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Your needs will dictate which provider is the best for you. For instance, State Farm has the best prices for young drivers, military personnel and drivers with violations. Nationwide is cheapest for teens and families. Chubb provides the best customer experience, while Texas Farm Bureau has the best cheap rates.

MoneyGeek Logo IconCheapest + BestCar InsuranceMidland
2023

Cheapest and Best Car Insurance in Midland, TX

Cheapest Minimum Liability Car Insurance in Midland

The following insurance companies offer Midland drivers the cheapest minimum coverage auto insurance premiums:

  • Texas Farm Bureau: $266 per year
  • State Farm: $277 per year

State Farm provides the cheapest auto insurance in Texas at $241, but price and availability can vary depending on where you live. With a yearly cost of $892, a Dairyland minimum insurance premium is the most expensive in Midland.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$232

$19

State Farm

$259

$22

Texas Farm Bureau

$266

$22

State Farm

$277

$23

Allstate

$303

$25

Allstate

$310

$26

Texas Farm Bureau

$337

$28

State Farm

$338

$28

Mercury

$343

$29

Mercury

$370

$31

AAA Texas

$371

$31

Allstate

$378

$32

AAA Texas

$397

$33

GEICO

$426

$36

Nationwide

$434

$36

Mercury

$438

$36

GEICO

$442

$37

Nationwide

$453

$38

AAA Texas

$476

$40

GEICO

$479

$40

Progressive

$499

$42

Progressive

$512

$43

Texas Farm Bureau

$534

$44

State Farm

$537

$45

Chubb

$538

$45

National General

$566

$47

National General

$584

$49

Chubb

$591

$49

State Farm

$592

$49

Progressive

$594

$49

Nationwide

$602

$50

Foremost

$621

$52

Texas Farm Bureau

$648

$54

Allstate

$692

$58

National General

$719

$60

Foremost

$724

$60

Nationwide

$748

$62

State Farm

$765

$64

Allstate

$777

$65

Texas Farm Bureau

$785

$65

GEICO

$790

$66

GEICO

$835

$70

Foremost

$849

$71

Mercury

$853

$71

AAA Texas

$857

$71

AAA Texas

$868

$72

Dairyland

$872

$73

Mercury

$876

$73

Dairyland

$892

$74

Nationwide

$905

$75

GEICO

$967

$81

Chubb

$1,037

$86

Allstate

$1,046

$87

Dairyland

$1,061

$88

Nationwide

$1,081

$90

Chubb

$1,129

$94

AAA Texas

$1,131

$94

Mercury

$1,156

$96

National General

$1,231

$103

Chubb

$1,309

$109

Foremost

$1,326

$110

Progressive

$1,329

$111

National General

$1,341

$112

Progressive

$1,402

$117

Foremost

$1,408

$117

National General

$1,521

$127

Dairyland

$1,654

$138

Progressive

$1,740

$145

Foremost

$1,769

$147

Dairyland

$1,864

$155

Chubb

$2,013

$168

Dairyland

$2,295

$191

Texas law requires that drivers carry the following bodily injury and property damage coverage, at a minimum:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

If you cause an accident and have bodily injury liability insurance with a cap of $30,000 per person and $60,000 per accident, your insurer will pay for the affected parties' medical expenses up to that amount. You are liable for the remaining balance.

Cheapest Full Coverage Car Insurance in Midland

The following companies provide full coverage car insurance premiums at the most affordable prices in Midland:

  • State Farm: $592 per year
  • Texas Farm Bureau: $648 per year

For $542 a year, State Farm offers the cheapest full coverage auto insurance in Texas, though costs might vary depending on where you live. Dairyland offers the most expensive full coverage insurance policy in Midland at $1,864 a year.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$232

