Full coverage car insurance in Odessa averages $134 per month. Rates can vary widely, from a low of $127 to a high of $406, depending on various factors. To help drivers better understand potential costs, the table below shows average car insurance rates for different driver profiles.
Odessa, TX, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Odessa: Key Takeaways
In Odessa, Texas Farm Bureau, State Farm and Progressive are among the most affordable car insurance providers, offering competitive rates for various driver profiles.
Texas Farm Bureau offers the cheapest car insurance in Texas, with rates of $28 per month for minimum coverage and $64 per month for full coverage.
The average cost of car insurance in Texas is $58 per month for minimum coverage and $134 per month for full coverage, depending on the driver's profile.
Car Insurance Quotes in Odessa, TX
| Young Drivers | $77 | $175 |
| Teens | No Data | $406 |
| Seniors | $59 | $127 |
| Drivers With a Speeding Ticket | $69 | $162 |
| Drivers With a DUI | $89 | $194 |
| Drivers With An Accident | $98 | $215 |
| Bad Credit | $102 | $243 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Odessa vs. State Average
Texas
State Average Full Coverage Rate
$1,705
Odessa, TX
City Average Full Coverage Rate
$1,618More:$87 saved
This is 5% less expensive.
What Is the Average Car Insurance Rate in Odessa?
In Odessa, the average car insurance cost is $1,618 per year for full coverage and $701 for minimum coverage. These rates are lower than the Texas averages, where full coverage costs around $1,705, and minimum coverage is about $816 annually.
| State Average | $816 | $1,705 |
| Odessa Average | $701 | $1,618 |
Cheapest Car Insurance Companies in Odessa
While premiums may be rising across Texas, you can still find cheap car insurance in Odessa. Texas Farm Bureau offers the most affordable minimum coverage at $28 per month. For full coverage, their rate is the best at $64 per month.
WHY CAR INSURANCE IN ODESSA IS CHEAP
Car insurance is cheap in Odessa compared to the state average. Rates may be higher in other parts of Texas due to factors like high accident rates and vehicle thefts. Across the state, high numbers of uninsured drivers, frequent personal injury lawsuits and insurance fraud contribute to the steep prices.
Cheap Car Insurance in Odessa
Texas Farm Bureau is often the cheapest car insurance provider, but rates can vary for each driver. To find the most affordable insurance, it's best to compare quotes from multiple companies. Below is a table showing the cheapest car insurance rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $28 |
| Texas Farm Bureau | Full Coverage | $64 |
| State Farm | Teens | $194 |
| Texas Farm Bureau | Young Adults | $57 |
| Texas Farm Bureau | Seniors | $39 |
| Texas Farm Bureau | Bad Credit | $101 |
| Progressive | Drivers With a DUI | $93 |
| State Farm | Drivers With An Accident | $72 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $46 |
Car Insurance Rates in Odessa by Company
Different car insurance companies in Odessa set their prices uniquely. To find affordable car insurance, compare rates from many providers. We detail the cheapest options for minimum coverage and full coverage car insurance below.
Cheapest Car Insurance Companies for Minimum Coverage in Odessa
Texas Farm Bureau provides the cheapest minimum coverage auto insurance at $28 per month. Mercury follows closely with a rate of $30 monthly. See the breakdown of the cheapest options in the table below.
| Texas Farm Bureau | $28 | $30 |
| Mercury | $30 | $28 |
| State Farm | $35 | $23 |
| Progressive | $45 | $12 |
| National General | $48 | $10 |
| AAA Texas | $50 | $8 |
| Allstate | $52 | $6 |
| GEICO | $52 | $6 |
Cheapest Car Insurance Companies for Full Coverage in Odessa
Texas Farm Bureau offers the cheapest full coverage car insurance in Odessa at $64 per month. Explore more options from other providers in the list below.
