Car insurance in Midland, TX, averages about $206 a month ($2,470 a year) for full coverage and $59 a month for the Texas minimum. In Odessa, it’s about $217 a month ($2,606 a year) and $61 a month. Those figures come from insurers’ filed rates as of August 31, 2026 for a 40-year-old driver with a clean record. State Farm and Auto Club (AAA) have the lowest full-coverage averages in both cities.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.
Midland and Odessa sit 20 miles apart on I-20, but Odessa drivers pay about $136 a year more for full coverage. Minimum coverage is the Permian Basin’s bargain: Midland’s $59-a-month average is the lowest of any city we track in Texas.
What makes the Basin unusual is how far apart insurers are. Progressive’s full-coverage averages are about $324 a month in Midland and $362 in Odessa, roughly double the cheapest companies. Heavy oilfield truck traffic and long highway commutes are part of what insurers are pricing.
How Much Is Car Insurance in Midland and Odessa?
In Midland, full coverage averages $2,470 a year ($206 a month) and state-minimum coverage $712 a year ($59 a month). In Odessa, full coverage averages $2,606 a year ($217 a month) and state-minimum coverage $737 a year ($61 a month). The Texas averages are $2,513 and $848.
Full-coverage averages by ZIP code, from lowest to highest, are 79707 ($2,417), 79705 ($2,444), 79701 ($2,474), 79703 ($2,487), 79706 ($2,524) in Midland and 79765 ($2,538), 79764 ($2,587), 79763 ($2,606), 79762 ($2,608), 79766 ($2,649), 79761 ($2,651) in Odessa.
- Midland: $2,470 full coverage, $712 minimum
- Odessa: $2,606 full coverage, $737 minimum
- Texas average: $2,513 full coverage, $848 minimum
Cost data comes from insurers’ filed auto rates across 11 ZIP codes in Midland and Odessa, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Companies in Midland
- Cheapest for full coverage: State Farm ($164 a month) and Auto Club (AAA, $167) are effectively tied.
- Cheapest for minimum coverage: Auto Club (AAA), State Farm and GEICO are effectively tied at about $57 to $58 a month.
- Military and veteran households: USAA’s averages are about $167 a month for full coverage and $37 for minimum coverage.
- Highest price: Progressive averages about $324 a month for full coverage.
This table uses Midland’s 5 ZIP codes. Texas Farm Bureau can come in cheaper still if you’re willing to join the Farm Bureau. See how we calculated these rates.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| State Farm | $694 | $58 | $1,971 | $164 |
| Auto Club (AAA) | $684 | $57 | $2,002 | $167 |
| USAA (military families) | $446 | $37 | $2,008 | $167 |
| GEICO | $698 | $58 | $2,484 | $207 |
| Progressive | $1,039 | $87 | $3,883 | $324 |
| Texas Farm Bureau* | $438 | $37 | $1,409 | $117 |
| Allstate* | $1,394 | $116 | $4,479 | $373 |
| Farmers* | $2,239 | $187 | $6,545 | $545 |
Cheapest Car Insurance Companies in Odessa
- Cheapest for full coverage: Auto Club (AAA), at about $168 a month ($2,016 a year), about $6 a month less than State Farm.
- Cheapest for minimum coverage: GEICO and State Farm are effectively tied at about $59 and $60 a month.
- Military and veteran households: USAA’s averages are about $171 a month for full coverage and $39 for minimum coverage.
- Highest price: Progressive averages about $362 a month for full coverage, $2,322 a year more than Auto Club (AAA).
This table uses Odessa’s 6 ZIP codes. Texas Farm Bureau may come in lower still, but it’s open only to Farm Bureau members.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Auto Club (AAA) | $738 | $62 | $2,016 | $168 |
| USAA (military families) | $465 | $39 | $2,055 | $171 |
| State Farm | $719 | $60 | $2,087 | $174 |
| GEICO | $711 | $59 | $2,536 | $211 |
| Progressive | $1,052 | $88 | $4,338 | $362 |
| Texas Farm Bureau* | $447 | $37 | $1,514 | $126 |
| Allstate* | $1,423 | $119 | $4,814 | $401 |
| Farmers* | $2,286 | $191 | $7,034 | $586 |
Driving and Insurance in the Permian Basin
Oilfield traffic changes the risk on Basin roads. Large trucks, long rural highways and high speeds on I-20 and State Highway 191 make serious crashes more costly, and the Texas minimum of $30,000 per injured person can run out quickly.
