Cheapest Car Insurance Quotes in Odessa

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Odessa Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Odessa

The car insurance rate in Odessa is $1921 for a six-month policy, which is $320 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1226, making it a popular choice for budget-conscious drivers. Rates in Odessa can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Odessa

$1921

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Odessa

1st place: Travelers

At $1226 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1304 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1518 for six months, making it the third cheapest auto insurance company in Odessa.

Odessa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Odessa, FL is Travelers, offering policies at just $1226 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1304.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1147 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Odessa drivers find the best deals.

Cheap Car Insurance Companies in Odessa, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1226	$206
State Farm	$1304	$220
Nationwide	$1518	$256
United Automobile Ins Group	$1639	$274
Progressive	$1711	$288
UAIC	$1711	$286
MetLife	$1804	$307
Farmers	$2866	$478
Mercury	$3094	$526
Allstate	$3115	$524
Metropolitan Group	$1147	$191

Key Takeaways

Way's key takeaways about car insurance in Odessa

The auto insurance costs in Odessa fall around $1226 for six months.
The cheapest auto insurance company in Odessa is Patrons Insurance.
Teen drivers pay the highest rate in Odessa at $1657 per month.

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Cheapest Minimum Liability Car Insurance in Odessa

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Odessa are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Odessa. Their Average 6 Month Premium is $150. Metropolitan Group is the most expensive at $456 for the same period.

Cheapest Liability Coverage in Odessa, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$150	$25
Travelers	$456	$77
State Farm	$485	$82
Mercury	$514	$86
Nationwide	$570	$97
Farmers	$791	$132
AIG	$805	$137
Progressive	$841	$142
United Automobile Ins Group	$863	$146
UAIC	$934	$156
Allstate	$1076	$181
Metropolitan Group	$456	$76

Cheapest Full Coverage Car Insurance in Odessa

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Odessa is Travelers at $206 per month and $1226 for six months.

Cheapest Full Coverage Car Insurance Quotes in Odessa, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1226	$206
State Farm	$1304	$220
Nationwide	$1518	$256
United Automobile Ins Group	$1639	$274
Progressive	$1711	$288
UAIC	$1711	$286
MetLife	$1804	$307
Farmers	$2866	$478
Mercury	$3094	$526
Allstate	$3115	$524
Metropolitan Group	$1147	$191

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Average Car Insurance in Odessa by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Odessa, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Odessa, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Odessa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Odessa

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1556
40s	Travelers	$1175
50s	Travelers	$1096
60s	Travelers	$1080

Cheapest Car Insurance Rates for Teen Drivers in Odessa,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Odessa at $108 per month. At $9744 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$649	$108
AIG	$877	$149
Travelers	$1988	$335
State Farm	$2616	$440
UAIC	$3892	$649
United Automobile Ins Group	$4042	$688
Allstate	$6130	$1032
Mercury	$7598	$1279
Progressive	$8119	$1367
Farmers	$9744	$1657

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Odessa.

As young drivers face the highest rates in Odessa, Travelers offers the cheapest auto insurance rates at $1556 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Odessa, Nationwide is the cheapest car insurance provider. At $776 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Odessa is Allstate, offering rates of around $6230 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$776	$132
Mercury	$848	$142
Direct General Insurance	$884	$150
Travelers	$1682	$283
UAIC	$1711	$290
Progressive	$3307	$551
Farmers	$3964	$674
State Farm	$5938	$990
Allstate	$6230	$1060

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Car Insurance Rates with An Accident in Odessa

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Odessa, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Odessa

The cheapest car insurance companies after an at-fault accident in Odessa include Nationwide and AIG, offering $820 and $1048, respectively. National General is an expensive provider with an average six-month premium of $1268.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$820	$137
AIG	$1048	$178
Travelers	$1183	$199
State Farm	$1219	$205
United Automobile Ins Group	$2131	$355
Mercury	$2202	$371
UAIC	$2231	$372
Progressive	$2922	$492
Farmers	$3998	$666
Allstate	$5410	$911
National General	$1268	$216

Odessa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Odessa FL. For example, the car insurance in Odessa after a DUI increases to $1125 for a six month policy. While the rate increases by $342 for a six-month policy in the case of a speeding ticket.