$19

State Farm

$259

$22

Texas Farm Bureau

$266

$22

State Farm

$277

$23

Allstate

$303

$25

Allstate

$310

$26

Texas Farm Bureau

$337

$28

State Farm

$338

$28

Mercury

$343

$29

Mercury

$370

$31

AAA Texas

$371

$31

Allstate

$378

$32

AAA Texas

$397

$33

GEICO

$426

$36

Nationwide

$434

$36

Mercury

$438

$36

GEICO

$442

$37

Nationwide

$453

$38

AAA Texas

$476

$40

GEICO

$479

$40

Progressive

$499

$42

Progressive

$512

$43

Texas Farm Bureau

$534

$44

State Farm

$537

$45

Chubb

$538

$45

National General

$566

$47

National General

$584

$49

Chubb

$591

$49

State Farm

$592

$49

Progressive

$594

$49

Nationwide

$602

$50

Foremost

$621

$52

Texas Farm Bureau

$648

$54

Allstate

$692

$58

National General

$719

$60

Foremost

$724

$60

Nationwide

$748

$62

State Farm

$765

$64

Allstate

$777

$65

Texas Farm Bureau

$785

$65

GEICO

$790

$66

GEICO

$835

$70

Foremost

$849

$71

Mercury

$853

$71

AAA Texas

$857

$71

AAA Texas

$868

$72

Dairyland

$872

$73

Mercury

$876

$73

Dairyland

$892

$74

Nationwide

$905

$75

GEICO

$967

$81

Chubb

$1,037

$86

Allstate

$1,046

$87

Dairyland

$1,061

$88

Nationwide

$1,081

$90

Chubb

$1,129

$94

AAA Texas

$1,131

$94

Mercury

$1,156

$96

National General

$1,231

$103

Chubb

$1,309

$109

Foremost

$1,326

$110

Progressive

$1,329

$111

National General

$1,341

$112

Progressive

$1,402

$117

Foremost

$1,408

$117

National General

$1,521

$127

Dairyland

$1,654

$138

Progressive

$1,740

$145

Foremost

$1,769

$147

Dairyland

$1,864

$155

Chubb

$2,013

$168

Dairyland

$2,295

$191

A full coverage policy has extra protections like collision and comprehensive coverage.

  • Collision Insurance: Pays for damage to your car caused by a collision with another vehicle or stationary object.
  • Comprehensive Insurance: Pays for non-collision-related damage such as vandalism, theft, fire or flooding.

Full coverage policies help protect your investment if you have a newer car. However, if you have an older or low-value vehicle, a full coverage policy could cost more than the car is worth.

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Cheapest Car Insurance in Midland After a Driving Offense

According to MoneyGeek's analysis, the following companies provide full coverage auto insurance at the most affordable rates for Midland drivers with offenses:

  • Speeding ticket: State Farm ($592 per year)
  • At-fault accident: State Farm ($733 per year)
  • DUI: State Farm ($1,072 per year)

Dairyland is the most expensive option if you have a speeding violation, with premiums costing $2,265. Foremost charges the highest rates after an accident ($3,026) and Chubb is the costliest after a DUI ($2,562).

Even after shopping around for the best deals, drivers with poor records usually pay more for car insurance than those with clean records.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$232

