Cheapest Auto Insurance in Odessa, Texas (2026)
Odessa drivers can find the cheapest rates with State Farm, which offers liability-only policies as low as $58 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
The average cost of car insurance in Odessa, Texas, is $166 a month — which is more than the national average of $136.
Many factors affect car insurance premiums, such as weather, traffic patterns, and crime rates. Odessa experiences a relatively large number of car thefts and accidents compared to its population and size, which can contribute to its more expensive car insurance rates.[1] [2]
Here’s what you need to know about getting cheap car insurance in Odessa, Texas.
Quick Facts
State Farm, Mile Auto, and Progressive have the cheapest car insurance rates in Odessa.
The average cost of car insurance in Odessa is on par with the Texas average rate of $163 a month.
Auto insurers in Texas can use your credit history to determine car insurance premiums.[3]
3 of the cheapest car insurance companies in Odessa
Before diving into which car insurance companies offer the cheapest rates in Odessa, it’s important to note that the lowest price may not correlate with the best policy for your needs. You should choose a company that’s reliable, has the features you need, and can offer you the right amount of coverage for the best price.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $57 | Discounts |
| GEICO | 9.2 | $181 | $95 | Bundling |
| Mile Auto | 8.8 | $157 | $74 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
4.0
Best choice in Odessa, TXBased on 15,861 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Odessa for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Odessa for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Odessa drivers - See all 7,186 State Farm reviews
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
Barbara
Verified Review
Not a Good Proposal
Reviewed in Texas on February 26, 2026
They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.
Troy
Verified Review
Too High
Reviewed in Texas on February 24, 2026
State Farm is not good; they increased my rates for no reason.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Odessa residents have to watch their budgets carefully, thanks to the high cost of living in this Texas city. To help keep auto insurance spending low, drivers will appreciate that State Farm offers some of the lowest average premiums in the city, as well as various discounts.
You can get a discount for getting good grades, taking defensive driving lessons, installing safety features in your car, and more to help you save on your auto insurance premiums. You can also save by bundling your auto insurance policy with one of State Farm’s many insurance products, like renters, home, and life insurance.
Pros
No. 2 in J.D. Power’s 2023 U.S. Auto Insurance Study in Texas
Multiple available discounts
Cons
Doesn’t offer gap insurance
Quotes not available online
Best insurer for bundling: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $181/mo |
3.9
A solid option in Odessa, TXBased on 16,091 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Odessa for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Odessa for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Odessa drivers - See all 7,430 GEICO reviews
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
Garry
Verified Review
So disappointed
Reviewed in Texas on February 24, 2026
After being with Geico for five years with no claims or accidents, they almost doubled our rates. They are about the money, not the customers.
Debra
Verified Review
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
Reviewed in Texas on February 21, 2026
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Amid rising prices, drivers have a lot of expenses, and it makes sense to try to cut costs where possible. Whether you rent or own your home, bundling renters or homeowners insurance with car insurance from one company can be convenient and financially beneficial. With GEICO, you can bundle your auto insurance policy with a condo, renters, homeowners, or mobile home insurance policy.
Your job can also help you save with GEICO. Military members, federal employees, and workers at more than 500 different employers can all qualify for extra savings on their car insurance premiums.
Pros
Popular mobile app
24/7 customer service
Cons
Gap insurance not available
Doesn’t offer rideshare insurance
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $157/mo |
4.5
Best choice in Odessa, TXBased on 189 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Odessa for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Odessa for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing 4 Texas reviews for Odessa drivers - See all 65 Mile Auto reviews
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Johnny
Verified Purchase
Mile Auto has been good
Reviewed in Texas on November 25, 2025
So far, it's been a smooth ride. They have answered questions and helped with adding vehicles. Seems to be a good insurance group.
Irma
Verified Purchase
Mike Auto is for Real
Reviewed in Texas on March 21, 2025
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
Irma
Verified Purchase
Response Time
Reviewed in Texas on March 19, 2025
I would prefer to have my problems solved before the three days they state as their response time.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
No commute? Working from home can save you a lot on gas and vehicle maintenance. And with the right car insurance company, working from home can also help you save on car insurance. Mile Auto offers pay-per-mile policies in which you spend less when you don’t drive that often. All you have to do to qualify for savings is take a picture of your car’s odometer once a month.
Pros
Doesn’t require a telematics device
Offers online quotes
Cons
Bad for long commutes
No J.D. Power rankings available
How to get the cheapest car insurance in Odessa
If you’re looking to save on your car insurance policy in Odessa, here are some money-saving tips that can help you find cheap car insurance:
Compare quotes. To find the best policy that suits your needs and budget, start by comparing quotes from multiple insurance companies. The cheapest auto insurance company for you offers the lowest rate for the coverage you want.
