For a 40-year-old driver with a clean record, Midland–Odessa car insurance averages about $243 a month ($2,913 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 3% below the Texas average of $251 a month. Auto Club (AAA) and State Farm are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $168 and $169 a month.
Across Midland and Odessa, full coverage for our benchmark driver averages about $243 a month, 3% below the Texas average. Midland averages $235 and Odessa $250.
Auto Club (AAA) and State Farm are effectively tied for the lowest average among insurers anyone can buy from. Across the 11 ZIP codes we price, averages run from about $233 a month in 79705 and 79707 to $257 in 79766.
Cost data comes from the auto rates insurers file with state regulators, priced across the 11 Midland and Odessa ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in Midland–Odessa averages $2,913 a year, or about $243 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $865 a year ($72 a month), and 50/100/50 liability with comprehensive and collision averages $2,710 ($226 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $400 a month is 1.9 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Midland–Odessa average would be about $211 a month.
Auto Club (AAA) and State Farm are effectively tied for the lowest full-coverage average among the insurers in our Midland–Odessa rate data that are among insurers anyone can buy from. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, GEICO, State Farm and Auto Club (AAA) are effectively tied for the lowest average among these five insurers, at about $59 a month each. USAA comes in even lower, at about $39 a month, but it sells only to military families.
Full-coverage averages by insurer in Midland–Odessa
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto Club (AAA) | $713 | $59 | $2,010 | $168 |
| State Farm | $707 | $59 | $2,032 | $169 |
| USAA (military families) | $471 | $39 | $2,109 | $176 |
| GEICO | $705 | $59 | $2,513 | $209 |
| Progressive | $1,037 | $86 | $4,013 | $334 |
| Allstate | $1,554 | $130 | $4,802 | $400 |
| Texas Farm Bureau* | $461 | $38 | $1,422 | $119 |
| Farmers* | $1,169 | $97 | $4,699 | $392 |
| Midland–Odessa average | $865 | $72 | $2,913 | $243 |
This table uses Midland and Odessa ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 11 Midland–Odessa ZIP codes we price, full coverage for our driver ranges from about $233 a month in 79705 and 79707 to $257 in 79766, a gap of $293 a year. Midland ZIP codes are cheaper than Odessa’s in our data: 79705 and 79707 in north and west Midland are the least expensive, and Odessa’s 79763 and 79766 the most expensive.
Lowest-priced Midland–Odessa ZIP codes
Highest-priced Midland–Odessa ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Midland–Odessa’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Area Average: |
|---|---|---|---|---|---|
| 79701 | $851 | $71 | $2,830 | $236 | -3% |
| 79703 | $849 | $71 | $2,839 | $237 | -2% |
| 79705 | $844 | $70 | $2,801 | $233 | -4% |
| 79706 | $804 | $67 | $2,818 | $235 | -3% |
| 79707 | $847 | $71 | $2,793 | $233 | -4% |
| 79761 | $898 | $75 | $3,020 | $252 | +4% |
| 79762 | $892 | $74 | $2,975 | $248 | +2% |
| 79763 | $894 | $75 | $3,051 | $254 | +5% |
| 79764 | $894 | $75 | $2,954 | $246 | +1% |
| 79765 | $851 | $71 | $2,877 | $240 | -1% |
| 79766 | $890 | $74 | $3,086 | $257 | +6% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $203 a year on average in our Midland–Odessa data, with the same $500 deductibles. That’s about $17 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Midland–Odessa ZIP codes, their full-coverage average fell from $2,554 a year 10 months earlier to $2,535 in rates as of Sept. 30, 2026, a 0.7% drop. Progressive cut its Midland–Odessa average 6.3% and Auto Club (AAA) 3.8%, while USAA raised its average 10.5% and GEICO 2.5%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Midland–Odessa average above. Liability-only coverage at 30/60/25 limits fell 2.9%, led by USAA, which cut its liability-only average 13.9%.
Ector County, home to Odessa, averages about $250 a month for full coverage in our data, the 31st-most expensive of the 179 Texas counties we price, while Midland County averages $235. The Texas Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.
Liability-only coverage is inexpensive here: GEICO, State Farm and Auto Club are effectively tied at about $59 a month.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Lubbock, about 110 miles north, averages $263 a month, and El Paso, about 260 miles west, $244.
Drivers in Midland–Odessa follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the two counties in the Midland–Odessa area and 11 ZIP codes we price there, full coverage runs from about $235 a month in Midland County to $250 in Ector County. The Texas average is $251. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Ector County | 6 | $886 | $74 | $2,994 | $250 |
| Midland County | 5 | $839 | $70 | $2,816 | $235 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Midland–Odessa averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the three counties in this table, 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 |
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 |
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.
| 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 |
For our benchmark driver, full coverage in Midland–Odessa averages about $243 a month ($2,913 a year) and liability-only coverage about $72 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 3% below the Texas average of $251 a month. Without Allstate, the Midland–Odessa average is about $211 a month.
Auto Club (AAA) and State Farm are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Midland–Odessa rate data, at about $168 and $169 a month. GEICO’s average is next, at $209. For liability-only coverage, GEICO, State Farm and Auto Club (AAA) are effectively tied for the lowest average among the five major insurers we compared. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Midland, for our benchmark driver. Midland full coverage averages about $235 a month and Odessa about $250, a difference of about $15 a month.
In our data, 79705 and 79707 share the lowest full-coverage average in Midland–Odessa, at about $233 a month, and 79766 the highest, at about $257. The ZIP code table on this page lists all 11.
In our Midland–Odessa data, full coverage (100/300/100 with $500 deductibles) averages about $243 a month and liability-only coverage at 30/60/25 limits about $72, a difference of about $171 a month ($2,048 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Midland–Odessa full-coverage average fell 0.7%, from about $2,554 to $2,535 a year. That’s lower than the Midland–Odessa average of $2,913 because it leaves out Allstate. Progressive cut its Midland–Odessa average 6.3% and Auto Club (AAA) 3.8%, while USAA raised its average 10.5% and GEICO 2.5%. Liability-only coverage at 30/60/25 limits fell 2.9%.
For our benchmark driver, full coverage in Midland–Odessa averages about $243 a month. Nearby, Lubbock averages about $263, Amarillo about $276 and El Paso about $244. Midland–Odessa is the lowest of these, $1 a month below El Paso; prices depend mostly on ZIP code, so compare quotes for your own address.