$19

State Farm

$259

$22

Texas Farm Bureau

$266

$22

State Farm

$277

$23

Allstate

$303

$25

Allstate

$310

$26

State Farm

$333

$28

Texas Farm Bureau

$337

$28

State Farm

$338

$28

State Farm

$354

$29

Allstate

$378

$32

Texas Farm Bureau

$419

$35

State Farm

$422

$35

Texas Farm Bureau

$451

$38

Mercury

$471

$39

GEICO

$475

$40

Mercury

$480

$40

GEICO

$495

$41

AAA Texas

$499

$42

Texas Farm Bureau

$505

$42

Nationwide

$509

$42

GEICO

$512

$43

Allstate

$515

$43

State Farm

$516

$43

Nationwide

$529

$44

Allstate

$529

$44

AAA Texas

$533

$44

Texas Farm Bureau

$534

$44

State Farm

$537

$45

State Farm

$537

$45

Progressive

$546

$46

Mercury

$557

$46

AAA Texas

$561

$47

Allstate

$562

$47

GEICO

$563

$47

Mercury

$571

$48

Texas Farm Bureau

$573

$48

Allstate

$577

$48

Mercury

$581

$48

Chubb

$581

$48

Texas Farm Bureau

$583

$49

AAA Texas

$588

$49

Progressive

$590

$49

State Farm

$592

$49

Progressive

$595

$50

Mercury

$599

$50

AAA Texas

$599

$50

GEICO

$600

$50

State Farm

$605

$50

GEICO

$611

$51

AAA Texas

$628

$52

Chubb

$638

$53

AAA Texas

$639

$53

National General

$642

$54

Allstate

$645

$54

Progressive

$645

$54

Texas Farm Bureau

$648

$54

Progressive

$652

$54

National General

$652

$54

National General

$662

$55

State Farm

$674

$56

National General

$678

$57

Nationwide

$685

$57

Allstate

$692

$58

Foremost

$697

$58

GEICO

$703

$59

Progressive

$703

$59

Mercury

$703

$59

GEICO

$704

$59

Allstate

$705

$59

Nationwide

$707

$59

AAA Texas

$718

$60

State Farm

$733

$61

Nationwide

$733

$61

Foremost

$747

$62

Texas Farm Bureau

$754

$63

AAA Texas

$754

$63

GEICO

$763

$64

Progressive

$764

$64

State Farm

$765

$64

Allstate

$777

$65

Texas Farm Bureau

$785

$65

Chubb

$803

$67

National General

$814

$68

National General

$816

$68

Foremost

$820

$68

Mercury

$829

$69

Progressive

$842

$70

Nationwide

$872

$73

Nationwide

$876

$73

Progressive

$882

$73

Chubb

$882

$73

Foremost

$884

$74

National General

$886

$74

Dairyland

$889

$74

Nationwide

$898

$75

Texas Farm Bureau

$899

$75

Mercury

$905

$75

Dairyland

$909

$76

State Farm

$924

$77

National General

$928

$77

Foremost

$929

$77

GEICO

$933

$78

GEICO

$966

$81

Nationwide

$978

$82

Foremost

$979

$82

Texas Farm Bureau

$997

$83

State Farm

$1,013

$84

Nationwide

$1,042

$87

Nationwide

$1,046

$87

Allstate

$1,046

$87

Texas Farm Bureau

$1,049

$87

Chubb

$1,051

$88

National General

$1,061

$88

State Farm

$1,072

$89

GEICO

$1,077

$90

Dairyland

$1,081

$90

Allstate

$1,102

$92

GEICO

$1,116

$93

AAA Texas

$1,117

$93

Chubb

$1,120

$93

AAA Texas

$1,127

$94

GEICO

$1,137

$95

Mercury

$1,139

$95

Dairyland

$1,148

$96

Chubb

$1,154

$96

Allstate

$1,172

$98

Texas Farm Bureau

$1,200

$100

Mercury

$1,209

$101

Allstate

$1,210

$101

Chubb

$1,219

$102

Nationwide

$1,223

$102

AAA Texas

$1,236

$103

Dairyland

$1,237

$103

Nationwide

$1,237

$103

AAA Texas

$1,243