Odessa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2189	$365
One Med/PIP claim	$2189	$372
Not-at-fault accident	$2366	$395
Two Med/PIP claims	$2431	$413
One comp claim	$2466	$412
Child safety restraint	$2473	$420
Failure to wear a seat belt	$2473	$413
Driving without lights	$2480	$421
Failure to show documents	$2480	$414
Speeding 6 - 10 MPH over limit	$2531	$431
Improper passing	$2538	$422
Passing school bus	$2538	$432
Wrong way/wrong lane	$2538	$422
Failure to stop at a red light	$2545	$433
Failure to yield	$2545	$424
Illegal turn	$2545	$433
Cell phone violation	$2552	$425
Driving with expired registration	$2552	$434
Following too closely	$2552	$425
Texting while driving	$2558	$436
Two comp claims	$2616	$436
Driving too slowly	$2630	$448
Speeding in school zone	$2630	$438
Speeding 11 - 15 MPH over limit	$2638	$449
In 65 MPH zone	$2730	$455
Speeding 16 - 20 MPH over limit	$2730	$464
Speeding 21 - 25 MPH over limit	$2744	$457
Open container	$2773	$472
Operating a vehicle without permission	$2773	$462
At-fault accident - less than $1000	$3008	$511
At-fault accident - $1000-$2000	$3058	$510
At-fault accident - greater than $2000	$3058	$520
Racing	$3307	$551
DUI	$3314	$564
Refusal to submit to a chemical test	$3314	$552
Driving with a suspended license	$3372	$574
Reckless driving	$3443	$574
Leaving scene of an accident/hit and run	$3479	$592

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Odessa after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Odessa.

The cheapest car insurance premiums in Odessa are offered by AIG at $770 for a six-month policy. However, it can be as expensive as $955 with companies like National General.

Odessa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$770	$128
Travelers	$1226	$206
State Farm	$1489	$251
Progressive	$1504	$253
Allstate	$2737	$461
UAIC	$3016	$512
Farmers	$3258	$542
National General	$955	$160

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Odessa are offered by Nationwide at $670. However, it can be as expensive as $3479 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Odessa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$670	$114
State Farm	$863	$145
Travelers	$1033	$174
UAIC	$1711	$286
Allstate	$1961	$330
Progressive	$2830	$472
Farmers	$3479	$592

Car Insurance Price Trends in Odessa, Florida

Car insurance rates in Odessa have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Odessa remained steady at $331 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Odessa remained steady at $101 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Odessa?

The car insurance in Odessa is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Odessa?

The cheapest car insurance in Odessa is $206 per month for full coverage.

How much is car insurance in Odessa for teenagers?

Car insurance for teenagers costs $649 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Odessa?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $323 per month to insure your car in Odessa.

Is car insurance expensive in Odessa?

Car insurance can be expensive in Odessa if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Odessa can be affordable.

Cheapest Car Insurance Quotes in Odessa

Why you can trust Way?

How Much Is Car Insurance in Odessa

Avg. Car Insurance in Odessa

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Odessa

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Odessa Car Insurance Rates by Company

Cheap Car Insurance Companies in Odessa, FL

Way's key takeaways about car insurance in Odessa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Odessa

Cheapest Liability Coverage in Odessa, FL

Cheapest Full Coverage Car Insurance in Odessa

Cheapest Full Coverage Car Insurance Quotes in Odessa, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Odessa by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Odessa, FL increasing?

Car Insurance Premiums by Age in Odessa

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Odessa,FL

If you are in your twenties Travelers is the best choice for car insurance in Odessa.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Odessa

Cheapest Car Insurance Companies after an At-Fault Accident in Odessa

Odessa Car Insurance Rates by Violation

Odessa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Odessa after a DUI

Odessa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Odessa after Speeding ticket

Car Insurance Price Trends in Odessa, Florida

Average Car Insurance Cost in Odessa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Odessa, FL

Car Insurance Rates by State in the USA (2025 Update)

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