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How much is car insurance in Midland?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Midland typically costs about $9 a month less than it does in the rest of Texas.
Compared to the rest of the country, auto insurance in Midland is more affordable. Auto insurance coverage in Midland is about $24 cheaper than it is for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Midland drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Midland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Midland Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may creep back up a bit in Midland.
Midland Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Midland is around $4 a month. As illustrated in the table above, female drivers in the area pay about $54 on average, while male drivers pay around $58 each month.
Midland Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Midland, a driving record with a single accident will usually get you a rate around $77 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Midland Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$53|
As you can see in the first table above, the cheapest vehicles to insure in Midland are by and large SUVs, which run about $50 per month.
Truck and van drivers will see rates of about $60, while the rates for SUV owners average out to about $50 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Midland, the most expensive vehicles to insure are vehicles four-to-five years old.
Midland Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
On average, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Midland follows that pattern, with the difference totaling to around $12 a month.
Midland Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $12 a month more than drivers who own property in Midland. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Midland, TX
Recent trends in car insurance for Midland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance coverage in Midland had been increasing from 2017-2019, when they reached a low of $48. This shifted in 2020, when car insurance rates began to increase. They hit a high of $67 in 2021, and finished down in 2022, at $51 a month.
How does Midland compare to neighboring areas?
Why are car insurance rates in Midland different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community regulations
- Off-street parking accessibility
- Road Safety (frequency of car accidents)
- Total number of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Midland?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Midland.
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Midland Auto Insurance FAQs
What factors affect car insurance quotes in Midland?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Midland different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Midland?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Midland?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Midland or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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