Midland, TX Car Insurance

The average car insurance policy costs $109 per month in Midland. If you're paying too much, compare rates online today.

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What is the average cost of car insurance in Midland?

 

The average cost of auto insurance in Midland is $1,314 per year. That's cheaper than the average across Texas ($1,415) and less expensive than the national average of $1,548. Our guide to car insurance in Midland — researched and written by one of The Zebra's licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. 

 
CAR INSURANCE: MIDLAND RATES VS. STATE + NATIONAL AVERAGES
Midland Average (yearly)Texas AverageU.S. Average
$1,314$1,415$1,548
 
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Midland auto insurance costs by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, State Farm provides Midland's cheapest rates. Reference below the top options for affordable insurance in Midland. Don't forget to get car insurance quotes based on your unique driving profile.

 
MIDLAND AUTO INSURANCE PREMIUMS BY COMPANY
InsurerAverage Rate (annual)
State Farm$1,140
GEICO$1,165
USAA$1,184
Allstate$2,051
 

Read our guide to finding the best cheap auto insurance.

 

Midland car insurance costs by age

The best age for car insurance rates as a driver in Midland is your 50s: drivers in this age group pay an average of $1,125 per year. Those in their 60s don't pay significantly more ($1,151).

Teenage drivers pay Midland's most expensive insurance rates. When Midland drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Midland is $1,549, the largest such difference between any two age groups.

 
MIDLAND CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teens$3,253
20s$1,703
30s$1,291
40s$1,253
50s$1,125
60s$1,151
70s$1,391
 

Learn more about the impact of age on auto insurance rates.

 

Midland car insurance rates by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Midland pay $99 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Midland, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Midland, the gulf in car insurance costs between genders is $24 per year, with male drivers paying more than female drivers.

 
MIDLAND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,290
Male$1,314
Single$1,215
Married$1,215
Divorced$1,314
Widowed$1,189
 

Read more about the relationships between gender, marital status and insurance rates.

 

Midland car insurance costs by violation history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Midland drivers found guilty of reckless driving face insurance rate increases of $679 per year, compared to the citywide average. A DUI violation may lead to a $697 increase, while a citation for speeding leads to a $115 rate hike.

 
MIDLAND CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DWI/DUI$2,011
Reckless Driving$1,994
At-fault Accident (damages less than $1,000)$1,637
At-fault Accident (damages greater than $2,000)$1,963
Speeding Ticket (16-20 mph over speed limit)$1,429
 

Get more info on how a bad driving history can raise your car insurance costs.

 

Midland car insurance rates by credit score

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Midland drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Midland, improving your credit to "Fair" could help you earn a $1,119 decrease in annual car insurance rates.

 
MIDLAND CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Annual Rate
Very Poor$2,752
Fair$1,633
Good$1,314
Very Good$1,222
Exceptional$1,090

Compare rates from top insurance companies.

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.