+120 more)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers pay an average of $164 per month for car insurance in Odessa, Texas. Rates in Odessa are similar to Texas’ state average but exceed the national average. The city’s risk of hazards like heat, fire, drought, and flooding may contribute to these higher insurance costs.[1]
But several companies have rates that will make your wallet happier. State Farm, Mile Auto, and Allstate have the cheapest car insurance options in Odessa, according to our data. You could get coverage as low as $57 per month.
This guide reveals the best insurance companies for different types of drivers in Odessa and compares rates to help you save on car insurance.
State Farm offers the cheapest coverage in Odessa, at $57 per month, though individual premiums vary based on personal factors.
Odessa drivers pay $112 per month for liability coverage, while full coverage costs $216 per month.
Texas minimum insurance requirements include $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage coverage.[2]
Despite Odessa’s average rates, some auto insurance companies offer prices that might surprise you. That’s why you should always explore your options first. Car insurance comparison sites can help you land better deals.
The table below highlights the cheapest car insurance coverage choices in Odessa, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $57 |
| Mile Auto | $71 |
| Allstate | $81 |
| GEICO | $100 |
| USAA | $102 |
| Progressive | $105 |
| Mercury | $106 |
| Dairyland | $118 |
| Root | $118 |
| The General | $119 |
| Bristol West | $122 |
| AssuranceAmerica | $129 |
| Commonwealth Casualty | $129 |
| Nationwide | $129 |
| Clearcover | $133 |
| Safeco | $135 |
| GAINSCO | $136 |
| Direct Auto | $146 |
| National General | $149 |
| Elephant | $156 |
| Chubb | $174 |
| 21st Century | $201 |
| Liberty Mutual | $253 |
The companies above are a good starting lineup. But your actual rates could change based on everything from your ZIP code and credit to that car accident from two years ago you’d rather forget.
Here’s a breakdown of the most affordable insurance companies for different driver profiles and coverages, according to our data.
Driver or Policy Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $57 |
| Full coverage | State Farm | $94 |
| Teens | State Farm | $114 |
| Seniors | State Farm | $44 |
| Drivers with a speeding ticket | State Farm | $70 |
| Drivers with an at-fault accident | State Farm | $74 |
| Drivers with a DUI | State Farm | $79 |
| Drivers with excellent credit | State Farm | $48 |
| Drivers with poor credit | State Farm | $82 |
Comparing quotes can save you up to $867.†
In Odessa, minimum car insurance coverage costs an average of $112 per month, according to Compare.com data. It’s enough to meet the basic requirements and keep you legal on the road.
But state minimums might not cover all damages in a serious accident, which is why most insurance experts recommend buying more coverage.[3] The five companies below offer the most affordable rates for liability car insurance in Odessa, according to our research.
Most drivers get the best value from full coverage. It combines basic liability car insurance with comprehensive and collision insurance to pay for repair costs for your own vehicle, covering damage, theft, and weather-related incidents. Full coverage in Odessa averages $216 per month, according to our research.
It costs a bit more, but several insurers offer full coverage for rates that hover close to what you’d pay for liability coverage alone. Plus, if you finance or lease your vehicle, your lender will require full coverage anyway (it’s how they protect their investment).[4]
The chart below highlights the five cheapest car insurance companies in Odessa for a full-coverage auto policy, according to Compare.com data.
It’s common knowledge that teens pay high insurance costs. A family’s auto premiums can jump 50% to 100% when adding teens to their plan, according to the Insurance Information Institute. Young drivers have more accidents than older drivers, and car crashes are a top cause of death among U.S. teens, according to the Centers for Disease Control and Prevention.
Odessa teens pay an average of $324 per month for car insurance coverage, according to our data.
But smart car insurance shopping can still lead to reasonable deals. Consider the table below that shows the five companies with the most affordable options for teen car insurance, according to Compare.com data.
The most affordable auto insurance rates go to drivers in their golden years, thanks to decades of experience with a driver’s license. Seniors in Odessa pay an average of $139 per month for coverage, according to our data.
Older drivers already pay lower rates, but you can squeeze out additional savings by shopping around. Our research shows these are the top five cheapest car insurance companies for seniors in Odessa.
Insurers view tickets as red flags indicating higher risk. That’s why your premiums can climb when your policy renews after a ticket. Our research found that a single speeding ticket can bump up rates by an average of 36% nationwide.
Car insurance for drivers in Odessa with a recent ticket costs around $198 per month, according to Compare.com data. You might be able to find a lower rate — some companies go easier on minor violations than others.
