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.

Elizabeth Rivelli
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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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • 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 July 11, 2024

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Cheapest recent rates near Midland, Texas

Recent Midland, Texas car insurance prices for Toyota, Nissan, Cadillac , and more.

*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Midland drivers pay $171 per month for auto insurance, which exceeds the overall state average in Texas of $185 per month and the overall national average of $160 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 CompanyIQ 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 CoverageLiability OnlyBest for
State Farm9.3$65$37Low rates
USAA9.4$116$66Military members
Liberty Mutual7.7$278$136Customizable 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

Compare personalized, real-time quotes
User Reviews
3.3
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

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

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for military members: USAA

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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.
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

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

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Best insurer for customizable coverage: Liberty Mutual

Compare personalized, real-time quotes
User Reviews
2.9
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.
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

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

Read more driver reviews of Liberty Mutual
Albert - July 7, 2024
Verified

Better Rates Elsewhere

They failed to follow through on what I was told.

Marvin - July 7, 2024
Verified

Good and Pricey

They are easy to work with and their online platform is user-friendly.

Zeketa - July 6, 2024
Verified

Good Company

They handle claims quickly, provide good customer service, and offer competitive pricing, especially if you bundle.

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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage 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

Recent Midland, Texas car insurance prices for GMC, Cadillac, Chrysler , and more.

*Quotes generated for Insurify users in and around Midland, Texas within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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

illustration card https://a.storyblok.com/f/162273/150x150/97b10cdbc5/states_texas.svg

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 $233 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 $243 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm$77$44
GEICO$86$48
Allstate$110$63
USAA$138$79
Mile Auto$144$70
Clearcover$172$136
Hugo$182$74
Mercury$182$110
Nationwide$200$101
Progressive$207$118
Safeco$211$104
Midvale Home & Auto$222$121
Chubb$240$137
21st Century$282$161
AssuranceAmerica$286$214
Elephant$290$172
National General$309$144
Direct Auto$321$159
Dairyland$326$125
The General$360$168
Liberty Mutual$365$179
Bristol West$370$179
Infinity$391$243
State Auto$436$225
GAINSCO$456$208
Commonwealth Casualty$478$179
Hallmark$554$235
Foremost$604$289
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 $262 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm$83$47
GEICO$92$52
Allstate$118$68
USAA$149$85
Mile Auto$156$76
Hugo$179$73
Mercury$193$116
Clearcover$194$154
Nationwide$214$108
Safeco$216$107
Progressive$224$128
Midvale Home & Auto$242$132
Chubb$254$145
Elephant$278$165
21st Century$300$170
AssuranceAmerica$301$225
National General$334$155
Dairyland$346$133
Direct Auto$350$173
The General$387$181
Liberty Mutual$388$190
Bristol West$394$191
Infinity$396$247
GAINSCO$430$195
Commonwealth Casualty$459$172
State Auto$470$243
Hallmark$572$243
Foremost$641$306
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 $296 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm$102$58
GEICO$113$63
Allstate$145$84
Mile Auto$161$78
USAA$183$104
Hugo$202$82
Mercury$202$122
Clearcover$224$178
Nationwide$261$132
Progressive$272$155
Safeco$273$135
Midvale Home & Auto$282$154
Chubb$311$178
Elephant$348$207
21st Century$360$205
AssuranceAmerica$371$277
National General$408$190
Direct Auto$422$208
Dairyland$427$164
Liberty Mutual$439$215
The General$468$219
Bristol West$490$237
Infinity$494$307
State Auto$529$273
GAINSCO$548$249
Commonwealth Casualty$574$215
Foremost$726$347
Hallmark$729$309
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 $73 per month for liability coverage and $175 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$25$44
GEICO$28$49
Hugo$36$89
Mile Auto$36$74
Allstate$37$64
USAA$46$80
Nationwide$54$107
Mercury$56$93
Progressive$61$106
Safeco$61$123
Midvale Home & Auto$65$118
Chubb$71$125
Dairyland$72$187
Clearcover$79$99
National General$81$175
21st Century$84$147
Direct Auto$89$179
Elephant$90$153
Commonwealth Casualty$94$251
Liberty Mutual$95$195
The General$98$210
Bristol West$105$216
GAINSCO$114$250
AssuranceAmerica$115$154
State Auto$115$223
Infinity$127$204
Hallmark$129$305
Foremost$149$312
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 $175 per month for liability coverage and $423 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$57$101
GEICO$58$103
Allstate$85$148
Hugo$93$229
Mile Auto$98$202
USAA$100$176
Nationwide$131$259
Mercury$142$235
Midvale Home & Auto$154$282
Dairyland$158$412
Progressive$162$284
Safeco$162$328
Chubb$191$334
Elephant$197$333
21st Century$199$350
Clearcover$200$252
The General$204$437
National General$212$457
Commonwealth Casualty$220$587
Direct Auto$220$445
Liberty Mutual$229$467
Bristol West$234$483
GAINSCO$256$563
State Auto$281$545
AssuranceAmerica$298$399
Hallmark$317$748
Infinity$327$524
Foremost$357$747
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 $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.

CityAverage Quote: Liability OnlyAverage 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Texas Department of Insurance. "Auto insurance guide."
  2. Centers for Disease Control and Prevention. "Older Adult Drivers."
  3. Teenagers and Passengers: Get the Facts. "Centers for Disease Control and Prevention."
  4. United States Census Bureau. "QuickFacts Midland County, Texas."
  5. National Centers for Environmental Information. "Storm Events Database."
Elizabeth Rivelli
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

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • 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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