Midland, TX Car Insurance

On average, Midland drivers pay around $54 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How does Midland stack up to the rest of the area, or even Texas as a whole? What rates should residents of Midland expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Midland?

Area Average Monthly Car Insurance Premium
Midland$54
TX$64
United States$80

Based on the chart above, you can see that coverage in Midland typically costs about $10 a month less than it does in the rest of Texas.

When stacked up against the national average, the average monthly policy payment for Midland is more affordable. The average monthly payment for the U.S. as a whole is about $26 more expensive than in Midland.

While these are the average car insurance rates for Midland, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've broken down the average rates for Midland to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$89
25-34$50
35-44$49
45-54$42
55-64$42
65+$40

The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may climb back up a bit in Midland.

Average Car Insurance Rates by Gender

Gender Average
Male$56
Female$53

In general, women pay slightly less for car insurance than men. The price for auto insurance in Midland, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$90
1 Ticket$83
Multiple Tickets$148

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Midland, having a single accident on your record will usually get you rates around $78 a month. In addition, drivers with a single ticket on their record can expect to pay around $83 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$65
4-5 Years$51
6-7 Years$47
8-10 Years$54
11-14 Years$56
15 Years or Older$55

According to the first table above, the cheapest vehicles to insure in Midland are usually SUVs, at $51 per month.

Car owners will see rates of about $54, while truck and van owners typically pay around $60 a month.

The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Midland, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$48
Divorced$48
Widowed$42

Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Midland, with married couples paying about $10 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$58
Live with parents$116

Your living accommodations is another factor that affects your monthly rate. Homeowners in Midland 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 lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Midland, TX

Recent trends in car insurance for Midland drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Midland, auto insurance rates went up from 2016-2017, when they reached a high of $57. This shifted in 2018, when policy premiums began to decrease. They hit a low of $48 in 2019, and finished at $53 in 2021.

How does Midland compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Off-street parking availability
  • Total number of drivers in the community
  • Crime levels
  • Rate of car accidents
  • Area laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Midland?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Midland.

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Midland 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 you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. 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?

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