$104

Mercury

$1,253

$104

GEICO

$1,262

$105

State Farm

$1,263

$105

Allstate

$1,277

$106

Texas Farm Bureau

$1,282

$107

Dairyland

$1,283

$107

AAA Texas

$1,288

$107

AAA Texas

$1,296

$108

Dairyland

$1,312

$109

Nationwide

$1,322

$110

GEICO

$1,374

$115

Mercury

$1,383

$115

GEICO

$1,386

$116

Dairyland

$1,403

$117

Chubb

$1,414

$118

National General

$1,432

$119

Mercury

$1,453

$121

GEICO

$1,453

$121

AAA Texas

$1,471

$123

Texas Farm Bureau

$1,494

$124

Foremost

$1,513

$126

Nationwide

$1,518

$127

National General

$1,524

$127

Mercury

$1,525

$127

Dairyland

$1,525

$127

Foremost

$1,541

$128

Chubb

$1,549

$129

Progressive

$1,564

$130

Progressive

$1,568

$131

National General

$1,601

$133

Nationwide

$1,603

$134

National General

$1,611

$134

Foremost

$1,618

$135

Foremost

$1,619

$135

AAA Texas

$1,626

$136

Allstate

$1,632

$136

Dairyland

$1,672

$139

Nationwide

$1,675

$140

Chubb

$1,687

$141

Mercury

$1,692

$141

AAA Texas

$1,695

$141

Progressive

$1,705

$142

Progressive

$1,707

$142

National General

$1,723

$144

Allstate

$1,724

$144

Foremost

$1,743

$145

Foremost

$1,834

$153

Dairyland

$1,882

$157

National General

$1,901

$158

Progressive

$1,919

$160

Foremost

$1,930

$161

Chubb

$1,957

$163

Foremost

$1,961

$163

National General

$1,976

$165

Nationwide

$1,985

$165

Mercury

$2,016

$168

Chubb

$2,029

$169

Progressive

$2,054

$171

Foremost

$2,068

$172

Mercury

$2,083

$174

Progressive

$2,128

$177

National General

$2,137

$178

Progressive

$2,173

$181

Chubb

$2,175

$181

National General

$2,192

$183

Chubb

$2,208

$184

Dairyland

$2,231

$186

Dairyland

$2,265

$189

Dairyland

$2,316

$193

Progressive

$2,510

$209

Dairyland

$2,553

$213

Chubb

$2,562

$214

Dairyland

$2,608

$217

Dairyland

$2,632

$219

Dairyland

$2,896

$241

Chubb

$3,010

$251

Foremost

$3,026

$252

Foremost

$3,501

$292

Foremost

$3,590

$299

Chubb

$3,944

$329

The severity of the driving infraction will likely dictate how much your premium increases. For example, in Midland, a 40-year-old motorist with a DUI may see an increase in insurance rates of up to $441 per year compared to a driver without a record. Meanwhile, having a ticket means you may pay up to $201 more per year for your premium.

You can still find the cheapest vehicle insurance if you have a bad driving record by shopping around.

Cheapest Car Insurance in Midland for Teens and Their Families

The following companies offer the most competitive insurance rates for families in Midland adding teens to their auto policy:

  • Nationwide: $1,296 per year for female teens, $1,477 per year for male teens
  • State Farm: $1,548 per year for female teens, $1,872 per year for male teens

Allstate is the most expensive option, with yearly rates for a female teen at $5,444 and a male teen at $6,407. Young males frequently pay higher rates due to their projected insurance risk. However, this gender-based price difference tapers off by early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$550

