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 $37 per month.
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Written byJacqueline DeMarco
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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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Edited byCourtney Mikulski
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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 October 20, 2024
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Table of contents
The average cost of car insurance in Odessa, Texas, is $186 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 Allstate 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 $182 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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $37 | Discounts |
| GEICO | 9.0 | $73 | $40 | Bundling |
| Mile Auto | 7.5 | $115 | $55 | Low-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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $37/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 |
4.2
Best choiceBased on 8548 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,698)
Karen
October 20, 2024
Verified Review
Not Happy with a 30% Increase Without Apparent Reason
They increase premiums arbitrarily without providing any explanation. I had no accidents or tickets.
Suzanne
October 20, 2024
Verified Review
Just starting
So far, so good!
Sue
October 20, 2024
Verified Review
There must be a less expensive company than State Farm.
Look elsewhere for better prices. Ours increase frequently.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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).
A++Why we picked this company
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
Best insurer for bundling: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $71/mo |
4.0
Best choiceBased on 9891 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,446)
Narasimha Rao
October 20, 2024
Verified Review
Not Value for Money, Always Extra Charges
Initially, it was shown that the monthly cost would be 'x' value. However, it has now increased to 'x+20', 'x+30', 'x+40', which is inconsistent.
Patti
October 20, 2024
Verified Review
Very Expensive Insurance
Their rates have become unaffordable.
Ronald
October 20, 2024
Verified Review
GEICO
The service is good, except for the frequent price increases.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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).
A++Why we picked this company
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
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| 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. | $55/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. | $115/mo |
4.1
Best choiceBased on 49 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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 $106 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $37 |
| GEICO | $40 |
| Allstate | $53 |
| Mile Auto | $55 |
| Hugo | $58 |
| USAA | $66 |
| Nationwide | $83 |
| Mercury | $85 |
| Safeco | $86 |
| Midvale Home & Auto | $98 |
| Progressive | $99 |
| Dairyland | $105 |
| Chubb | $114 |
| Clearcover | $114 |
| National General | $121 |
| 21st Century | $131 |
| Elephant | $132 |
| Direct Auto | $133 |
| Commonwealth Casualty | $137 |
| Liberty Mutual | $137 |
| The General | $140 |
| Bristol West | $151 |
| GAINSCO | $159 |
| State Auto | $174 |
| AssuranceAmerica | $176 |
| Infinity | $196 |
| Hallmark | $197 |
| Foremost | $221 |
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 $267 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $65 |
| GEICO | $71 |
| Allstate | $92 |
| Mile Auto | $115 |
| USAA | $117 |
| Clearcover | $143 |
| Mercury | $143 |
| Hugo | $145 |
| Nationwide | $167 |
| Progressive | $173 |
| Safeco | $174 |
| Midvale Home & Auto | $180 |
| Chubb | $198 |
| Elephant | $222 |
| 21st Century | $229 |
| AssuranceAmerica | $236 |
| National General | $260 |
| Direct Auto | $268 |
| Dairyland | $271 |
| Liberty Mutual | $280 |
| The General | $298 |
| Bristol West | $313 |
| Infinity | $315 |
| State Auto | $337 |
| GAINSCO | $349 |
| Commonwealth Casualty | $365 |
| Foremost | $462 |
| Hallmark | $464 |
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 recent rates near Odessa, Texas
Recent Odessa, Texas car insurance prices for Toyota, Lincoln, Chevrolet , and more.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum 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:
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.
