Cheapest Car Insurance In Midland, TX 2025
State Farm has the most affordable minimum coverage car insurance in Midland, with an average cost of just $40 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance rates in Midland, TX, aren’t the same everywhere, so shopping around is key to finding the best price.
State Farm is the most affordable option for liability-only insurance, while State Farm also provides the best rates for full coverage. Young drivers, on the other hand, will find the lowest prices with Direct Auto.
Cheapest Car Insurance Companies In Midland, TX
Cheapest Liability-only Car Insurance In Midland: State Farm
Midland drivers can get the cheapest minimum coverage car insurance from State Farm, which costs approximately $40 per month.
Use the table below to see which insurance company offers the best rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Allstate | $54 | $648 |
| Nationwide | $86 | $1,032 |
| USAA | $68 | $816 |
| Progressive | $97 | $1,164 |
Cheapest Auto Insurance For Young Adults in Midland: Direct Auto
If you’re a young adult in Midland looking for cheap car insurance, Direct Auto offers the lowest rates at $87 per month.
Use the table below to find and compare the most affordable car insurance rates for young adults in Midland.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $87 | $1,044 |
| Texas Farm Bureau | $121 | $1,452 |
| Loya Insurance | $90 | $1,080 |
| Unitrin | $143 | $1,716 |
| Kemper | $128 | $1,536 |
Cheapest Full Coverage Insurance Rates In Midland: State Farm
At approximately $72 per month, State Farm offers the most affordable full coverage car insurance in Midland.
Use the table below to compare average auto insurance prices from Midland cheapest insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $72 | $864 |
| Allstate | $104 | $1,248 |
| Mercury | $159 | $1,908 |
| Nationwide | $160 | $1,920 |
| Progressive | $170 | $2,040 |
Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau
Seniors looking for affordable car insurance in Midland will find Texas Farm Bureau to be the best choice, with an $70 monthly average.
Use the table below to compare average auto insurance prices from the most affordable companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $70 | $840 |
| Republic Indemnity | $106 | $1,272 |
| Dairyland | $83 | $996 |
| Mercury | $109 | $1,308 |
| USAA | $108 | $1,296 |
Cheapest Rates In Midland For Teenagers: Texas Farm Bureau
With average monthly premiums of $120, Texas Farm Bureau offers the lowest car insurance rates for teens in Midland.
Use the table below to compare the most affordable insurance rates for young drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $120 | $1,440 |
| USAA | $181 | $2,172 |
| Direct Auto | $175 | $2,100 |
| Safe Auto | $232 | $2,784 |
| State Farm | $214 | $2,568 |
Cheapest Car Insurance In Midland For Good Drivers: State Farm
If you’re a good driver in Midland, State Farm has the lowest car insurance rates, averaging $40 monthly.
Use the table below to find and compare affordable insurance quotes if you’re a responsible driver.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Allstate | $54 | $648 |
| Nationwide | $86 | $1,032 |
| USAA | $68 | $816 |
| Progressive | $97 | $1,164 |
Find affordable Midland rates
Cheapest For Drivers With After At-Fault Accident: GEICO
If you’re at fault in an accident, GEICO provides the lowest insurance quotes, averaging $104 per month.
Below, you’ll find a list of car insurance companies with the lowest premiums for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $104 | $1,248 |
| USAA | $170 | $2,040 |
| Allstate | $135 | $1,620 |
| Nationwide | $214 | $2,568 |
| Mercury | $230 | $2,760 |
Cheapest Car Insurance In Midland After A Speeding Ticket: State Farm
State Farm stands out as a cost-effective choice in Midland, with an average monthly premium of $90 for drivers who have received a speeding ticket.
You can refer to the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $90 | $1,080 |
| Allstate | $130 | $1,560 |
| Nationwide | $207 | $2,484 |
| Mercury | $219 | $2,628 |
| Clearcover | $268 | $3,216 |
Cheapest Rates In Midland For Drivers After A DUI: State Farm
State Farm stands out as the cheapest insurer for drivers with a DUI in Midland, with average monthly costs of $115.
The table provides a breakdown of the lowest insurance quotes available for drivers in Midland after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $115 | $1,380 |
| Allstate | $163 | $1,956 |
| Mercury | $245 | $2,940 |
| Progressive | $271 | $3,252 |
| Clearcover | $335 | $4,020 |
Best Car Insurance Companies In Midland
In Midland, the most affordable car insurance is from State Farm at $40 per month, but drivers should also consider Allstate at $54 and GEICO at $43.
The following list highlights the 10 most competitive car insurance companies in Midland, TX, based on average monthly prices.
| Company | Monthly Premium |
| State Farm | $40 |
| Allstate | $54 |
| Nationwide | $86 |
| USAA | $68 |
| Progressive | $97 |
| GEICO | $43 |
| Dairyland | $109 |
| Mercury | $89 |
| Direct Auto | $126 |
| National general | $125 |
Average Auto Insurance Rates In Midland – By Age
Insurance companies calculate rates based on several factors, with age being one of the most important. Because younger drivers are more accident-prone, they pay higher premiums—teenagers, on average, spend $2,775 a year on car insurance.
Car insurance rates typically drop once a driver reaches 25, provided they have maintained a good driving history.
The most cost-effective insurance premiums go to drivers in their 50s and early 60s, as insurers rely on age to assess experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $2,775 |
| 20s | $2,893 |
| 30s | $1,494 |
| 40s | $1,681 |
| 50s | $1,564 |
| 60s | $1,244 |
| 70s | $1,441 |
Average Rates In Midland – By Vehicle
Car insurance costs are influenced by your vehicle’s specifications, including its make, model, and year. High-end cars with expensive features usually come with steeper insurance prices.
The table below lists the average insurance prices for different types of vehicles in Midland.
| Vehicle | Average Monthly Rate |
| Nissan Versa | $320 |
| Hyundai Elantra | $691 |
| Ford Fusion | $108 |
| Dodge Journey | $181 |
| Ford ranger | $211 |
Average Cost Of Auto Insurance In Midland – By Zip Code
Your zip code affects your car insurance cost because insurers use it to evaluate crime risks.
The table below lists the typical insurance rates for various zip codes in Midland.
| City | Average Monthly Rate |
| 79703 | $162 |
| 79701 | $151 |
| 79712 | $116 |
| 79705 | $158 |
| 79706 | $176 |
How Much Is Car Insurance For Other Cities In Texas?
Insurance companies determine rates based on your location, factoring in accident risks, vehicle theft, and vandalism, which tend to be higher in urban settings, leading to costlier premiums.
Residents of Houston pay around $193 per month for car insurance, while those in Waco enjoy lower rates at $124 per month.
| City | Average Monthly Rate |
| Arlington | $170 |
| Waco | $124 |
| Beaumont | $169 |
| Corpus Christi | $165 |
| Austin | $157 |
| El Paso | $160 |
| Fort Worth | $166 |
| Houston | $193 |
| Irving | $174 |
| Lubbock | $158 |
Find affordable Midland rates
Our Methodology
My analysis of car insurance providers in Midland, TX includes key aspects like pricing, customer satisfaction, policy features, and insights from online review platforms.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Midland?
In Midland, drivers can get the cheapest state-minimum coverage from State Farm, while State Farm has the most affordable full coverage plan, including comprehensive and collision.
What is the average cost of car insurance in Midland?
Expect to pay around $160 per month for car insurance in Midland, though rates fluctuate depending on your zip code, vehicle, and driving record.
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