Cheapest Car Insurance Quotes in Midland

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Midland Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 $1006 for a six-month policy, which is $161 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $466, 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.

Avg. Car Insurance in Midland

$1006

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Midland

1st place: Kemper

At $466 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $537 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $615 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, SD is Kemper, offering policies at just $466 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $537.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1336 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.

Cheap Car Insurance Companies in Midland, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$466	$77
Farmers Mutual of Nebraska	$537	$90
Auto-Owners Insurance Co	$615	$102
American Family	$820	$138
State Farm	$997	$168
Allstate	$1159	$195
USAA	$1166	$196
Auto-Owners	$1188	$202
Farmers	$1238	$208
Progressive	$1251	$211
Nationwide	$1301	$219
North Star Mutual	$1336	$227

Key Takeaways

Way's key takeaways about car insurance in Midland

The auto insurance costs in Midland fall around $466 for six months.
The cheapest auto insurance company in Midland is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Midland at $37 per month.

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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.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Midland. Their Average 6 Month Premium is $127. North Star Mutual Insurance is the most expensive at $205 for the same period.

Cheapest Liability Coverage in Midland, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$127	$21
Kemper	$163	$27
USAA	$163	$27
American Family	$170	$29
Auto-Owners	$183	$31
North Star Mutual	$183	$31
Auto-Owners Insurance Co	$190	$32
Progressive	$190	$32
State Farm	$190	$32
Farmers	$318	$54
Nationwide	$389	$65
Allstate	$417	$71
North Star Mutual Insurance	$205	$35

Cheapest Full Coverage Car Insurance in Midland

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 $77 per month and $466 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midland, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$466	$77
Farmers Mutual of Nebraska	$537	$90
Auto-Owners Insurance Co	$615	$102
American Family	$820	$138
State Farm	$997	$168
Allstate	$1159	$195
USAA	$1166	$196
Auto-Owners	$1188	$202
Farmers	$1238	$208
Progressive	$1251	$211
Nationwide	$1301	$219
North Star Mutual	$1336	$227

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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, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Midland, South Dakota, may be increasing due to several external factors. South Dakota 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

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Cheapest Car Insurance Rates for Teen Drivers in Midland,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Midland at $39 per month. At $219 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$233	$39
Auto-Owners Insurance Co	$248	$42
Farmers Mutual of Nebraska	$735	$124
State Farm	$1414	$238
USAA	$1498	$252
American Family	$1930	$325
Farmers	$2128	$358
Progressive	$2219	$374
North Star Mutual	$2827	$481
Auto-Owners	$2948	$491
Nationwide	$3866	$651
Allstate	$6071	$1012
North Star Mutual Insurance	$219	$37

Teen Car Insurance Rates in SD by Age

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $120 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 $3923 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$120	$20
Western National	$212	$36
Iowa Farm Bureau	$283	$48
Kemper	$325	$55
American Family	$1131	$190
Progressive	$1202	$202
USAA	$1796	$299
North Star Mutual	$2212	$376
Farmers	$2219	$370
Nationwide	$2332	$396
State Farm	$3923	$653

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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, SD, 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 Western National and Kemper, offering $226 and $255, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $368.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$226	$38
Kemper	$255	$43
Auto-Owners Insurance Co	$262	$44
Farmers Mutual of Nebraska	$531	$89
State Farm	$544	$92
USAA	$813	$137
Progressive	$856	$144
Auto-Owners	$877	$148
Farmers	$1067	$180
American Family	$1159	$195
Allstate	$1697	$283
Nationwide	$2226	$375
North Star Mutual	$2298	$383
North Star Mutual Insurance	$368	$63

Midland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midland SD. For example, the car insurance in Midland after a DUI increases to $1032 for a six month policy. While the rate increases by $198 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	$1180	$196
One Med/PIP claim	$1180	$201
Not-at-fault accident	$1209	$201
Two Med/PIP claims	$1251	$213
One comp claim	$1258	$209
Failure to show documents	$1301	$221
Two comp claims	$1301	$217
Failure to wear a seat belt	$1336	$227
Child safety restraint	$1357	$226
Driving without lights	$1357	$231
Driving with expired registration	$1364	$227
Wrong way/wrong lane	$1364	$232
Cell phone violation	$1371	$228
Driving too slowly	$1371	$233
Texting while driving	$1371	$228
Failure to stop at a red light	$1378	$234
Failure to yield	$1378	$230
Following too closely	$1378	$234
Illegal turn	$1378	$230
Speeding 6 - 10 MPH over limit	$1378	$234
Improper passing	$1392	$232
Speeding 11 - 15 MPH over limit	$1399	$238
Speeding 16 - 20 MPH over limit	$1407	$234
Operating a vehicle without permission	$1442	$245
At-fault accident - less than $1000	$1457	$243
In 65 MPH zone	$1457	$248
Speeding in school zone	$1464	$244
Speeding 21 - 25 MPH over limit	$1498	$255
Passing school bus	$1562	$261
Open container	$1618	$275
At-fault accident - $1000-$2000	$1640	$274
At-fault accident - greater than $2000	$1640	$278
Driving with a suspended license	$1979	$330
Reckless driving	$2000	$340
Refusal to submit to a chemical test	$2113	$352
Racing	$2184	$371
DUI	$2212	$369
Leaving scene of an accident/hit and run	$2262	$384

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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 Western National at $212 for a six-month policy. However, it can be as expensive as $3838 with companies like North Star Mutual.

Midland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$212	$36
Farmers Mutual of Nebraska	$757	$127
State Farm	$784	$132
Progressive	$806	$136
Farmers	$1166	$196
American Family	$1272	$214
USAA	$1570	$264
Allstate	$1887	$314
Auto-Owners	$1916	$326
Nationwide	$2926	$493
North Star Mutual	$3838	$652

Cheapest car insurance after a speeding ticket

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 Farmers Mutual of Nebraska at $127. However, it can be as expensive as $2092 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Midland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$127	$21
Kemper	$198	$33
Western National	$212	$36
Auto-Owners Insurance Co	$219	$37
State Farm	$368	$62
USAA	$551	$94
Progressive	$608	$102
North Star Mutual	$671	$114
American Family	$777	$131
Nationwide	$1781	$303
Farmers	$2092	$349

Car Insurance Price Trends in Midland, South Dakota

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 remained steady at $196 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Midland remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Midland?

The car insurance in Midland is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Midland?

The cheapest car insurance in Midland is $77 per month for full coverage.

How much is car insurance in Midland for teenagers?

Car insurance for teenagers costs $233 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 $845 for a six-month policy. It will cost around $169 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, SD?

The best car insurance company in Midland SD is Kemper, offering $466 for a six-month policy.