The best car insurance in Midland, TX

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Kacie Goff

Kacie Goff

Insurance Writer

Kacie Goff is an insurance writer for Policygenius. Over the last five years, she’s covered both personal and commercial coverage, with specializations in auto, home, renters, and life insurance. She runs her full-service content agency, Jot Content, from Ventura, CA.

Published November 3, 2021

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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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To ensure you find the most cost-effective car insurance, you can use our car insurance calculator. Just enter your ZIP code and Policygenius will help you compare quotes from the top insurance companies.

Key Takeaways

  • 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

Cheapest car insurance companies in Midland, TX

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. 

Company

Average cost

JD Power Rating

Texas Farm Bureau

$947

--

State Farm

$1,059

881

Germania Insurance

$1,196

--

GEICO

$1,332

871

Nationwide

$1,408

876

Cheapest car insurance rates by ZIP code in Midland, TX

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. 

ZIP code

Average cost

79701

$1,696

79703

$1,667

79705

$1,665

79706

$1,682

79707

$1,672

79712

$1,676

Choosing the right car insurance company in Midland, TX

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. 

Car insurance rates for drivers with driving violations in Midland, TX

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. 

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Nationwide

At-fault Accident

$1,604

$1,278

$1,595

$2,073

$2,362

DUI

$3,763

$1,733

$2,586

$2,257

$2,984

Driving with a suspended license

$1,630

$1,506

$2,090

$2,257

$1,868

Driving with an open container

$3,763

$1,643

$1,277

$2,257

$1,868

Driving with expired registration

$1,026

$1,075

$1,277

$1,605

$1,868

Driving without Lights

$1,026

$1,075

$1,277

$1,605

$1,868

Failure to show documents

$1,026

$1,075

$1,277

$1,605

$1,868

Failure to stop at a red light

$1,026

$1,075

$1,277

$1,605

$1,868

Cheapest car insurance for drivers with bad credit in Midland, TX

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. 

Company

Rates for drivers with bad credit

State Farm

$2,207

Nationwide

$2,214

Germania Insurance

$2,350

Texas Farm Bureau

$2,365

Redpoint County Mutual

$2,377

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Buying car insurance in Midland, TX

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.

How to get cheap car insurance in Midland, TX

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. 

Frequently asked questions

Who has the cheapest car insurance in Midland, TX?

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.

Does car insurance get more expensive after an accident in Midland?

That depends. If you cause the accident, yes. But if you weren’t at fault, your premiums shouldn’t skyrocket after a crash.

Is auto insurance expensive in Midland?

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.

Do I really need car insurance in Texas?

Yes. State law requires you to have auto insurance that pays for damages and injuries you cause while you’re behind the wheel.

Methodology

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.