Best Midland, Texas Auto Insurance in 2024
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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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that protects vehicle owners against financial losses in case of accidents, theft, or other damage to their vehicles. It provides financial assistance for repairs or replacement of vehicles, medical expenses, and liability coverage for injuries or property damage caused by the insured vehicle.
Is auto insurance mandatory in Midland, TX?
Yes, auto insurance is mandatory in Midland, TX, as it is in the rest of Texas. The state requires all drivers to carry a minimum amount of liability insurance coverage to legally operate a motor vehicle.
What is the minimum auto insurance coverage required in Midland, TX?
In Midland, TX, drivers must have at least the following minimum liability insurance coverage:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Are there additional recommended coverages beyond the minimum requirements?
While the minimum coverage is required by law, it is often advisable to consider additional coverages to provide better protection. Some common additional coverages include collision coverage (for vehicle damage in accidents), comprehensive coverage (for non-collision-related damages), uninsured/underinsured motorist coverage (protects against drivers with insufficient or no insurance), and medical payments coverage (covers medical expenses for the insured driver and passengers).
How are auto insurance premiums determined in Midland, TX?
Several factors affect auto insurance premiums in Midland, TX, including the driver’s age, gender, driving history, type of vehicle, coverage limits, deductible amounts, and the area where the vehicle is primarily used or stored. Insurance companies also consider local factors such as crime rates, accident statistics, and weather patterns.
Can my auto insurance policy be customized to my specific needs?
Yes, auto insurance policies can be customized to fit your specific needs. Insurance providers offer various optional coverages, deductible options, and limits to tailor the policy to your requirements. You can work with an insurance agent or use online tools to select the coverage options that best suit your needs and budget.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.