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The cheapest auto insurer for you will depend on your driving record and needs. Allstate is the cheapest for minimum coverage in Odessa, but State Farm is the cheapest for full coverage, accidents, tickets and military personnel. Nationwide is the most affordable for teens. Mercury is the cheapest if you have a DUI charge. Texas Farm Bureau is the best overall insurer in the city, and Chubb offers the best customer service.

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2023

Cheapest and Best Car Insurance in Odessa, TX

Cheapest Minimum Liability Car Insurance in Odessa

The following companies offer the cheapest auto insurance rates in Odessa, Texas, for policies with minimum coverage:

  • Allstate: $311 per year
  • State Farm: $312 per year

The cheapest auto insurance in Texas is offered by Texas Farm Bureau for roughly $339 a year, indicating how the location can affect a policy's cost. The most expensive minimum coverage policy is from Dairyland, which costs around $949 per year as of October 2022.

Company
Annual Premium
Monthly Premium

State Farm

$290

$24

Texas Farm Bureau

$293

$24

Allstate

$311

$26

State Farm

$312

$26

Allstate

$318

$27

Mercury

$336

$28

Texas Farm Bureau

$336

$28

Mercury

$363

$30

State Farm

$380

$32

Allstate

$389

$32

Mercury

$428

$36

Texas Farm Bureau

$429

$36

AAA Texas

$432

$36

Nationwide

$454

$38

AAA Texas

$459

$38

Nationwide

$475

$40

GEICO

$494

$41

Progressive

$497

$41

Chubb

$500

$42

Progressive

$509

$42

GEICO

$518

$43

Chubb

$550

$46

AAA Texas

$555

$46

GEICO

$562

$47

Progressive

$590

$49

State Farm

$602

$50

National General

$604

$50

Foremost

$622

$52

National General

$624

$52

Nationwide

$633

$53

Texas Farm Bureau

$638

$53

State Farm

$663

$55

Foremost

$725

$60

Allstate

$730

$61

National General

$768

$64

Texas Farm Bureau

$773

$64

Allstate

$826

$69

Nationwide

$827

$69

Foremost

$851

$71

State Farm

$858

$72

Mercury

$859

$72

Mercury

$879

$73

AAA Texas

$916

$76

AAA Texas

$923

$77

Dairyland

$925

$77

GEICO

$928

$77

Texas Farm Bureau

$947

$79

Dairyland

$949

$79

Chubb

$964

$80

GEICO

$969

$81

Nationwide

$1,013

$84

Chubb

$1,108

$92

Allstate

$1,110

$93

Dairyland

$1,127

$94

GEICO

$1,130

$94

Mercury

$1,160

$97

AAA Texas

$1,202

$100

Nationwide

$1,214

$101

Chubb

$1,290

$108

Foremost

$1,405

$117

Progressive

$1,419

$118

National General

$1,425

$119

Foremost

$1,468

$122

Progressive

$1,511

$126

National General

$1,547

$129

National General

$1,790

$149

Dairyland

$1,826

$152

Foremost

$1,856

$155

Progressive

$1,869

$156

Chubb

$1,966

$164

Dairyland

$2,084

$174

Dairyland

$2,560

$213

A minimum coverage policy must only cover property damage and bodily injury, with the following limits, in accordance with Texas state law:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

This means that insurance companies will only pay $30,000 for bodily injury liability for each person hurt in an accident, up to a maximum of $60,000 per accident, no matter how many people are injured. They will also pay up to $25,000 in property damage for every covered accident. Any costs over these limits will need to be paid out of pocket.

Cheapest Full Coverage Car Insurance in Odessa

The following car insurance companies in Odessa offer full coverage policies at the most affordable rates:

  • State Farm: $663 per year
  • Texas Farm Bureau: $773 per year

The most expensive full coverage premium is roughly $2,084 per year from Dairyland. The cheapest full coverage car insurance in Texas is provided by Texas Farm Bureau, costing around $760 per year as of October 2022. This indicates that pricing can vary based on your location.

