Best Cheap Auto Insurance in Odessa, NY (2021)

The average Odessa, NY auto insurance rates are $253 per month. The minimum auto insurance in Odessa is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Odessa, New York, 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: Jul 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Odessa is GEICO
  • The average commute length in Odessa is 24.5 minutes
  • The most expensive auto insurance company in Odessa for teen drivers is Liberty Mutual

Odessa, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Odessa 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 Odessa, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Odessa to other New York cities, including Buffalo auto insurance rates, Albany auto insurance rates, and Rochester auto insurance rates to see how Odessa, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Odessa, New York

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

Minimum Required Auto Insurance Coverage in Odessa, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Odessa, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Odessa, New York 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 Odessa, New York

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 $2,193 $2,075 $2,046 $2,078 $6,152 $6,594 $2,198 $2,223
GEICO $1,426 $1,374 $1,387 $1,367 $2,967 $4,318 $1,288 $1,324
Liberty Mutual $3,324 $3,324 $3,095 $3,095 $6,426 $10,422 $3,324 $3,533
Nationwide $1,826 $1,826 $1,728 $1,728 $3,166 $4,680 $1,826 $2,305
Progressive $1,621 $1,528 $1,315 $1,330 $5,337 $5,949 $2,083 $2,030
State Farm $2,128 $2,128 $1,853 $1,853 $6,235 $8,066 $2,336 $2,479
Travelers $2,367 $2,401 $2,161 $2,325 $5,472 $6,529 $2,515 $2,631
USAA $1,529 $1,503 $1,379 $1,382 $6,103 $7,296 $1,953 $2,154

Cheap Odessa, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Odessa, New York is a challenge. Take a look at the annual teen auto insurance rates in Odessa, New York.

Annual Auto Insurance Rates for Teen Drivers in Odessa, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,152 $6,594
GEICO $2,967 $4,318
Liberty Mutual $6,426 $10,422
Nationwide $3,166 $4,680
Progressive $5,337 $5,949
State Farm $6,235 $8,066
Travelers $5,472 $6,529
USAA $6,103 $7,296

Cheap Odessa, New York Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Odessa, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,046 $2,078
GEICO $1,387 $1,367
Liberty Mutual $3,095 $3,095
Nationwide $1,728 $1,728
Progressive $1,315 $1,330
State Farm $1,853 $1,853
Travelers $2,161 $2,325
USAA $1,379 $1,382

Cheap Odessa, New York 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 Odessa, New York compared to the annual auto insurance rates with a clean record in Odessa, New York.

Annual Odessa, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,733 $2,733 $3,912 $3,402
GEICO $1,527 $1,664 $3,007 $1,527
Liberty Mutual $3,674 $3,674 $7,251 $3,674
Nationwide $1,840 $1,840 $3,981 $1,880
Progressive $2,579 $2,579 $2,844 $2,595
State Farm $3,227 $3,227 $3,542 $3,542
Travelers $2,833 $3,517 $3,567 $3,283
USAA $2,589 $2,631 $3,799 $2,631

Cheap Odessa, New York Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Odessa, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,912
GEICO $3,007
Liberty Mutual $7,251
Nationwide $3,981
Progressive $2,844
State Farm $3,542
Travelers $3,567
USAA $3,799

Cheap Odessa, New York Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Odessa, New York

Insurance Company Poor Fair Good
Allstate $4,556 $2,691 $2,338
GEICO $2,420 $1,779 $1,596
Liberty Mutual $6,379 $4,183 $3,142
Nationwide $2,385 $2,385 $2,385
Progressive $4,185 $2,171 $1,592
State Farm $4,779 $2,997 $2,378
Travelers $4,533 $2,870 $2,498
USAA $4,512 $2,242 $1,983

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Cheap Odessa, New York Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Odessa, New York

ZIP Code Average Annual Rates
14869 $3,069

Cheap Odessa, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect Odessa, New York auto insurance. Find the cheapest annual Odessa, New York auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Odessa, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,153 $3,237
GEICO $1,875 $1,988
Liberty Mutual $4,440 $4,696
Nationwide $2,385 $2,385
Progressive $2,649 $2,649
State Farm $3,267 $3,502
Travelers $3,300 $3,300
USAA $2,883 $2,941

Cheap Odessa, New York Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Odessa, New York

Insurance Company Low Medium High
Allstate $3,027 $3,185 $3,372
GEICO $1,838 $1,926 $2,031
Liberty Mutual $4,396 $4,554 $4,754
Nationwide $2,255 $2,367 $2,534
Progressive $2,527 $2,638 $2,784
State Farm $3,208 $3,405 $3,541
Travelers $3,130 $3,266 $3,504
USAA $2,839 $2,901 $2,997

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Best By Category: Cheapest Auto Insurance in Odessa, New York

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

Best Annual Auto Insurance Rates by Company in Odessa, New York

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Odessa, New York Auto Insurance Companies

What auto insurance companies in Odessa, New York are the cheapest? Compare the top Odessa, New York auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Odessa, New York

Insurance Company Average Annual Rates
Allstate $3,195
GEICO $1,931
Liberty Mutual $4,568
Nationwide $2,385
Progressive $2,649
State Farm $3,385
Travelers $3,300
USAA $2,912

What affects auto insurance rates in Odessa, New York?

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

Odessa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Odessa, New York commute length is 24.5 minutes according to City-Data.

Odessa Traffic

How does Odessa, New York rank for traffic? According to Inrix Odessa, New York is the 859th most congested worldwide.

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Compare Odessa, New York Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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