120+ more*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on April 6, 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 April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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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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The average cost of car insurance in Odessa for state-minimum coverage is $103 per month, while full coverage averages $228 per month. Odessa has higher rates than its “twin” city, Midland, and the nearby cities of Lubbock and Big Spring.
Odessa has roughly 2,240 people per square mile, according to U.S. Census Bureau data.[1] That’s more than 20 times the Texas average, which means more vehicles share the road.
Along with high vehicle theft rates, the city also experiences severe weather, including flooding and hailstorms[2] These factors all drive up car insurance costs in Texas, as well as in Odessa.
Texas car insurance requirements include 30/60/25 liability coverage. This means you must have at least $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage liability.
Texas auto policies automatically include personal injury protection (PIP), but you can decline it in writing.
Liability insurance in Odessa averages $103 per month, with full coverage averaging $228 per month. In comparison, the state average for liability insurance is $117 per month and $208 per month for full coverage.
You may find the most affordable rates in Odessa from State Farm, with liability-only coverage averaging $53 per month.
The table below shows insurers with the cheapest rates for liability car insurance in Odessa.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| Allstate | $75 |
| Mile Auto | $76 |
| Progressive | $80 |
| GEICO | $87 |
| USAA | $96 |
| Mercury | $107 |
| First Acceptance | $112 |
| The General | $113 |
| Alinsco | $117 |
| Freedom National | $119 |
| Lone Star | $119 |
| Nationwide | $120 |
| Dairyland | $122 |
| Commonwealth Casualty | $123 |
| GAINSCO | $126 |
| Clearcover | $127 |
| Root | $127 |
| Bristol West | $128 |
| Mendota | $130 |
| Covercube | $131 |
| AssuranceAmerica | $136 |
| Safeco | $143 |
| Direct Auto | $144 |
| Sun Coast | $144 |
| National General | $146 |
| Loop | $150 |
| Elephant | $152 |
| Chubb | $162 |
| Trexis One | $164 |
| 21st Century | $187 |
| Liberty Mutual | $230 |
Odessa, located in West Texas, lies in the Permian Basin, which can experience hailstorms and damaging winds. In June 2017, a storm that produced softball-size hail and winds of up to 100 miles per hour struck Odessa.[3]
If your insurance policy lacks comprehensive coverage, you’ll have to pay repair costs from hail or wind damage out of pocket.
Full coverage in Odessa averages $228 per month. This is higher than the state average of $208 per month and neighboring Midland’s monthly average of $208.
State Farm offers some of the lowest average rates. You can compare quotes for cheap full-coverage car insurance in Odessa below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $109 |
| Allstate | $153 |
| Progressive | $154 |
| Mile Auto | $169 |
| Mercury | $177 |
| GEICO | $190 |
| USAA | $193 |
| Root | $216 |
| Safeco | $218 |
| Clearcover | $227 |
| Alinsco | $234 |
| Direct Auto | $234 |
| Elephant | $241 |
| Nationwide | $242 |
| GAINSCO | $251 |
| National General | $251 |
| Bristol West | $254 |
| The General | $263 |
| Mendota | $264 |
| AssuranceAmerica | $272 |
| First Acceptance | $281 |
| Commonwealth Casualty | $283 |
| Loop | $286 |
| Sun Coast | $288 |
| Lone Star | $291 |
| Dairyland | $307 |
| Covercube | $315 |
| Freedom National | $320 |
| Chubb | $328 |
| Liberty Mutual | $345 |
| Trexis One | $348 |
| 21st Century | $378 |
Drivers in Odessa pay slightly less for liability insurance and slightly more for full coverage than the state average. Premiums are higher than in nearby Big Spring and El Paso but lower than in Houston and Dallas.
El Paso’s lower vehicle theft rate contributes to its more affordable premiums. Odessa drivers pay higher premiums because the city has one of the highest per-capita theft rates in the nation.
