Cheapest Auto Insurance in Odessa, Texas (2024)

The average cost of car insurance in Odessa, Texas, is $188 a month — which is more than the national average of $158.

Many factors affect car insurance premiums, such as weather, traffic patterns, and crime rates. Odessa experiences a relatively large number of car thefts and accidents compared to its population and size, which can contribute to its more expensive car insurance rates.^{[1] [2]}

Here’s what you need to know about getting cheap car insurance in Odessa, Texas.

3 of the cheapest car insurance companies in Odessa

Before diving into which car insurance companies offer the cheapest rates in Odessa, it’s important to note that the lowest price may not correlate with the best policy for your needs. You should choose a company that’s reliable, has the features you need, and can offer you the right amount of coverage for the best price.

Best insurer for discounts: State Farm

Best insurer for bundling: GEICO

Best insurer for low-mileage drivers: Mile Auto

How to get the cheapest car insurance in Odessa

If you’re looking to save on your car insurance policy in Odessa, here are some money-saving tips that can help you find cheap car insurance:

• Compare quotes. To find the best policy that suits your needs and budget, start by comparing quotes from multiple insurance companies. The cheapest auto insurance company for you offers the lowest rate for the coverage you want.

• Bundle multiple policies. If you already have another form of insurance — such as homeowners insurance, renters insurance, or life insurance — from an insurer, check if that insurance company also offers auto insurance. Many companies provide bundling discounts for customers with multiple policies.

• Choose the right car. Choose a less expensive car, as they’re cheaper to repair and replace, resulting in lower insurance claims. This choice can lead to significant savings on your car insurance premium.

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Cheapest liability-only car insurance in Odessa: State Farm

Liability-only car insurance provides coverage for damages you cause to others in an accident. It covers their medical expenses and property damage. It doesn’t cover your own car. Drivers often choose this type of coverage when they drive older or less valuable vehicles.

Liability-only coverage, also called minimum coverage, averages $105 per month in Odessa, according to Insurify data. The following table outlines the cheapest liability-only car insurance policies in Odessa.

Cheapest full-coverage car insurance in Odessa: State Farm

The main difference between liability-only and full-coverage car insurance is what they protect. Liability insurance covers damages you cause to others, while full-coverage also includes protection for your own vehicle.

Full coverage is beneficial for drivers with newer or high-value cars, as it provides comprehensive protection in case of accident, theft, or natural disaster. In Odessa, the average cost of full-coverage car insurance is $271 a month.

The next table gives a look at the lowest average rates for full-coverage policies in Odessa.

Car insurance requirements in Texas

In most states, including Texas, liability car insurance coverage is mandatory. Texas, being an at-fault state, requires Odessa drivers to have a certain level of liability insurance to cover damage and medical expenses for other parties in accidents they cause.

These are the minimum-coverage requirements in Texas:^[4]

While you must maintain the minimum coverage levels in Texas, you have the option to enhance your auto insurance policy with the following additional coverages:

• 

  Collision coverage

  Collision coverage takes care of vehicle damages if you hit stationary objects or other vehicles.

• 

  Comprehensive coverage

  Comprehensive coverage deals with damages stemming from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.

• 

  Glass coverage

  Don’t overlook the significance of glass protection, which includes windshield and glass damage, and potentially provides no-deductible coverage for side windows, rear windows, and glass sunroofs.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage steps in when an uninsured or inadequately insured driver is responsible for an accident, covering your damages and injuries.

• 

  Gap coverage

  If you financed or leased your vehicle, gap insurance covers the difference between your auto loan balance and the insurance settlement in case of a total loss.

Cheapest car insurance for drivers with an incident

Finding the most affordable car insurance when you have incidents on your driving record — such as speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations — is a top priority. Incidents raise insurance rates due to the increased risk they signal to car insurance companies. Insurance companies view drivers with incidents as more likely to file claims, which results in higher premiums.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets can significantly affect your car insurance rates due to the increased risk they signal to insurance companies. When you receive a speeding ticket, it suggests a tendency to engage in risky behavior behind the wheel, which makes you more likely to be involved in accidents. Insurance companies adjust your rates to compensate for this higher risk, potentially leading to higher premiums. Multiple tickets or severe violations may result in even steeper rate increases.

The overall average rate for drivers with a speeding ticket in the city is $267 a month. If you have speeding tickets on your record, you may want to research the following Odessa insurance companies.

Cheapest car insurance for drivers with an at-fault accident: State Farm

At-fault accidents can significantly affect your car insurance rates because they indicate a higher risk of future claims. When you’re responsible for an accident, auto insurance companies see you as a more accident-prone driver.

To cover the potential cost of your future claims, insurers may increase your premiums. With an at-fault accident, car insurance costs an overall average of $284 a month in Odessa.

This table outlines the insurance companies that offer the lowest rates for drivers with accidents on their records in Odessa.

Cheapest car insurance for drivers with a DUI: State Farm

Alcohol and drugs were a factor in more than 22,000 car crashes in Texas in 2022.^[5] DUIs significantly affect your car insurance rates because they signify a high level of risk. When you have a DUI conviction, insurance companies perceive you as a driver with impaired judgment and consider you more likely to be involved in accidents.

To cover the potential costs of these accidents, insurance companies increase your premiums substantially. Additionally, some insurers may even choose not to renew your policy.

Car insurance costs are an overall average of $322 a month for drivers in Odessa with a DUI. Review the following table to see which auto insurance companies tend to offer the lowest rates to drivers with DUIs.

Cheapest car insurance for seniors: State Farm

Car insurance rates tend to decrease around age 35 as you gain experience and maintain a good driving record. However, rates start to increase around age 75 due to factors like reduced reaction times and increased vulnerability to accidents.^[6] Insurance companies view older drivers as a slightly higher risk, resulting in an uptick in premiums.

On average, senior drivers in Odessa pay $134 a month for car insurance. This next table can help senior drivers find the cheapest car insurance in Odessa.

Cheapest car insurance for teens: GEICO

Teenagers often face considerably higher car insurance rates than adults due to their limited driving experience and the higher risk associated with young drivers. Inexperienced teens are more prone to accidents, leading insurance companies to charge more for premiums. On average, teens and young drivers pay $320 a month for car insurance in Odessa.

However, teenagers can still get affordable car insurance. One effective approach is staying on a parent’s insurance policy, benefitting from their parent’s established driving history. Opting for a safe, reliable car with advanced safety features can also help lower premiums. Additionally, maintaining good grades can lead to a good student discount, reducing insurance costs for responsible students.

These auto insurance companies offer the lowest average rates for teen drivers in Odessa.

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Odessa car insurance quotes by credit tier

In the state of Texas, car insurance companies are allowed to take your credit history into account when determining rates.^[3] The higher your credit score is, the less you tend to pay for car insurance. Drivers with good and excellent credit scores usually pay less for car insurance than drivers with poor credit scores.

In Odessa, this is how average car insurance rates vary based on credit score.

Is car insurance more expensive in Odessa?

The nationwide average cost for a car insurance policy is $213 a month for full coverage and $104 for a liability-only policy. Unfortunately, you should plan to spend a bit more than that if you live in Odessa.

Drivers in Odessa can expect to spend an average of $271 a month for full coverage and $105 for liability-only coverage. The exact ZIP code you live in causes variations in how much you spend on car insurance thanks to factors like weather, crime rates, and traffic patterns.

More cities in Texas

Here’s how other Texas cities’ average rates compare to Odessa’s car insurance rates:

Odessa car insurance FAQs