
| National General | $307 | $143 |
| Direct Auto | $315 | $156 |
| Dairyland | $320 | $123 |
| The General | $355 | $166 |
| Liberty Mutual | $356 | $174 |
| Bristol West | $367 | $178 |
| Infinity | $384 | $239 |
| State Auto | $431 | $222 |
| GAINSCO | $444 | $202 |
| Commonwealth Casualty | $465 | $174 |
| Foremost | $588 | $281 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $249 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $81 | $46 |
| GEICO | $90 | $50 |
| Allstate | $115 | $67 |
| USAA | $145 | $83 |
| Mile Auto | $150 | $73 |
| Mercury | $190 | $114 |
| Clearcover | $191 | $152 |
| Hugo | $193 | $78 |
| Nationwide | $210 | $106 |
| Safeco | $212 | $105 |
| Progressive | $218 | $125 |
| Chubb | $249 | $142 |
| Elephant | $271 | $161 |
| AssuranceAmerica | $293 | $218 |
| 21st Century | $294 | $167 |
| National General | $327 | $152 |
| Dairyland | $338 | $130 |
| Direct Auto | $342 | $169 |
| Liberty Mutual | $374 | $183 |
| The General | $378 | $177 |
| Infinity | $386 | $241 |
| Bristol West | $387 | $187 |
| GAINSCO | $418 | $190 |
| Commonwealth Casualty | $447 | $168 |
| State Auto | $461 | $238 |
| Foremost | $618 | $295 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $283 per month.
In the table below, you can see which insurance companies have the lowest rates for drivers in Midland with a DUI conviction.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $99 | $56 |
| GEICO | $109 | $61 |
| Allstate | $141 | $81 |
| Mile Auto | $174 | $84 |
| USAA | $177 | $101 |
| Mercury | $198 | $120 |
| Clearcover | $217 | $172 |
| Hugo | $220 | $89 |
| Nationwide | $253 | $127 |
| Progressive | $263 | $150 |
| Safeco | $265 | $131 |
| Chubb | $301 | $172 |
| Elephant | $337 | $200 |
| 21st Century | $349 | $198 |
| AssuranceAmerica | $359 | $268 |
| National General | $395 | $184 |
| Direct Auto | $408 | $202 |
| Dairyland | $413 | $159 |
| Liberty Mutual | $425 | $208 |
| The General | $453 | $212 |
| Bristol West | $475 | $230 |
| Infinity | $478 | $298 |
| State Auto | $513 | $265 |
| GAINSCO | $531 | $241 |
| Commonwealth Casualty | $556 | $208 |
| Foremost | $703 | $336 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $78 per month for liability coverage and $188 for full-coverage insurance.
See which car insurance companies in Midland offer the cheapest coverage for senior drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $26 | $45 |
| GEICO | $29 | $51 |
| Mile Auto | $37 | $77 |
| Allstate | $38 | $66 |
| Hugo | $42 | $103 |
| USAA | $47 | $83 |
| Nationwide | $56 | $111 |
| Mercury | $59 | $99 |
| Progressive | $63 | $110 |
| Safeco | $65 | $131 |
| Chubb | $74 | $129 |
| Dairyland | $74 | $194 |
| National General | $83 | $178 |
| Clearcover | $84 | $106 |
| 21st Century | $87 | $153 |
| Direct Auto | $93 | $187 |
| Elephant | $96 | $161 |
| Commonwealth Casualty | $98 | $261 |
| The General | $101 | $217 |
| Liberty Mutual | $102 | $209 |
| Bristol West | $108 | $223 |
| State Auto | $118 | $229 |
| AssuranceAmerica | $119 | $159 |
| GAINSCO | $119 | $262 |
| Infinity | $133 | $213 |
| Foremost | $157 | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
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 $181 per month for liability coverage and $435 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $59 | $104 |
| GEICO | $60 | $107 |
| Allstate | $88 | $153 |
| Hugo | $90 | $222 |
| Mile Auto | $100 | $207 |
| USAA | $104 | $182 |
| Nationwide | $135 | $269 |
| Mercury | $144 | $239 |
| Dairyland | $160 | $418 |
| Safeco | $160 | $325 |
| Progressive | $165 | $288 |
| Chubb | $199 | $348 |
| Elephant | $201 | $340 |
| Clearcover | $203 | $255 |
| 21st Century | $206 | $362 |
| The General | $208 | $445 |
| National General | $222 | $478 |
| Commonwealth Casualty | $224 | $598 |
| Direct Auto | $226 | $457 |
| Liberty Mutual | $227 | $463 |
| Bristol West | $239 | $494 |
| GAINSCO | $259 | $570 |
| State Auto | $289 | $561 |
| AssuranceAmerica | $304 | $407 |
| Infinity | $333 | $534 |
| Foremost | $367 | $769 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Midland?
The average cost of car insurance in Midland is $241 per month for full coverage and $100 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 $245 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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Abilene | $92 | $212 |
| Amarillo | $106 | $249 |
| Arlington | $127 | $255 |
| Austin | $129 | $243 |
| Beaumont | $140 | $273 |
| Brownsville | $111 | $226 |
| Corpus Christi | $124 | $228 |
| Dallas | $135 | $284 |
| Denton | $115 | $256 |
| El Paso | $93 | $215 |
| Fort Worth | $121 | $245 |
| Galveston | $126 | $243 |
| Garland | $134 | $261 |
| Grand Prairie | $132 | $280 |
| Houston | $170 | $324 |
| Huntsville | $107 | $244 |
| Irving | $132 | $270 |
| Killeen | $106 | $211 |
| Laredo | $103 | $225 |
| Lubbock | $106 | $234 |
| McAllen | $118 | $241 |
| Mesquite | $130 | $280 |
| Odessa | $106 | $267 |
| Plano | $125 | $244 |
| San Antonio | $123 | $245 |
| San Marcos | $114 | $246 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Midland car insurance FAQs
Before you start shopping around for car insurance, you should decide how much coverage you need. The following information can help you navigate the process of finding cheap car insurance in Midland.
How much is car insurance in Midland, Texas?
The overall average cost of car insurance in Midland is $171 per month. Midland drivers pay an average of $100 per month for liability coverage and $241 for full coverage.
Which company has the cheapest car insurance in Midland?
State Farm has the cheapest car insurance in Midland, with rates starting at $34 per month for liability coverage. GEICO and Allstate also offer cheap average rates for liability coverage, starting at $37 and $49 per month, respectively. The best way to find affordable coverage is to compare quotes from multiple insurers.
What are the best car insurance companies in Midland?
The best car insurance company in Midland is State Farm, which has an Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and cheap average rates. Other top insurers include USAA and Liberty Mutual.
Why are insurance rates in Texas so high?
Texas drivers face high car insurance rates at least partially due to an increasing amount of auto claims related to climate events. The state has a history of storms that cause lots of property damage. The National Centers for Environmental Information recorded more than 500 tornado, hail, and wind events in Texas between January and July 2023.[5]
What’s the minimum car insurance in Texas?
Texas drivers need to carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Texas Department of Insurance. "Auto insurance guide."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Teenagers and Passengers: Get the Facts. "Centers for Disease Control and Prevention."
- United States Census Bureau. "QuickFacts Midland County, Texas."
- National Centers for Environmental Information. "Storm Events Database."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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