Company
Annual Premium
Monthly Premium

State Farm

$290

$24

Texas Farm Bureau

$293

$24

Allstate

$311

$26

State Farm

$312

$26

Allstate

$318

$27

Mercury

$336

$28

Texas Farm Bureau

$336

$28

Mercury

$363

$30

State Farm

$380

$32

Allstate

$389

$32

Mercury

$428

$36

Texas Farm Bureau

$429

$36

AAA Texas

$432

$36

Nationwide

$454

$38

AAA Texas

$459

$38

Nationwide

$475

$40

GEICO

$494

$41

Progressive

$497

$41

Chubb

$500

$42

Progressive

$509

$42

GEICO

$518

$43

Chubb

$550

$46

AAA Texas

$555

$46

GEICO

$562

$47

Progressive

$590

$49

State Farm

$602

$50

National General

$604

$50

Foremost

$622

$52

National General

$624

$52

Nationwide

$633

$53

Texas Farm Bureau

$638

$53

State Farm

$663

$55

Foremost

$725

$60

Allstate

$730

$61

National General

$768

$64

Texas Farm Bureau

$773

$64

Allstate

$826

$69

Nationwide

$827

$69

Foremost

$851

$71

State Farm

$858

$72

Mercury

$859

$72

Mercury

$879

$73

AAA Texas

$916

$76

AAA Texas

$923

$77

Dairyland

$925

$77

GEICO

$928

$77

Texas Farm Bureau

$947

$79

Dairyland

$949

$79

Chubb

$964

$80

GEICO

$969

$81

Nationwide

$1,013

$84

Chubb

$1,108

$92

Allstate

$1,110

$93

Dairyland

$1,127

$94

GEICO

$1,130

$94

Mercury

$1,160

$97

AAA Texas

$1,202

$100

Nationwide

$1,214

$101

Chubb

$1,290

$108

Foremost

$1,405

$117

Progressive

$1,419

$118

National General

$1,425

$119

Foremost

$1,468

$122

Progressive

$1,511

$126

National General

$1,547

$129

National General

$1,790

$149

Dairyland

$1,826

$152

Foremost

$1,856

$155

Progressive

$1,869

$156

Chubb

$1,966

$164

Dairyland

$2,084

$174

Dairyland

$2,560

$213

Full coverage insurance contains both comprehensive and collision protection.

  • Collision Insurance: Pays for the costs of repairing your car after a collision with another vehicle or a fixed object.
  • Comprehensive Insurance: Protects against the expense of car damage brought on by events other than collisions.

Due to their low value, old vehicles might not need full coverage since this kind of policy will cost you hundreds more each year. The premiums might exceed your car's value.

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Cheapest Car Insurance in Odessa After a Driving Offense

Customers with a history of traffic infractions in Odessa can find the most affordable rates from the following companies:

  • Speeding ticket: State Farm ($663 per year)
  • At-fault accident: State Farm ($823 per year)
  • DUI: Mercury ($1,142 per year)

On average, Chubb has the most expensive policies for motorists charged with a DUI at $2,524 per year, Dairyland for speeding violations at $2,525 per year and Foremost for an at-fault accident at $3,141 per year. When compared to policyholders with spotless records, those with poor records pay the most expensive rates, showing that driving records have a big impact on premium costs.