| AAA Texas | $106 | $28 |
| Allstate | $117 | $18 |
| GEICO | $108 | $26 |
| Mercury | $132 | $2 |
| National General | $116 | $18 |
| Progressive | $115 | $19 |
| State Farm | $79 | $55 |
| Texas Farm Bureau | $64 | $70 |
Car Insurance Companies in Odessa
To find affordable car insurance in Odessa, compare quotes from several local companies. Texas Farm Bureau offers the cheapest rate at $555 annually. Mercury stands out as the best cheap provider with a MoneyGeek score of 74.5. Check the table below for more options to consider.
| Chubb | 90 | $1,209 |
| Mercury | 75 | $974 |
| State Farm | 74 | $695 |
| Foremost | 74 | $1,559 |
| Texas Farm Bureau | 73 | $555 |
| AAA Texas | 73 | $933 |
| GEICO | 64 | $964 |
| Progressive | 64 | $960 |
| Nationwide | 63 | $1,397 |
| Allstate | 61 | $1,011 |
| National General | 51 | $984 |
| Dairyland | No Data | $2,675 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Odessa by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,618 per year for 40-year-olds and $1,528 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,169 | $-734 |
| 17 | $3,056 | $-621 |
| 18 | $2,668 | $-233 |
| 19 | $2,260 | $175 |
| 20 | $2,366 | $69 |
| 21 | $1,752 | $683 |
| 22 | $1,761 | $674 |
| 23 | $1,826 | $609 |
| 24 | $1,711 | $724 |
| 25 | $2,101 | $-249 |
| 40 | $1,618 | $234 |
| 65 | $1,528 | $324 |
Cheapest Car Insurance for Teens in Odessa
Nationwide offers the cheapest overall car insurance for teens in Odessa at $126 per month, saving you $106 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $126 | $106 | $314 |
| State Farm | $146 | $87 | $194 |
| GEICO | $179 | $54 | $218 |
| Foremost | $246 | $-14 | $529 |
| Progressive | $285 | $-53 | $767 |
| Allstate | $412 | $-180 | $415 |
**Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.*
Best Car Insurance Rates for Young Drivers in Odessa
Young drivers in Odessa can find the cheapest minimum coverage with Texas Farm Bureau at $36 per month. For full coverage, Texas Farm Bureau also offers the best rate at $79 per month. Check the table below to see which providers offer the cheapest rate for different young driver profiles.
| Texas Farm Bureau | Minimum Coverage | $36 |
| Texas Farm Bureau | Full Coverage | $79 |
| Texas Farm Bureau | Bad Credit | $126 |
| Progressive | Drivers With a DUI | $113 |
| State Farm | Drivers With An Accident | $90 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $57 |
Cheapest Car Insurance Companies for Young Drivers in Odessa
Texas Farm Bureau offers the most affordable auto insurance for young drivers at $57 per month. Explore other affordable auto insurance options available. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $57 | $68 |
| State Farm | $73 | $52 |
| GEICO | $93 | $32 |
| AAA Texas | $99 | $26 |
| Progressive | $103 | $22 |
| National General | $107 | $19 |
| Mercury | $110 | $15 |
| Allstate | $110 | $15 |
**Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.*
Best Car Insurance Rates for Seniors in Odessa
Texas Farm Bureau and State Farm offer the most affordable car insurance options. Rates vary based on factors like driving history and coverage type. The table below shows the cheapest providers for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $24 |
| Texas Farm Bureau | Full Coverage | $53 |
| Texas Farm Bureau | Bad Credit | $84 |
| Texas Farm Bureau | Drivers With a DUI | $80 |
| State Farm | Drivers With An Accident | $67 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $39 |
Cheapest Car Insurance Companies for Seniors in Odessa
Texas Farm Bureau offers the cheapest monthly premium for seniors at $39 for both minimum and full coverage. State Farm is the second most affordable at $52 per month. The table below shows options of the top car insurance providers for seniors in Odessa.
| Texas Farm Bureau | $39 | $54 |
| State Farm | $52 | $40 |
| AAA Texas | $78 | $15 |
| GEICO | $79 | $14 |
| Allstate | $80 | $13 |
| Progressive | $81 | $12 |
| Mercury | $82 | $10 |
| National General | $90 | $3 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High Risk Drivers in Odessa
In Odessa, high-risk drivers can compare their car insurance rates to the state average for both minimum and full coverage. Generally, those with bad credit and DUIs pay the highest premiums. On the other hand, accidents and speeding tickets have a smaller impact on insurance costs.
