Find Car Insurance in Midland, TX

What You Should Know About Car Insurance in Midland, Texas

Before oil was discovered in Midland in 1923, the city functioned as a midway station on the Texas and Pacific Railway between El Paso and Fort Worth. As a railroad town and cattle shipping center, the city was prosperous. Once oil was discovered at the historic Santa Rita No. 1 oil well, the town pivoted and became the center for Permian Basin oilfields and petrochemical industries. Although the discovery of oil eclipsed the cattle trade, it is still a thriving part of Midland’s culture.

Nicknamed the “Tall City” because of its downtown skyline rising above a mostly flat landscape, today Midland thrives with an active nightlife, plenty of dining options and activities and areas for outdoor and sports enthusiasts. Don’t miss the Sibley Nature Center and be sure to watch the minor league baseball team, the Midland Rockhounds, now called the Midland Amigos, play an exciting hometown game at Momentum Bank Ballpark.

Midland is also the childhood home of former President George W. Bush, and the Bush Family Home is a state historic site.

Before driving in and around Midland, be sure and have the required car insurance. Keep reading to find out how InsureOne offers the best car insurance in Texas, plus flexible options so you get what you need.

How Much Does Car Insurance Cost in Midland, Texas?

The cost of car insurance varies depending on where you live. Nationwide, the average is $66 for minimum liability and $223 for full coverage. Midland averages $39 for the minimum liability and $149 for full with increased liability limits. In Texas overall, the average is $214 for full coverage and $60 for the minimum requirements.

In comparing these numbers, you will see that Texas overall offers lower priced automobile coverage than the national average.

Why is Insurance in Midland so Cheap?

Companies bet on the risk you pose when they sell you an insurance policy. Are you more or less likely to get in an accident and file a claim is the main question underwriters try to figure out when they put all of your factors into their algorithms to come up with a quote.

Location plays a large part in those equations because some areas are just more prone to accidents, claims, lawsuits and uninsured drivers — all factors that drive up insurance costs for everybody. Midland is a busy thriving city, but it isn’t as congested as some cities of similar size. For example, Waco is slightly larger by population than Midland and, in 2023, it recorded 3,548 accidents, compared to Midland’s 2,808.

Location also plays a part when it comes to natural disasters. Midland is susceptible to wildfires, tornadoes and thunderstorms, but these are true in many places. Policy holders in this oil town are not likely to file claims for damage from hurricanes and flooding. The city overall has a low crime rate and ranks high in being a safe place for families. All of these factors and more lead to lower insurance rates for most people.

Affordable Car Insurance Rates Comparison by Cities in Texas

As we discussed, where you live plays an important part in your insurance costs — whether that is car or home insurance. Here are some cities in Texas to see how Midland compares when it comes to average monthly car insurance premiums.

City	Full Coverage Insurance	Liability Insurance Coverage
Midland	$149	$39
Austin	$157	$47
Dallas	$184	$54
Lewisville	$156	$111
Weatherford	$150	$111

How Bundling Your Car and Homeowners Insurance Can Save You Money in Midland

The insurance industry is a competitive one. One way carriers compete for your money is by offering discounts and rewarding customers who show loyalty. Bundling insurance policies checks both of these boxes.

Customers are free to switch insurers at any time. Most people wait until their policy is up for renewal to comparison shop, but some change in the middle of a term. When you allow a company to carry more than one policy, you are tacitly showing approval of their pricing, their customer service and more. This show of approval demonstrates loyalty to the company and translates into a less likely scenario where you will switch to a competitor. For this, you will be rewarded with a nice discount — up to 25-30$ off if you bundle a car policy with your home insurance in Texas.

Check with your neighborhood InsureOne agent and find out what discounts today’s top-rated carriers are offering for a bundled package. You may be pleasantly surprised at your savings.

What Types of Car Insurance Discounts are Available in Midland?

Discounts are your insurance agency’s way of saying thank you — either for your continued loyalty, for being a new customer, for being a safe driver, for being a first responder or a teacher… there are many different discounts you can pursue and there is one for every driver. Here are some examples of discounts, but it is always a good idea to talk to your agent, especially if your life circumstances change.

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Anti-lock brakes	3% Off
Auto-pay	5%
Military	15% on base, 90% deployed
Good Student	15%

Notable Car Insurance Laws in Midland

People driving in Midland should follow the same rules as are established for the state of Texas. Some common ones are:

• Parking: In Midland, parking is prohibited in alleys, narrow streets and near schools.
• Keys in ignition: It is a $500 fine if you leave your keys in the ignition. This law is to help prevent auto theft.
• Bicycles: Cyclists are granted the same rights and responsibilities as vehicle drivers.

