While the average Texas driver pays $1,840 annually for their car insurance coverage, Midland residents pay $164 less, coming in with an average of $1,676. It's still important to shop around, though, because your exact rates will vary from company to company based on many factors, like your gender, age, ZIP code, and driving history.
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In Midland, the Texas Farm Bureau offers the cheapest car insurance policies, on average
On average, the least expensive policies for drivers with bad credit come from State Farm and Nationwide
Texas state law stipulates that all Texas drivers need bodily injury liability coverage in the amount of $30,000 per person and $60,000 per accident, plus $25,000 of property damage liability coverage
Based on the legally required amount of coverage, we pulled policy quotes from a variety of leading car insurance providers in Midland. While these will give you a ballpark range of what you can expect to pay, the quotes you get will be specific to you. Insurance providers adjust the price of policies based on the risk factors applicable to the driver, from their car to the miles they drive each year.
On the subject of factors that car insurance providers weigh when pricing coverage, let’s talk location. If you live in a ZIP code that the insurer will deem particularly risky — like one with a high crime rate or lots of serious storms — you’ll pay more for your car insurance. Fortunately, across Midland, premiums hold relatively steady. In fact, moving from one ZIP code to another should land you with a rate increase of no more than $20-ish.
Ultimately, picking the right coverage usually comes down to choosing a policy with the protection you need and the best price tag. Different insurance providers use different algorithms to quote policies, so the rate you get with one company might not be the same with another. To make sure you’re landing the most affordable coverage possible, use our Policygenius calculator.
While some car insurance price factors — like Midland ZIP codes — don’t make a huge difference in the amount you’ll pay for coverage, there’s one surefire way to wind up paying more: add a driving violation to your motor vehicle record (MVR). Minor offenses like driving without lights probably won’t cost you a ton, but more serious violations like a DUI can mean premiums that cost roughly twice as much. Take a look at what different violations will cost you here.
Texas is one of several states that allow insurance companies to use your credit score to price your auto insurance policy. But they also specify that you can ask for an exception after certain credit dips, like ones that come after losing a job or getting a divorce. If you’re stuck with more than temporarily bad credit, though, you’re best off choosing one of the companies below.
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In Texas, you need two types of liability coverage: bodily injury and property damage. The former pays for medical expenses if you hurt someone behind the wheel, while the latter pays for repairs or replacements if you damage someone’s property. That means property damage liability coverage can step in if you back over your neighbor’s mailbox or rear-end someone on the road.
Because both of those coverages are required by state law, auto insurance companies should include both in any policy they quote for you. Read the fine print, though, because that quote will also include personal injury protection (PIP) coverage, which pays for your and your passengers’ medical expenses after an accident, plus things like lost wages. If you don’t want PIP coverage, you need to specifically request a policy without it.
Beyond liability and PIP coverage, you might want to put some other coverages in place. Most drivers want to add optional collision and comprehensive coverage, for example. Collision pays for repairs to your car after an accident you cause and comprehensive pays for things like theft and damage from falling tree limbs.
Long story short, before you lock in a car insurance policy, you probably want to review the various types of coverage to make sure any quotes you get include what you want.
While Midland policies are generally pretty affordable, you can take some extra steps to get your coverage for the lowest possible price:
Drop PIP coverage. If you’re confident your health insurance could cover your injuries after an accident, you might not need this protection.
Ask about discounts. Different insurance companies offer specific discounts, from good driver discounts to savings when you bundle your car insurance with your home or renters insurance. Ask specifically if there are any discounts that can help you save.
Set up autopay. Some insurers offer a discount if you set up an automatic transfer from your bank account or credit card each time your premium is due.
The Texas Farm Bureau offers the lowest premiums, on average. But if you want a JD Power-rated company, you can turn to State Farm.
That depends. If you cause the accident, yes. But if you weren’t at fault, your premiums shouldn’t skyrocket after a crash.
Not compared to the rest of the state. In fact, drivers in Midland pay about $144 to $175 less, on average, than other Texas drivers. Midland car insurance costs ring in right around the nationwide average.
Yes. State law requires you to have auto insurance that pays for damages and injuries you cause while you’re behind the wheel.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.