Cheapest Car Insurance Quotes in Midway South

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Midway South Car Insurance

^$ 57

/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 Midway South

The car insurance rate in Midway South is $1471 for a six-month policy, which is $192 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $908, making it a popular choice for budget-conscious drivers. Rates in Midway South 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 Midway South

$1471

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Midway South

1st place: Mercury

At $908 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 $943 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 $950 for six months, making it the third cheapest auto insurance company in Midway South.

Midway South Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Midway South, TX is Mercury, offering policies at just $908 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $943.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2821 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midway South drivers find the best deals.

Cheap Car Insurance Companies in Midway South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$908	$152
Texas Farm Bureau	$943	$160
AAA Texas	$950	$159
State Farm	$983	$166
USAA	$1073	$181
Redpoint Insurance	$1120	$191
AAA	$1380	$230
Progressive	$1434	$241
Southern County Mutual	$1482	$247
Allstate	$3088	$520
Farmers	$2821	$480

Key Takeaways

Way's key takeaways about car insurance in Midway South

The auto insurance costs in Midway South fall around $908 for six months.
The cheapest auto insurance company in Midway South is USAA.
Teen drivers pay the highest rate in Midway South at $1565 per month.

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Cheapest Minimum Liability Car Insurance in Midway South

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 Midway South are given below.

USAA provides the cheapest minimum car insurance coverage in Midway South. Their Average 6 Month Premium is $342. Farmers is the most expensive at $1113 for the same period.

Cheapest Liability Coverage in Midway South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$342	$57
Texas Farm Bureau	$355	$61
State Farm	$369	$62
Redpoint Insurance	$383	$66
Mercury	$444	$75
AAA	$492	$84
AAA Texas	$492	$82
Progressive	$506	$85
Allstate	$1066	$179
Farmers	$1113	$185

Cheapest Full Coverage Car Insurance in Midway South

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 Midway South is Mercury at $152 per month and $908 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midway South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$908	$152
Texas Farm Bureau	$943	$160
AAA Texas	$950	$159
State Farm	$983	$166
USAA	$1073	$181
Redpoint Insurance	$1120	$191
AAA	$1380	$230
Progressive	$1434	$241
Southern County Mutual	$1482	$247
Allstate	$3088	$520
Farmers	$2821	$480

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Average Car Insurance in Midway South 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 Midway South, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Midway South, 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, Midway South's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Midway South

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 Midway South,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Midway South at $67 per month. At $9208 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$390	$67
Southern County Mutual	$506	$84
Mercury	$546	$93
AAA Texas	$622	$103
USAA	$1564	$263
State Farm	$1666	$281
Texas Farm Bureau	$1749	$298
AAA	$2869	$478
Allstate	$5253	$884
Progressive	$7323	$1233
Farmers	$9208	$1565

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 Midway South, Mercury is the cheapest car insurance provider. At $595 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 Midway South is Farmers, offering rates of around $4672 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$595	$99
Foremost	$711	$121
AAA Texas	$758	$126
Dairyland	$881	$150
USAA	$1325	$221
Progressive	$1899	$320
AAA	$2302	$384
Allstate	$5417	$921
State Farm	$7070	$1179
Texas Farm Bureau	$1332	$227
Farmers	$4672	$795

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Car Insurance Rates with An Accident in Midway South

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 Midway South, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Midway South

The cheapest car insurance companies after an at-fault accident in Midway South include Redpoint Insurance and Southern County Mutual, offering $390 and $471, respectively. Farmers is an expensive provider with an average six-month premium of $7753.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$390	$64
Southern County Mutual	$471	$81
AAA Texas	$731	$122
State Farm	$785	$132
Mercury	$888	$148
USAA	$1134	$191
Texas Farm Bureau	$1475	$246
AAA	$2343	$398
Progressive	$2507	$422
Allstate	$4884	$822
Farmers	$7753	$1318

