Midland, TX Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Midland.
What is the average cost of car insurance in Midland?
The average cost of auto insurance in Midland is $657 per six months. That's cheaper than the average across Texas ($707) and less expensive than the national average of $880. Our guide to car insurance in Midland — researched and written by one of The Zebra's licensed insurance experts — includes average premiums based on age, credit score, and other factors in Midland. Read on to learn more!
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| Car insurance in Midland vs. Texas | Average 6 Mo. Premium |
|---|---|
| Midland average | $657 |
| Texas average | $707 |
The Zebra's key takeaways about car insurance in Midland:
- The average cost of a car insurance policy in Midland is $657 per six-month policy — $109 per month.
- The cheapest company in Midland is State Farm ($570).
- 42% of Zebra customers in Midland stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Midland car insurance rates by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, State Farm provides Midland's cheapest rates. Reference below the top options for affordable insurance in Midland. Don't forget to compare auto insurance based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $570 |
| GEICO | $582 |
| USAA | $592 |
| Allstate | $1,025 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Midland.
Midland car insurance rates by age
Our data shows that drivers between the ages of 30-39 make up 32% of Midland drivers. The best age for car insurance rates as a driver in Midland is your 50s: drivers in this age group pay an average of $562 for six months. Those in their 60s don't pay significantly more ($575).
Teenage drivers pay Midland's most expensive insurance rates. When Midland drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Midland is $1,549, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teens | $1,626 |
| 20s | $851 |
| 30s | $645 |
| 40s | $626 |
| 50s | $562 |
| 60s | $575 |
| 70s | $695 |
Midland car insurance rates by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Midland drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Midland, improving your credit to "Fair" could help you earn a $559 decrease in annual car insurance rates. Our data tells us 37% of drivers in Midland have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,376 |
| Fair | $816 |
| Good | $657 |
| Very Good | $611 |
| Exceptional | $545 |
Midland car insurance costs by violationÂ
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most costly citations to receive are DUI and reckless driving. Midland drivers found guilty of reckless driving face insurance rate increases of $679 per year, compared to the citywide average. A DUI violation may lead to a $697 increase, while a citation for speeding leads to a $115 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,005 |
| Reckless Driving | $997 |
| At-fault Accident (damages less than $1,000) | $818 |
| At-fault Accident (damages greater than $2,000) | $981 |
| Speeding Ticket (16-20 mph over speed limit) | $714 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.