Compare Midland, TX Car Insurance Rates (2021)

The cheapest Midland, TX car insurance is offered by State Farm, although rates vary by driver. Car insurance in Midland must meet the Texas state requirements of 30/60/25 in liability coverage, but drivers are encouraged to raise those limits and add coverage. Compare online Midland, TX car insurance rates to find the best deal for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: May 2, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance rates to all drivers in Midland, TX
  • Midland has below average car insurance rates
  • Low traffic volume and theft rates help keep rates down

Midland, TX car insurance is cheaper than the state and national averages. This isn’t surprising since Texas car insurance, in general, is cheaper than the national average.

Still, shop around before you buy Midland, TX car insurance to find the cheapest rates out there. Every company will offer different rates so comparison shopping is a must.

Enter your ZIP code now to compare Midland, TX car insurance rates from multiple companies near you.

What is the cheapest car insurance company in Midland, TX?

Although USAA offers the cheapest car insurance in Midland, it only provides coverage to members of the military, veterans, and their families. The company that offers the cheapest rates to all Midland drivers is State Farm.

The top Midland, TX car insurance companies listed from least to most expensive are:

  • USAA – $2,305.04
  • State Farm – $2,690.13
  • GEICO – $3,053.03
  • Nationwide – $3,097.13
  • Progressive – $3,946.31
  • American Family – $4,683.23
  • Allstate – $4,887.79

Many factors affect car insurance rates. Your age, gender, driving record, and credit history can all play a part in how much you pay.

Where you live can also affect your rates. Drivers in larger cities with more traffic and crime will pay higher rates. For example, Dallas car insurance rates are higher than rates in Midland.

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What car insurance coverage is required in Midland, TX?

Most states require at least a minimum amount of car insurance coverage. Drivers in Midland, TX must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. Adding these coverages to your car insurance policy will ensure you are covered for damages.

What affects car insurance rates in Midland, TX?

Traffic can play a part in determining your car insurance rates. More cars on the road equal a higher chance of being in an accident.

Although INRIX doesn’t have data for Midland, it does list Abilene, TX as the 203rd most congested city in the U.S.

City-Data shows that most Midland drivers commute around 15-20 minutes. Most drivers commute alone and very few have a commute over an hour.

Theft can also affect your insurance rates. Companies will charge higher rates if they have to offset theft claims. According to the FBI, there were 220 motor vehicle thefts in one year in Midland, TX.

Midland, TX Car Insurance: The Bottom Line

Since rates are below average, it’s not hard to find affordable Midland, TX car insurance. However, you still want to shop around to see if State Farm has the best rates for you, not just the lowest rates in Midland.

Enter your ZIP code to compare Midland, TX car insurance quotes from multiple companies for free.

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