Cheapest Auto Insurance in Odessa, Texas (2024)

Odessa drivers can find the cheapest rates with State Farm, which offers liability-only policies as low as $40 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated April 22, 2024

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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.

Quick Facts
  • State Farm, GEICO, and Hugo have the cheapest car insurance rates in Odessa.

  • The average cost of car insurance in Odessa is on par with the Texas average rate of $184 a month.

  • Auto insurers in Texas can use your credit history to determine car insurance premiums.[3]

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.5$64$38Discounts
GEICO4.2$69$42Bundling
Mile Auto3.5$108$53Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for discounts: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$40/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.
$65/mo

Odessa residents have to watch their budgets carefully, thanks to the high cost of living in this Texas city. To help keep auto insurance spending low, drivers will appreciate that State Farm offers some of the lowest average premiums in the city, as well as various discounts.

You can get a discount for getting good grades, taking defensive driving lessons, installing safety features in your car, and more to help you save on your auto insurance premiums. You can also save by bundling your auto insurance policy with one of State Farm’s many insurance products, like renters, home, and life insurance.

Pros
  • No. 2 in J.D. Power’s 2023 U.S. Auto Insurance Study in Texas

  • Multiple available discounts

Cons
  • Doesn’t offer gap insurance

  • Quotes not available online

Read our State Farm review
Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Sandra - April 21, 2024
Verified

Fair

They are the cheapest car insurance around.

Best insurer for bundling: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$43/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.
$72/mo

Amid rising prices, drivers have a lot of expenses, and it makes sense to try to cut costs where possible. Whether you rent or own your home, bundling renters or homeowners insurance with car insurance from one company can be convenient and financially beneficial. With GEICO, you can bundle your auto insurance policy with a condo, renters, homeowners, or mobile home insurance policy.

Your job can also help you save with GEICO. Military members, federal employees, and workers at more than 500 different employers can all qualify for extra savings on their car insurance premiums.

Pros
  • Popular mobile app

  • 24/7 customer service

Cons
  • Gap insurance not available

  • Doesn’t offer rideshare insurance

Read our GEICO review
Rosita - April 22, 2024
Verified

Happy One Day, Sad the Next

One year, my policy was nice and low, but the next year they jacked it up. I didn't even do anything wrong. This really upset me. I never even got a reason why.

Gloria - April 22, 2024
Verified

Poor

Find another insurance company. Geico is too expensive and doesn't live up to their promises.

Louis - April 20, 2024
Verified

Excellent

Good service, good price.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$54/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.
$108/mo

No commute? Working from home can save you a lot on gas and vehicle maintenance. And with the right car insurance company, working from home can also help you save on car insurance. Mile Auto offers pay-per-mile policies in which you spend less when you don’t drive that often. All you have to do to qualify for savings is take a picture of your car’s odometer once a month.

Pros
  • Doesn’t require a telematics device

  • Offers online quotes

Cons
  • Bad for long commutes

  • No J.D. Power rankings available

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.

Find Cheap Car Insurance in Odessa, Texas

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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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm40
GEICO43
Hugo54
Mile Auto54
Allstate55
USAA71
Safeco82
Nationwide93
Mercury96
Midvale Home & Auto99
Progressive99
Dairyland106
Clearcover108
Chubb120
National General124
Liberty Mutual128
Elephant130
Commonwealth Casualty134
Direct Auto136
21st Century138
The General150
GAINSCO152
Bristol West167
State Auto179
AssuranceAmerica186
Infinity193
Foremost221
Hallmark233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm65
GEICO72
Allstate92
Mile Auto108
USAA116
Clearcover143
Hugo147
Mercury152
Travelers163
Nationwide167
Progressive176
Midvale Home & Auto177
Safeco177
Chubb198
Elephant212
21st Century229
AssuranceAmerica241
Liberty Mutual262
Direct Auto268
Dairyland269
National General273
Infinity295
The General303
Bristol West315
State Auto328
GAINSCO330
Commonwealth Casualty343
Foremost443
Hallmark462
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

Learn More: How Much Car Insurance Do You Need?

Learn More: How Much Car Insurance Do You Need?