| State Average | $1,190 | $2,417 |
| Odessa Average | $1,014 | $2,269 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Odessa typically consider minor driving incidents, like a not-at-fault accident or speeding ticket, for a few years. For more serious offenses, like a DUI, insurers take account for a longer period, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Odessa
Mercury offers the cheapest minimum coverage for drivers with a DUI at $504 per year. Meanwhile, Texas Farm Bureau provides the most affordable full coverage at $1,505 per year. Check out the table below to see more options for low-cost coverage.
| Texas Farm Bureau | $64 | $125 |
| Progressive | $48 | $138 |
| National General | $60 | $139 |
| State Farm | $67 | $143 |
| Mercury | $42 | $172 |
**Rates are for a 40-year-old driver with good credit and a DUI.*
Cheapest Auto Insurance Rates With an Accident in Odessa
State Farm, Texas Farm Bureau, and Mercury offer the most affordable car insurance for drivers with an at-fault accident in Odessa. For a detailed look at the cheapest auto insurance after an at-fault accident, explore the options available. Below is a table showing various providers in Odessa offering cheap car insurance coverage for drivers with an at-fault accident violation.
| State Farm | $44 | $98 |
| Texas Farm Bureau | $48 | $106 |
| GEICO | $71 | $150 |
| Progressive | $68 | $187 |
| Mercury | $63 | $252 |
**Rates are for a 40-year-old driver with good credit an at-fault accident.*
Cheapest Auto Insurance Rates With a Speeding Ticket in Odessa
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Odessa, with rates of $28 for minimum coverage and $64 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket.
| Texas Farm Bureau | $28 | $64 |
| State Farm | $35 | $79 |
| Allstate | $52 | $117 |
| Progressive | $53 | $151 |
| Mercury | $43 | $186 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Odessa
Drivers with bad credit in Odessa can find the most affordable rates for drivers with bad credit with Mercury at $42 for minimum coverage and Texas Farm Bureau at $144 for full coverage. See the table below for other affordable options.
| Texas Farm Bureau | $59 | $144 |
| Allstate | $76 | $177 |
| Mercury | $42 | $203 |
| National General | $73 | $208 |
| Progressive | $70 | $209 |
**Rates are for a 40-year-old driver with bad credit and no driving violations.*
Minimum Car Insurance Requirements in Odessa, TX
In Texas, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
Imagine you're in a fender bender; the state minimum covers damages up to these amounts, helping you avoid out-of-pocket expenses.
Cheap Car Insurance in Odessa: Bottom Line
Texas Farm Bureau offers the cheapest car insurance in Odessa, with minimum coverage at just $28 and full coverage at $64. No matter your age or credit, you'll find options that match your wallet. Make sure your policy covers Texas's 30/60/25 liability minimums. Shop around to get the best deal without giving up the protection Texans need.
Odessa Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Odessa. Discover how to secure affordable rates while ensuring you have the necessary coverage for peace of mind.
What is the cheapest car insurance company in Odessa, Texas?
Texas Farm Bureau offers the cheapest car insurance in Odessa, Texas, with a monthly rate of $28, potentially saving you $30.
What is the best car insurance company in Odessa, Texas?
Dairyland is the top car insurance provider in Odessa, Texas, with an annual premium of $2,675 for minimum coverage.
How much does car insurance cost on average in Odessa?
In Odessa, minimum coverage car insurance costs range from $58 to $101 per month.
Best Cheap Car Insurance in Odessa: Our Methodology
MoneyGeek Analysis of Odessa Auto Insurance Prices
MoneyGeek conducted an analysis of Odessa auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Odessa Driver Profile
To assess the best and most affordable auto insurance options for Odessa residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records, and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Odessa
In assessing the car insurance quotes for Odessa, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options, and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Odessa
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Odessa. For more details on our evaluation process, see MoneyGeek's methodology.
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.