Better limits are cheap here. Moving from 50/100/50 to 100/300/100 liability, with comprehensive and collision on both, adds only about $164 a year in Midland and $180 in Odessa. Hail and windstorms are also common in West Texas, so keep comprehensive if your car is worth insuring.
How Midland–Odessa Car Insurance Compares With Other Texas Cities
Midland–Odessa averages $206 a month, about $15 less than Lubbock and $28 less than Amarillo, though El Paso comes in slightly lower at $198.
Every Texas city we price is in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
What Car Insurance Is Required in Midland and Odessa?
Texas sets the rules for every driver in Midland and Odessa. To register and drive a car, you need liability insurance of at least:
- $30,000 for injuries to one person
- $60,000 for injuries to everyone in one crash
- $25,000 for damage to other people’s property
That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.
How to Lower Your Car Insurance Rate in Midland and Odessa
The spread between insurers is huge in the Permian Basin, about $194 a month for full coverage in Odessa and $159 in Midland. Comparing companies is the first step:
- Quote Auto Club (AAA) and State Farm. They have the lowest full-coverage averages in both cities.
- Compare at least three companies. The most expensive insurer here charges about twice the cheapest.
- Check USAA if you qualify. Its minimum-coverage prices are the lowest in our data.
- Tell your insurer about your commute. Mileage affects your rate, and some insurers price long highway drives differently.
- Consider higher liability limits. They cost little here and protect you in a serious crash with a commercial vehicle.
- Shop again at renewal. Texas filed rates change often.
- Want to save even more? Bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Texas home insurance rates.
Midland–Odessa Car Insurance Rates by County
Across the 2 Midland–Odessa-area counties we sample, full coverage runs from $206 to $217 a month. Ector County costs the most. These figures use the same filed-rate data and benchmark driver as the rest of this page, and counties we don’t sample aren’t listed.
| County | ZIP Codes Sampled | State Minimum /mo | Full Coverage /mo | Full Coverage /yr |
|---|---|---|---|---|
| Ector County | 6 | $61 | $217 | $2,606 |
| Midland County | 5 | $59 | $206 | $2,470 |
| Texas average | 1019 | $71 | $209 | $2,513 |
More Midland–Odessa Car Insurance Breakdowns
Beyond ZIP code and insurer, the car you drive and your age move the price too. The tables in this section come from an additional InsuranceQuotes rate analysis with its own driver profile and assumptions, so compare the categories within each table to see where the biggest differences are.
Midland–Odessa Car Insurance Costs by County and Vehicle Type
This breakdown shows how the type of car changes the price in each county in the Midland–Odessa area. Across the 4 counties listed, SUV policies cost the least on average and hybrid policies the most, about 23% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Ector | $1,283 | $1,102 | $1,228 | $1,280 | $1,347 |
| Martin | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Midland | $1,155 | $994 | $1,106 | $1,155 | $1,215 |
| Avg. Yearly Costs: | $1,187 | $1,017 | $1,131 | $1,191 | $1,254 |
| Monthly Costs: | $98.94 | $84.78 | $94.25 | $99.25 | $104.53 |
New Car Insurance Rates in Texas
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Car Insurance Costs by Age in Texas
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s as drivers build a clean record.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
How We Calculated Midland-Odessa Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 176 quotes (88 full coverage and 88 state minimum) from 8 insurance companies, grouped into 5 brands, in 11 ZIP codes (5 in Midland and 6 in Odessa).
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
- Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new filed-rate data is released.
Midland-Odessa Car Insurance FAQ
Full coverage in Midland costs about $206 a month ($2,470 a year) on average for our benchmark driver, and state-minimum coverage about $59 a month ($712 a year), based on insurers’ filed rates as of August 31, 2026.
Full coverage in Odessa averages about $217 a month ($2,606 a year) and state-minimum coverage about $61 a month ($737 a year) for the same driver.
In Midland, State Farm and Auto Club (AAA) are effectively tied for full coverage at about $164 and $167 a month. In Odessa, Auto Club (AAA) is cheapest at about $168 a month.
Midland. Full coverage averages $2,470 a year in Midland and $2,606 in Odessa for the same driver, and Midland’s minimum coverage is the cheapest of the Texas cities we track.
You need at least $30,000 of bodily injury liability per person, $60,000 per crash and $25,000 of property damage liability, known as 30/60/25. Insurers add PIP and uninsured/underinsured motorist coverage automatically, and you can decline them only in writing.
Each insurer weighs local risks like oilfield truck traffic, long commutes and storm damage differently. In our data, the most expensive company charges about twice as much as the cheapest for the same Midland or Odessa driver, so comparing quotes pays off.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
