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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Situated in the Permian Basin, Midland is a thriving Texas city with a rich history and plenty of Western charm.[1] Midland residents pay an average monthly rate of $156 for auto policies, according to Compare.com data. That’s about in line with the average across Texas, but it’s a bit more than what the average American pays for car insurance.
Fortunately, many insurance companies in Midland offer premiums well below the city’s average, including State Farm, Mile Auto, and Allstate.
Let’s dive deeper into the cheapest car insurance companies for different types of drivers, how to choose the right insurer, and tips on how to save money on your auto policy.
State Farm offers the cheapest car insurance coverage in Midland, with rates starting at $54 per month.
Midland drivers pay a monthly average of $111 for liability insurance and $202 for full coverage.
Texas law requires drivers to meet liability limits of 30/60/25.[2]
Regardless of the city’s average car insurance costs, you can still find ways to save on your policy as a Midland driver. Several insurance companies offer rates below the citywide average.
This table highlights the insurers with the cheapest car insurance policies in Midland, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $54 |
| Mile Auto | $67 |
| Allstate | $77 |
| GEICO | $95 |
| USAA | $97 |
| Progressive | $100 |
| Mercury | $101 |
| Dairyland | $112 |
| Root | $112 |
| The General | $113 |
| Bristol West | $116 |
| AssuranceAmerica | $122 |
| Commonwealth Casualty | $122 |
| Nationwide | $122 |
| Clearcover | $126 |
| Safeco | $128 |
| GAINSCO | $129 |
| Direct Auto | $139 |
| National General | $142 |
| Elephant | $149 |
| Chubb | $165 |
| 21st Century | $191 |
| Liberty Mutual | $241 |
State Farm has the lowest average premiums in Midland, at $54 per month. But Mile Auto and Allstate also have pretty competitive average rates.
Let’s take a closer look at the most affordable auto insurance companies for different driver and coverage types.
The insurance companies above are a good starting point, but factors like your age, ZIP code, vehicle type, and driving record will help determine your exact rate.
Here’s an overview of the cheapest car insurance companies for a variety of backgrounds and coverages in Midland, according to our data.
Driver or Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $54 |
| Full coverage | State Farm | $90 |
| Teens | State Farm | $108 |
| Seniors | State Farm | $42 |
| Drivers with a speeding ticket | State Farm | $67 |
| Drivers with an at-fault accident | State Farm | $70 |
| Drivers with a DUI | State Farm | $75 |
| Drivers with excellent credit | State Farm | $45 |
| Drivers with poor credit | State Farm | $77 |
Comparing quotes can save you up to $867.†
Texas requires drivers to purchase a minimum amount of liability insurance, which helps pay for injuries and property damage if you cause an accident. Our data shows that Midland residents pay an average monthly premium of $111 for liability-only insurance.
Although minimum coverage is more affordable, you might want to invest in additional car insurance for added protection and peace of mind. After all, liability policies only cover damages you cause to others, not your own vehicle.
But if you determine that liability insurance is enough for your situation, consider one of the insurers in the chart below.
Full-coverage auto insurance usually includes comprehensive and collision coverages in addition to basic liability. These often come in handy after your vehicle sustains damage from a natural disaster, theft, vandalism, or an at-fault accident. Plus, if you finance or lease your car, your lender will require you to have full coverage.
Drivers in Midland pay an average of $202 per month for full-coverage car insurance. Fortunately, multiple insurers offer full-coverage policies for close to the average price of liability insurance in the city.
Here are five of the cheapest companies in Midland for full-coverage auto insurance, according to Compare.com data.
Compared to drivers in other age groups, teenagers aged 16 to 19 are at a higher risk of being involved in fatal accidents.[3] For this reason, they typically pay more for car insurance than any other age group.
Our data shows that Midland teens pay a monthly average of $308 for auto insurance.
But don’t worry, as you can still land a great deal if you’re a younger driver. The companies in the chart below are a good starting point.
Seniors often have some of the most affordable car insurance policies of any age group. This is due to their years of experience and commitment to safe driving. Older adults in Midland pay an average of $132 per month for coverage, according to our research.
But even with these low average rates, savvy seniors in Midland can likely find cheaper plans from several insurers, including the ones highlighted below.
When it’s time to renew your car insurance coverage, a recent ticket will likely raise your rates. In fact, our research found that even a single ticket can increase your premiums by around 30%.
Midland drivers with a ticket pay an average of $189 per month for an auto policy. But several insurance companies offer cheaper car insurance costs, allowing you to limit the financial damage a recent ticket might cause.
Here are five of the most affordable insurance companies in Midland for drivers with a recent ticket, according to Compare.com data.
An at-fault accident can cause your car insurance costs to go up even more than a speeding ticket. Our research reveals that one at-fault accident raises rates by an average of nearly 35% nationwide.
