Cheapest and Best Car Insurance Companies in Odessa, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.