Updated: November 13, 2025
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Progressive offers the cheapest car insurance in Norman at $374 per year for minimum coverage and $1,222 per year for full coverage. Other insurers serving Norman include American Farmers & Ranchers, Mercury Insurance and State Farm.
Norman drivers pay an average of $675 per year for minimum coverage and $1,688 per year for full coverage.
Progressive also offers the cheapest car insurance in Oklahoma at $343 per year for minimum coverage and $1,156 per year for full coverage.
Progressive delivers Norman's cheapest minimum coverage at $374 per year, 45% below the city average of $675. Full coverage costs $1,222 annually with Progressive versus Norman's average of $1,688.
Mercury Insurance offers competitive pricing at $468 for minimum coverage and $1,407 for full coverage. Progressive's rates save Norman drivers approximately $25 monthly for minimum coverage compared to typical city premiums.
| State Farm | $43 | $98 | -41% |
| GEICO | $55 | $115 | -30% |
| AAA | $62 | $127 | -22% |
| Mercury | $58 | $133 | -21% |
| Germania Insurance | $82 | $165 | 2% |
Adult drivers in Norman secure the lowest rates at $374 annually with Progressive. Senior drivers pay $518 per year with Progressive. Young drivers face costs of $773 annually with American Farmers & Ranchers, more than double adult rates.
Progressive leads for both adult and senior drivers, while American Farmers & Ranchers provides the best option for young drivers. Norman's relatively affordable base rates make it easier to find budget-friendly coverage even for higher-risk age groups.
Young drivers in Odessa can secure the lowest premiums from GEICO and State Farm, with monthly rates beginning at $97 and $99. These insurers price more competitively for drivers ages 16 to 25, a group that typically pays higher premiums due to limited experience and Odessa’s elevated claim activity along major roadways. Their strong pricing helps younger motorists find reliable coverage despite the city’s higher risk indicators.
| Geico | $97 | $1,162 | -44% |
| State Farm | $99 | $1,182 | -43% |
| AAA | $142 | $1,704 | -18% |
| Allstate | $163 | $1,960 | -6% |
| Germania Insurance | $168 | $2,018 | -3% |
Adult drivers between ages 26 and 64 receive the cheapest auto insurance in Odessa from State Farm, which averages $43 per month, or about 42 percent less than the city average. GEICO and AAA also offer strong affordability for adults with consistent driving histories. These insurers maintain stable pricing across Odessa ZIP codes, where traffic exposure and repair costs can contribute to higher baseline premiums among other carriers.
| State Farm | $43 | $518 | -42% |
| Geico | $55 | $661 | -25% |
| Mercury Insurance | $58 | $692 | -22% |
| AAA | $62 | $741 | -16% |
| Farmers | $74 | $887 | 0% |
Seniors in Odessa benefit most from State Farm, which provides minimum coverage at $50 per month ($604 annually) and full coverage at $111 per month ($1,330 annually). State Farm’s competitive pricing for older drivers reflects its strong performance in Texas markets, where claim severity, vehicle repair costs, and frequency patterns often increase premium pressure for other insurers as drivers age.
| State Farm | $50 | $604 | -47% |
| Geico | $73 | $871 | -23% |
| AAA | $85 | $1,015 | -10% |
| Germania Insurance | $87 | $1,043 | -8% |
| Allstate | $108 | $1,291 | 14% |
High-risk drivers in Odessa, including those with DUIs, at-fault accidents, speeding violations, or poor credit, can still find reasonable pricing through GEICO and State Farm. These carriers remain the most affordable in categories where many insurers raise premiums sharply due to Odessa’s higher accident rates and elevated loss costs on regional highways.
Drivers with bad credit in Odessa get the lowest premiums from GEICO, which charges $80 per month for minimum coverage and $192 per month for full coverage. These rates reflect GEICO’s more flexible credit-based pricing compared to other insurers, which often adjust premiums sharply in response to Odessa’s above-average claim costs and regional risk factors.
| Geico | $80 | $956 | -53% |
| Allstate | $107 | $1,284 | -36% |
| Dairyland | $121 | $1,455 | -28% |
| Chubb | $136 | $1,627 | -19% |
| Germania Insurance | $136 | $1,637 | -19% |
For drivers with a DUI, State Farm offers the cheapest auto insurance in Odessa, with premiums about 39 percent below the city average for minimum coverage. State Farm’s rating approach makes it one of the few major insurers that remain reasonably priced after a serious violation, even as other companies increase rates significantly due to heightened risk scoring and loss trends in West Texas.
| State Farm | $70 | $844 | -39% |
| Mercury Insurance | $78 | $937 | -32% |
| Farmers | $84 | $1,005 | -27% |
| Geico | $96 | $1,152 | -17% |
| AAA | $96 | $1,155 | -17% |
Drivers with an at-fault accident get the most affordable coverage from State Farm, which starts at $51 per month. These rates sit roughly 51 percent below the city average, offering meaningful savings in a region where accident-related surcharges can be substantial due to collision frequency along high-speed corridors like I-20 and surrounding county routes.
