bestauto insuranceOdessaCompare the Cheapest Car Insurance Quotes in Odessa, TX
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Ensure you're getting the best rate. Review quotes from a top insurance company.
How much you pay for car insurance depends on your driver profile, the coverage you choose and the insurance company itself. In Odessa, the cheapest full coverage and state minimum policies on average are available from Farmers. If you have a speeding ticket, it’s better to buy insurance at State Farm to get the lowest rate. USAA has affordable insurance too, but it’s exclusively for members of the military. After comparing several insurers, MoneyGeek found GEICO to be the best overall car insurance company in Odessa in terms of balancing quality customer service and affordability.
bestauto insuranceOdessaThe Cheapest and Best Car Insurance in Odessa
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - Farmers
The Cheapest Car Insurance Companies in Odessa
The car insurance companies that offer the cheapest full coverage rates on average in Odessa are:
- Farmers: $698 per year
- GEICO: $807 per year
USAA is another affordable option, although it is exclusively available to members of the military and their families. You can purchase their full coverage policy for an average annual premium of $793, making it the second cheapest in the city.
Some policies are much more expensive, even though they are for the same insurance. For example, you’ll pay on average $2,443 per year at The General for the same coverage. That’s 250% more than Farmers, and the most expensive in the city. Shopping around for quotes is a smart way to find better rates.
All the rates discussed here are for full coverage policies, which typically include comprehensive and collision insurance.
Cheapest Car Insurance in Odessa
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$698
- 2.$793
- 3.$807
- 4.$819
- 5.$959
The car insurance quotes used in our analysis are for our sample driver: a 40-year-old male in Odessa with full coverage, as explained in MoneyGeek’s methodology.
Full coverage car insurance costs more than minimum or liability-only coverage. That’s because you get additional protection from the additional coverage included, such as:
- Comprehensive insurance — helps pay for damage to your car from non-collision-related incidents, like a hail storm or theft.
- Collision insurance — helps cover the cost of repairs to your car caused by an accident.
You may wish to consider minimum insurance if you own an older car. If you get full coverage car insurance, you may end up paying more in premiums than the replacement value of your vehicle.
Compare Car Insurance Rates in Odessa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Odessa for Minimum Coverage
Your most affordable option for car insurance is a policy with minimum coverage. The companies offering the lowest rates on average in Odessa are:
- Farmers: $332 per year
- GEICO: $402 per year
USAA is the cheapest option, but their policies are only available to former and current military members. If you qualify for USAA, you can get insurance for $328 per year on average. In comparison, The General offers a similar policy at $1,071, the most expensive in the city, and $739 more than Farmers.
Minimum coverage is cheaper, but its low coverage limits also provide the least protection. Without comprehensive and collision insurance, you risk not being fully covered.
The table below shows how rates change with higher limits.
Cheapest Minimum Liability Car Insurance in Odessa
State Minimum
- CompanyState Minimumper year
- 1.$328
- 2.$332
- 3.$402
- 4.$424
- 5.$425
State law in Texas mandates that drivers meet the minimum car insurance requirements, set at 30/60/25. While state minimum insurance is affordable, especially when compared to full coverage premiums, you risk not having enough coverage in an accident.
For example, if you’re in an at-fault accident and the other driver’s medical bills total $45,000, your state minimum policy will only cover $30,000 of that. You are responsible for paying the rest, which in this case is $15,000.
Texas Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Odessa if You Have Driving Violations
Most insurers offer safe drivers lower insurance rates. Having a violation, like an at-fault accident, speeding ticket or DUI on your driving record, can cause your premium to increase.
If you have violations on your record, the cheapest insurance in Odessa is:
- Cheapest after a ticket: State Farm, $819 per year
- Cheapest after an at-fault accident: Farmers, $983 per year
- Cheapest after a DUI: Esurance, $974 per year
The best way to reduce your premiums is to improve your driving record over time. In the short term, comparing quotes from multiple insurers can help you find the company that offers the best cheap insurance after a ticket or an accident.
Cheapest Car Insurance in Odessa With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$819
- 2.$889
- 3.$917
- 4.$944
- 5.$974
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.
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 rates from multiple providers.
Compare Car Insurance Rates in Odessa
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Odessa
To find the best auto insurance companies in Odessa, MoneyGeek studied different providers and their average rates, customer satisfaction and claims ratings.
MoneyGeek’s analysis found that the top car insurance companies in Odessa are:
- Farmers: MoneyGeek Score of 94 out of 100
- State Farm: MoneyGeek Score of 93 out of 100
MoneyGeek excluded USAA from this analysis, as their policies are only available for military members and their families. However, they earned a MoneyGeek score of 95 out of 100, making them the best overall auto insurance company for those in the military and their eligible family members.
1
Farmers
Score:94
Farmers ranked first in affordability and above average in customer satisfaction. On average, a 40-year-old driver in Odessa pays $698 per year for a full coverage car insurance policy. Farmers also offers original equipment manufacturer (OEM) coverage, which pays for the replacement of factory-original parts and is considered rare among providers.
More About Farmers
Farmers’ full coverage car insurance in Odessa comes with a range of optional add-ons to supplement your protection. For instance, car enthusiasts can opt for their custom parts coverage or original equipment manufacturer (OEM) coverage. Both coverage options can pay for the cost to repair or replace either original equipment or after-market upgrades that may be damaged in a covered accident. Both coverages are not commonly offered by other providers, which makes Farmers a great option for car enthusiasts.
Read MoneyGeek's Farmers auto Insurance Review2
State Farm
Score:93
State Farm ranks first in financial stability and second in affordability, making it the second best auto insurance company in Odessa. Its policies cost an average of $819 per year. The insurer offers one unique coverage option, rideshare insurance.
More About State Farm
State Farm offers a few coverage options in Odessa to drivers who have specific needs. For instance, drivers who work with a ridesharing company can get State Farm’s rideshare insurance. This ensures that all the coverages included in your personal auto policy, except liability insurance, remain in effect even when you’re transporting a passenger.
Policyholders can also get roadside assistance or rental car reimbursement, both of which are standard coverages that most insurers offer. These coverages can help pay for the cost to tow or service your car if it breaks down.
Read MoneyGeek's State Farm auto Insurance Review3
GEICO
Score:91
4
AAA
Score:81
5
Allstate
Score:78
6
Nationwide
Score:73
7
Mercury
Score:63
8
Esurance
Score:62
9
MetLife
Score:44
10
The General
Score:0
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 CodeState 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.
About Mark Fitzpatrick
