policy in Midland, TX costs about $129 per month while liability-only coverage averages about $45 monthly. While this is just slightly lower than the average cost of insurance in

Texas

, working with an insurance broker is the best way to ensure you get the best coverage at the best price.

How much does car insurance cost in Texas?

Jerry

has been helping Texans find affordable car insurance since 2021. During that time, we’ve learned:

Texas drivers pay an average of $1,570 per year or $131 per month for full coverage. A liability-only policy averages about $635 per year and $53 per month.

Drivers in Midland pay just slightly less than the statewide average—$1,548 annually or $129 monthly for full coverage and $543 per year or about $45 per month for liability insurance coverage.

Yes—
minimum liability coverage
costs less than a full coverage policy. But that’s because it offers much less financial and legal protection for you and no protection for your car.
If you’re at fault in a serious accident, it’s unlikely Texas’s minimum liability limits will cover all the medical and repair bills you’ll be responsible for. You’ll have to pick up the difference out of pocket or risk a lawsuit—and that’s in addition to footing the bill for your vehicle repairs.
To make sure both you and your car are fully protected in case of an accident, you’ll need a
full coverage car insurance policy
.

Texas car insurance costs less than the

national average

for most drivers. But that doesn’t mean drivers in the Lone Star State have escaped the trend of rising costs for insurance services.

In fact, in addition to the post-pandemic economic stresses still driving increases across the nation, Texas insurers also have to account for an already high and ever-increasing number of natural disasters when calculating premiums and applying for rate increases.1

Learn more:

Texas car insurance laws: How much coverage do I need?

The best car insurance companies in Midland

Car insurance quotes

are highly individualized so there’s no such thing as the one best provider for all Texas drivers. But after conducting the

largest insurance survey in the country

, the insurance experts at Jerry do have some recommendations.

While big-name carriers like

GEICO

and

State Farm

got mixed reviews for policy cost and customer service, smaller insurers like

Aspire Advantage

and

National General

came through with the highest ratings from real customers.

Learn more:

Best car insurance companies in Texas

How to find cheap car insurance quotes in Midland, TX

While it’s always a good idea to look at what real customers think of a carrier when shopping for your own policy, the best way to find cheap car insurance in Midland, TX (or anywhere for that matter) is to compare quotes from multiple providers. The easiest way to do that is with the

Jerry

app.

1. Enter your information in the Jerry app

You’ll need to provide basic information, like your name, address, and vehicle identification number (VIN), but we won’t send you searching through mounds of paperwork.

2. Compare coverage levels and pricing

Once your profile is complete, you’ll receive a list of quotes from carriers in your area.

Your list will include insurance options for everything from bare-minimum coverage to robust full-coverage policies with added optional insurance products like rental reimbursement and roadside assistance.

3. Select the quote you like best

To select the coverage that best fits your insurance needs, just tap “Confirm your rate” and Jerry will begin finalizing your rate with your new provider.

4. Make your first payment to activate coverage

You’ll be notified in the app when your final price is confirmed, then you can enter your payment information to purchase your policy and bind your coverage—no need to leave the app. Most Jerry partners offer same-day coverage so you could even have your digital insurance card within one to three hours.

“So far so good, and great rates! 10/10 experience!” - Chassity, Midland, TX

How to save on car insurance in Midland

Using an independent insurance agency or broker is a great place to start when it comes to shopping for car insurance, but there’s still more you can do. To make sure you get the lowest possible price, here are some additional tricks you can use:

Bundle your policies: Homeowners and renters can save money by

bundling auto and home

insurance or renters insurance with their auto insurance coverage. Jerry can compare bundled quotes and help you find other multi-policy discounts right in the app.

Take advantage of discounts: Bundling homeowners insurance with auto coverage is just one of the many ways to get

car insurance discounts

from most providers. When you shop free quotes with the Jerry app, you’ll be matched with providers offering discounts you qualify for.

Raise your deductible: The higher the deductibles on your collision and comprehensive insurance, the less you’ll pay for your policy. Most insurance companies will allow you to set your

car insurance deductible

as high as $1,000—but never increase it to more than you can afford to pay if you need to make a claim.

Improve your driving: Avoiding tickets, DUIs, and accidents to maintain a clean driving history is a great way to keep your insurance costs low. If you have the Jerry app on your phone, you can get a free safe driving score and tips to improve your driving record!

Improve your credit score: Texas is one of many states that allow insurers to use your credit score when calculating your insurance premiums. Drivers with bad credit will usually see higher rates than those with good credit.

Reshop often: Car insurance rates change often as companies rewrite their rating guidelines and your own profile changes. Jerry can automatically check for the best rates whenever you might be eligible for savings.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.

Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle.

Minimum coverage refers to policies with the following coverage limits:

$30,000

bodily injury liability

per person

$60,000 bodily injury liability per accident

$25,000

property damage liability

Full coverage refers to policies that contain at least the minimum liability required by law in Texas along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

FAQs

What is the cheapest car insurance in Texas?

No one car insurance company offers the cheapest rate for every driver. The primary reason is that every customer gets different car insurance quotes based on their profile—so the most affordable company differs for everyone.

How much does car insurance cost in Texas per month?

Texas drivers pay an average of $1,570 per year or $131 per month for full coverage. A liability-only policy averages about $635 per year or $53 per month.

What is the average cost of car insurance in Midland?

Drivers in Midland pay about the same as the statewide average—$1,548 annually or $129 monthly for full coverage and $543 per year or about $45 per month for liability insurance coverage.

What is the difference between no-fault and tort car insurance?

No-fault car insurance requires each driver's insurance company to cover their medical expenses after an accident, regardless of fault. In contrast, tort car insurance holds the at-fault driver responsible for paying for the medical expenses of the innocent party.

Under tort insurance, the innocent party has the option to sue for damages beyond their insurance coverage, while no-fault insurance limits the ability to sue to specific circumstances. The choice between these systems is determined by state law and the rules can vary significantly from one state to another.

What are the cheapest car insurance companies in Midland?

That said, many Midland drivers find competitive and affordable rates with providers like State Farm, Aspire Advantage, and Progressive.

What is the average cost of car insurance?

As of December 2023, a full coverage car insurance policy costs drivers an average of $1,790 per year.

How can I lower my car insurance in Texas?

A few things you can do to

lower your Texas car insurance rates

include taking advantage of discounts, adjusting your policy deductibles, and reshopping your policy before each renewal.

Does credit score affect car insurance?

In most states, including Texas, your credit score influences your car insurance rates. If you live in Hawaii, Massachusetts, California, or Michigan, your credit score cannot be taken into account when calculating your car insurance premiums.

Why is auto insurance so high in Texas?

A key factor driving up Texas’s auto insurance policy rates is the frequency and variety of natural disasters that can lead to high-dollar comprehensive coverage claims.

Sources

https://nisar.jpl.nasa.gov/documents/7/NISAR_Applications_Hazards_Texas.pdf

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

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.