Midland residents with a recent accident on their driving records pay an average monthly premium of $201, according to Compare.com data. But you can often find more affordable coverage with one of the five car insurance companies in the chart below.
A driving while intoxicated (DWI) or driving under the influence (DUI) conviction leads to one of the largest jumps in car insurance costs. In fact, we found that the average premium for people with a DUI or DWI conviction increases by almost 50%.
Midland drivers with a DUI pay an average of $201 per month for an auto policy, according to our data. But some car insurance companies specialize in covering high-risk drivers, including people with drunk driving convictions.
This chart highlights the five cheapest car insurance companies for Midland residents with a DUI or DWI, according to Compare.com data.
Texas allows insurance companies to use credit-based insurance scores to help calculate premiums. Research has shown that drivers with poor credit file claims more frequently than people with good or excellent credit. Insurers typically charge them higher premiums to offset that perceived risk.
We found that Texas drivers with poor credit pay almost 45% more than people with excellent credit. In Midland, specifically, drivers with poor credit pay an average of $195 per month for auto coverage.
The good news is that not all insurance companies consider credit, and some offer cheap rates regardless of your credit history.
Check out the table below to see five of the cheapest companies for drivers with less-than-perfect credit in Midland, Texas, according to our research.
No single car insurance company is best for every Midland driver. Several factors play a role in your exact rate, such as your age, location, gender, and driving history.
That’s why we did the research to find a few car insurance companies that are great fits for some of the city’s most common driver profiles. We chose the following insurers based on their average premiums, customer reviews, coverage levels, discounts, and more.
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $132/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $224/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide serves Midland drivers with a variety of coverage options, including 24/7 roadside assistance, rental car coverage, classic car insurance, and gap insurance. Plus, you can choose from two telematics programs. SmartRide can earn you discounts for safe driving, and SmartMiles is pay-per-mile car insurance for Midland residents who don’t drive much.
Nationwide’s vanishing deductible can save you up to $500 if you need to file a claim. But the company advertises fewer discounts than other insurance companies. It also scores below average for customer satisfaction, according to J.D. Power.
Many local agents
Vanishing deductible available
Offers classic car insurance
Fewer discounts than some other insurers
Below-average customer satisfaction ratings
Poor Better Business Bureau (BBB) reviews
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $141/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is a solid choice for a variety of Midland residents. The insurance company offers a variety of specialized car insurance policies, including classic car insurance, rideshare insurance, car insurance for Mexico travel, and Milewise, a pay-per-mile program designed for occasional drivers. You can also save money on your coverage with DriveWise, the company’s highly rated telematics program, plus a long list of discounts.
The downsides include below-average ratings in J.D. Power’s customer satisfaction survey and the lack of gap insurance, which may be a deal-breaker if you finance or lease your vehicle.
Great telematics program
Several local agents
Offers car insurance for Mexico travel
Below-average customer satisfaction rating
Poor reviews on Trustpilot
Gap insurance not available
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $210/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers agents throughout Midland can help you find the ideal car insurance coverage. Also, if you download the Signal app and let the insurer monitor your habits on the road, you may land a discount for being a responsible driver. You can also save up to 10% or more for bundling your auto policy with another type of insurance, like home or renters.
But Farmers can be more expensive for Midland residents with a less-than-perfect driving record. And its pay-per-mile program, FairMile, is only available to commercial customers.
Agents in Midland
Telematics offers rewards for safe driving
Bundling discount available
Higher rates for recent infractions
Poor BBB customer ratings
Pay-per-mile insurance exclusively for commercial policies
Local rates start as low as $54 per month.
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Texas, like most states, requires car insurance to drive legally. You’ll need a policy with at least the following coverages and limits:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $25,000 per accident
Texas law also requires you to show proof of insurance after an accident, when law enforcement stops you, and during vehicle inspections.
Most experts recommend buying coverage that exceeds the minimum limits. Plus, the Texas Department of Insurance states that minimum coverage might not be enough if you’re at fault for an accident with multiple vehicles or if the other driver’s car gets totaled.
Plus, if you have a loan or lease on your vehicle, your lender will require you to get additional car insurance, like collision and comprehensive coverage.
Here are answers to several common questions about car insurance policies in Midland, Texas.
Mildand drivers pay an average of $156 per month for auto insurance, according to Compare.com data. Liability insurance costs an average of $111 per month, and full coverage averages $202.
State Farm offers the most affordable policies in Midland, with average rates starting at $54 per month, according to Compare.com data.
It depends. A number of factors — such as your age, address, driving record, and credit — will play a role in your exact car insurance rates in Midland. But Midland residents pay an average of $156 per month for an auto policy. That’s compared to the U.S. national average of $137 per month.
State Farm offers the most affordable auto insurance in Texas, with average rates of $59 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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