Best Cheap Auto Insurance in Odem, TX (2021)

The average Odem, TX auto insurance rates are $324 per month. The minimum auto insurance in Odem is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Odem, Texas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Odem, Texas is 30/60/25
  • The most expensive auto insurance company in Odem for teen drivers is American Family
  • The average commute length in Odem is 23.3 minutes

Odem, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Odem can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Odem, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Odem to other Texas cities, including Houston auto insurance rates, El Paso auto insurance rates, and Corpus Christi auto insurance rates to see how Odem, Texas auto insurance rates stack up.

Before you buy Odem, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Odem, Texas auto insurance quotes.

Minimum Auto Insurance in Odem, Texas

Odem, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Odem, Texas.

Minimum Required Auto Insurance Coverage in Odem, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Odem, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Odem, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Odem, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,480 $3,506 $3,435 $3,435 $9,282 $11,191 $4,303 $4,477
American Family $3,171 $3,558 $3,018 $3,486 $8,959 $11,710 $4,669 $5,335
GEICO $2,245 $2,442 $2,224 $2,563 $4,840 $4,965 $2,409 $2,352
Nationwide $2,798 $2,844 $2,471 $2,616 $7,951 $10,217 $3,291 $3,563
Progressive $2,123 $1,999 $1,896 $1,931 $8,825 $9,821 $2,486 $2,496
State Farm $1,760 $1,760 $1,568 $1,568 $4,213 $5,364 $1,914 $1,968
USAA $1,514 $1,524 $1,455 $1,449 $4,255 $4,627 $2,023 $2,167

Cheap Odem, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Odem, Texas is a challenge. Take a look at the annual teen auto insurance rates in Odem, Texas.

Annual Auto Insurance Rates for Teen Drivers in Odem, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,282 $11,191
American Family $8,959 $11,710
GEICO $4,840 $4,965
Nationwide $7,951 $10,217
Progressive $8,825 $9,821
State Farm $4,213 $5,364
USAA $4,255 $4,627

Cheap Odem, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Odem, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Odem, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,435
American Family $3,018 $3,486
GEICO $2,224 $2,563
Nationwide $2,471 $2,616
Progressive $1,896 $1,931
State Farm $1,568 $1,568
USAA $1,455 $1,449

Cheap Odem, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Odem, Texas compared to the annual auto insurance rates with a clean record in Odem, Texas.

Annual Odem, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,166 $6,466 $6,757 $4,166
American Family $4,970 $6,417 $5,595 $4,970
GEICO $2,553 $3,373 $2,804 $3,291
Nationwide $3,872 $3,872 $5,753 $4,378
Progressive $3,446 $4,457 $4,018 $3,867
State Farm $2,233 $2,562 $3,029 $2,233
USAA $1,770 $2,622 $3,084 $2,031

Cheap Odem, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Odem, Texas is not easy. Compare the annual rates for DUI auto insurance in Odem, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Odem, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,757
American Family $5,595
GEICO $2,804
Nationwide $5,753
Progressive $4,018
State Farm $3,029
USAA $3,084

Cheap Odem, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Odem, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Odem, Texas

Insurance Company Poor Fair Good
Allstate $6,843 $5,021 $4,301
American Family $7,470 $4,808 $4,186
GEICO $4,628 $2,628 $1,759
Nationwide $5,373 $4,301 $3,732
Progressive $4,440 $3,841 $3,560
State Farm $3,557 $2,217 $1,768
USAA $3,460 $2,028 $1,642

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Cheap Odem, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Odem, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Odem, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Odem, Texas

ZIP Code Average Annual Rates
78370 $5,762

Cheap Odem, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Odem, Texas auto insurance. Find the cheapest annual Odem, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Odem, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,258 $5,519
American Family $5,488 $5,488
GEICO $2,948 $3,062
Nationwide $4,469 $4,469
Progressive $3,947 $3,947
State Farm $2,514 $2,514
USAA $2,347 $2,407

Cheap Odem, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Odem, Texas? Check out the comparison of annual Odem, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Odem, Texas

Insurance Company Low Medium High
Allstate $5,265 $5,342 $5,558
American Family $5,073 $5,251 $6,140
GEICO $2,786 $2,941 $3,288
Nationwide $4,767 $4,275 $4,365
Progressive $3,710 $3,923 $4,208
State Farm $2,367 $2,501 $2,675
USAA $2,278 $2,362 $2,490

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Best By Category: Cheapest Auto Insurance in Odem, Texas

Compare the cheapest auto insurance companies in Odem, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Odem, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Odem, Texas Auto Insurance Companies

What auto insurance companies in Odem, Texas are the cheapest? Compare the top Odem, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Odem, Texas

Insurance Company Average Annual Rates
Allstate $5,389
American Family $5,488
GEICO $3,005
Nationwide $4,469
Progressive $3,947
State Farm $2,514
USAA $2,377

What affects auto insurance rates in Odem, Texas?

There are a lot of reasons why auto insurance rates in Odem, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Odem, Texas. Many local factors may affect your Odem auto insurance rates.

Odem Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Odem, Texas commute length is 23.3 minutes according to City-Data.

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Compare Odem, Texas Auto Insurance Quotes

Before you buy Odem, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Odem, Texas auto insurance quotes.

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