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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 $1012 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, 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 $444 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Capital Insurance Group
Capital Insurance Group offers auto
insurance rates at $704 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American Family
American Family offers auto insurance
rates at $779
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, OR is Kemper, offering policies at just $444 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $704.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1926 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 $444 for six
months.
The cheapest auto insurance company in Midland is Kemper.
Teen drivers pay the highest rate in Midland at $1162 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.
Kemper provides
the cheapest minimum car insurance
coverage in Midland. Their Average 6 Month Premium is $274.
Allstate is the most
expensive at $1018 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 Kemper
at $76 per month and $444
for six months.
Cheapest Full Coverage Car Insurance Quotes in Midland,
OR
Get Your Car Insurance Quote in Midland
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, OR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Midland, Oregon, may be increasing due to several external factors.
Oregon 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
USAA
$660
30s
USAA
$538
40s
USAA
$499
50s
USAA
$480
60s
USAA
$499
70s
USAA
$607
Cheapest Car Insurance Rates for Teen Drivers in
Midland,OR
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Midland at $43
per
month. At $6899 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Midland.
As young drivers face the highest rates in Midland, USAA
offers the cheapest auto insurance rates at $660 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,
Kemper is
the cheapest car insurance provider. At $458 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 $4659 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, OR,
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 Kemper
and Capital Insurance Group, offering $362
and $430,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3046.
Here is a list of driving violations that can increase your car
insurance rates in Midland OR. For example, the car
insurance in Midland
after a DUI increases to $716 for a six
month policy. While the rate increases by $258 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
$964
$161
One Med/PIP claim
$964
$163
Not-at-fault accident
$997
$167
One comp claim
$1018
$173
Two Med/PIP claims
$1032
$171
Failure to wear a seat belt
$1099
$187
Two comp claims
$1127
$187
Child safety restraint
$1141
$194
Failure to show documents
$1141
$190
Driving without lights
$1148
$195
Driving with expired registration
$1175
$195
Speeding 11 - 15 MPH over limit
$1222
$208
Speeding 16 - 20 MPH over limit
$1222
$204
Speeding 6 - 10 MPH over limit
$1222
$208
Cell phone violation
$1229
$205
Driving too slowly
$1229
$209
Failure to yield
$1229
$205
Following too closely
$1229
$209
Illegal turn
$1229
$205
Texting while driving
$1229
$209
Wrong way/wrong lane
$1229
$205
Failure to stop at a red light
$1236
$210
Improper passing
$1236
$206
Passing school bus
$1285
$218
Speeding in school zone
$1285
$214
In 65 MPH zone
$1305
$222
Speeding 21 - 25 MPH over limit
$1311
$218
Open container
$1352
$230
At-fault accident - less than $1000
$1387
$231
Operating a vehicle without permission
$1394
$237
At-fault accident - $1000-$2000
$1475
$246
At-fault accident - greater than $2000
$1475
$251
Refusal to submit to a chemical test
$1653
$276
Racing
$1659
$282
DUI
$1680
$281
Reckless driving
$1687
$286
Driving with a suspended license
$1701
$284
Leaving scene of an accident/hit and run
$1756
$299
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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 Capital Insurance Group at $499 for a six-month policy.
However, it can be as
expensive as $2684 with companies
like Nationwide.
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 Kemper
at $335. However,
it can be as expensive as $3135
with companies like Farmers 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
$229 in January
compared to $221 of December. In other words, there has been an increase by $8 when you
compare January and December.
The average cost of liability insurance in the Midland remained steady at $82 in both January and December, indicating no change over the two month period.
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 $2023 for a
six-month policy, insuring
your car at 97634 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 $46 per month, which is lower than the national average.
What is the cheapest car insurance in Midland?
The cheapest car insurance in Midland
is $76 per month
for full coverage.
How much is car insurance in Midland for teenagers?
Car insurance for teenagers costs $253 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 $880 for a six-month
policy. It will cost around $170 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,
OR?
The best car insurance company in Midland
OR is
Kemper, offering $444 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Midland, OR
Car Insurance Rates by State in the USA (2025 Update)
Midland Car Insurance
