Cheapest Car Insurance Quotes in Odessa

Finding the cheapest car insurance quotes in Odessa shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Odessa Car Insurance

^$ 44

/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 $1138 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $678, 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

$1138

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Odessa

1st place: Texas Farm Bureau

At $678 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $806 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $830 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, TX is Texas Farm Bureau, offering policies at just $678 for a six-month term. This is followed by Mercury, which has an average six-month premium of $806.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1090 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, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$678	$114
Mercury	$806	$137
State Farm	$830	$140
AAA Texas	$843	$143
USAA	$927	$156
Redpoint Insurance	$993	$169
Progressive	$1145	$193
Southern County Mutual	$1315	$223
Allstate	$1564	$263
Farmers	$2502	$425
Redpoint County Mutual	$975	$166
Geico County Mutual	$1090	$186

Key Takeaways

Way's key takeaways about car insurance in Odessa

The auto insurance costs in Odessa fall around $678 for six months.
The cheapest auto insurance company in Odessa is Texas Farm Bureau.
Teen drivers pay the highest rate in Odessa at $74 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Odessa. Their Average 6 Month Premium is $260. Geico County Mutual is the most expensive at $340 for the same period.

Cheapest Liability Coverage in Odessa, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$260	$44
USAA	$291	$49
Progressive	$303	$51
State Farm	$309	$52
Redpoint Insurance	$340	$56
Mercury	$394	$66
AAA Texas	$437	$72
Allstate	$600	$101
Farmers	$987	$164
Redpoint County Mutual	$327	$54
Geico County Mutual	$340	$58

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 Texas Farm Bureau at $114 per month and $678 for six months.

Cheapest Full Coverage Car Insurance Quotes in Odessa, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$678	$114
Mercury	$806	$137
State Farm	$830	$140
AAA Texas	$843	$143
USAA	$927	$156
Redpoint Insurance	$993	$169
Progressive	$1145	$193
Southern County Mutual	$1315	$223
Allstate	$1564	$263
Farmers	$2502	$425
Redpoint County Mutual	$975	$166
Geico County Mutual	$1090	$186

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Odessa Instantly!

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, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Odessa, Texas, may be increasing due to several external factors. Texas 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
30s	Texas Farm Bureau	$713
40s	Nationwide	$708
50s	Texas Farm Bureau	$631
60s	Texas Farm Bureau	$583
70s	Texas Farm Bureau	$626

Cheapest Car Insurance Rates for Teen Drivers in Odessa,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Odessa at $57 per month. At $449 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$346	$57
Southern County Mutual	$449	$77
Mercury	$485	$81
AAA Texas	$552	$94
Texas Farm Bureau	$1206	$203
USAA	$1315	$221
State Farm	$1364	$230
Allstate	$3423	$576
Progressive	$5841	$983
Farmers	$8167	$1388
Redpoint County Mutual	$334	$57
Geico County Mutual	$449	$74

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Odessa.

As young drivers face the highest rates in Odessa, Texas Farm Bureau offers the cheapest auto insurance rates at $713 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, Mercury is the cheapest car insurance provider. At $527 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 State Farm, offering rates of around $4575 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$527	$90
Foremost	$630	$105
AAA Texas	$672	$114
Dairyland	$781	$131
Allstate	$1024	$174
USAA	$1049	$174
Texas Farm Bureau	$1181	$201
Progressive	$1636	$275
Farmers	$4144	$705
State Farm	$4575	$762

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Odessa.

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, TX, 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 Redpoint Insurance and Southern County Mutual, offering $346 and $418, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $418.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$346	$57
Southern County Mutual	$418	$71
State Farm	$643	$108
AAA Texas	$649	$110
Mercury	$787	$132
USAA	$963	$162
Texas Farm Bureau	$1066	$180
Progressive	$1981	$334
Allstate	$2230	$375
Farmers	$6877	$1169
Redpoint County Mutual	$334	$55
Geico County Mutual	$418	$71

Odessa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Odessa TX. For example, the car insurance in Odessa after a DUI increases to $799 for a six month policy. While the rate increases by $187 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	$1309	$218
One Med/PIP claim	$1321	$224
One comp claim	$1387	$232
Not-at-fault accident	$1399	$238
Two Med/PIP claims	$1406	$235
Failure to show documents	$1455	$247
Driving with expired registration	$1466	$245
Two comp claims	$1478	$251
Cell phone violation	$1490	$249
Driving without lights	$1490	$253
Texting while driving	$1490	$249
Driving too slowly	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Speeding in school zone	$1496	$254
Child safety restraint	$1502	$251
Failure to wear a seat belt	$1502	$255
In 65 MPH zone	$1509	$252
Failure to stop at a red light	$1515	$258
Failure to yield	$1515	$253
Following too closely	$1515	$258
Illegal turn	$1515	$253
Improper passing	$1515	$258
Speeding 21 - 25 MPH over limit	$1515	$253
Passing school bus	$1521	$259
Wrong way/wrong lane	$1521	$253
Operating a vehicle without permission	$1527	$260
At-fault accident - less than $1000	$1587	$264
Open container	$1787	$304
Driving with a suspended license	$1854	$309
Racing	$1964	$334
Reckless driving	$1964	$327
Leaving scene of an accident/hit and run	$2011	$342
At-fault accident - $1000-$2000	$2018	$337
Refusal to submit to a chemical test	$2078	$353
DUI	$2108	$352
At-fault accident - greater than $2000	$2193	$373

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mercury at $521 for a six-month policy. However, it can be as expensive as $3157 with companies like Farmers.

Odessa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$521	$87
Foremost	$588	$100
Dairyland	$643	$107
AAA Texas	$678	$115
State Farm	$849	$143
Texas Farm Bureau	$1006	$171
Progressive	$1272	$214
USAA	$1303	$219
Allstate	$1661	$279
Nationwide	$1715	$292
Farmers	$3157	$526

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 State Farm at $472. However, it can be as expensive as $3435 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
State Farm	$472	$80
Texas Farm Bureau	$521	$89
Mercury	$540	$90
AAA Texas	$575	$98
USAA	$758	$126
Allstate	$1024	$174
Progressive	$1764	$294
Farmers	$3435	$584

Car Insurance Price Trends in Odessa, Texas

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 $211 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 $65 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Odessa by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Odessa. At $1434 for a six-month policy, insuring your car at 79762 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
79762	$1434	$242
79761	$1365	$231
79764	$1286	$217
79763	$1400	$237
79766	$1183	$200
79765	$1252	$212

Frequently Asked Questions

How much is car insurance in Odessa?

The car insurance in Odessa is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Odessa?

The cheapest car insurance in Odessa is $114 per month for full coverage.

How much is car insurance in Odessa for teenagers?

Car insurance for teenagers costs $346 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 $1116 for a six-month policy. It will cost around $193 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 Texas

National Average

Cheapest Car Insurance Companies in Odessa

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Odessa Car Insurance Rates by Company

Cheap Car Insurance Companies in Odessa, TX

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, TX

Cheapest Full Coverage Car Insurance in Odessa

Cheapest Full Coverage Car Insurance Quotes in Odessa, TX

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, TX 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,TX

If you are in your twenties Texas Farm Bureau 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, Texas

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, TX

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

Featured Blogs

Data Sources