Company
Annual Premium
Monthly Premium

State Farm

$290

$24

Texas Farm Bureau

$293

$24

Allstate

$311

$26

State Farm

$312

$26

Allstate

$318

$27

Texas Farm Bureau

$336

$28

State Farm

$374

$31

State Farm

$380

$32

Allstate

$389

$32

State Farm

$397

$33

Texas Farm Bureau

$429

$36

Mercury

$460

$38

Mercury

$471

$39

State Farm

$473

$39

Allstate

$530

$44

Texas Farm Bureau

$531

$44

Nationwide

$534

$45

Chubb

$541

$45

Progressive

$543

$45

Allstate

$544

$45

Mercury

$547

$46

Nationwide

$555

$46

GEICO

$556

$46

Mercury

$558

$47

Mercury

$569

$47

Texas Farm Bureau

$570

$48

Allstate

$574

$48

State Farm

$579

$48

AAA Texas

$581

$48

GEICO

$584

$49

Progressive

$587

$49

Allstate

$589

$49

Mercury

$590

$49

Progressive

$592

$49

Chubb

$593

$49

State Farm

$602

$50

State Farm

$603

$50

GEICO

$606

$51

AAA Texas

$617

$51

Texas Farm Bureau

$638

$53

Progressive

$641

$53

Progressive

$647

$54

AAA Texas

$653

$54

State Farm

$663

$55

Allstate

$664

$55

Texas Farm Bureau

$666

$56

GEICO

$667

$56

State Farm

$679

$57

AAA Texas

$685

$57

Mercury

$686

$57

National General

$686

$57

AAA Texas

$694

$58

National General

$696

$58

Progressive

$698

$58

Foremost

$699

$58

National General

$707

$59

GEICO

$717

$60

Allstate

$720

$60

Nationwide

$720

$60

National General

$724

$60

AAA Texas

$728

$61

Allstate

$730

$61

GEICO

$732

$61

Texas Farm Bureau

$733

$61

Nationwide

$743

$62

AAA Texas

$745

$62

Chubb

$747

$62

Foremost

$749

$62

State Farm

$757

$63

Progressive

$759

$63

Nationwide

$771

$64

Texas Farm Bureau

$771

$64

Texas Farm Bureau

$773

$64

Mercury

$809

$67

Chubb

$820

$68

Foremost

$821

$68

State Farm

$823

$69

Allstate

$826

$69

Progressive

$836

$70

AAA Texas

$838

$70

GEICO

$848

$71

GEICO

$848

$71

State Farm

$858

$72

National General

$869

$72

National General

$871

$73

Progressive

$877

$73

AAA Texas

$879

$73

Mercury

$884

$74

Foremost

$886

$74

Nationwide

$919

$77

Nationwide

$923

$77

GEICO

$926

$77

Foremost

$932

$78

Dairyland

$942

$78

Nationwide

$946

$79

National General

$947

$79

Texas Farm Bureau

$947

$79

Dairyland

$965

$80

Chubb

$977

$81

Foremost

$982

$82

National General

$991

$83

Texas Farm Bureau

$1,006

$84

State Farm

$1,037

$86

Chubb

$1,041

$87

Chubb

$1,074

$89

Nationwide

$1,093

$91

Nationwide

$1,098

$92

Texas Farm Bureau

$1,098

$92

GEICO

$1,102

$92

Allstate

$1,110

$93

GEICO

$1,127

$94

National General

$1,134

$95

State Farm

$1,140

$95

Mercury

$1,142

$95

Dairyland

$1,147

$96

Allstate

$1,155

$96

Nationwide

$1,178

$98

Chubb

$1,197

$100

AAA Texas

$1,199

$100

AAA Texas

$1,203

$100

State Farm

$1,205

$100

Mercury

$1,219

$102

Allstate

$1,219

$102

Dairyland

$1,222

$102

Mercury

$1,248

$104

Texas Farm Bureau

$1,253

$104

GEICO

$1,260

$105

Texas Farm Bureau

$1,272

$106

Allstate

$1,276

$106

Dairyland

$1,312

$109

AAA Texas

$1,331

$111

AAA Texas

$1,334

$111

Allstate

$1,337

$111

GEICO

$1,337

$111