| State Farm | $51 | $612 | -51% |
| Geico | $76 | $911 | -27% |
| Farmers | $78 | $934 | -25% |
| Germania Insurance | $83 | $995 | -20% |
| AAA | $91 | $1,088 | -12% |
For Odessa drivers with a speeding ticket, State Farm provides the lowest premiums, offering minimum coverage for $43 per month and full coverage for about $98 per month. These rates are far below typical post-violation pricing, making State Farm the most cost-effective option for drivers managing temporary surcharges from minor moving violations.
| State Farm | $43 | $518 | -51% |
| Geico | $63 | $761 | -27% |
| Mercury Insurance | $80 | $957 | -9% |
| AAA | $82 | $979 | -7% |
| Germania Insurance | $82 | $980 | -6% |
State Farm ranks as Odessa's best insurance company with a MoneyGeek score of 95, combining the city's lowest rates with dependable customer service. GEICO follows at 91, offering competitive pricing and streamlined claims processes.
Both carriers demonstrate strong financial stability and fair claims handling. State Farm's exceptional combination of affordability and service makes it the preferred choice for Odessa residents seeking comprehensive protection without premium prices.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 91 | 2 | 6 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
| AAA | 90 | 3 | 4 | 6 |
| Progressive | 86 | 6 | 2 | 2 |
Most affordable rates in Odessa
Strong customer service ratings
Wide range of driver discounts
Limited coverage add-on options
State Farm ranks as Odessa's top car insurance provider, combining affordable rates with quality service. Their premiums run well below the city average, making them particularly attractive for budget-conscious drivers. They excel in customer satisfaction and offer the best rates for most driver categories, including seniors, those with accidents, and drivers with speeding tickets.
Competitive rates across categories
Strong digital tools and apps
Easy quote process
Lower customer service rankings
GEICO stands out as Odessa's second-best insurance option with consistently competitive rates. They offer the best deals for young drivers, those with bad credit, and owners of newer vehicles. Their user-friendly digital tools make policy management straightforward, though their customer service ratings leave room for improvement.
Odessa drivers pay an average of $836 per year for minimum coverage and $1,905 per year for full coverage. These rates fall slightly below Texas statewide averages, reflecting Odessa's moderate population density and traffic patterns.
State Farm's premiums of $518 for minimum coverage and $1,181 for full coverage sit well below city averages. This represents potential annual savings of $318 for minimum coverage and $724 for full coverage compared to typical Odessa rates.
| Full Coverage | $159 | $1,905 |
| Minimum Coverage | $70 | $836 |
In Odessa, car insurance rates by ZIP code range from $63 to $187 per month. ZIP code 79763 is the most expensive, while 79762 is the cheapest. Check the average rates for your ZIP code on the table below.
| 79763 | $83 | $187 |
Finding affordable car insurance in Odessa can feel overwhelming, with local rates often running higher than the Texas average. Our step-by-step guide shows you exactly how to lower your costs and find the right coverage for your needs.
Start by determining how much coverage you actually need for your situation. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific circumstances in Odessa.
Look into various types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
Research average vehicle insurance costs in Odessa to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding local rates gives you better negotiating power when shopping for coverage.
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and defensive driving courses can also reduce your rates.
Look beyond just price when choosing an insurer. Check customer reviews, financial strength ratings, and claims satisfaction scores. A company's reputation for customer service and claims handling in Odessa can be just as important as competitive rates.
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to compare rates. Each company uses different factors to set prices, so shopping around is essential for finding the best deal.
Set a yearly reminder to review your coverage and shop for new quotes. Life changes like improving credit, getting married, or buying a new car can affect your rates. Regular policy reviews ensure you maintain the best combination of coverage and cost.
Car insurance rates in Odessa depend on your age, driving record and credit score. While State Farm and GEICO consistently offer the lowest average premiums, compare quotes from multiple providers to find your best rate.
Below, we answer common questions about finding affordable car insurance in Odessa. Our research helps you choose coverage that fits your budget while meeting your protection needs.
State Farm offers the lowest rates in Odessa, with average annual premiums of $518 for minimum coverage and $1,181 for full coverage. Rates vary by personal factors, so compare quotes.
State Farm leads Odessa's insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than GEICO. State Farm excels in both affordable rates and quality service.
In Odessa, drivers pay $1,905 annually for full coverage and $836 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Car insurance in Odessa costs more than average, ranking 1,306th for minimum coverage affordability and 1,295th for full coverage compared to other Texas cities.
To help Odessa drivers find the most affordable auto insurance companies, MoneyGeek analyzed Odessa auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Odessa and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Odessa Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Odessa with the following characteristics:
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Odessa
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Odessa based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