What are the Mandatory Car Insurance Requirements in Midland?

The minimum legal requirement for liability car insurance in Texas is:

• Property Damage Liability: $25,000
• Bodily Injury Liability: $30,000 per person and $60,000 per accident

Liability consists of 2 parts, bodily injury and property damage. In an at-fault state like Texas, it is designed to help pay for repair costs and medical bills for others you hurt when you cause an accident. Let’s say you are driving on Loop 250 at Andrews Highway (the spot with the highest number of reported accidents in 2023) and you swerve to avoid a lane-changer and hit the vehicle next to you. The lane-changer you swerved to miss is long gone and you are left holding the bag.

Your insurance will kick in to help pay for any damage and injuries you cause in the wreck — up to your policy limits. You can always increase those limits to be on the safe side — many people increase up to 100/300/100. However, your liability is not going to pay for your own repairs and bills — that will come out of pocket unless you have collision coverage. There are always good reasons to consider getting additional car insurance.

What is the Penalty for Driving without Insurance in Midland?

Penalties for driving without insurance in Midland or anywhere in Texas are serious and costly. You can even have your car taken away by the state. Some of the expected costs you may have to bear include:

• Fines of $175 to $1,000, depending on number of offenses
• License surcharge of $250 every year for 3 years
• License suspension and vehicle impoundment

Keep in mind that a driving without insurance conviction means you may have to file an SR-22 certificate of financial responsibility. Your insurer actually has to file this document for you, certifying that you have paid for at least the minimum state insurance requirements. An SR-22 is a red flag to insurers and some will not even sell you insurance because you are now considered a high-risk driver.

You can find insurance in these circumstances, but it is going to be much more expensive. It is actually cheaper in the long run to always drive with insurance.

Do Midland Specific Laws Play a Role in Determining Your Insurance Premiums?

We talked about how important location is when carriers are setting your car insurance quote. There are not any specific laws in Midland that determine your premium, but aside from location, there are plenty of other factors underwriters look at to determine your price. Here are a few examples of other factors:

• Driving Record: Your driving record is the biggest factor. If you have kept a clean record for the last 3-5 years, you will be offered the best rates.
• Age: Age is also an important factor. Very young drivers (16-20) do not have experience, they do not have a record to look at and they belong to a collective group that files a lot of claims. This is why their rates are higher.
• Other Demographics: Your marital status, your credit score, your job title — even your level of school completed all weigh in on the rate you will be offered.

Typical Driving Conditions in Midland

Driving conditions in Midland, Texas, can vary depending on the time of year, weather, and local traffic patterns. The city’s climate is typically arid, with hot summers and mild winters. During the summer months, temperatures can soar above 100°F, which may lead to an increase in vehicle wear, particularly for tires and cooling systems. In winter, snow and ice are rare but can occasionally cause disruptions, especially on bridges and overpasses that freeze more quickly.

The road infrastructure in Midland is well-maintained, with major highways like I-20 running through the city. However, traffic congestion can be an issue during peak hours, especially near the downtown area and industrial zones. Drivers are advised to be cautious during periods of heavy rain, as flash flooding can occur due to the region’s quick runoff.

Overall, Midland offers a relatively straightforward driving experience, though awareness of seasonal changes and traffic flow is key for safe travel.

How Many Car Accidents Happen in Midland Per Year?

Midland is a thriving city in the Permian Basin in West Texas. Drivers here may experience congestion around peak hours in the city, but the surrounding area is wide open flat lands, broken up by draws, mesquite and pump jacks. In 2022, there were 21 total fatal accidents in Midland, with 22 people being killed.

CRASH CATEGORY	TOTAL
Total Fatal and Injury	2,808
Fatalities	22
Serious Crashes	75
Non-Injury Crashes	1,806
Unknown Severity	126

How Many Uninsured/Underinsured Motorists are in Midland?

One in five people are driving in Texas without insurance, according to the Texas Department of Motor Vehicles. Look around you while driving on Andrews Highway, Midkiff Road, Loop 250 South and Midland Drive. One of every 5 cars you see may be driven by someone who has no insurance. If they cause a wreck, will you be able to pay for your damages and medical costs?

Although uninsured motorist coverage (UM) is not required in Texas, it is an inexpensive way to protect yourself in the event of a wreck involving someone with no insurance. Of course, you can take them to court, but if they have no assets, you may not find any reparation there.

Nationally, the average cost for UM is 3-5% of your total premium. It is an investment well worth making when you build your customized car insurance policy with InsureOne.