Meanwhile, drivers in Houston and Dallas pay higher premiums due to higher population density and accident frequency.
The table below shows how average monthly car insurance rates in Odessa compare with those in other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $131 |
| Amarillo | $158 |
| Arlington | $171 |
| Austin | $170 |
| Beaumont | $180 |
| Brownsville | $165 |
| Corpus Christi | $171 |
| Dallas | $187 |
| Denton | $161 |
| El Paso | $144 |
| Fort Worth | $164 |
| Galveston | $168 |
| Garland | $187 |
| Grand Prairie | $177 |
| Houston | $222 |
| Huntsville | $156 |
| Irving | $176 |
| Killeen | $151 |
| Laredo | $159 |
| Lubbock | $154 |
| McAllen | $175 |
| Mesquite | $187 |
| Midland | $152 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
Get a minimum-coverage quote in two minutes, buy a policy in four
Odessa ranks No. 13 in the country for vehicle theft, according to Insurify data, with about 184 thefts per 100,000 people in the first half of 2025. Higher theft rates increase insurers’ risk, leading to more expensive premiums.
Severe weather also contributes to Odessa’s higher average cost of auto insurance. In 2025, storms produced hail of up to three inches in diameter and flooded roadways across the Odessa-Midland area, stranding multiple vehicles.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on April 6, 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 April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Odessa, 83% of residents drive to work alone each day, based on U.S. Census Bureau data. This puts more drivers on the road, increasing the risk of tickets and accidents. Getting a single ticket or having an at-fault accident affects how much you pay for insurance coverage in Odessa.
See below for the insurers offering the cheapest liability insurance by driving record.
Cheapest car insurance for Odessa drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Odessa: State Farm
Cheapest car insurance for Odessa drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DWI in Odessa: State Farm
More than 3% of Odessa drivers have a ticket on their record, while fewer than 1% have a driving while intoxicated (DWI) conviction, according to Insurify data. In Texas, a first DWI offense can result in a $2,000 fine, up to 180 days in jail, and a one-year driver’s license suspension. Penalties increase for second and third offenses.
In 2024 alone, the Texas Department of Transportation (TxDOT) recorded 3,584 car accidents in Odessa.[4] Because Texas is an at-fault state, your liability insurance covers the other driver’s damages if you cause an accident. As a result, an at-fault accident may also affect your car insurance rates.
Your insurance may also apply if someone borrows your car and has an accident. Below is a comparison of car insurance quotes in Odessa based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $166 |
| Speeding ticket | $207 |
| At-fault accident | $218 |
| DWI | $228 |
Dust storms in Odessa can reduce visibility to one to three miles in late winter and early spring. If you’re driving in one, the National Weather Service recommends pulling off the road as far as possible, switching off your lights, and keeping your foot away from the brake.
The Texas Department of Insurance estimates 12% of the state’s registered vehicles — more than 2.4 million — are uninsured.[5] An at-fault driver without insurance may not be able to cover your damages.
For this reason, you may want to consider uninsured motorist coverage and collision coverage — especially if you can’t afford to replace your car out of pocket.
Another factor to be aware of when you’re driving in Odessa is ongoing roadwork. TxDOT’s four-year project schedule includes planned improvements on Interstate 20 and Loop 338 in Ector County. Plan for active construction in this area, including potential lane shifts and delays along the corridor.
Odessa is an oilfield city, and I-20 and Loop 338 see heavy commercial truck traffic. The growing energy sector has led to increased congestion, car accidents, and fatalities on local roadways, according to TxDOT.
Odessa drivers have an average commute time of about 22 minutes, according to the U.S. Census Bureau, which is slightly less than the Texas average of almost 27 minutes. Shorter commutes reduce exposure to accidents and may lead to lower premiums than in larger metro areas.
But commute time is only one factor affecting insurance rates. On certain weekends and major holidays, the Odessa Police Department may enforce a “no-refusal” policy.