$2,582

State Farm

$641

$3,008

State Farm

$657

$3,511

State Farm

$690

$3,240

Nationwide

$850

$1,898

Nationwide

$860

$2,043

Nationwide

$898

$2,549

State Farm

$919

$3,101

Nationwide

$952

$2,927

Nationwide

$957

$2,137

Nationwide

$971

$2,386

State Farm

$1,007

$3,718

Nationwide

$1,009

$2,253

Nationwide

$1,016

$2,414

Nationwide

$1,026

$2,730

State Farm

$1,032

$3,482

Nationwide

$1,078

$2,560

State Farm

$1,090

$4,295

State Farm

$1,136

$3,831

Nationwide

$1,207

$4,153

State Farm

$1,208

$5,128

State Farm

$1,230

$4,541

Nationwide

$1,232

$4,882

Nationwide

$1,260

$3,573

State Farm

$1,262

$4,728

Nationwide

$1,296

$5,279

Nationwide

$1,324

$5,245

GEICO

$1,330

$2,385

GEICO

$1,344

$2,878

GEICO

$1,347

$2,298

GEICO

$1,362

$2,444

GEICO

$1,366

$2,330

Nationwide

$1,366

$5,312

GEICO

$1,375

$2,876

Allstate

$1,382

$1,825

State Farm

$1,389

$5,822

GEICO

$1,395

$2,627

Nationwide

$1,404

$6,179

Nationwide

$1,418

$4,360

GEICO

$1,422

$2,552

GEICO

$1,424

$2,635

GEICO

$1,441

$2,458

Nationwide

$1,477

$6,685

Allstate

$1,488

$1,881

State Farm

$1,502

$6,480

Nationwide

$1,509

$6,643

State Farm

$1,513

$5,667

State Farm

$1,544

$6,470

State Farm

$1,548

$7,164

GEICO

$1,578

$3,855

GEICO

$1,592

$3,410

GEICO

$1,638

$3,926

GEICO

$1,664

$3,481

Allstate

$1,675

$2,213

State Farm

$1,681

$7,277

Allstate

$1,702

$2,597

GEICO

$1,712

$4,612

GEICO

$1,784

$4,742

Allstate

$1,787

$2,360

State Farm

$1,866

$8,078

State Farm

$1,872

$8,955

Progressive

$1,896

$2,927

GEICO

$1,909

$5,142

Foremost

$1,944

$3,198

Allstate

$1,954

$2,471

GEICO

$1,961

$6,094

Progressive

$1,971

$4,795

Progressive

$1,973

$2,894

Allstate

$1,996

$3,023

Foremost

$1,999

$2,751

Allstate

$2,018

$2,947

GEICO

$2,020

$5,369

GEICO

$2,075

$6,441

Foremost

$2,095

$2,884

Foremost

$2,104

$3,026

Foremost

$2,123

$2,922

Progressive

$2,142

$5,191

Foremost

$2,148

$3,640

Allstate

$2,153

$2,722

Foremost

$2,171

$2,888

Progressive

$2,249

$3,300

Progressive

$2,296

$3,545

Foremost

$2,333

$3,104

Progressive

$2,356

$6,509

Allstate

$2,359

$3,443

Progressive

$2,374

$4,155

Foremost

$2,377

$3,422

Progressive

$2,411

$4,493

Progressive

$2,422

$5,892

Foremost

$2,433

$3,237

Progressive

$2,444

$3,586

Progressive

$2,540

$3,922

Foremost

$2,566

$8,537

Foremost

$2,639

$8,651

Progressive

$2,668

$7,430

Foremost

$2,675

$8,898

Allstate

$2,683

$4,770

Allstate

$2,764

$4,035

Foremost

$2,777

$9,102

Progressive

$2,794

$6,769

Foremost

$2,846

$5,560

Foremost

$2,874

$5,632

Progressive

$2,993

$13,360

Foremost

$3,028

$12,789

Foremost

$3,151

$5,339

Foremost

$3,154

$13,268

Allstate

$3,165

$5,647

Foremost

$3,212

$5,283

Allstate

$3,266

$4,766

Progressive

$3,332

$14,994

Progressive

$3,345

$15,573

Progressive

$3,552

$15,853

Progressive

$3,679

$17,190

Progressive

$3,887

$17,496

Allstate

$4,106

$5,750

Allstate

$4,828

$6,772

Allstate

$5,028

$7,040

Allstate

$5,444

$10,080

Allstate

$5,912

$8,292

Allstate

$6,407

$11,899

Enrolling a teen driver under a family policy is much more cost-effective than purchasing separate insurance. In Midland, adding a teen to a family plan costs $3,267 less than buying an individual plan. Always shop around to find the cheapest car insurance premiums for teens.

Cheapest Car Insurance in Midland for Military Drivers

The following companies offer the cheapest full coverage auto insurance for military members in Midland:

  • State Farm: $592 per year
  • Texas Farm Bureau: $648 per year

Texas Farm Bureau provides minimum insurance at the lowest cost of $266, followed by State Farm for $277. For $789 a year, USAA offers full coverage to service members and special military discounts.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$232

$19

State Farm

$259

$22

Texas Farm Bureau

$266

$22

State Farm

$277

$23

USAA

$297

$25

Allstate

$303

$25

Allstate

$310

$26

USAA

$316

$26

Texas Farm Bureau

$337

$28

State Farm

$338

$28

Mercury

$343

$29

USAA

$354

$30

Mercury

$370

$31

AAA Texas

$371

$31

Allstate

$378

$32

AAA Texas

$397

$33

GEICO

$426

$36

Nationwide

$434

$36

Mercury

$438

$36

GEICO

$442

$37

Nationwide

$453

$38

AAA Texas

$476

$40

GEICO

$479

$40

Progressive

$499

$42

Progressive

$512

$43

Texas Farm Bureau

$534

$44

State Farm

$537

$45

Chubb

$538

$45

National General

$566

$47

National General

$584

$49

Chubb

$591

$49

State Farm

$592

$49

Progressive

$594

$49

Nationwide

$602

$50

Foremost

$621

$52

Texas Farm Bureau

$648

$54

Allstate

$692

$58

National General

$719

$60

Foremost

$724

$60

Nationwide

$748

$62

USAA

$760

$63

State Farm

$765

$64

Allstate

$777

$65

Texas Farm Bureau

$785

$65

USAA

$789

$66

GEICO

$790

$66

GEICO

$835

$70

Foremost

$849

$71

Mercury

$853

$71

AAA Texas

$857

$71

AAA Texas

$868

$72

Dairyland

$872

$73

Mercury

$876

$73

Dairyland

$892

$74

Nationwide

$905

$75

USAA

$962

$80

GEICO

$967

$81

Chubb

$1,037

$86

Allstate

$1,046

$87

Dairyland

$1,061

$88

Nationwide

$1,081

$90

Chubb

$1,129

$94

AAA Texas

$1,131

$94

Mercury

$1,156

$96

National General

$1,231

$103

Chubb

$1,309

$109

Foremost

$1,326

$110

Progressive

$1,329

$111

National General

$1,341

$112

Progressive

$1,402

$117

Foremost

$1,408

$117

National General

$1,521

$127

Dairyland

$1,654

$138

Progressive

$1,740

$145

Foremost

$1,769

$147

Dairyland

$1,864

$155

Chubb

$2,013

$168

Dairyland

$2,295

$191

How to Compare Cheap Midland Car Insurance Quotes Online

Comparing Midland auto insurance prices may take longer than you'd expect. For instance, getting a quote from one firm might take 15 minutes or longer due to the amount of information you need to provide.

MoneyGeek’s insurance calculator can provide a quick rate estimate when you enter your age, car details, driving record and preferred level of coverage.

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Best Car Insurance in Midland: Summary

The best Midland insurance company for you will depend on your priorities and budget. The following are some of the top Texas car insurance providers based on MoneyGeek's research:

  • Best overall: Texas Farm Bureau (MoneyGeek score 79 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Texas Farm Bureau (MoneyGeek score 81 out of 100)

A company's overall MoneyGeek score may vary depending on which category is being graded. USAA is MoneyGeek's top-rated option for military members and their families, with a score of 80 out of 100 overall.

Best Overall Car Insurance in Midland

After comparing rates, claims management processes and customer satisfaction scores, MoneyGeek selected the following as Midland’s top car insurance providers:

  • Texas Farm Bureau: MoneyGeek score 79 out of 100 ($648 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($592 per year)

Of the 11 service providers MoneyGeek reviewed, Texas Farm is the best due to its affordable rates and top-rated customer service.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Ranked #2 out of 11 for customer satisfaction

Ranked #2 out of 11 for affordability

Offers roadside assistance and rental reimbursement

cons

Does not offer OEM coverage or gap insurance

Claims management process can be improved

COMPANY HIGHLIGHTS

Texas Farm Bureau offers Midland, Texas, drivers a combination of affordable rates and excellent service, making it MoneyGeek’s best-ranked provider overall. Key coverage options include roadside assistance and rental reimbursement, which are useful for most drivers.