Bundle multiple policies. If you already have another form of insurance — such as homeowners insurance, renters insurance, or life insurance — from an insurer, check if that insurance company also offers auto insurance. Many companies provide bundling discounts for customers with multiple policies.
Choose the right car. Choose a less expensive car, as they’re cheaper to repair and replace, resulting in lower insurance claims. This choice can lead to significant savings on your car insurance premium.
Find Cheap Car Insurance in Odessa, Texas
Check quotes from 120+ top insurance companies
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Cheapest liability-only car insurance in Odessa: State Farm
Liability-only car insurance provides coverage for damages you cause to others in an accident. It covers their medical expenses and property damage. It doesn’t cover your own car. Drivers often choose this type of coverage when they drive older or less valuable vehicles.
Liability-only coverage, also called minimum coverage, averages $109 per month in Odessa, according to Insurify data. The following table outlines the cheapest liability-only car insurance policies in Odessa.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| Mile Auto | $74 |
| Progressive | $80 |
| Allstate | $81 |
| GEICO | $96 |
| USAA | $104 |
| Mercury | $113 |
| Dairyland | $122 |
| Root | $122 |
| The General | $124 |
| Commonwealth Casualty | $124 |
| Bristol West | $126 |
| GAINSCO | $129 |
| Nationwide | $130 |
| AssuranceAmerica | $135 |
| Clearcover | $136 |
| Sun Coast | $139 |
| Safeco | $143 |
| Direct Auto | $147 |
| National General | $147 |
| Elephant | $151 |
| Chubb | $176 |
| 21st Century | $203 |
| Liberty Mutual | $265 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Odessa: State Farm
The main difference between liability-only and full-coverage car insurance is what they protect. Liability insurance covers damages you cause to others, while full-coverage also includes protection for your own vehicle.
Full coverage is beneficial for drivers with newer or high-value cars, as it provides comprehensive protection in case of accident, theft, or natural disaster. In Odessa, the average cost of full-coverage car insurance is $224 a month.
The next table gives a look at the lowest average rates for full-coverage policies in Odessa.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $102 |
| Progressive | $138 |
| Allstate | $143 |
| Mile Auto | $157 |
| Mercury | $172 |
| USAA | $181 |
| GEICO | $181 |
| Root | $210 |
| Safeco | $216 |
| Clearcover | $222 |
| Direct Auto | $225 |
| Nationwide | $227 |
| Elephant | $238 |
| The General | $241 |
| Bristol West | $252 |
| National General | $252 |
| GAINSCO | $259 |
| Sun Coast | $264 |
| AssuranceAmerica | $278 |
| Commonwealth Casualty | $291 |
| Chubb | $308 |
| Liberty Mutual | $342 |
| Dairyland | $347 |
| 21st Century | $355 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Odessa, Texas
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $82/mo for full coverage in Odessa and other Texas cities.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
In most states, including Texas, liability car insurance coverage is mandatory. Texas, being an at-fault state, requires Odessa drivers to have a certain level of liability insurance to cover damage and medical expenses for other parties in accidents they cause.
These are the minimum-coverage requirements in Texas:[4]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
While you must maintain the minimum coverage levels in Texas, you have the option to enhance your auto insurance policy with the following additional coverages:
Collision coverage
Collision coverage takes care of vehicle damages if you hit stationary objects or other vehicles.
Comprehensive coverage
Comprehensive coverage deals with damages stemming from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.
Glass coverage
Don’t overlook the significance of glass protection, which includes windshield and glass damage, and potentially provides no-deductible coverage for side windows, rear windows, and glass sunroofs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage steps in when an uninsured or inadequately insured driver is responsible for an accident, covering your damages and injuries.
Gap coverage
If you financed or leased your vehicle, gap insurance covers the difference between your auto loan balance and the insurance settlement in case of a total loss.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
Finding the most affordable car insurance when you have incidents on your driving record — such as speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations — is a top priority. Incidents raise insurance rates due to the increased risk they signal to car insurance companies. Insurance companies view drivers with incidents as more likely to file claims, which results in higher premiums.
Shop for Car Insurance in Odessa, TX
Rates start at $71 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets can significantly affect your car insurance rates due to the increased risk they signal to insurance companies. When you receive a speeding ticket, it suggests a tendency to engage in risky behavior behind the wheel, which makes you more likely to be involved in accidents. Insurance companies adjust your rates to compensate for this higher risk, potentially leading to higher premiums. Multiple tickets or severe violations may result in even steeper rate increases.