Here are the five cheapest car insurers in Odessa after a speeding ticket, according to our data.
Accidents can happen to even the most careful drivers in Odessa. Unfortunately, our research shows that a single at-fault crash typically raises premiums by 40% across the country. It can turn what used to be manageable monthly payments into sky-high bills.
The aftermath means Odessa drivers with recent accidents face average monthly costs of $212, according to Compare.com data. But some insurers are more forgiving than others when an accident shows up on your driving record.
Check out the five companies in the chart below for the best rates after a car accident, according to our research.
A DUI hits your insurance rates harder than almost any other driving mishap. Our research shows premiums typically jump by 61% nationwide after a DUI conviction. This reflects the serious nature of this violation and the significant risk it represents to insurers.
Odessa drivers with DUI convictions face average monthly premiums of $212, according to Compare.com data. Though these amounts look daunting, you don’t have to accept the first insurance quote you receive.
Some companies specialize in high-risk coverage and offer more reasonable rates for drivers working to rebuild their records. The chart below highlights your five best options in Odessa after a DUI, according to our data.
In Texas, your credit history influences how much you pay for car insurance. Insurers check your credit because studies show that people who manage money well tend to file fewer claims.[5]
Drivers with poor credit pay 20% more than drivers with great credit, according to our research. The average monthly cost of coverage is $205 for drivers with poor credit in Odessa, according to Compare.com data.
But some companies care less about your credit history and more about how you actually drive. The insurers below offer fair rates even if your credit isn’t perfect, according to our data.
No single insurance company works perfectly for every driver in Odessa. The best company for you depends on your age, driving habits, budget, and personal preferences. We analyzed average rates, discount options, customer satisfaction scores, and coverage options for Odessa residents and selected the following companies.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $176/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is among our top choices for Odessa drivers because of its customer satisfaction record. It scored above average among Texas insurers in J.D. Power’s 2025 U.S. Auto Insurance Study.
While you won’t find an office in your area, auto policy management is easy. You get online access, and the mobile app consistently gets great reviews on Android and iOS.
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $132/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $224/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide earned the top spot in J.D. Power’s 2025 U.S. Auto Insurance Study for both overall customer satisfaction among Texas insurers and for its usage-based insurance program. The company’s SmartRide program saves you 15% just for enrolling, with up to 40% in savings possible. Features like accident forgiveness and a vanishing deductible provide more value.
Big savings for usage-based insurance
Accident forgiveness and vanishing deductible
11 local offices in Odessa
Limited optional coverages
Fewer discounts than competitors
Insurance products vary by agent
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $278/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $435/mo |
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Amica stands out as the gold standard for claims handling in the car insurance industry, according to J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study. What makes Amica different is its mutual company structure, where policyholders actually own the company. This means potential dividend returns of 20% of your premium each year.
Outstanding claims satisfaction score
Discounts for bundling auto and home insurance
Possible 20% dividend back in your pocket
Not many add-on coverages
Coverage not available in Hawaii
Website quotes don’t guarantee final rates
Local rates start as low as $57 per month.
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Texas, like most states, has auto insurance laws that make coverage mandatory for every driver. Here are the state’s requirements if you want to hit the road:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $25,000 per accident
Uninsured/underinsured motorist: Insurers must offer this coverage, but you can decline it in writing
Personal injury protection (PIP): A Texas auto policy includes PIP coverage, though you can also decline this in writing
While Texas’ basic liability limits meet state requirements, most experts recommend higher limits. Lenders require full coverage (comprehensive and collision) if you finance or lease your vehicle.
The Texas Department of Insurance warns that minimum limits often fall short in multi-vehicle accidents or if you total your vehicle. You’d pay the difference out of pocket and face potential lawsuits from injuries you cause.
Here are quick answers to the most common questions we hear from Odessa drivers shopping for auto insurance protection.
Drivers in Odessa pay an average of $164 per month for coverage, according to our data. Liability-only insurance plans average $112 per month, while full coverage costs around $216.
State Farm offers the lowest average rates, according to our data. Its auto policy comes in at an average monthly premium of $57.
Yes. Odessa’s rates are higher than the national average, with drivers paying $164 per month compared to the national average of $137 per month. That said, your car insurance costs depend on your specific situation, including your area ZIP code, driving record, age, and coverage choices.
Lowering your Texas car insurance cost is possible if you shop around with multiple companies, ask about discounts, consider raising your deductible, maintain good credit, and keep a clean driving record.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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