A suspected impaired driver must submit to a blood draw if served with a search warrant. This may lead to a DUI arrest and a high-risk driver insurance designation.
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Car accidents are one of the leading causes of teen deaths. In 2022, 51% of Texas teens killed in a fatal crash weren’t wearing a seat belt, according to TxDOT.[6]
With their limited driving history, teen drivers in Odessa typically pay higher auto insurance premiums than experienced drivers, averaging $203 per month for liability insurance.
State Farm and Allstate offer the lowest rates for teen drivers in Odessa, on average.
The table below compares rates from the cheapest liability-only car insurers for teen drivers in Odessa.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $107 |
| Allstate | $154 |
| Progressive | $158 |
| GEICO | $162 |
| Mile Auto | $163 |
| USAA | $185 |
| Mercury | $207 |
| The General | $207 |
| Clearcover | $219 |
| Dairyland | $219 |
| First Acceptance | $221 |
| Root | $229 |
| Alinsco | $231 |
| Freedom National | $235 |
| Lone Star | $235 |
| Commonwealth Casualty | $238 |
| Bristol West | $239 |
| GAINSCO | $240 |
| Nationwide | $244 |
| Mendota | $256 |
| Covercube | $258 |
| Elephant | $281 |
| Sun Coast | $284 |
| Direct Auto | $288 |
| AssuranceAmerica | $293 |
| Loop | $296 |
| Safeco | $300 |
| National General | $307 |
| Trexis One | $323 |
| Chubb | $348 |
| 21st Century | $352 |
| Liberty Mutual | $423 |
More than 10% of Odessa’s population is aged 65 or older, according to U.S. Census Bureau data. Senior drivers typically pay some of the city’s lowest car insurance rates, averaging $88 per month for liability only.
Odessa seniors may find some of the cheapest liability-only rates with State Farm and Mile Auto.
The table below shows insurers with the cheapest liability-only insurance in Odessa for seniors aged 60 and older.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| Mile Auto | $59 |
| Allstate | $60 |
| Progressive | $68 |
| GEICO | $69 |
| USAA | $77 |
| Mercury | $85 |
| Nationwide | $91 |
| The General | $94 |
| First Acceptance | $95 |
| Commonwealth Casualty | $98 |
| Alinsco | $100 |
| Freedom National | $101 |
| Lone Star | $101 |
| Dairyland | $102 |
| AssuranceAmerica | $105 |
| Root | $105 |
| Bristol West | $106 |
| GAINSCO | $106 |
| Clearcover | $111 |
| Covercube | $111 |
| Mendota | $111 |
| National General | $114 |
| Direct Auto | $115 |
| Chubb | $121 |
| Sun Coast | $122 |
| Safeco | $124 |
| Elephant | $125 |
| Loop | $128 |
| Trexis One | $140 |
| 21st Century | $146 |
| Liberty Mutual | $191 |
Whether you’re a new Odessa resident or simply shopping for a better rate, the answers to frequently asked questions can help you find the best car insurance in Odessa.
The average monthly cost of car insurance in Odessa is $103 for liability-only coverage and $228 for full coverage. Premiums for you vary based on your location in Odessa, age, vehicle type, insurance needs, and driving and credit history.
State Farm offers the cheapest car insurance in Odessa, on average. That said, the cheapest insurance company varies by driver, so it’s important to compare rates from multiple insurers.
Although rates vary by driver, Progressive tends to offer lower average premiums in Odessa than GEICO for both full-coverage and liability-only insurance. Progressive may also be a better fit if you prefer access to local insurance agents, since GEICO focuses on direct sales.
Several factors affect car insurance rates in Odessa. Higher population density, higher vehicle theft rates, and severe weather all contribute to higher auto premiums.
You may be able to save on your car insurance in Odessa by shopping around, bundling your auto and home insurance, and asking about car insurance discounts. Check with an online comparison site for a free quote or visit an insurance agency to help you find the right coverage.
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:
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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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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.
Featured in
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