Midland, TX Car Insurance

Drivers in Midland pay around $56 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What can Midland residents expect to pay for their car insurance? Are rates in Midland higher or lower than those in neighboring areas? How do they compare to the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Midland?

Area Average Monthly Car Insurance Premium
Midland$56
TX$65
United States$81

Based on the chart above, you can see that it's about $9 a month cheaper to insure your vehicle in Midland than it is in the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Midland. You can expect to pay about $25 less for your policy in Midland than in the rest of U.S.

Keep in mind that these are the average auto insurance rates for Midland, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Midland and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$53
35-44$50
45-54$43
55-64$41
65+$40

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $51 more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Midland.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$54

Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Midland, where women pay around $4 less per month than men. Based on the chart above, you can see that male drivers pay $58 on average, while female drivers typically pay $54 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$90
1 Ticket$71
Multiple Tickets$108

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Midland with one accident will pay around $79 a month. Similarly, drivers with one ticket will typically pay around $71 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$70
4-5 Years$64
6-7 Years$48
8-10 Years$56
11-14 Years$56
15 Years or Older$53

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Midland, with drivers paying around $52 per month for insurance coverage.

Truck and van drivers will see rates of about $59, while the rates for car owners average out to about $56 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Midland, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$60
Married$48
Divorced$48
Widowed$42

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Midland can be as much as $12 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$60
Live with parents$109

Another factor taken into consideration is your housing situation. In Midland, homeowners can expect to pay around $12 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, 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.

Auto insurance rates in Midland dropped from 2017-2019, but shifted in 2020. They had been increasing until 2021, when they reached a high of $67, and finished down in 2022, at $42 per month.

How does Midland compare to neighboring areas?

Why are car insurance rates in Midland different from other areas?

Car insurance companies look at several factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Local laws
  • Road Safety (frequency of car accidents)
  • Off-street parking accessibility
  • Total number of drivers in the region
  • Rate of crime

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Midland?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Midland.

Compare the cheapest quotes from dozens of insurance companies

Midland Insurance FAQs

What factors affect car insurance quotes in Midland?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Midland different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Midland?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Midland?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Midland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes