Midland, TX
Insuring your car and home in Midland, TX
How Midland households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Midland drivers commuting alone at a rate of 79% and homeowners making up 65% of households. Here is what that means for auto and home coverage in a city of about 143,687.
Midland commuting and vehicle data
| Measure | Midland | Texas |
|---|---|---|
| Drive alone to work | 79% | 71% |
| Carpool | 12% | 10% |
| Work from home | 6% | 14% |
| Commute of 45 minutes or more | 8% | 17% |
| Commute under 15 minutes | 35% | 25% |
| Households with no vehicle | 5% | 5% |
| Households with 3 or more vehicles | 23% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are shorter in Midland than statewide: 8% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Midland workers telecommute (6%) than the state average, which means more cars on the road at rush hour.
In Midland, 5% of households live without a car while 23% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
The Midland homeowners picture
The median owner-occupied home in Midland is valued at $319,200, and half of the city's homes were built before 1989. The Texas median value is $283,800. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Texas HO-3 policyholders with $300,000–$324,999 of dwelling coverage paying an average of $2,479; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Texas auto minimums that apply in Midland
Texas requires liability limits of at least 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Those are floors; with Midland's median home value at $319,200, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Midland
Most Midland homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Weather and road risks around Midland
Around Midland, two exposures stand out: Gulf hurricanes near the coast and large hail. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
Neighboring cities and Midland
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. In San Antonio, 52% own their home and 18% of households have three or more vehicles. Dallas: 67% drive alone, 14% commute 45+ minutes, median home $320,700. For share of 45-minute-plus commutes, Midland is 22nd of 30 Texas cities on this site.
What to have ready for a Midland quote
- Your Midland address, square footage, and year built
- Lender name and loan number
- Recent claims or violations
- Drivers' names and dates of birth
- When the roof was replaced
- Liability limits you want
Midland auto and home insurance FAQ
What auto insurance is required in Midland?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
How long are commutes in Midland?
About 8% of Midland workers commute 45 minutes or more and 35% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Midland?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Midland
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research