Compare the Cheapest Car Insurance Quotes in Odessa

In Odessa, the average price of car insurance is $1,146 per year, which is 12.9% less than the state average and 19.5% lower than the national average. The cheapest carrier in the city is Farmers, with average annual costs of $698.

To help you find the best deals at the lowest prices, MoneyGeek ranked the leading car insurance providers in Odessa. We evaluated the most affordable companies by coverage amount and driving history to find a rate that suits your profile.

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The Cheapest and Best Car Insurance in Odessa

The Cheapest Car Insurance Companies in Odessa

For full coverage auto insurance, the least expensive firms in Odessa are:

  • Farmers: $698 per year
  • USAA: $793 per year (serves only veterans, current military members and their families)

The cheapest company, Farmers, offers rates 250% lower than the most expensive provider, The General. Drivers should ideally shop around and compare quotes to find the best car insurance in Odessa.

Keep in mind that prices are for a 40-year-old male driver with a full coverage policy, which includes liability insurance to protect you against the cost of damages to others and comprehensive and collision insurance to cover damages to your own vehicle.

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Average Cost of Car Insurance in Odessa

Odessa$1,146
Texas$1,316
U.S.$1,424

The average car insurance rate in Odessa is $1,146 per year, and this cost is 19.5% less than the national average and 12.9% cheaper than the state average. Drivers should shop for car insurance online to find the best deals.

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The Best Car Insurance Companies in Odessa

To help drivers in Odessa find a good balance of affordability and quality service, MoneyGeek rated the best providers in the city.

As per MoneyGeek’s unique rating system, the top car insurance companies in Odessa are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score 85 out of 100

Disclaimer: USAA is actually the winner in our ranking, but it serves only veterans, current military members and their families.

Our ranking is based on a methodology that includes financial stability, affordability and J.D. Power’s user satisfaction ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Odessa

Drivers in Odessa should get car insurance quotes at regular intervals to learn if they can get discounts and savings as their situation changes. MoneyGeek advises you to get an individualized quote because car insurance rates depend on factors such as age, location, driving record, driving history, coverage level and more. To find the lowest prices, drivers should compare car insurance quotes from multiple providers.

Shopping around for car insurance in Odessa could save you $448, which is enough to buy:


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149Cups of Coffee
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34Months of Your Favorite Streaming Service

Cheapest Car Insurance in Odessa by Coverage Amount

Your coverage level has a big effect on your car insurance price. In Odessa, the average rate for the state’s minimum liability-only policy is $531, while a full coverage policy with 100/300/100 limits costs an average of $1,146. While this is a significant additional cost, full coverage insurance provides much higher liability limits and covers your own costs.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

In Odessa, Farmers charges $351 per year on average for 50/100/50 liability only coverage. For 50/100/50 full coverage, its prices are $663 per year, a difference of $312 annually. The 50/100/50 limits mean that $50,000 is allotted for bodily injury coverage per person, with $100,000 for injuries per accident and $50,000 for property damage.

If you opt for liability-only coverage, the insurer will only pay third-party costs. To cover your own costs in an at-fault accident, you should get full coverage. Drivers should ideally shop around to find the cheapest car insurance rates in Odessa.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Odessa if You Have Driving Violations

Defensive drivers not only reach home safely but can also save on their car insurance rates as a driving offense can increase prices. In Odessa, a Farmers customer with a speeding ticket needs to pay $219 more per year for their auto insurance coverage than a driver with a clean record.

Similarly, a Farmers policyholder with an at-fault accident pays roughly $285 extra for car insurance, while a person with a DUI on their record needs to shell out $318 more on average than a driver with no violations.

Average Cost of Car Insurance by Postal Code

In Odessa, Texas, and other cities, your neighborhood is important because higher numbers of car-theft incidents, accidents and uninsured motorists can hike your car insurance costs. In this city, those living in the 79762 ZIP code pay around $49 less for their auto insurance than drivers in ZIP code 79763.

  • Zip Code
    State Minimumper year
  • 79762
    $1,121
  • 79763
    $1,170

Factors That Impact Insurance Costs in Odessa

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Odessa. How Odessa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities39th/300
handcuffs2 icon
Most Car Thefts242nd/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall231st/300
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Most Rainy Days238th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Odessa are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.