Cheapest Car Insurance In Odessa, TX 2025
State Farm offers the cheapest liability-only car insurance in Odessa, with an average rate of $53 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Odessa, TX, the options can vary greatly.
For those seeking the cheapest liability-only coverage, State Farm emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that State Farm offers the best rates for full coverage policies. While State Farm offers the cheapest car insurance rates for young drivers.
Key Takeaways
Odessa’s cheapest liability-only car insurance company is State Farm.
Car insurance in Odessa costs an average of $166 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Odessa – State Farm
State Farm is the cheapest car insurance company for minimum coverage car insurance in Odessa, with an average monthly cost of $53.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $57 | $684 |
| Farmers | $62 | $744 |
| GEICO | $55 | $660 |
| Progressive | $59 | $708 |
| State Farm | $53 | $636 |
Cheapest Full Coverage Insurance In Odessa – State Farm
State Farm has the cheapest car insurance rates for full coverage. Their quotes average $152 a month in Odessa.
The table below compares average auto insurance quotes from affordable insurers in Odessa.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $172 | $2,064 |
| Farmers | $168 | $2,016 |
| GEICO | $159 | $1,908 |
| Progressive | $165 | $1,980 |
| State Farm | $152 | $1,824 |
Cheapest Car Insurance For Senior Drivers – GEICO
GEICO offers the cheapest car insurance policy for seniors in Odessa, at an average rate of $89 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $93 | $1,116 |
| Farmers | $96 | $1,152 |
| GEICO | $89 | $1,068 |
| Progressive | $98 | $1,176 |
| State Farm | $91 | $1,092 |
Cheapest Car Insurance In Odessa For Teenagers – State Farm
Teenage drivers in Odessa can find the cheapest quotes from State Farm, with average monthly premiums of $302.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $334 | $4,008 |
| Farmers | $348 | $4,176 |
| GEICO | $319 | $3,828 |
| Progressive | $341 | $4,092 |
| State Farm | $302 | $3,624 |
Find Affordable Odessa Rates
Cheapest Car Insurance In Odessa After A Speeding Ticket – State Farm
State Farm offers the cheapest car insurance in Odessa, with average rates of $131 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $148 | $1,776 |
| Farmers Insurance | $153 | $1,836 |
| GEICO | $139 | $1,668 |
| Progressive | $145 | $1,740 |
| State Farm | $131 | $1,572 |
Cheapest For Drivers With After At-Fault Accident – USAA
USAA offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $144 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $163 | $1,956 |
| GEICO | $157 | $1,884 |
| Progressive | $169 | $2,028 |
| State Farm | $149 | $1,788 |
| USAA | $144 | $1,728 |
Cheapest Rates In Odessa For Drivers After A DUI – State Farm
State Farm offers the cheapest rates for drivers after a DUI in Odessa, with average monthly premiums of $158.
Drivers in Odessa with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $174 | $2,088 |
| Farmers | $181 | $2,172 |
| GEICO | $166 | $1,992 |
| Progressive | $186 | $2,232 |
| State Farm | $158 | $1,896 |
Best Car Insurance Companies In Odessa
Drivers in Odessa can find the most affordable insurance with USAA for $118 a month. Odessa drivers might want to also consider Texas Farm Bureau at $126 a month, or State Farm at $132 per month.
Shown below are the top 10 car insurance companies in Odessa, TX, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $163 |
| Dairyland | $176 |
| Farmers | $154 |
| GEICO | $141 |
| Liberty Mutual | $172 |
| Nationwide | $158 |
| Progressive | $149 |
| State Farm | $132 |
| Texas Farm Bureau | $126 |
| USAA | $118 |
Average Car Insurance Cost In Odessa
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Odessa is $166 per month, compared to the Texas state average of $170, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| Texas | $170 |
| Odessa | $166 |
Average Auto Insurance Rates In Odessa – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $5,060 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | 5,060 |
| 20s | 2,740 |
| 30s | 2,080 |
| 40s | 1,950 |
| 50s | 1,840 |
| 60s | 1,880 |
| 70s | 2,070 |
Average Car Insurance Rates In Odessa – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Odessa for different vehicles.
| Vehicle | Average Monthly Rate |
| Chevrolet Traverse | $174 |
| Dodge Charger | $189 |
| Ford Edge | $171 |
| Hyundai Sonata | $164 |
| Jeep Grand Cherokee | $178 |
Find Affordable Odessa Rates
Average Cost Of Auto Insurance In Odessa – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Odessa.
| Zip Code | Average Monthly Rate |
| 79761 | $171 |
| 79762 | $165 |
| 79763 | $176 |
| 79764 | $168 |
| 79765 | $173 |
How Much Is Car Insurance In Other Cities In Texas?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Lubbock can expect to pay around $107 per month for car insurance, while residents of Houston pay an average rate of $168 per month.
| City | Average Monthly Rate |
| Abilene | $142 |
| Lubbock | $107 |
| Arlington | $158 |
| Amarillo | $108 |
| Austin | $162 |
| Tyler | $111 |
| Baytown | $148 |
| Beaumont | $126 |
| Mckinney | $152 |
| Dallas | $166 |
| Alpine | $149 |
| El Paso | $147 |
| Fort Worth | $160 |
| Laredo | $117 |
| Brownsville | $125 |
| Temple | $156 |
| Houston | $168 |
| Irving | $155 |
| Killeen | $146 |
| San Angelo | $118 |
| Bryan | $156 |
| Midland | $143 |
| Longview | $161 |
| Pasadena | $154 |
| Plano | $152 |
| McAllen | $159 |
| Sherman | $153 |
| Victoria | $114 |
| San Antonio | $159 |
| Wichita | $141 |
FAQs
Who has the lowest car insurance rates in Odessa?
The lowest car insurance rates in Odessa are offered by State Farm for the minimum coverage required by the State of Texas and State Farm for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Odessa?
The average cost of car insurance in Odessa is about $166 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Odessa, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
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About Bob Phillips
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