Midway South Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midway South TX. For example, the car insurance in Midway South after a DUI increases to $902 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Midway South auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1475	$246
One Med/PIP claim	$1489	$253
One comp claim	$1564	$261
Not-at-fault accident	$1578	$268
Two Med/PIP claims	$1585	$265
Failure to show documents	$1640	$278
Driving with expired registration	$1653	$276
Two comp claims	$1666	$283
Cell phone violation	$1680	$281
Driving without lights	$1680	$285
Texting while driving	$1680	$281
Driving too slowly	$1687	$286
Speeding 11 - 15 MPH over limit	$1687	$282
Speeding 16 - 20 MPH over limit	$1687	$286
Speeding 6 - 10 MPH over limit	$1687	$282
Speeding in school zone	$1687	$286
Child safety restraint	$1694	$283
Failure to wear a seat belt	$1694	$288
In 65 MPH zone	$1701	$284
Failure to stop at a red light	$1708	$291
Failure to yield	$1708	$285
Following too closely	$1708	$291
Illegal turn	$1708	$285
Improper passing	$1708	$291
Speeding 21 - 25 MPH over limit	$1708	$285
Passing school bus	$1715	$292
Wrong way/wrong lane	$1715	$285
Operating a vehicle without permission	$1722	$293
At-fault accident - less than $1000	$1789	$298
Open container	$2015	$343
Driving with a suspended license	$2091	$348
Racing	$2214	$376
Reckless driving	$2214	$369
Leaving scene of an accident/hit and run	$2268	$385
At-fault accident - $1000-$2000	$2275	$379
Refusal to submit to a chemical test	$2343	$398
DUI	$2377	$397
At-fault accident - greater than $2000	$2473	$421

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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 Midway South 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 Midway South.

The cheapest car insurance premiums in Midway South are offered by Mercury at $588 for a six-month policy. However, it can be as expensive as $3559 with companies like Farmers.

Midway South car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$588	$98
Foremost	$662	$113
Dairyland	$725	$121
AAA Texas	$765	$130
State Farm	$1004	$169
USAA	$1564	$263
Progressive	$1598	$269
Nationwide	$1933	$329
AAA	$3545	$591
Allstate	$4038	$680
Texas Farm Bureau	$1134	$193
Farmers	$3559	$593

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 Midway South are offered by Mercury at $608. However, it can be as expensive as $3873 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Midway South after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$608	$101
State Farm	$628	$106
AAA Texas	$649	$108
USAA	$964	$163
AAA	$2343	$391
Progressive	$2500	$425
Allstate	$3798	$633
Texas Farm Bureau	$588	$100
Farmers	$3873	$659

Car Insurance Price Trends in Midway South, Texas

Car insurance rates in Midway South have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Midway South remained steady at $248 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Midway South remained steady at $81 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Midway South?

The car insurance in Midway South is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Midway South?

The cheapest car insurance in Midway South is $152 per month for full coverage.

How much is car insurance in Midway South for teenagers?

Car insurance for teenagers costs $390 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 Midway South?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $247 per month to insure your car in Midway South.

Is car insurance expensive in Midway South?

Car insurance can be expensive in Midway South if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Midway South can be affordable.

Cheapest Car Insurance Quotes in Midway South

Why you can trust Way?

How Much Is Car Insurance in Midway South

Avg. Car Insurance in Midway South

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Midway South

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Midway South Car Insurance Rates by Company

Cheap Car Insurance Companies in Midway South, TX

Way's key takeaways about car insurance in Midway South

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Midway South

Cheapest Liability Coverage in Midway South, TX

Cheapest Full Coverage Car Insurance in Midway South

Cheapest Full Coverage Car Insurance Quotes in Midway South, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Midway South by Rating Factor

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

Car Insurance Premiums by Age in Midway South

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Midway South,TX

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

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 Midway South

Cheapest Car Insurance Companies after an At-Fault Accident in Midway South

Midway South Car Insurance Rates by Violation

Midway South auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Midway South after a DUI

Midway South car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Midway South after Speeding ticket

Car Insurance Price Trends in Midway South, Texas

Average Car Insurance Cost in Midway South by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Midway South, TX

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

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