Odessa drivers pay an average of $2,720/year — $949 more than the national average. With 1,415 crashes per year and a 2.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $1,004/year.
(888) 217-6781Estimated full coverage auto insurance rates for Odessa, TX from top carriers. Rates are adjusted for Odessa's 1,415 annual crashes, 2.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $905 | $151/mo |
| GEICO | $1,031 | $172/mo |
| Progressive | $1,164 | $194/mo |
| State Farm | $1,271 | $212/mo |
| Allstate | $1,550 | $258/mo |
Estimates based on 2026 rate filings for ZIP 79761. USAA is cheapest at ~$151/mo. Actual rates vary by driver profile and exact Odessa location.
These Odessa-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Odessa, TX. Takes under 2 minutes.
(888) 217-6781Odessa is a mid-size city in Texas with a population of 114,428. While it avoids the extreme congestion of larger metros, Odessa has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in Odessa typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Odessa can swing your premium by hundreds of dollars. Here's how rates compare across Odessa neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 79773 | Odessa South Side | $2,598/yr | $217/mo |
| 79762 | Odessa North Side | $2,613/yr | $218/mo |
| 79773 | Odessa West Side | $2,712/yr | $226/mo |
| 79771 | Odessa East Side | $2,737/yr | $228/mo |
| 79761 | Odessa Downtown/Central | $2,944/yr | $245/mo |
The cheapest ZIP is 79773 (Odessa South Side) at $2,598/yr. The most expensive is 79761 (Odessa Downtown/Central) at $2,944/yr — a $346/year difference for the same driver.
Your Odessa ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Odessa. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,712/yr | $476/mo | +110% vs avg |
| Young Adult (20-25) | $3,808/yr | $317/mo | +40% vs avg |
| Adult (26-35) | $2,720/yr | $227/mo | 0% vs avg |
| Mid-Career (36-50) | $2,394/yr | $200/mo | -12% vs avg |
| Senior (51-65) | $2,258/yr | $188/mo | -17% vs avg |
| 65+ | $2,421/yr | $202/mo | -11% vs avg |
Teens in Odessa pay an average of $5,712/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,258/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Odessa drivers can save up to $1,004/year. ZIP 79773 (Odessa South Side) has the lowest rates starting at $2,598/yr.
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