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm4051
GEICO4355
Hugo5476
Mile Auto5477
Allstate5570
USAA7191
Safeco82114
Nationwide93120
Mercury96142
Progressive99132
Dairyland106141
Clearcover108149
Chubb120156
National General124160
Liberty Mutual128177
Elephant130168
Commonwealth Casualty134167
Direct Auto136180
21st Century138184
The General150200
GAINSCO152190
Bristol West167218
AssuranceAmerica186255
Infinity193255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm4054
GEICO4359
Hugo5474
Mile Auto5483
Allstate5575
USAA7197
Safeco82122
Nationwide93129
Mercury96150
Progressive99141
Dairyland106148
Clearcover108175
Chubb120166
National General124173
Liberty Mutual128188
Elephant130180
Commonwealth Casualty134185
Direct Auto136193
21st Century138195
The General150213
GAINSCO152205
Bristol West167229
AssuranceAmerica186266
Infinity193254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm4065
GEICO4370
Hugo5481
Mile Auto5491
Allstate5590
USAA71116
Safeco82134
Nationwide93152
Mercury96161
Progressive99161
Dairyland106173
Clearcover108176
Chubb120196
National General124202
Liberty Mutual128209
Elephant130212
Commonwealth Casualty134196
Direct Auto136222
21st Century138225
The General150245
GAINSCO152248
Bristol West167272
AssuranceAmerica186303
Infinity193315
Foremost221360
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm4729
GEICO5332
Allstate6941
Mile Auto7738
USAA8653
Mercury11673
Nationwide11765
Progressive11866
Clearcover12594
Chubb13481
Safeco14165
Elephant15595
21st Century16197
AssuranceAmerica166128
Direct Auto19398
Liberty Mutual20098
Dairyland20380
National General20694
The General231114
Bristol West236125
Commonwealth Casualty25299
GAINSCO253117
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm10967
GEICO11166
Allstate15995
USAA188115
Mile Auto204102
Clearcover251189
Hugo26096
Mercury274173
Nationwide280156
Progressive310174
Safeco310144
Elephant344211
Chubb360218
21st Century375226
Dairyland428168
Liberty Mutual433212
AssuranceAmerica455351
The General475235
Direct Auto480243
Infinity486318
National General509231
Bristol West513272
GAINSCO580267
Commonwealth Casualty589230
Foremost776387
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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:

CityFull CoverageLiability Only
Arlington$247$125
Austin$235$129
Dallas$279$138
Fort Worth$242$123
Houston$315$170
Killeen$208$108
Lubbock$238$108
Midland$235$101
Plano$244$123
San Antonio$244$125
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Odessa car insurance FAQs

Learn about how long a DUI can stay on your record, and check out Insurify’s answers to common questions about car insurance in Odessa below.

  • How much is car insurance in Odessa, Texas?

    The average cost of car insurance in Odessa is $271 a month for full coverage and $105 for liability only.

  • Which company has the cheapest car insurance in Odessa?

    State Farm offers the cheapest rates for Odessa drivers, with minimum-coverage policies starting at $40 per month. GEICO and Hugo are the city's second- and third-cheapest insurers, with liability-only rates as low as $43 and $54, respectively.

  • What are the best car insurance companies in Odessa?

    The best car insurance companies in Odessa include State Farm and GEICO. These insurers have solid Insurify Quality (IQ) Scores, high J.D. Power rankings, and strong AM Best ratings. This is just a starting point for your own car insurance research, however. You should always compare quotes and research company reputations to find the best insurer for your needs.

  • How much is car insurance in Texas per month?

    Car insurance in Texas costs an average of $119 a month for liability only and $250 a month for full coverage.

  • What’s the minimum car insurance in Texas?

    Texas requires 30/60/25 liability insurance limits. This translates to $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 per accident for property damage liability coverage.[4]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Federal Bureau of Investigation. "TEXAS Offenses Known to Law Enforcement by City, 2019."
  2. Texas Department of Transportation. "Crashes and Injuries: Cities and Towns 202."
  3. Texas Department of Insurance. "Credit Scoring and Insurance."
  4. Texas Department of Insurance. "Auto insurance guide."
  5. Texas Department of Transportation. "Crash Contributing Factors: 2022."
  6. III. "Senior driving safety and insurance tips."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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