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 The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
CAR INSURANCE: MIDLAND RATES VS. STATE + NATIONAL AVERAGES
|Midland Average (yearly)||Texas Average||U.S. Average|
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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
|Insurer||Average Rate (annual)|
Midland car insurance costs by age
The best age for car insurance rates as a driver in Midland is your age_50s: drivers in this age group pay an average of $1,125per year. Those in their age_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 bracket||Average Yearly Rate|
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 Status||Average Yearly Rate|
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
|Citation||Average Yearly Rate|
|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|
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 Level||Average Annual Rate|