)
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 $255 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $37 | $47 |
| GEICO | $40 | $51 |
| Allstate | $53 | $68 |
| Mile Auto | $55 | $72 |
| Hugo | $58 | $73 |
| USAA | $66 | $84 |
| Nationwide | $83 | $107 |
| Mercury | $85 | $117 |
| Safeco | $86 | $111 |
| Progressive | $99 | $126 |
| Dairyland | $105 | $135 |
| Chubb | $114 | $148 |
| Clearcover | $114 | $148 |
| National General | $121 | $155 |
| 21st Century | $131 | $173 |
| Elephant | $132 | $183 |
| Direct Auto | $133 | $170 |
| Commonwealth Casualty | $137 | $190 |
| Liberty Mutual | $137 | $190 |
| The General | $140 | $181 |
| Bristol West | $151 | $193 |
| GAINSCO | $159 | $220 |
| State Auto | $174 | $242 |
| AssuranceAmerica | $176 | $228 |
| Infinity | $196 | $260 |
| Foremost | $221 | $306 |
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 $271 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $37 | $50 |
| GEICO | $40 | $54 |
| Allstate | $53 | $72 |
| Mile Auto | $55 | $78 |
| Hugo | $58 | $84 |
| USAA | $66 | $90 |
| Nationwide | $83 | $114 |
| Mercury | $85 | $123 |
| Safeco | $86 | $114 |
| Progressive | $99 | $136 |
| Dairyland | $105 | $142 |
| Chubb | $114 | $156 |
| Clearcover | $114 | $166 |
| National General | $121 | $165 |
| 21st Century | $131 | $182 |
| Elephant | $132 | $175 |
| Direct Auto | $133 | $184 |
| Commonwealth Casualty | $137 | $182 |
| Liberty Mutual | $137 | $199 |
| The General | $140 | $193 |
| Bristol West | $151 | $204 |
| GAINSCO | $159 | $207 |
| State Auto | $174 | $258 |
| AssuranceAmerica | $176 | $237 |
| Infinity | $196 | $262 |
| Foremost | $221 | $321 |
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 $308 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $37 | $61 |
| GEICO | $40 | $66 |
| Allstate | $53 | $88 |
| Mile Auto | $55 | $91 |
| Hugo | $58 | $96 |
| USAA | $66 | $109 |
| Nationwide | $83 | $137 |
| Mercury | $85 | $129 |
| Safeco | $86 | $142 |
| Progressive | $99 | $164 |
| Dairyland | $105 | $174 |
| Chubb | $114 | $188 |
| Clearcover | $114 | $188 |
| National General | $121 | $200 |
| 21st Century | $131 | $217 |
| Elephant | $132 | $218 |
| Direct Auto | $133 | $220 |
| Commonwealth Casualty | $137 | $227 |
| Liberty Mutual | $137 | $227 |
| The General | $140 | $231 |
| Bristol West | $151 | $250 |
| GAINSCO | $159 | $263 |
| State Auto | $174 | $288 |
| AssuranceAmerica | $176 | $291 |
| Infinity | $196 | $324 |
| Foremost | $221 | $365 |
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 $145 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $49 | $28 |
| GEICO | $55 | $31 |
| Allstate | $72 | $41 |
| Mile Auto | $84 | $40 |
| USAA | $91 | $51 |
| Mercury | $108 | $64 |
| Hugo | $112 | $45 |
| Clearcover | $116 | $92 |
| Progressive | $120 | $69 |
| Nationwide | $121 | $60 |
| Chubb | $140 | $81 |
| Safeco | $142 | $70 |
| 21st Century | $166 | $95 |
| AssuranceAmerica | $173 | $129 |
| Elephant | $175 | $104 |
| National General | $194 | $90 |
| Direct Auto | $203 | $101 |
| Dairyland | $210 | $81 |
| Liberty Mutual | $227 | $111 |
| Infinity | $232 | $145 |
| The General | $236 | $111 |
| Bristol West | $244 | $118 |
| State Auto | $249 | $129 |
| Commonwealth Casualty | $283 | $106 |
| GAINSCO | $285 | $130 |
| Foremost | $357 | $171 |
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: State Farm
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 $336 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $113 | $64 |
| GEICO | $115 | $65 |
| Allstate | $165 | $95 |
| USAA | $199 | $112 |
| Mile Auto | $227 | $108 |
| Hugo | $242 | $97 |
| Mercury | $261 | $155 |
| Clearcover | $279 | $222 |
| Nationwide | $294 | $146 |
| Progressive | $313 | $179 |
| Safeco | $353 | $174 |
| Elephant | $370 | $220 |
| Chubb | $379 | $218 |
| 21st Century | $393 | $225 |
| AssuranceAmerica | $442 | $330 |
| Dairyland | $453 | $176 |
| The General | $484 | $228 |
| Direct Auto | $496 | $246 |
| Liberty Mutual | $504 | $247 |
| National General | $520 | $242 |
| Bristol West | $539 | $260 |
| Infinity | $583 | $362 |
| State Auto | $609 | $315 |
| GAINSCO | $620 | $282 |
| Commonwealth Casualty | $650 | $244 |
| Foremost | $835 | $400 |
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 $211 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 $267 a month for full coverage and $106 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:
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Arlington | $255 | $127 |
| Austin | $243 | $129 |
| Dallas | $284 | $135 |
| Fort Worth | $245 | $121 |
| Houston | $324 | $170 |
| Killeen | $211 | $106 |
| Lubbock | $234 | $106 |
| Midland | $241 | $100 |
| Plano | $244 | $125 |
| San Antonio | $245 | $123 |
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 $267 a month for full coverage and $106 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 $37 per month. GEICO and Allstate are the city's second- and third-cheapest insurers, with liability-only rates as low as $40 and $53, 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 $245 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
- 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.
Related articles
More cities in Texas
Sources
- Federal Bureau of Investigation. "TEXAS Offenses Known to Law Enforcement by City, 2019."
- Texas Department of Transportation. "Crashes and Injuries: Cities and Towns 202."
- Texas Department of Insurance. "Credit Scoring and Insurance."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Transportation. "Crash Contributing Factors: 2022."
- III. "Senior driving safety and insurance tips."
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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 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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