The overall average rate for drivers with a speeding ticket in the city is $206 a month. If you have speeding tickets on your record, you may want to research the following Odessa insurance companies.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $58 | $73 |
| Mile Auto | $74 | $90 |
| Progressive | $80 | $99 |
| Allstate | $81 | $105 |
| GEICO | $96 | $125 |
| USAA | $104 | $134 |
| Mercury | $113 | $157 |
| Dairyland | $122 | $151 |
| Root | $122 | $162 |
| The General | $124 | $165 |
| Commonwealth Casualty | $124 | $146 |
| Bristol West | $126 | $158 |
| GAINSCO | $129 | $153 |
| Nationwide | $130 | $168 |
| AssuranceAmerica | $135 | $171 |
| Clearcover | $136 | $176 |
| Sun Coast | $139 | $173 |
| Safeco | $143 | $188 |
| Direct Auto | $147 | $183 |
| National General | $147 | $182 |
| Elephant | $151 | $180 |
| Chubb | $176 | $223 |
| 21st Century | $203 | $266 |
| Liberty Mutual | $265 | $336 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents can significantly affect your car insurance rates because they indicate a higher risk of future claims. When you’re responsible for an accident, auto insurance companies see you as a more accident-prone driver.
To cover the potential cost of your future claims, insurers may increase your premiums. With an at-fault accident, car insurance costs an overall average of $218 a month in Odessa.
This table outlines the insurance companies that offer the lowest rates for drivers with accidents on their records in Odessa.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $58 | $76 |
| Mile Auto | $74 | $99 |
| Progressive | $80 | $105 |
| Allstate | $81 | $108 |
| GEICO | $96 | $124 |
| USAA | $104 | $139 |
| Mercury | $113 | $170 |
| Dairyland | $122 | $160 |
| Root | $122 | $162 |
| The General | $124 | $170 |
| Commonwealth Casualty | $124 | $163 |
| Bristol West | $126 | $165 |
| GAINSCO | $129 | $164 |
| Nationwide | $130 | $174 |
| AssuranceAmerica | $135 | $179 |
| Clearcover | $136 | $197 |
| Sun Coast | $139 | $183 |
| Safeco | $143 | $199 |
| Direct Auto | $147 | $200 |
| National General | $147 | $195 |
| Elephant | $151 | $196 |
| Chubb | $176 | $232 |
| 21st Century | $203 | $274 |
| Liberty Mutual | $265 | $352 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Alcohol and drugs were a factor in more than 22,000 car crashes in Texas in 2022.[5] DUIs significantly affect your car insurance rates because they signify a high level of risk. When you have a DUI conviction, insurance companies perceive you as a driver with impaired judgment and consider you more likely to be involved in accidents.
To cover the potential costs of these accidents, insurance companies increase your premiums substantially. Additionally, some insurers may even choose not to renew your policy.
Car insurance costs are an overall average of $228 a month for drivers in Odessa with a DUI. Review the following table to see which auto insurance companies tend to offer the lowest rates to drivers with DUIs.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $58 | $82 |
| Mile Auto | $74 | $105 |
| Progressive | $80 | $110 |
| Allstate | $81 | $115 |
| GEICO | $96 | $136 |
| USAA | $104 | $148 |
| Mercury | $113 | $169 |
| Dairyland | $122 | $173 |
| Root | $122 | $175 |
| The General | $124 | $176 |
| Commonwealth Casualty | $124 | $176 |
| Bristol West | $126 | $179 |
| GAINSCO | $129 | $183 |
| Nationwide | $130 | $185 |
| AssuranceAmerica | $135 | $192 |
| Clearcover | $136 | $193 |
| Sun Coast | $139 | $191 |
| Safeco | $143 | $218 |
| Direct Auto | $147 | $209 |
| National General | $147 | $209 |
| Elephant | $151 | $215 |
| Chubb | $176 | $250 |
| 21st Century | $203 | $273 |
| Liberty Mutual | $265 | $377 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates tend to decrease around age 35 as you gain experience and maintain a good driving record. However, rates start to increase around age 75 due to factors like reduced reaction times and increased vulnerability to accidents.[6] Insurance companies view older drivers as a slightly higher risk, resulting in an uptick in premiums.
On average, senior drivers in Odessa pay $141 a month for car insurance. This next table can help senior drivers find the cheapest car insurance in Odessa.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $80 | $45 |
| Allstate | $115 | $65 |
| Progressive | $117 | $68 |
| Mile Auto | $122 | $58 |
| Mercury | $136 | $90 |
| GEICO | $143 | $76 |
| USAA | $146 | $84 |
| Nationwide | $172 | $99 |
| Root | $174 | $101 |
| Direct Auto | $180 | $118 |
| Safeco | $187 | $124 |
| Clearcover | $193 | $118 |
| Elephant | $195 | $124 |
| National General | $196 | $115 |
| The General | $201 | $103 |
| Bristol West | $208 | $104 |
| AssuranceAmerica | $215 | $105 |
| GAINSCO | $218 | $109 |
| Sun Coast | $224 | $118 |
| Chubb | $231 | $132 |
| Commonwealth Casualty | $232 | $99 |
| 21st Century | $277 | $158 |
| Liberty Mutual | $284 | $220 |
| Dairyland | $292 | $103 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers often face considerably higher car insurance rates than adults due to their limited driving experience and the higher risk associated with young drivers. Inexperienced teens are more prone to accidents, leading insurance companies to charge more for premiums. On average, teens and young drivers pay $328 a month for car insurance in Odessa.
