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Finding the cheapest car insurance quotes in Midland shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Midland
The car insurance rate in Midland is $1067 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Midland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $389 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $513 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farm Bureau
Farm Bureau offers auto insurance
rates at $685
for six months, making it
the third cheapest auto insurance company in Midland.
Midland Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Midland, GA is Country Financial, offering policies at just $389 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $513.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1494 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midland drivers find the best deals.
Way's key takeaways about car insurance in Midland
The auto insurance costs in Midland fall around $389 for six
months.
The cheapest auto insurance company in Midland is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Midland at $1279 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Midland
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Midland are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Midland. Their Average 6 Month Premium is $229.
Allstate is the most
expensive at $784 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Midland is Country Financial
at $67 per month and $389
for six months.
Cheapest Full Coverage Car Insurance Quotes in Midland,
GA
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Instantly!
Average Car Insurance in Midland by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Midland, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Midland, Georgia, may be increasing due to several external factors.
Georgia has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Midland's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Midland
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Georgia Farm Bureau
$738
30s
Georgia Farm Bureau
$591
40s
Georgia Farm Bureau
$567
50s
Georgia Farm Bureau
$543
60s
Georgia Farm Bureau
$539
70s
Georgia Farm Bureau
$652
Cheapest Car Insurance Rates for Teen Drivers in
Midland,GA
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners Insurance Co provides the cheapest car
insurance in the Midland at $54
per
month. At $7598 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties Georgia Farm Bureau is
the best choice for car
insurance in Midland.
As young drivers face the highest rates in Midland, Georgia Farm Bureau
offers the cheapest auto insurance rates at $738 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Midland,
Country Financial is
the cheapest car insurance provider. At $321 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Midland is State Farm, offering
rates of around $4664 for six
months.
Save up to $971/yr on car insurance rates in Midland.
Car Insurance Rates with An Accident in Midland
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Midland, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Midland
The cheapest car insurance companies after an at-fault accident in
Midland include AutoOwners Insurance Co
and Country Financial, offering $340
and $525,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2236.
Here is a list of driving violations that can increase your car
insurance rates in Midland GA. For example, the car
insurance in Midland
after a DUI increases to $1124 for a six
month policy. While the rate increases by $352 for a six-month policy in the case of
a speeding ticket.
Midland auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1322
$220
One Med/PIP claim
$1322
$225
One comp claim
$1328
$222
Two Med/PIP claims
$1328
$226
Not-at-fault accident
$1334
$223
Two comp claims
$1353
$230
Driving without lights
$1594
$265
Failure to wear a seat belt
$1594
$271
Child safety restraint
$1612
$268
Failure to show documents
$1612
$275
Cell phone violation
$1649
$275
Texting while driving
$1649
$281
Driving too slowly
$1674
$279
Speeding 6 - 10 MPH over limit
$1674
$285
Speeding in school zone
$1674
$279
Speeding 11 - 15 MPH over limit
$1681
$286
Driving with expired registration
$1687
$281
Failure to yield
$1687
$287
Following too closely
$1687
$281
Illegal turn
$1687
$287
Failure to stop at a red light
$1693
$282
Improper passing
$1693
$288
Speeding 16 - 20 MPH over limit
$1693
$282
Wrong way/wrong lane
$1693
$288
Speeding 21 - 25 MPH over limit
$1711
$285
Passing school bus
$1742
$296
In 65 MPH zone
$1748
$291
Open container
$1773
$302
At-fault accident - less than $1000
$1779
$296
Operating a vehicle without permission
$1803
$307
At-fault accident - $1000-$2000
$1940
$323
At-fault accident - greater than $2000
$1952
$332
Refusal to submit to a chemical test
$2286
$381
Reckless driving
$2354
$400
Racing
$2410
$401
Driving with a suspended license
$2416
$411
DUI
$2446
$408
Leaving scene of an accident/hit and run
$2508
$426
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Midland after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Midland.
The cheapest car insurance premiums in
Midland are
offered by Mercury at $395 for a six-month policy.
However, it can be as
expensive as $1779 with companies
like Progressive.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Midland are offered by AutoOwners Insurance Co
at $265. However,
it can be as expensive as $2020
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Midland after Speeding ticket
Car insurance rates in Midland have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Midland rose by
$234 in December
compared to $230 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Midland rose to $75 in December,
compared to $71 in November.
This represents an increase of $4
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Midland. At $2134 for a
six-month policy, insuring
your car at 31820 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Midland?
The car insurance in Midland is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Midland?
The cheapest car insurance in Midland
is $67 per month
for full coverage.
How much is car insurance in Midland for teenagers?
Car insurance for teenagers costs $328 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Midland?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $179 per month to insure your
car in Midland.
Is car insurance expensive in Midland?
Car insurance can be expensive in Midland if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Midland can be
affordable.
What is the best car insurance in Midland,
GA?
The best car insurance company in Midland
GA is
Country Financial, offering $389 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Midland, GA
Car Insurance Rates by State in the USA (2025 Update)
Midland Car Insurance
