On average, auto insurance in Midland costs about $148 per month for minimum coverage liability insurance and about $148 per month for full coverage insurance. Midland drivers pay 5% more than the

Michigan

average.

Securing an affordable car insurance policy is a great way to keep your auto-related expenses as low as possible. However, there’s no “cheapest” car insurance provider for every driver. To ensure you’re getting the best price for customized coverage, compare

auto insurance quotes

from various companies before choosing your favorite.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 21, 2023	Progressive	$138	Daniel, 35 Zip: 48642	Ford Explorer XLT	• 100,000/300,000 Liability • Comp / Collision
September 15, 2023	Safeco	$105	Sally, 28 Zip: 48640	Chevrolet Equinox LT	• 100,000/300,000 Liability • Comp / Collision
September 14, 2023	Bristol West	$197	Mayme, 40 Zip: 48642	Ford Escape Titanium	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 30, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Midland

Jerry conducted the nation's largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Midland, Michigan.

We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers.

The results? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.

Many drivers report that

Travelers

offers some of the lowest rates in Midland, but other car owners note that their rates increase swiftly as you increase your coverage levels.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Liberty Mutual	4.7	4.7	N/A	4.3
Safeco	4.7	3.7	N/A	4.7
Progressive	4.2	3.6	3.4	4.1
State Farm	4	3.1	4.3	4.2
Geico	4	3	N/A	3.8

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

If you’re looking for a fast and easy way to find the cheapest rates in Midland, try using a car insurance comparison app or website.

Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to

shop for car insurance

and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.

Best cheap car insurance quotes in Midland

Whether you’re from

Detroit

Lansing

Ann Arbor

, or Midland, every Michigan driver is legally required to carry minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PPI).

However, depending on your specific needs, you’ll likely want to consider additional coverage types—such as full coverage.

Cheap minimum liability insurance quotes in Midland

Before legally driving your car, you’ll need to secure a policy meeting

Michigan’s minimum liability coverage requirements

$50,000 of

bodily injury liability

per person

$100,000 of bodily injury liability per accident

$15,000 in

property damage liability

per accident

You’ll often hear this referred to as 50/100/15 coverage.

Check out these Midland car owners who used Jerry to secure affordable minimum liability coverage.

Progressive

Lura (33 years old)

Coverage

State Minimum

Midland, MI (Zip Code: 48642)

Ford Taurus Limited

$79

per month

Safeco

Victoria (37 years old)

Coverage

State Minimum

Midland, MI (Zip Code: 48642)

Ford Econoline E350 Super Duty Wagon

$88

per month

Do you need more than minimum coverage in Midland?

Most drivers in Midland feel that the best car insurance policy will include more than the state minimum coverage.

If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/15 limit—especially if the other driver is seriously injured or the vehicle is totaled.

The bottom line: To ensure you’re fully protected, consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.

Cheap full coverage car insurance quotes in Midland

But what happens if you’re injured or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in.

Full coverage auto insurance

includes comprehensive and collision coverage.

Collision coverage

will help cover the cost of repairing or replacing your accident-damaged vehicle.

Comprehensive coverage

pays for damage due to vandalism, environmental causes, and even theft.

If you purchase your vehicle using an auto loan, your loan provider will likely require that you buy full coverage car insurance.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 100,000/300,000 Liability • Comp / Collision	Progressive	$138	Daniel, 35 Zip: 48642	Ford Explorer XLT
• 100,000/300,000 Liability • Comp / Collision	Safeco	$105	Sally, 28 Zip: 48640	Chevrolet Equinox LT
• 100,000/300,000 Liability • Comp / Collision	Bristol West	$197	Mayme, 40 Zip: 48642	Ford Escape Titanium

Last Updated Sep 30, 2023

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Midland

Jerry has found that the average cost for minimum liability coverage is $148 per month or $1,770 per year in Midland, Michigan. The average annual premium for full coverage is $1,770, totaling about $148 monthly.

Although average insurance rates can estimate your insurance expenses, it is important to understand that several factors determine individual drivers' insurance premiums. These factors include the type of vehicle, driving record, claims history, and demographic information, so the final insurance costs for each driver can vary.

Compare car insurance costs in other states

Wisconsin car insurance

Indiana car insurance

Ohio car insurance

Illinois car insurance

Iowa car insurance

Kentucky car insurance

Minnesota car insurance

West Virginia car insurance

Car insurance quotes in Midland by rating factors

Midland, Michigan car insurance companies consider several factors when

calculating your premium

, including:

Driving record and claims history: Insurance providers may charge higher rates if your Michigan driving record shows a history of accidents or traffic violations.

Location: Rates tend to be higher for city drivers than rural drivers. Different ZIP codes within the same city may also have varying insurance rates.

Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.

Usage of the vehicle: If you use your car to commute to work or have higher annual mileage, insurance companies may charge higher premiums than leisure usage.

Credit score: Drivers with higher credit scores typically pay less for the same coverage—it’s considered an indicator of financial responsibility.

It's important to note that these factors can vary among insurance providers, so we recommend using an online comparison tool or app to get personalized quotes based on your specific circumstances.

How Do Different Factors Impact Your Car Insurance Costs in Midland?

Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.

Prohibited (or effectively prohibited): Occupation.

Learn more abut the car insurance rating factors in Midland:

Cheap car insurance quotes in Midland after driving violations

Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies see a track record of violations, they consider you a higher-risk driver, resulting in higher insurance rates.

Some of the most common traffic violations that can increase your car insurance rates include:

Speeding

DUIs

At fault accidents

Reckless driving

Cheapest car insurance in Midland after an at-fault accident

Your car accident or claim history is a crucial element that significantly impacts car insurance rates.

Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your Midland car insurance rates to increase dramatically.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$229	Jeremy, 25 Zip: 48640	Chevrolet Impala LT	• 100,000/300,000 Liability
Not At Fault	Safeco	$105	Cory, 28 Zip: 48640	Chevrolet Equinox LT	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Bristol West	$126	Verna, 33 Zip: 48640	Toyota RAV4 Limited	• 100,000/300,000 Liability

Last Updated Sep 28, 2023

Cheapest car insurance in Midland after other driving violations

Aside from speeding tickets and DUIs, other violations like

reckless driving

and driving on a suspended license can also increase car insurance costs in Midland.

We’ve given you a list of different driving violations and how we helped Midland drivers find ways to save on their car insurance despite these infractions.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	Progressive	$102	Ralph, 34 Zip: 48642	Ford Fusion Titanium	• 100,000/300,000 Liability
Failure to Yield	Progressive	$229	Josie, 25 Zip: 48640	Chevrolet Impala LT	• 100,000/300,000 Liability
Failure to Yield	Progressive	$229	Dustin, 25 Zip: 48640	Chevrolet Impala LT	• 100,000/300,000 Liability

Last Updated Sep 29, 2023

Cheap car insurance quotes in Midland by age

Insurance rates for new drivers

are notably steep owing to their limited driving experience. However, as individuals age 25, their insurance rates tend to decrease. Conversely, car insurance costs tend to rise again once individuals reach the age of 75.

Cheapest car insurance in Midland for young drivers

Teen drivers in Michigan

typically pay the highest insurance rates out of any age group in the state. Thanks to a higher likelihood of teenagers being involved in accidents compared to other age groups.

As such, teens who drive newer cars should opt for full coverage insurance for better financial protection.

Progressive

Douglas (22 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48642)

Ford Escape Limited

$143

per month

Safeco

Viola (22 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48640)

Audi A3 Premium

$232

per month

Bristol West

Elijah (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Midland, MI (Zip Code: 48640)

Chevrolet Cobalt LS

$108

per month

Cheap car insurance quotes in Midland based on insurance history

Your insurance history—how long you’ve been continuously insured—plays a crucial role in determining your car insurance rates.

Driving without insurance deems you a

high-risk driver

, and insurers want to know you’ve maintained continuous insurance for the duration you have been driving. Having a gap in your insurance coverage, regardless of the reason, results in higher car insurance rates.

To assist our customers in making timely insurance payments and avoiding

coverage lapses

, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.

We have successfully helped numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy.

Progressive

Alan (35 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48642)

Ford Explorer XLT

$138

per month

Safeco

Harold (28 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48640)

Chevrolet Equinox LT

$105

per month

Bristol West

Willie (40 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48642)

Ford Escape Titanium

$197

per month

Safeco

Tony (28 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48640)

Chevrolet Equinox LT

$105

per month

Progressive

Jean (35 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midland, MI (Zip Code: 48642)

Ford Explorer XLT

$138

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I absolutely love being with Liberty Mutual. They are always making sure I'm informed of any changes in the laws or my policy

Desiree

They've been great so far

Jon

Wonderful customer service

Gage

Quick an easy to work with! Good pricing!

Justin

Cheap car insurance quotes in Midland for drivers with poor credit

In Michigan, it’s illegal for car insurance companies to use your credit history to set your rates, deny your application, or raise your premiums on renewal. However, drivers with poor credit might still pay higher rates due to related factors, such as insurance history and claims filing.

According to our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).

If your credit score isn’t up to par, Jerry can still help you find savings on car insurance in Midland.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$113	Amy, 38 Zip: 48640	Toyota RAV4 XLE	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Progressive	$113	Pearl, 38 Zip: 48640	Toyota RAV4 XLE	• 100,000/300,000 Liability • Comp / Collision
550 - 659	Progressive	$138	Daisy, 35 Zip: 48642	Ford Explorer XLT	• 100,000/300,000 Liability • Comp / Collision
< 550	Progressive	$313	Myrtie, 27 Zip: 48642	Jeep Cherokee Limited	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 30, 2023

Cheap car insurance quotes in Midland for popular cars

The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.

Some of the most popular vehicles in the Great Lake State include:

Honda Civic

Nissan Rogue

Ford Bronco

Chevrolet Silverado 1500

Toyota Corolla

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota Corolla L	Progressive	$110	Ethel, 24 Zip: 48640	• State Minimum Liability

Last Updated Sep 30, 2023

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Midland

1. Shop around and compare quotes

You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to

shop for car insurance quotes

with at least three different providers every six months.

If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in {city} that’ll take the guesswork out of your hunt for cheap rates.

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

A great

car insurance discount

is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:

Good driver discounts: You're due for some savings if you've held a

clean driving record

for at least three years.

Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.

Good student discounts: College and high school students with a B average or better can save money on car insurance.

Insurance bundle discounts: You could save money if you

bundle your home and auto insurance

products from the same provider.

3. Increase your deductible for comprehensive and collision coverage

Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Midland so expensive?

The cost of car insurance in Michigan can be higher due to several factors, including:

Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.

Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.

Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.

More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.

Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.

High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.

Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.

FAQ

How much is car insurance in Midland?

People living in Midland pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Midland costs on average $148 per month of $1,770 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the minimum car insurance in Midland, Michigan?

The state-minimum car insurance in Midland, Michigan is as follows:

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These coverages are commonly referred to as 50/100/25 coverage.

What is the cheapest car insurance in Midland?

Based on thousands of Midland drivers Jerry has worked with, car insurance in Midland costs an average of $148 per month for state-minimum coverage and $148 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Midland ?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Midland drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.