Cheapest Car Insurance Quotes in Midland

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Midland Car Insurance

^$ 48

/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 $1215 for a six-month policy, which is $64 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $751, 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

$1215

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Midland

1st place: Mercury

At $751 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $779 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $785 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, TX is Mercury, offering policies at just $751 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $779.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2330 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, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$751	$125
Texas Farm Bureau	$779	$132
AAA Texas	$785	$131
State Farm	$812	$137
USAA	$886	$149
Redpoint Insurance	$925	$158
AAA	$1140	$190
Progressive	$1185	$200
Southern County Mutual	$1225	$204
Allstate	$2551	$429
Farmers	$2330	$396

Key Takeaways

Way's key takeaways about car insurance in Midland

The auto insurance costs in Midland fall around $751 for six months.
The cheapest auto insurance company in Midland is USAA.
Teen drivers pay the highest rate in Midland at $1293 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in Midland. Their Average 6 Month Premium is $282. Farmers is the most expensive at $920 for the same period.

Cheapest Liability Coverage in Midland, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$282	$48
Texas Farm Bureau	$294	$50
State Farm	$305	$51
Redpoint Insurance	$316	$54
Mercury	$367	$62
AAA	$407	$69
AAA Texas	$407	$67
Progressive	$418	$70
Allstate	$881	$148
Farmers	$920	$153

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 Mercury at $125 per month and $751 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midland, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$751	$125
Texas Farm Bureau	$779	$132
AAA Texas	$785	$131
State Farm	$812	$137
USAA	$886	$149
Redpoint Insurance	$925	$158
AAA	$1140	$190
Progressive	$1185	$200
Southern County Mutual	$1225	$204
Allstate	$2551	$429
Farmers	$2330	$396

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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, TX increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Midland at $55 per month. At $7607 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$322	$55
Southern County Mutual	$418	$69
Mercury	$451	$77
AAA Texas	$514	$86
USAA	$1292	$218
State Farm	$1377	$232
Texas Farm Bureau	$1445	$246
AAA	$2370	$395
Allstate	$4340	$731
Progressive	$6050	$1018
Farmers	$7607	$1293

Teen Car Insurance Rates in TX 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, Mercury is the cheapest car insurance provider. At $491 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 Farmers, offering rates of around $3860 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$491	$82
Foremost	$587	$100
AAA Texas	$626	$105
Dairyland	$728	$124
USAA	$1094	$182
Progressive	$1568	$264
AAA	$1902	$317
Allstate	$4475	$761
State Farm	$5841	$974
Texas Farm Bureau	$1100	$187
Farmers	$3860	$656

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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, TX, 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 Redpoint Insurance and Southern County Mutual, offering $322 and $390, respectively. Farmers is an expensive provider with an average six-month premium of $6405.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$322	$53
Southern County Mutual	$390	$67
AAA Texas	$604	$101
State Farm	$649	$109
Mercury	$733	$123
USAA	$937	$158
Texas Farm Bureau	$1219	$203
AAA	$1935	$329
Progressive	$2071	$349
Allstate	$4035	$679
Farmers	$6405	$1089

Midland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midland TX. For example, the car insurance in Midland after a DUI increases to $745 for a six month policy. While the rate increases by $175 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	$1219	$203
One Med/PIP claim	$1230	$209
One comp claim	$1292	$216
Not-at-fault accident	$1303	$221
Two Med/PIP claims	$1309	$219
Failure to show documents	$1355	$230
Driving with expired registration	$1365	$228
Two comp claims	$1377	$234
Cell phone violation	$1388	$232
Driving without lights	$1388	$236
Texting while driving	$1388	$232
Driving too slowly	$1394	$237
Speeding 11 - 15 MPH over limit	$1394	$233
Speeding 16 - 20 MPH over limit	$1394	$237
Speeding 6 - 10 MPH over limit	$1394	$233
Speeding in school zone	$1394	$237
Child safety restraint	$1399	$234
Failure to wear a seat belt	$1399	$238
In 65 MPH zone	$1405	$235
Failure to stop at a red light	$1411	$240
Failure to yield	$1411	$236
Following too closely	$1411	$240
Illegal turn	$1411	$236
Improper passing	$1411	$240
Speeding 21 - 25 MPH over limit	$1411	$236
Passing school bus	$1416	$241
Wrong way/wrong lane	$1416	$236
Operating a vehicle without permission	$1422	$242
At-fault accident - less than $1000	$1478	$246
Open container	$1664	$283
Driving with a suspended license	$1727	$288
Racing	$1829	$311
Reckless driving	$1829	$305
Leaving scene of an accident/hit and run	$1873	$318
At-fault accident - $1000-$2000	$1879	$314
Refusal to submit to a chemical test	$1935	$329
DUI	$1964	$328
At-fault accident - greater than $2000	$2043	$348

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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 $485 for a six-month policy. However, it can be as expensive as $2940 with companies like Farmers.

Midland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$485	$81
Foremost	$547	$93
Dairyland	$599	$100
AAA Texas	$632	$107
State Farm	$829	$140
USAA	$1292	$218
Progressive	$1321	$222
Nationwide	$1597	$272
AAA	$2929	$488
Allstate	$3335	$561
Texas Farm Bureau	$937	$160
Farmers	$2940	$490

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 Mercury at $503. However, it can be as expensive as $3200 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
Mercury	$503	$84
State Farm	$519	$87
AAA Texas	$536	$89
USAA	$796	$135
AAA	$1935	$323
Progressive	$2065	$352
Allstate	$3138	$523
Texas Farm Bureau	$485	$83
Farmers	$3200	$544

Car Insurance Price Trends in Midland, Texas

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 $205 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Midland remained steady at $67 in both February and January, indicating no change over the two month period.

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Average Car Insurance Cost in Midland by ZIP Code

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 $1445 for a six-month policy, insuring your car at 79701 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
79701	$1445	$243
79703	$1385	$232
79706	$1397	$234
79705	$1518	$255
79707	$1506	$253

Frequently Asked Questions

How much is car insurance in Midland?

The car insurance in Midland is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Midland?

The cheapest car insurance in Midland is $125 per month for full coverage.

How much is car insurance in Midland for teenagers?

Car insurance for teenagers costs $322 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 $1279 for a six-month policy. It will cost around $204 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.

Cheapest Car Insurance Quotes in Midland

Why you can trust Way?

How Much Is Car Insurance in Midland

Avg. Car Insurance in Midland

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Midland

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Midland Car Insurance Rates by Company

Cheap Car Insurance Companies in Midland, TX

Way's key takeaways about car insurance in Midland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Midland

Cheapest Liability Coverage in Midland, TX

Cheapest Full Coverage Car Insurance in Midland

Cheapest Full Coverage Car Insurance Quotes in Midland, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Midland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Midland, TX increasing?

Car Insurance Premiums by Age in Midland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Midland,TX

If you are in your twenties N/A is the best choice for car insurance in Midland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Midland

Cheapest Car Insurance Companies after an At-Fault Accident in Midland

Midland Car Insurance Rates by Violation

Midland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Midland after a DUI

Midland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Midland after Speeding ticket

Car Insurance Price Trends in Midland, Texas

Average Car Insurance Cost in Midland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Midland, TX

Car Insurance Rates by State in the USA (2025 Update)

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