Best Cheap Auto Insurance in Odessa, TX (2021)

The average Odessa, TX auto insurance rates are $323 per month. The minimum auto insurance in Odessa is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Odessa, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 cheapest auto insurance company in Odessa is USAA
  • The most expensive auto insurance company in Odessa for teen drivers is Progressive
  • The average commute length in Odessa is 21.6 minutes

Odessa, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Odessa to other Texas cities, including Houston auto insurance rates, Fort Worth auto insurance rates, and Austin auto insurance rates to see how Odessa, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Odessa, Texas

Odessa, 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 Odessa, Texas.

Minimum Required Auto Insurance Coverage in Odessa, 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 Odessa, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Odessa, 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 Odessa, 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 $3,380 $3,423 $3,339 $3,339 $8,876 $10,769 $4,207 $4,408
American Family $3,031 $3,372 $2,850 $3,262 $8,306 $11,056 $4,403 $5,076
GEICO $2,480 $2,658 $2,345 $2,631 $5,363 $5,602 $2,691 $2,711
Nationwide $2,081 $2,120 $1,838 $1,950 $5,799 $7,467 $2,433 $2,637
Progressive $2,374 $2,287 $2,104 $2,147 $9,745 $10,912 $2,844 $2,927
State Farm $2,073 $2,073 $1,849 $1,849 $5,042 $6,439 $2,259 $2,327
USAA $1,755 $1,782 $1,664 $1,673 $4,757 $5,231 $2,349 $2,556

Cheap Odessa, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Odessa, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,876 $10,769
American Family $8,306 $11,056
GEICO $5,363 $5,602
Nationwide $5,799 $7,467
Progressive $9,745 $10,912
State Farm $5,042 $6,439
USAA $4,757 $5,231

Cheap Odessa, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Odessa, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,339 $3,339
American Family $2,850 $3,262
GEICO $2,345 $2,631
Nationwide $1,838 $1,950
Progressive $2,104 $2,147
State Farm $1,849 $1,849
USAA $1,664 $1,673

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

Annual Odessa, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,082 $6,222 $6,486 $4,082
American Family $4,696 $6,025 $5,260 $4,696
GEICO $2,809 $3,683 $3,121 $3,627
Nationwide $2,852 $2,852 $4,235 $3,224
Progressive $3,856 $4,956 $4,508 $4,351
State Farm $2,648 $3,047 $3,612 $2,648
USAA $2,039 $2,985 $3,517 $2,342

Cheap Odessa, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Odessa, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,486
American Family $5,260
GEICO $3,121
Nationwide $4,235
Progressive $4,508
State Farm $3,612
USAA $3,517

Cheap Odessa, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Odessa, Texas

Insurance Company Poor Fair Good
Allstate $6,639 $4,860 $4,154
American Family $7,152 $4,444 $3,913
GEICO $5,110 $2,892 $1,928
Nationwide $3,943 $3,168 $2,761
Progressive $4,988 $4,293 $3,972
State Farm $4,233 $2,634 $2,099
USAA $4,035 $2,294 $1,834

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Cheap Odessa, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Odessa, Texas

ZIP Code Average Annual Rates
79761 $5,801
79762 $5,501
79763 $5,772
79764 $5,658
79765 $5,482
79766 $5,828

Cheap Odessa, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Odessa, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,097 $5,338
American Family $5,169 $5,169
GEICO $3,244 $3,376
Nationwide $3,291 $3,291
Progressive $4,417 $4,417
State Farm $2,989 $2,989
USAA $2,686 $2,756

Cheap Odessa, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Odessa, Texas

Insurance Company Low Medium High
Allstate $5,126 $5,184 $5,344
American Family $4,872 $5,017 $5,619
GEICO $3,159 $3,275 $3,496
Nationwide $3,563 $3,150 $3,159
Progressive $4,266 $4,404 $4,583
State Farm $2,834 $2,982 $3,150
USAA $2,642 $2,712 $2,809

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Best By Category: Cheapest Auto Insurance in Odessa, Texas

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

Best Annual Auto Insurance Rates by Company in Odessa, Texas

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

The Cheapest Odessa, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Odessa, Texas

Insurance Company Average Annual Rates
Allstate $5,218
American Family $5,169
GEICO $3,310
Nationwide $3,291
Progressive $4,417
State Farm $2,989
USAA $2,721

What affects auto insurance rates in Odessa, Texas?

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

Odessa Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Odessa, Texas auto theft statistics, there have been 369 auto thefts in the city.

Odessa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Odessa, Texas commute length is 21.6 minutes according to City-Data.

Odessa Traffic

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

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Compare Odessa, Texas Auto Insurance Quotes

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