Skip to main content

Cheap Car Insurance in Midland, TX

Illustration of van driving by Freeway Insurance headquarters

Everything You Need to Know About Auto Insurance in Texas

Midland is a mix of unique and engaging experiences that truly capture the spirit of this windy, charming area. There is a rich history of the past and current oil industry at the Petroleum Museum. Nature lovers will absolutely adore the serene trails and wildlife at the I-20 Wildlife Preserve and Sibley Nature Center – perfect spots for a leisurely walk or a picnic. For a taste of local life, the Midland Downtown Farmer’s Market is a lively place to try fresh produce and crafts. Midland’s blend of activities is both welcoming and varied.

Midland also has traffic conditions that show the importance of having adequate insurance coverage. Despite being less congested compared to larger metropolitan areas, Midland still faces its share of challenges. Commuters often navigate through oilfield traffic, which can be heavy and unpredictable due to the city’s significant oil industry presence.

Additionally, Midland’s roads may be affected by adverse weather conditions such as dust storms or occasional ice, further heightening the risk of road mishaps. Texas auto insurance provides a safety net for drivers in Midland so they can explore or reside with peace of mind.

How Much Does Car Insurance Cost in Midland, Texas?

Locals of Midland pay about $47 per month for state minimum required liability insurance, the same as the average payment in Texas. This pricing is also $15 less than the United States’ mean cost of car insurance of $62.

Full coverage auto insurance in Midland is roughly $149 per month, $20 less than the Texas mean of $169 and $66 less than the nation’s, which is $215.

Reasons Why Insurance is So Cheap in Texas

In Texas, premium prices for auto insurance vary significantly based on various factors, including your age, driving history, and the specific protection you need. Coverage rates in the Lone Star State tend to be relatively affordable compared to other regions due to characteristics such as a competitive market, the tort system, and the generally mild climate.

The high competition among insurance providers in Texas often leads to lower prices as companies strive to offer affordable pricing to retain your business. Additionally, Texas has a tort system that holds at-fault individuals accountable for the losses resulting from any accidents. This legal practice contributes to lower premiums compared to areas without such systems.

Despite the occasional occurrence of severe weather events like hurricanes and hailstorms, Texas’ overall mild climate helps mitigate prices compared to regions prone to higher-risk weather-related claims. Nonetheless, you’ll want to collect and compare quotes from multiple insurers to ensure you secure the necessary protection at the most favorable rate.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This chart shows the monthly premiums in Midland in relation to people living in other Texas regions.

City Full Coverage Insurance Liability Insurance Coverage
Midland $149 $47
Waco $145 $50
Laredo $170 $58
Arlington $159 $59
Temple $144 $50

Affordable Midland Car Insurance Rates by Zip Code

Underwriters use your zip code to determine how much your premium costs. When you live in a populated area with more people on the road, it results in a higher number of claims. Thus, you’ll pay more than if fewer claims were to be filed.

Below is how much Midland residents in various zip codes pay for their full coverage and liability policies.

Zip Code Full Coverage Insurance Liability Insurance Coverage
79701 $149 $47
79702 $149 $47
79703 $146 $47
79704 $149 $47
79705 $148 $47
79707 $146 $47
79708 $149 $47
79711 $149 $47

Low-Cost Car Insurance Rates by Age in Midland

Premiums for auto insurance are higher for young people because statistically, they tend to have a higher number of claims, and insurers need to factor this into their pricing. However, as you get more experience behind the wheel and practice safe, defensive driving techniques, your premiums usually decrease.

This chart lists the typical monthly auto payments in Midland based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $483 $169
20s $212 $67
30s $142 $46
40s $137 $45
50s $126 $43
60s $134 $48
70s $142 $53

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

Driving Conditions in Midland

How Many Fatal Accidents Happen in Midland?

The National Highway Traffic Safety Administration releases data annually about car crash fatalities in Midland. During the years 2011 through 2021, the NHTSA reported an average of 15 to 16 fatalities per year. According to these statistics, some years only had six to ten fatalities, while other years experienced 20-23.

How Are the Road Infrastructure and Bridges in Midland?

Just as in the rest of Texas, governmental authorities in Midland work hard with public funds to maintain street safety. According to the Texas Department of Transportation (TxDOT), Texas maintains the largest bridge inventory in the nation, and has the smallest percentage (1.3%) of structurally deficient bridges. The current safety features result in zero crashes each year due to poor bridge conditions.

However, to accommodate the growth within the state and continue with this success, it is estimated that upwards of $20 billion is still needed annually for bridges and culverts, and to erase the backlog of deficient bridges over the next decade.

Minimum Car Insurance Requirements in Midland

Texas defines the minimum liability mandates in Midland as well as the rest of the state, which include:

What Are the Penalties for Driving Without Insurance in Midland, Texas?

You can experience consequences if you cannot provide documentation of an active policy. If you’re stopped and driving without auto coverage, Texas considers this failure to maintain insurance, which is a class C misdemeanor.

For your first offense, here are some of the consequences you can encounter:

  • A driver’s license surcharge of $250 annually for three years following
  • Fees as much as $350

For subsequent offenses, here are some of the consequences you can expect:

  • License and car registration suspension plus reinstatement fees
  • An SR-22 insurance requirement
  • Up to $1,000 in fines for each offense
  • Impoundment of your automobile or truck and fees to regain possession
Image office

Find an office near you to help with your auto insurance

Factors Allowed in Midland Car Insurance Rates

In addition to your location, age, and the frequency that you drive, there are additional factors that influence the cost of auto insurance rates, including your:

  • Driving history
  • Job title
  • Gender
  • The type of vehicle you drive, like an SUV or sedan

What Happens if I Damage Property?

In almost every type of accident, damage is almost inevitable. The good news is that when you have sufficient coverage, your policy can step in to help cover the expenses, up to the coverage limits. State-mandated liability insurance assists with paying for damages to other people’s property, including repairs to their car or truck, fixing fences or other structures, and even reimbursement for other losses.

If the property is owned by the local government, the claims process tends to vary. For example, your liability plan will pay for the repairs up to your maximum coverage limits, but there may be additional steps you need to take, like filing a claim with the city’s insurer.

Liability policies also provide legal protection. If you don’t have liability coverage, you would have to pay for the full amount of losses out of pocket, which can be financially devastating. As you can see, having an adequate liability plan ensures that you’re safeguarded in a variety of scenarios and have the support you need, when you need it.

What Are the Best Discounts for Car Insurance in Midland, TX?

There are many auto insurance discounts that can significantly lower your monthly payments.

Some popular discounts for Midland residents include:

In fact, you can lower your auto insurance rates if your car has certain safety features. Every state has its own rules when it comes to qualifying for discounts like these, but it’s worth asking your provider to see if you can get a better price. Since you can apply more than one kind of discount to most plans, use this to your advantage to get the best possible savings.

Get an Online Quote for Car Insurance in Midland Today!

Downtown as viewed from Wadley Barron Park in Midland, TX: Cheap car insurance in Texas.

Freeway Insurance can help you find the right coverage at the best price, so as Midland local you will have proof of an active state-mandated minimum liability auto policy. Get started with a quote online or at a Texas office location, or call us at (800) 777-5620 where you can explore options for your exact needs while also saving money.