GEICO

$1,342

$112

Dairyland

$1,364

$114

Nationwide

$1,380

$115

Mercury

$1,384

$115

AAA Texas

$1,390

$116

AAA Texas

$1,391

$116

Chubb

$1,392

$116

Nationwide

$1,393

$116

Dairyland

$1,395

$116

State Farm

$1,420

$118

Chubb

$1,441

$120

Mercury

$1,452

$121

Dairyland

$1,488

$124

GEICO

$1,494

$125

Nationwide

$1,500

$125

Texas Farm Bureau

$1,505

$125

Mercury

$1,531

$128

Foremost

$1,543

$129

Texas Farm Bureau

$1,566

$131

AAA Texas

$1,573

$131

Foremost

$1,600

$133

Dairyland

$1,619

$135

GEICO

$1,648

$137

Chubb

$1,657

$138

Progressive

$1,659

$138

National General

$1,665

$139

GEICO

$1,682

$140

Foremost

$1,685

$140

Progressive

$1,686

$140

Mercury

$1,691

$141

Foremost

$1,713

$143

Allstate

$1,718

$143

Nationwide

$1,722

$143

GEICO

$1,736

$145

AAA Texas

$1,744

$145

National General

$1,755

$146

Allstate

$1,804

$150

Progressive

$1,815

$151

Foremost

$1,816

$151

AAA Texas

$1,822

$152

Nationwide

$1,829

$152

Foremost

$1,837

$153

Progressive

$1,838

$153

Dairyland

$1,843

$154

National General

$1,844

$154

National General

$1,865

$155

Chubb

$1,886

$157

Texas Farm Bureau

$1,890

$158

Nationwide

$1,904

$159

Chubb

$1,928

$161

Foremost

$1,933

$161

Mercury

$1,996

$166

National General

$2,031

$169

Progressive

$2,045

$170

Foremost

$2,057

$171

Mercury

$2,079

$173

Dairyland

$2,101

$175

Chubb

$2,126

$177

Chubb

$2,169

$181

Foremost

$2,170

$181

Progressive

$2,195

$183

National General

$2,211

$184

Nationwide

$2,266

$189

Progressive

$2,273

$189

Progressive

$2,296

$191

National General

$2,312

$193

Dairyland

$2,452

$204

National General

$2,474

$206

Chubb

$2,524

$210

Dairyland

$2,525

$210

National General

$2,577

$215

Dairyland

$2,581

$215

Progressive

$2,665

$222

Dairyland

$2,836

$236

Dairyland

$2,885

$240

Dairyland

$2,904

$242

Chubb

$2,941

$245

Foremost

$3,141

$262

Dairyland

$3,218

$268

Foremost

$3,593

$299

Foremost

$3,714

$310

Chubb

$3,853

$321

Rates are typically higher for offenses that are more serious. In Odessa, drivers who have received a speeding ticket pay roughly $218 more than drivers with clean records, while those with DUIs pay around $489 more. Policyholders should find ways to get cheap car insurance with their poor driving records to save money.

Cheapest Car Insurance in Odessa for Teens and Their Families

The following auto insurers in Odessa provide the most inexpensive family policies for teens:

  • Nationwide: $1,654 per year for male and $1,451 per year for female teens
  • State Farm: $2,075 per year for male and $1,716 per year for female teens

The most pricey teen family insurance plans in Odessa are offered by Allstate, costing around $5,734 and $6,749 per year for female and male teens, respectively.

Male teens typically pay more auto insurance premiums than female teens since they are thought to be riskier. Nationwide has a $207 difference in rates between the two genders. However, by early adulthood, this disparity decreases.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$610

$2,883

State Farm

$710

$3,359

State Farm

$729

$3,921

State Farm

$765

$3,618

Nationwide

$952

$2,155

Nationwide

$963

$2,319

Nationwide

$1,006

$2,893

State Farm

$1,019

$3,463

Nationwide

$1,066

$3,322

Nationwide

$1,071

$2,426

Nationwide

$1,087

$2,708

State Farm

$1,116

$4,151

Nationwide

$1,130

$2,557

Nationwide

$1,138

$2,740

State Farm

$1,144

$3,888

Nationwide

$1,149

$3,099

Nationwide

$1,207

$2,906

State Farm

$1,208

$4,797

State Farm

$1,259

$4,278

State Farm

$1,340

$5,726

Nationwide

$1,352

$4,714

State Farm

$1,363

$5,070

Nationwide

$1,379

$5,541

State Farm

$1,399

$5,279

Nationwide

$1,410

$4,056

Nationwide

$1,451

$5,992

Allstate

$1,455

$1,915

Nationwide

$1,482

$5,953

Nationwide

$1,529

$6,030

State Farm

$1,540

$6,501

GEICO

$1,555

$2,848

Allstate

$1,567

$1,974

GEICO

$1,572

$3,437

Nationwide

$1,572

$7,014

GEICO

$1,575

$2,744

Nationwide

$1,588

$4,948

GEICO

$1,594

$2,918

GEICO

$1,597

$2,783

GEICO

$1,608

$3,435

GEICO

$1,631

$3,136

Nationwide

$1,654

$7,588

GEICO

$1,664

$3,047

State Farm

$1,665

$7,236

GEICO

$1,666

$3,146

State Farm

$1,677

$6,328

GEICO

$1,685

$2,935

Nationwide

$1,690

$7,540

State Farm

$1,712

$7,225

State Farm

$1,716

$8,000

Allstate

$1,765

$2,323

Allstate

$1,793

$2,726

GEICO

$1,846

$4,603

GEICO

$1,862

$4,072

State Farm

$1,863

$8,126

Allstate

$1,882

$2,477

GEICO

$1,916

$4,688

GEICO

$1,946

$4,157

GEICO

$2,003

$5,507

Progressive

$2,011

$3,085

Foremost

$2,036

$3,333

Allstate

$2,058

$2,593

State Farm

$2,068

$9,020

State Farm

$2,075

$10,000

GEICO

$2,086

$5,662

Progressive

$2,090

$5,055

Progressive

$2,092

$3,051

Foremost

$2,093

$2,867

Allstate

$2,103

$3,173

Allstate

$2,125

$3,093

Foremost

$2,194

$3,006

Foremost

$2,203

$3,154

Foremost

$2,223

$3,045

GEICO

$2,233

$6,140

Foremost

$2,249

$3,794

Allstate

$2,268

$2,857

Progressive

$2,272

$5,472

Foremost

$2,273

$3,010

GEICO

$2,294

$7,276

GEICO

$2,362

$6,411

Progressive

$2,386

$3,479

GEICO

$2,428

$7,691

Progressive

$2,435

$3,737

Foremost

$2,443

$3,236

Allstate

$2,485

$3,613

Foremost

$2,489

$3,567

Progressive

$2,499

$6,861

Progressive

$2,518

$4,380

Foremost

$2,548

$3,374

Progressive

$2,557

$4,736

Progressive

$2,569

$6,211

Progressive

$2,592

$3,780

Foremost

$2,687

$8,898

Progressive

$2,695

$4,134

Foremost

$2,764

$9,017

Foremost

$2,801

$9,275

Allstate

$2,826

$5,006

Progressive

$2,829

$7,832

Foremost

$2,908

$9,487

Allstate

$2,911

$4,235

Progressive

$2,963

$7,135

Foremost

$2,980

$5,795

Foremost

$3,010

$5,870

Foremost

$3,171

$13,330

Progressive

$3,175

$14,083

Foremost

$3,299

$5,565

Foremost

$3,303

$13,829

Allstate

$3,333

$5,927

Foremost

$3,364

$5,506

Allstate

$3,440

$5,002

Progressive

$3,534

$15,805

Progressive

$3,548

$16,416

Progressive

$3,767

$16,711

Progressive

$3,903

$18,120

Progressive

$4,123

$18,443

Allstate

$4,325

$6,034

Allstate

$5,085

$7,107

Allstate

$5,296

$7,388

Allstate

$5,734

$10,579

Allstate

$6,226

$8,703

Allstate

$6,749

$12,488

Teenagers who get auto insurance on their own will incur higher costs than those who are covered by the family plan. The cost of a male teen's own auto insurance in Odessa is $3,267 higher than the cost being on a family policy. Families should look into ways to get affordable auto insurance for teenagers in order to save money.

