Updated: December 17, 2025
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State Farm: Cheapest across most driver profiles. At $43 monthly for minimum coverage and $98 for full coverage, State Farm saves drivers 41% compared to Odessa's average.
GEICO: Second cheapest at $55 monthly minimum and $115 full coverage. It's affordable for young drivers, seniors and drivers with accidents.
AAA: Third cheapest at $62 monthly minimum and $127 full coverage, with rates 22% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Odessa:
State Farm offers the cheapest minimum coverage at $43 monthly, while GEICO is the second cheapest at $55. For full coverage, State Farm stays the cheapest at $98 monthly, with GEICO second at $115. Both save you over 30% compared to Odessa's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $43 | $98 | -41% |
| Geico | $55 | $115 | -30% |
| Mercury Insurance | $58 | $133 | -21% |
| AAA | $62 | $127 | -22% |
| Germania Insurance | $82 | $165 | 2% |
Not in Odessa? Read more about the cheapest car insurance in Texas or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. GEICO offers the cheapest full coverage at $208 monthly. State Farm charges $222, and AAA costs $289.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Geico | $208 | $2,494 | -43% |
| State Farm | $222 | $2,661 | -40% |
| AAA | $289 | $3,464 | -21% |
| Germania Insurance | $315 | $3,775 | -14% |
| Allstate | $346 | $4,149 | -6% |
Senior drivers in Odessa pay lower rates than most age groups. State Farm charges the least at $111 monthly for full coverage. GEICO costs $135, and AAA charges $165. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older. State Farm provides mature driver discounts and defensive driving course credits.
| State Farm | $111 | $1,330 | -43% |
| Geico | $135 | $1,625 | -30% |
| AAA | $165 | $1,976 | -15% |
| Germania Insurance | $171 | $2,053 | -12% |
| Mercury Insurance | $192 | $2,307 | -1% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $51 monthly for minimum coverage, compared to GEICO's $76. For speeding tickets, State Farm costs $43 a month, and GEICO charges $63. State Farm offers the best DUI rates at $70 monthly, with Mercury at $78.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $51 | -51% |
| At-Fault Accident | Geico | $76 | -27% |
| DUI | State Farm | $70 | -39% |
| DUI | Mercury Insurance | $78 | -32% |
| Speeding Ticket | State Farm | $43 | -51% |
| Speeding Ticket | Geico | $63 | -27% |
Odessa rates span from $145 to $187 monthly for full coverage, depending on your ZIP code. High-risk areas like 79763 cost $187. Safer neighborhoods like 79766 cost $145.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $42 monthly gap between Odessa's most and least expensive ZIP codes.
| 79763 | $187 |
| 79765 | $176 |
| 79761 | $152 |
| 79764 | $147 |
| 79762 | $146 |
| 79766 | $145 |
| 79766 | $145 |
| 79762 | $146 |
| 79764 | $147 |
| 79761 | $152 |
| 79765 | $176 |
| 79763 | $187 |
State Farm leads Odessa's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
GEICO, Mercury, AAA and Progressive are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Geico | 91 | 2 | 6 | 6 |
| Mercury Insurance | 90 | 4 | 5 | 4 |
| AAA | 90 | 3 | 4 | 6 |
| Progressive | 86 | 6 | 2 | 2 |
Cheapest rates across all driver profiles
Full coverage rates 41% below city average
4.5 out of 5 customer service rating
Limited coverage options in basic plans
Digital tools lag behind competitor offerings
Tied for lowest coverage ranking among providers
State Farm ranks first in Odessa with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 41% below the city average and provides 24/7 digital support through its mobile app.
State Farm handles Odessa's weather-related risks and higher theft rates with comprehensive coverage. Its Drive Safe & Save program rewards safe driving with lower premiums, and local agents provide policy management and roadside assistance.
Second-cheapest rates across most profiles
Competitive pricing for young drivers
24/7 digital customer service
Lowest customer service ranking among local competitors
Limited coverage for natural disasters and commercial use
Complicated and time-consuming claims process
GEICO ranks second in Odessa with competitive rates for young drivers and comprehensive weather coverage for the region's risks. It provides efficient claims processing with 24/7 support through its mobile app.
GEICO handles Odessa's frequent hailstorms and hurricane-related flooding with comprehensive coverage backed by dedicated catastrophe response teams during severe weather events.
Odessa drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Odessa's risk profile. Your driving record improves after three years, unlocking lower rates.
Our team researched Odessa insurance options to help you understand coverage choices and find competitive rates.
Odessa car insurance is moderately expensive. It costs $159 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Odessa starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 79763 often pay much more than those in 79766.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Odessa ZIP code.
Our ratings for the best car insurance in Odessa are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Odessa neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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.
