Best Cheap Auto Insurance in Midland, TX (2021)

The average Midland, TX auto insurance rates are $294 per month. The minimum auto insurance in Midland is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Midland, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Midland, Texas is 30/60/25
  • Average auto insurance rates in Midland, TX for senior drivers are $2,135 per year
  • The most expensive auto insurance company in Midland for teen drivers is Progressive

Midland, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Midland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Midland, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Midland to other Texas cities, including Austin auto insurance rates, Corpus Christi auto insurance rates, and Houston auto insurance rates to see how Midland, Texas auto insurance rates stack up.

Before you buy Midland, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Midland, Texas auto insurance quotes.

Minimum Auto Insurance in Midland, Texas

Midland, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Midland, Texas.

Minimum Required Auto Insurance Coverage in Midland, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Midland, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Midland, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Midland, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,163 $3,201 $3,122 $3,122 $8,339 $10,105 $3,932 $4,118
American Family $2,748 $3,057 $2,595 $2,968 $7,528 $9,992 $3,988 $4,589
GEICO $2,298 $2,452 $2,158 $2,401 $4,936 $5,165 $2,492 $2,523
Nationwide $1,958 $1,990 $1,734 $1,835 $5,472 $7,018 $2,292 $2,478
Progressive $2,110 $2,018 $1,882 $1,916 $8,777 $9,796 $2,509 $2,562
State Farm $1,867 $1,867 $1,666 $1,666 $4,534 $5,790 $2,034 $2,096
USAA $1,485 $1,499 $1,412 $1,408 $4,074 $4,455 $1,976 $2,131

Cheap Midland, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Midland, Texas is a challenge. Take a look at the annual teen auto insurance rates in Midland, Texas.

Annual Auto Insurance Rates for Teen Drivers in Midland, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,339 $10,105
American Family $7,528 $9,992
GEICO $4,936 $5,165
Nationwide $5,472 $7,018
Progressive $8,777 $9,796
State Farm $4,534 $5,790
USAA $4,074 $4,455

Cheap Midland, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Midland, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Midland, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,122 $3,122
American Family $2,595 $2,968
GEICO $2,158 $2,401
Nationwide $1,734 $1,835
Progressive $1,882 $1,916
State Farm $1,666 $1,666
USAA $1,412 $1,408

Cheap Midland, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Midland, Texas compared to the annual auto insurance rates with a clean record in Midland, Texas.

Annual Midland, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,819 $5,821 $6,092 $3,819
American Family $4,258 $5,451 $4,765 $4,258
GEICO $2,593 $3,390 $2,886 $3,343
Nationwide $2,691 $2,691 $3,971 $3,035
Progressive $3,448 $4,440 $4,018 $3,879
State Farm $2,384 $2,743 $3,250 $2,384
USAA $1,726 $2,529 $2,985 $1,980

Cheap Midland, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Midland, Texas is not easy. Compare the annual rates for DUI auto insurance in Midland, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Midland, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,092
American Family $4,765
GEICO $2,886
Nationwide $3,971
Progressive $4,018
State Farm $3,250
USAA $2,985

Cheap Midland, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Midland, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Midland, Texas

Insurance Company Poor Fair Good
Allstate $6,203 $4,559 $3,902
American Family $6,468 $4,031 $3,551
GEICO $4,704 $2,670 $1,785
Nationwide $3,704 $2,985 $2,602
Progressive $4,439 $3,840 $3,561
State Farm $3,807 $2,372 $1,891
USAA $3,406 $1,948 $1,561

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Cheap Midland, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Midland, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Midland, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Midland, Texas

ZIP Code Average Annual Rates
79701 $5,306
79703 $5,136
79705 $5,075
79706 $5,222
79707 $5,145

Cheap Midland, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Midland, Texas auto insurance. Find the cheapest annual Midland, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Midland, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,775 $5,000
American Family $4,683 $4,683
GEICO $2,993 $3,113
Nationwide $3,097 $3,097
Progressive $3,946 $3,946
State Farm $2,690 $2,690
USAA $2,276 $2,334

Cheap Midland, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Midland, Texas? Check out the comparison of annual Midland, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Midland, Texas

Insurance Company Low Medium High
Allstate $4,806 $4,857 $5,000
American Family $4,414 $4,550 $5,086
GEICO $2,931 $3,029 $3,199
Nationwide $3,340 $2,968 $2,983
Progressive $3,794 $3,932 $4,113
State Farm $2,552 $2,686 $2,832
USAA $2,238 $2,298 $2,379

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Best By Category: Cheapest Auto Insurance in Midland, Texas

Compare the cheapest auto insurance companies in Midland, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Midland, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Midland, Texas Auto Insurance Companies

What auto insurance companies in Midland, Texas are the cheapest? Compare the top Midland, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Midland, Texas

Insurance Company Average Annual Rates
Allstate $4,888
American Family $4,683
GEICO $3,053
Nationwide $3,097
Progressive $3,946
State Farm $2,690
USAA $2,305

What affects auto insurance rates in Midland, Texas?

There are a lot of reasons why auto insurance rates in Midland, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Midland, Texas. Many local factors may affect your Midland auto insurance rates.

Midland Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Midland, Texas auto theft statistics, there have been 278 auto thefts in the city.

Midland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Midland, Texas commute length is 19.1 minutes according to City-Data.

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Compare Midland, Texas Auto Insurance Quotes

Before you buy Midland, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Midland, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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