Cheapest Car Insurance in Odessa for Military Drivers

MoneyGeek analyzed the most affordable auto insurance options for military families. These companies offer full coverage policies at the lowest prices:

  • State Farm: $663 per year
  • Texas Farm Bureau: $773 per year

USAA is another excellent option for this particular category. It costs $869 a year and provides services designed for policyholders with a military connection.

Rankings change if you are looking for minimum coverage. Allstate, at roughly $311 per year, becomes the cheapest, followed by State Farm at around $312 per year.

Company
Annual Premium
Monthly Premium

State Farm

$290

$24

Texas Farm Bureau

$293

$24

Allstate

$311

$26

State Farm

$312

$26

Allstate

$318

$27

USAA

$323

$27

Mercury

$336

$28

Texas Farm Bureau

$336

$28

USAA

$344

$29

Mercury

$363

$30

State Farm

$380

$32

USAA

$384

$32

Allstate

$389

$32

Mercury

$428

$36

Texas Farm Bureau

$429

$36

AAA Texas

$432

$36

Nationwide

$454

$38

AAA Texas

$459

$38

Nationwide

$475

$40

GEICO

$494

$41

Progressive

$497

$41

Chubb

$500

$42

Progressive

$509

$42

GEICO

$518

$43

Chubb

$550

$46

AAA Texas

$555

$46

GEICO

$562

$47

Progressive

$590

$49

State Farm

$602

$50

National General

$604

$50

Foremost

$622

$52

National General

$624

$52

Nationwide

$633

$53

Texas Farm Bureau

$638

$53

State Farm

$663

$55

Foremost

$725

$60

Allstate

$730

$61

National General

$768

$64

Texas Farm Bureau

$773

$64

Allstate

$826

$69

Nationwide

$827

$69

USAA

$836

$70

Foremost

$851

$71

State Farm

$858

$72

Mercury

$859

$72

USAA

$869

$72

Mercury

$879

$73

AAA Texas

$916

$76

AAA Texas

$923

$77

Dairyland

$925

$77

GEICO

$928

$77

Texas Farm Bureau

$947

$79

Dairyland

$949

$79

Chubb

$964

$80

GEICO

$969

$81

Nationwide

$1,013

$84

USAA

$1,063

$89

Chubb

$1,108

$92

Allstate

$1,110

$93

Dairyland

$1,127

$94

GEICO

$1,130

$94

Mercury

$1,160

$97

AAA Texas

$1,202

$100

Nationwide

$1,214

$101

Chubb

$1,290

$108

Foremost

$1,405

$117

Progressive

$1,419

$118

National General

$1,425

$119

Foremost

$1,468

$122

Progressive

$1,511

$126

National General

$1,547

$129

National General

$1,790

$149

Dairyland

$1,826

$152

Foremost

$1,856

$155

Progressive

$1,869

$156

Chubb

$1,966

$164

Dairyland

$2,084

$174

Dairyland

$2,560

$213

How to Compare Cheap Odessa Car Insurance Quotes Online

Comparing Odessa auto insurance quotes can be time-consuming since you have to provide personal information. The process can take 15 minutes or more for each company.

You can get immediate rates from several companies using MoneyGeek's online auto insurance calculator. You only need to provide basic profile info like your age, driving history, type of vehicle and preferred coverage limits.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Best Car Insurance in Odessa: Summary

You can choose the best auto insurance for you depending on your preferences. The best auto insurers in Odessa for different categories include:

  • Best overall: Texas Farm Bureau (MoneyGeek score of 78 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Texas Farm Bureau (MoneyGeek score of 80 out of 100)

Scores can change based on category weightings. Texas Farm Bureau is also the best car insurance company in Texas. USAA, with a MoneyGeek score of 80 out of 100, offers exceptional auto insurance for military families.

Best Overall Car Insurance in Odessa

The following are Odessa's overall top auto insurance providers:

  • Texas Farm Bureau: MoneyGeek score of 78 out of 100 ($773 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($826 per year)

Texas Farm Bureau has high scores in affordability and satisfaction. This means that with this auto insurer, customers won't have to sacrifice affordability for high-quality service.

