Cheapest Auto Insurance in Odessa, Texas (2024)

Odessa drivers can find the cheapest rates with State Farm, which offers liability-only policies as low as $37 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 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.

Featured in

media logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Updated July 11, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Odessa, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $61/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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Odessa, Texas, is $186 a month — which is more than the national average of $160.

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, GEICO, and Allstate 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 $185 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 CompanyIQ 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 CoverageLiability OnlyBest for
State Farm9.3$65$37Discounts
GEICO9.0$71$40Bundling
Mile Auto7.5$114$55Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.3
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.
$37/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.
$65/mo

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

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for bundling: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$40/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.
$71/mo

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

Read more driver reviews of GEICO
Ashley - July 7, 2024
Verified

Overpriced and not based on driving record

I would not recommend Geico to anyone and would suggest considering other companies.

Pam - July 7, 2024
Verified

Great Insurance

Excellent.

Peggy - July 7, 2024
Verified

Great Company, Switched Only Due to Cost

They provide excellent service.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
A.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).
NR
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.
7.5/10
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.
$55/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.
$115/mo

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 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $106 per month in Odessa, according to Insurify data. The following table outlines the cheapest liability-only car insurance policies in Odessa.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$37
GEICO$40
Allstate$53
Mile Auto$55
Hugo$58
USAA$66
Nationwide$83
Mercury$85
Safeco$86
Midvale Home & Auto$98
Progressive$99
Dairyland$105
Chubb$114
Clearcover$114
National General$121
21st Century$131
Elephant$132
Direct Auto$133
Commonwealth Casualty$137
Liberty Mutual$137
The General$140
Bristol West$151
GAINSCO$159
State Auto$174
AssuranceAmerica$176
Infinity$196
Hallmark$197
Foremost$221
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $267 a month.

The next table gives a look at the lowest average rates for full-coverage policies in Odessa.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$65
GEICO$71
Allstate$92
Mile Auto$115
USAA$117
Clearcover$143
Mercury$143
Hugo$145
Nationwide$167
Progressive$173
Safeco$174
Midvale Home & Auto$180
Chubb$198
Elephant$222
21st Century$229
AssuranceAmerica$236
National General$260
Direct Auto$268
Dairyland$271
Liberty Mutual$280
The General$298
Bristol West$313
Infinity$315
State Auto$337
GAINSCO$349
Commonwealth Casualty$365
Foremost$462
Hallmark$464
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $37/mo for liability only and $61/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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage takes care of vehicle damages if you hit stationary objects or other vehicles.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage deals with damages stemming from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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?

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 $46 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $264 a month. If you have speeding tickets on your record, you may want to research the following Odessa insurance companies.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$37$48
GEICO$40$52
Allstate$53$69
Mile Auto$55$75
Hugo$58$79
USAA$66$85
Nationwide$83$109
Mercury$85$118
Safeco$86$113
Midvale Home & Auto$98$132
Progressive$99$129
Dairyland$105$137
Chubb$114$150
Clearcover$114$150
National General$121$157
21st Century$131$175
Elephant$132$188
Direct Auto$133$173
Commonwealth Casualty$137$195
Liberty Mutual$137$195
The General$140$184
Bristol West$151$195
GAINSCO$159$226
State Auto$174$245
AssuranceAmerica$176$232
Infinity$196$265
Hallmark$197$255
Foremost$221$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $285 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$37$51
GEICO$40$56
Allstate$53$74
Mile Auto$55$82
Hugo$58$78
USAA$66$92
Nationwide$83$116
Mercury$85$125
Safeco$86$116
Midvale Home & Auto$98$144
Progressive$99$140
Dairyland$105$145
Chubb$114$159
Clearcover$114$169
National General$121$169
21st Century$131$186
Elephant$132$180
Direct Auto$133$189
Commonwealth Casualty$137$187
Liberty Mutual$137$207
The General$140$198
Bristol West$151$207
GAINSCO$159$213
State Auto$174$264
AssuranceAmerica$176$244
Infinity$196$269
Hallmark$197$264
Foremost$221$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $322 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$37$63
GEICO$40$68
Allstate$53$91
Mile Auto$55$84
Hugo$58$88
USAA$66$113
Nationwide$83$142
Mercury$85$131
Safeco$86$147
Midvale Home & Auto$98$167
Progressive$99$169
Dairyland$105$179
Chubb$114$195
Clearcover$114$195
National General$121$207
21st Century$131$224
Elephant$132$225
Direct Auto$133$227
Commonwealth Casualty$137$234
Liberty Mutual$137$234
The General$140$239
Bristol West$151$258
GAINSCO$159$272
State Auto$174$297
AssuranceAmerica$176$301
Infinity$196$335
Hallmark$197$336
Foremost$221$377
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $135 a month for car insurance. This next table can help senior drivers find the cheapest car insurance in Odessa.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$47$27
GEICO$53$30
Allstate$70$40
Mile Auto$81$39
USAA$88$49
Hugo$97$39
Mercury$102$61
Clearcover$108$86
Progressive$116$66
Nationwide$117$58
Midvale Home & Auto$129$70
Safeco$134$66
Chubb$136$78
21st Century$160$92
Elephant$166$99
AssuranceAmerica$167$125
National General$190$89
Direct Auto$195$97
Dairyland$203$79
Liberty Mutual$212$104
Infinity$222$138
The General$228$107
Bristol West$235$114
State Auto$242$125
Commonwealth Casualty$272$102
GAINSCO$272$124
Hallmark$332$141
Foremost$339$162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $326 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$109$62
GEICO$111$62
Allstate$160$92
USAA$192$109
Mile Auto$221$106
Hugo$250$100
Mercury$257$153
Clearcover$275$219
Nationwide$283$141
Midvale Home & Auto$307$167
Progressive$309$177
Safeco$357$177
Elephant$362$215
Chubb$364$209
21st Century$379$217
AssuranceAmerica$434$323
Dairyland$447$173
The General$476$223
Direct Auto$483$240
National General$497$231
Liberty Mutual$509$249
Bristol West$527$254
Infinity$572$356
State Auto$592$306
GAINSCO$612$279
Commonwealth Casualty$638$239
Foremost$812$388
Hallmark$813$345
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Odessa

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $214 a month for full coverage and $105 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 $267 a month for full coverage and $106 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:

CityFull CoverageLiability Only
Arlington$255$127
Austin$243$129
Dallas$284$135
Fort Worth$245$121
Houston$324$170
Killeen$211$106
Lubbock$234$106
Midland$241$100
Plano$244$125
San Antonio$245$123
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $267 a month for full coverage and $106 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 $37 per month. GEICO and Allstate are the city's second- and third-cheapest insurers, with liability-only rates as low as $40 and $53, 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 $119 a month for liability only and $250 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Federal Bureau of Investigation. "TEXAS Offenses Known to Law Enforcement by City, 2019."
  2. Texas Department of Transportation. "Crashes and Injuries: Cities and Towns 202."
  3. Texas Department of Insurance. "Credit Scoring and Insurance."
  4. Texas Department of Insurance. "Auto insurance guide."
  5. Texas Department of Transportation. "Crash Contributing Factors: 2022."
  6. III. "Senior driving safety and insurance tips."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all