The lowest car insurance rates in Odessa are offered by State Farm who has average annual rates of $516 for minimum coverage and $1,176 for full coverage. However, we also recommend GEICO, AAA, Mercury and Germania Insurance for affordable coverage in the city.
Car Insurance in Odessa
Updated: August 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Odessa are State Farm, GEICO and AAA, with rates up to 41% lower than the city average.
Monthly car insurance costs in Odessa average $159 for full coverage and $70 for minimum coverage.
To get the best cheap auto insurance in Odessa, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Odessa?
| State Farm | $43 | $98 | -41% |
| GEICO | $55 | $115 | -30% |
| AAA | $62 | $127 | -22% |
| Mercury | $58 | $133 | -21% |
| Germania Insurance | $82 | $165 | 2% |
Compare the Cheapest Odessa Car Insurance for You
Your car insurance rates depend heavily on personal factors like your driving record, age and credit score. Use the table below to find the cheapest insurer for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $122 | $1,469 | -47% |
| Germania Insurance | $157 | $1,885 | -32% |
| Geico | $176 | $2,115 | -24% |
| AAA | $180 | $2,157 | -23% |
| Farmers | $239 | $2,872 | 3% |
Cheapest Car Insurance by Age Group in Odessa
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16–25 (young), 26–64 (adults), and 65+ (seniors). Based on our data in Odessa, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $97 per month)
- Cheapest Car Insurance for Adults: State Farm (from $43 per month)
- Cheapest Car Insurance for Seniors: State Farm (from $50 per month)
Cheapest Car Insurance for Young Drivers in Odessa
In Odessa, GEICO and State Farm provide the most affordable car insurance options for drivers aged 16 to 25, with monthly premiums starting at $97 and $99 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Odessa
State Farm provides the lowest rates for adult drivers in Odessa, with average premiums of $43 monthly, saving drivers 42% compared to the city average. GEICO and AAA also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $43 | $518 | -42% |
| GEICO | $55 | $661 | -25% |
| Mercury | $58 | $692 | -22% |
| AAA | $62 | $741 | -16% |
| Farmers | $74 | $887 | 0% |
Cheapest Car Insurance for Senior Drivers in Odessa
For seniors in Odessa, State Farm provides the most affordable car insurance options. Minimum coverage costs $50 per month or $604 annually. Full coverage from the same provider runs $111 monthly or $1,330 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for High-Risk Drivers in Odessa
If you're a high-risk driver in Odessa, these insurance companies offer the lowest rates based on your situation:
- Cheapest For Bad Credit: GEICO (From $80 per month)
- Cheapest With a DUI: State Farm (From $70 per month)
- Cheapest With an Accident: State Farm (From $51 per month)
- Cheapest With a Speeding Ticket: State Farm (From $43 per month)
Cheapest Car Insurance for Bad Credit in Odessa
GEICO offers the cheapest car insurance for bad credit drivers in Odessa, with monthly rates starting at $80 for minimum coverage and $192 for full coverage. These affordable rates include state minimum liability coverage or a full coverage policy with $100,000/$300,000/$100,000 liability limits and a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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% |
Cheapest Car Insurance With a DUI in Odessa
State Farm offers the most affordable car insurance for Odessa drivers with a DUI. Their rates are 39% below the city average for minimum coverage and 38% lower for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $70 | $844 | -39% |
| Mercury | $78 | $937 | -32% |
| Farmers | $84 | $1,005 | -27% |
| GEICO | $96 | $1,152 | -17% |
| AAA | $96 | $1,155 | -17% |
Cheapest Car Insurance With an Accident in Odessa
State Farm offers the lowest car insurance rates in Odessa for drivers with an accident record. Monthly premiums start at $51, about 51% less than the city average.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $51 | $612 | -51% |
| GEICO | $76 | $911 | -27% |
| Farmers | $78 | $934 | -25% |
| Germania Insurance | $83 | $995 | -20% |
| AAA | $91 | $1,088 | -12% |
Cheapest Car Insurance With a Speeding Ticket in Odessa
For those with speeding tickets in Odessa, State Farm offers the cheapest minimum liability and full coverage policies in the city. Their average rates sit at about $43 per month and $98 monthly respectively.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $43 | $518 | -51% |
| GEICO | $63 | $761 | -27% |
| Mercury | $80 | $957 | -9% |
| AAA | $82 | $979 | -7% |
| Germania Insurance | $82 | $980 | -6% |
Best Car Insurance Companies in Odessa
In Odessa, the top car insurance companies are State Farm, GEICO, Mercury and AAA. These insurers stand out for competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
State Farm: Best Overall Value
pros
Most affordable rates in Odessa
Strong customer service ratings
Wide range of driver discounts
cons
Limited coverage add-on options
COMPANY HIGHLIGHTS
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.
GEICO: Best for Specialized Coverage
pros
Competitive rates across categories
Strong digital tools and apps
Easy quote process
cons
Lower customer service rankings
COMPANY HIGHLIGHTS
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.
How Much Is Car Insurance in Odessa?
In Odessa, minimum coverage costs about $70 per month or $836 per year, ranking 1,306th out of all Texas cities for affordability. Full coverage averages $159 monthly or $1,905 annually, ranking 1,295th among Texas cities.
| Full Coverage | $159 | $1,905 |
| Minimum Coverage | $70 | $836 |
Compare Personalized Odessa Car Insurance Costs
Find rates that match your exact profile by filtering the table below for specific combinations of age, driving history and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $231 | $2,774 | 7% |
Odessa Car Insurance Costs by ZIP Code
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.
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ZIP Code:79763
| 79763 | $83 | $187 |
How To Get The Best Cheap Odessa Car Insurance
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.
- 1
Calculate your coverage 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.
- 2
Explore different coverage types
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.
- 3
Know the average costs
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.
- 4
Check available discounts
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.
- 5
Research insurance company ratings
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.
- 6
Get quotes from multiple insurers
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.
- 7
Review your policy annually
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.
Cheapest Car Insurance in Odessa: Bottom Line
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.
Cheap Odessa Car Insurance: FAQ
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.
What is the cheapest car insurance company in Odessa, Texas?
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.
Who offers the best car insurance in Odessa?
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.
What is the average cost of car insurance in Odessa?
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.
Is car insurance in Odessa expensive?
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.
How We Chose the Best and Cheapest Car Insurance in Odessa, TX
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Odessa based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.