One of the top car insurance providers for customers with a military affiliation is USAA, with a MoneyGeek score of 80 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Excellent affordability score

High customer satisfaction rating

Offers rental coverage and roadside assistance coverage

cons

Below average claims management

Doesn’t offer deductible modification or accident forgiveness coverages

COMPANY HIGHLIGHTS

Providing the ideal balance of affordability and high-quality service allowed Texas Farm Bureau to stand out from the competition. Keep in mind that it offers a limited selection of coverage and a poor claims management experience.

Texas Farm Bureau does include some essential coverages, such as roadside assistance coverage, which is a 24-hour dispatch service. It offers coverage for unforeseeable mechanical, electrical or other issues that render your car risky to drive or immobile that are not the result of an accident.

While your vehicle is being repaired because of a covered loss, rental reimbursement coverage can assist in paying for a rental car so that you can carry on with your weekly schedule without interruption. You can set your own restrictions based on what works best for you.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Odessa for Customer Service

For this category, we excluded affordability and focused on the factors that affect customer service, which resulted in the following rankings:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,290 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,405 per year)

Chubb excels in effectively handling claims processing and providing service that satisfies its customers. However, it’s one of the most expensive insurance providers in the city, which means it’s for people who value customer service above all.

How was this MoneyGeek score calculated?

Chubb

pros

Excellent customer satisfaction rating

Great claims processing score

Offers rare coverages like original equipment manufacturer (OEM) coverage and diminished value coverage

cons

Limited coverage offerings

No roadside assistance or gap insurance

COMPANY HIGHLIGHTS

Chubb may not have the highest number of coverages, but it does provide some rare benefits, including diminished value coverage. This reimburses you for the agreed-upon worth of your car in the event that it gets completely destroyed or stolen.

Another unique coverage is the OEM coverage. This will pay for parts made by the original equipment manufacturer to restore your car closest to its former condition (feel, look, functionality, etc.) before it was damaged due to a covered loss. Meanwhile, cars that are at least 30 years old, limited edition versions or are part of a bigger collection can be covered by Chubb's vintage/classic car insurance.

While your automobile is damaged and being repaired after a covered accident, the rental car reimbursement coverage enables you to rent a vehicle that is comparable to your own.

Best Cheap Car Insurance in Odessa

We rated the following companies as the best cheap auto insurance providers after we looked at the cost and the quality of service for plans that offer only the minimum coverage allowed by Texas law:

  • Texas Farm Bureau: MoneyGeek score of 80 out of 100 ($336 per year)
  • State Farm: MoneyGeek score of 78 out of 100 ($312 per year)

The least expensive minimum coverage insurance in Odessa may offer the lowest premiums, but it also provides the least amount of liability protection. It also doesn't protect your own vehicle from collision-related damages.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

One of the cheapest in Odessa at $336 per year

Has multiple car and anti-theft system discounts

Impressive pricing and service quality

cons

No discount for installing airbags or going paperless

Poor claims management

COMPANY HIGHLIGHTS

Texas Farm Bureau offers top-notch customer service based on its customer satisfaction rating. It also offers one of the most inexpensive policies in Odessa, Texas, which is further cheapened by the discounts it provides.

One of the discounts is the bundling discount. This lets you save on premiums by combining your car insurance policy with other qualified Texas Farm Bureau insurance products like renters, home, agriculture and more. The same goes if you have multiple cars insured with them, if you took a defensive driving course and if a high school or college student in your policy maintains a 3.0-grade point average.

Installing anti-theft devices in your vehicle not only improves your car’s security but earns you a discount from Texas Farm Bureau as well.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Odessa

The average annual cost of auto insurance in Odessa is $1,128 as of October 2022. This is $137 cheaper than the yearly U.S. average and $73 less than the average annual Texas car insurance rate. There are a lot of other variables than the location that impact the price of auto insurance.

The premiums listed above apply to full coverage insurance with liability limits of $100,000 for property damage and $100,000 for bodily injury per person with a maximum of $300,000 per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.