If your car is damaged in an accident and needs repairs, Texas Farm Bureau can help cover the cost of a rental car until your car is fixed. You customize your limits according to your needs as long as you already have collision and comprehensive coverage.

Another valuable feature is the 24-hour roadside assistance coverage that Texas Farm Bureau offers, with limits of up to $120 per incident. If you experience a dead battery or other mechanical issue, you can rely on Texas Farm Bureau to send out a tow truck or a mechanic to assist you.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Midland for Customer Service

The following companies, regardless of cost, are Midland's best car insurance providers based on MoneyGeek's criteria for customer satisfaction:

  • Chubb: MoneyGeek score 76 out of 100 ($1,309 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,326 per year)

Of 11 insurers, Chubb ranks second in customer satisfaction and first in claims management overall. However, its premiums are higher than average, indicating that policyholders pay more for quality service.

How was this MoneyGeek score calculated?

Chubb

pros

Effective claims management process

Few customer complaints

Provides OEM coverage and rental car coverage

cons

Does not offer better car replacement or deductible modification

COMPANY HIGHLIGHTS

Chubb is known for its high level of customer service and speedy claims management process. In addition to basic coverage options like rental car assistance, Chubb offers unique add-ons like OEM coverage and diminished value coverage.

In contrast to most insurers, Chubb pays the cost of original equipment manufacturer (OEM) components when your vehicle is repaired after a covered event. This is important if you prefer using high-quality original parts instead of generic or after-market parts. In case of an accident, the insurer will likewise cover the cost of transporting your vehicle to your chosen repair shop.

Chubb's rental car reimbursement coverage allows you to rent a vehicle identical to yours. It provides optional coverage levels of up to $5,000 with no per-day restriction. If you're traveling, Chubb also offers worldwide rental car coverage.

Best Cheap Car Insurance in Midland

MoneyGeek compared rates and customer reviews for policies that meet Texas' minimum car insurance requirements. The top options in Midland are the following:

  • Texas Farm Bureau: MoneyGeek score 81 out of 100 ($266 per year)
  • State Farm: MoneyGeek score 77 out of 100 ($277 per year)

Texas Farm Bureau provides affordable rates and helpful customer service for drivers in Midland. Keep in mind that, unlike full coverage policies, minimum coverage insurance offers limited liability protection and does not cover the cost of repairing damage to your vehicle.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

An affordable minimum coverage policy costs about $266 per year

Offers discounts for bundling policies, safety systems, and not filing claims

Out of 11 providers, ranks #1 for affordability and #2 for customer satisfaction

cons

No paperless discounts

Average claims handling score

COMPANY HIGHLIGHTS

If you're looking for minimum coverage for your vehicle, Texas Farm Bureau offers reasonable prices and great service. Most customers also report high levels of satisfaction, and Texas Farm Bureau has been ranked first by J.D. Power for 11 years in a row.

If you insure two or more cars with the company, bundle your home and auto insurance or have a factory-installed air bag or passive restraint system that complies with federal safety regulations, you may qualify for a discount. Texas Farm Bureau also rewards safe drivers by providing discounts if you don't file a claim in three years.

Unlike most providers, Texas Farm Bureau also offers discounts for installing an anti-theft system in your car.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Midland

The average annual cost of full coverage auto insurance in Midland is $1,037. This amount is $164 less than the average cost of vehicle insurance in Texas ($1,201)(as of October 2022) and $64 less than the average cost of auto insurance nationwide ($1,265). Location is one of many factors that affect insurance costs.

These premiums are for full coverage insurance with $100,000 in bodily injury liability protection per person, $300,000 in bodily injury liability protection per accident, and $100,000 in property damage protection.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.