However, teenagers can still get affordable car insurance. One effective approach is staying on a parent’s insurance policy, benefitting from their parent’s established driving history. Opting for a safe, reliable car with advanced safety features can also help lower premiums. Additionally, maintaining good grades can lead to a good student discount, reducing insurance costs for responsible students.
These auto insurance companies offer the lowest average rates for teen drivers in Odessa.
The below rates in Odessa, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $206 | $117 |
| Progressive | $272 | $158 |
| Allstate | $294 | $167 |
| Mercury | $332 | $218 |
| Mile Auto | $336 | $158 |
| GEICO | $338 | $179 |
| USAA | $349 | $201 |
| Root | $379 | $220 |
| Clearcover | $382 | $234 |
| Elephant | $438 | $278 |
| The General | $441 | $227 |
| Direct Auto | $451 | $295 |
| Safeco | $453 | $300 |
| Nationwide | $462 | $265 |
| Bristol West | $470 | $235 |
| GAINSCO | $494 | $246 |
| Sun Coast | $521 | $274 |
| National General | $531 | $309 |
| Commonwealth Casualty | $564 | $240 |
| AssuranceAmerica | $599 | $291 |
| Dairyland | $616 | $217 |
| Liberty Mutual | $630 | $488 |
| Chubb | $662 | $378 |
| 21st Century | $668 | $382 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
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Odessa car insurance quotes by credit tier
In the state of Texas, car insurance companies are allowed to take your credit history into account when determining rates.[3] The higher your credit score is, the less you tend to pay for car insurance. Drivers with good and excellent credit scores usually pay less for car insurance than drivers with poor credit scores.
In Odessa, this is how average car insurance rates vary based on credit score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Odessa?
The nationwide average cost for a car insurance policy is $173 a month for full coverage and $99 for a liability-only policy. Unfortunately, you should plan to spend a bit more than that if you live in Odessa.
Drivers in Odessa can expect to spend an average of $224 a month for full coverage and $109 for liability-only coverage. The exact ZIP code you live in causes variations in how much you spend on car insurance thanks to factors like weather, crime rates, and traffic patterns.
More cities in Texas
Here’s how other Texas cities’ average rates compare to Odessa’s car insurance rates:
City | Full Coverage | Liability Only |
|---|---|---|
| Arlington | $215 | $128 |
| Austin | $209 | $128 |
| Dallas | $238 | $135 |
| Fort Worth | $210 | $119 |
| Houston | $270 | $170 |
| Killeen | $192 | $108 |
| Lubbock | $209 | $106 |
| Midland | $205 | $106 |
| Plano | $206 | $126 |
| San Antonio | $218 | $128 |
Disclaimer: Table data sourced from real-time Odessa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Odessa may vary based on the policy buyer's unique driver profile.
Odessa car insurance FAQs
Learn about how long a DUI can stay on your record, and check out Insurify’s answers to common questions about car insurance in Odessa below.
How much is car insurance in Odessa, Texas?
The average cost of car insurance in Odessa is $224 a month for full coverage and $109 for liability only.
Which company has the cheapest car insurance in Odessa?
State Farm offers the cheapest rates for Odessa drivers, with minimum-coverage policies starting at $58 per month. Mile Auto and Progressive are the city's second- and third-cheapest insurers, with liability-only rates as low as $74 and $80, respectively.
What are the best car insurance companies in Odessa?
The best car insurance companies in Odessa include State Farm and GEICO. These insurers have solid Insurify Quality (IQ) Scores, high J.D. Power rankings, and strong AM Best ratings. This is just a starting point for your own car insurance research, however. You should always compare quotes and research company reputations to find the best insurer for your needs.
How much is car insurance in Texas per month?
Car insurance in Texas costs an average of $118 a month for liability only and $208 a month for full coverage.
What’s the minimum car insurance in Texas?
Texas requires 30/60/25 liability insurance limits. This translates to $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 per accident for property damage liability coverage.[4]
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Federal Bureau of Investigation. "TEXAS Offenses Known to Law Enforcement by City, 2019."
- Texas Department of Transportation. "Crashes and Injuries: Cities and Towns 202."
- Texas Department of Insurance. "Credit Scoring and Insurance."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Transportation. "Crash Contributing Factors: 2022."
- III. "Senior driving safety and insurance tips."
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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