How to find the cheapest car insurance quotes in Odessa
In Odessa, the average auto insurance policy costs about $103 per month for minimum coverage liability insurance, and about $172 per month for full coverage insurance. Odessa drivers pay 7% more than the Texas average.
Every month, thousands of savvy car insurance shoppers in Odessa, Texas use the trusted broker Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Odessa customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Bluefire | $86 | 68 | 79761 | Chevrolet Silverado C1500 Lt | State Minimum | No |
| Bluefire | $193 | 38 | 79763 | Toyota Camry Se | State Minimum | Yes |
| Commonwealth Insurance | $90 | 30 | 79763 | Toyota Corolla Base | State Minimum | No |
| Progressive | $144 | 23 | 79765 | Dodge Challenger R/T | State Minimum | No |
| Bluefire | $171 | 61 | 79762 | Toyota Corolla Cross Le | State Minimum | Yes |
Best car insurance companies in Odessa
Most Odessa drivers in need of state minimum insurance coverage have found the cheapest average rates with companies like Foremost ($24/month), Nationwide ($35/month), Allstate ($38/month), and Jupiter Auto Insurance ($55/month).
Those looking for full coverage have often found the cheapest average rates with providers like Mercury Auto ($135/month), Clearcover ($139/month), Apparent ($142/month), and Nationwide ($142/month).
However, it’s important to remember that no single insurance company will offer the best rates for every type of driver.
Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
| USAA | 4.2 | 3.3 | 4.4 | 4.3 |
| State Farm | 3.9 | 3.4 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
| Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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What are the best companies in Odessa, Texas?
Best cheap car insurance quotes in Odessa
Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Odessa—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Odessa
To hit the road legally, Odessa drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Do you need more than minimum coverage in Odessa?
Most drivers in Odessa need higher liability coverage than the 30/60/25 state minimum mandated by Texas car insurance laws.
If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.
It’s important to note that Texas’ car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date!
The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Odessa
Full coverage car insurance is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle.
Full coverage includes comprehensive and collision coverage:
- Collision coverage covers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage policy, you can choose to purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Jerry has helped drivers in Odessa and beyond find full coverage quotes that won’t break the bank.
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Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | Bluefire | $86 | 68 | 79761 | Chevrolet Silverado C1500 Lt |
| State Minimum | Yes | Bluefire | $193 | 38 | 79763 | Toyota Camry Se |
| State Minimum | No | Commonwealth Insurance | $90 | 30 | 79763 | Toyota Corolla Base |
| State Minimum | No | Progressive | $144 | 23 | 79765 | Dodge Challenger R/T |
| State Minimum | Yes | Bluefire | $171 | 61 | 79762 | Toyota Corolla Cross Le |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Odessa
After analyzing scores of insurance providers in Odessa, we have discovered that the average price for minimum liability coverage amounts to be $103 per month or $1,231 per year. Additionally, residents of Odessa can expect to pay an average of $172 per month or $2,067 per year for full coverage insurance.
While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 79761 | $69 | $207 |
| 79762 | $67 | $225 |
| 79763 | $89 | $187 |
| 79764 | $113 | $226 |
| 79765 | $79 | $186 |
| 79766 | $84 | $173 |
Car insurance quotes in Odessa by rating factors
Insurance companies in Odessa use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
Cheap car insurance quotes in Odessa after driving violations
Your Texas driving record influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Odessa after speeding ticket
In Odessa, a speeding ticket could increase your car insurance rate by about 14%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Progressive | $144 | 23 | 79765 | Dodge Challenger R/T | State Minimum | No |
| Speeding Violation-Major | Bluefire | $161 | 37 | 79761 | Chevrolet Blazer 1Lt | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $115 | 30 | 79762 | Dodge Ram 1500 | State Minimum | No |
| Speeding Violation-Major | Progressive | $366 | 18 | 79761 | Ford F-150 | State Minimum | No |
| Speeding Violation-Minor | Progressive | $389 | 41 | 79766 | Chevrolet Camaro Ss | State Minimum | Yes |
Cheapest car insurance in Odessa after DUI
A DUI in Odessa is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates.
Cheapest car insurance in Odessa after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Bluefire | $86 | 68 | 79761 | Chevrolet Silverado C1500 Lt | State Minimum | No |
| At Fault With No Injury | Bluefire | $161 | 37 | 79761 | Chevrolet Blazer 1Lt | State Minimum | Yes |
| Not At Fault | Bluefire | $336 | 28 | 79764 | Ford F-150 | State Minimum | Yes |
| At Fault With No Injury | Progressive | $423 | 27 | 79762 | Ram 1500 Big Horn | State Minimum | Yes |
| At Fault With No Injury | Electric | $215 | 27 | 79765 | Volkswagen Tiguan S | State Minimum | Yes |
Cheapest car insurance in Odessa after other driving violations
Speeding tickets, DUIs, reckless driving, and suspended licenses on your driving record can all lead to rate hikes from any car insurance provider in Odessa.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Racing/Drag Racing | Progressive | $641 | 22 | 79763 | Chevrolet Silverado C1500 Lt | 50/100 | Yes |
| Improper Passing | Electric | $492 | 73 | 79764 | Chevrolet Malibu Lt | State Minimum | Yes |
| Operating Vehicle without Permission | Bristol West | $302 | 21 | 79766 | Toyota 4Runner Limited | State Minimum | Yes |
| Failure to Yield | Bluefire | $336 | 28 | 79764 | Ford F-150 | State Minimum | Yes |
| Wrong Way/Wrong Lane | Bluefire | $505 | 30 | 79761 | Dodge Challenger Gt | State Minimum | Yes |
Cheap car insurance quotes in Odessa by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Odessa for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Odessa. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents.
Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!
Cheapest car insurance in Odessa for senior drivers
Car insurance rates for seniors tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.
With Jerry, senior drivers can continue to save on car insurance.
Cheap car insurance quotes in Odessa based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find saving on car insurance coverage regardless of their insured status.
Cheap car insurance quotes in Odessa for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a higher credit score, and the premiums you could find using Jerry:
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Bluefire | $86 | 68 | 79761 | Chevrolet Silverado C1500 Lt | State Minimum | No |
| 550-659 | Bluefire | $193 | 38 | 79763 | Toyota Camry Se | State Minimum | Yes |
| 660-750 | Commonwealth Insurance | $90 | 30 | 79763 | Toyota Corolla Base | State Minimum | No |
| 550-659 | Progressive | $144 | 23 | 79765 | Dodge Challenger R/T | State Minimum | No |
| 550-659 | Bluefire | $171 | 61 | 79762 | Toyota Corolla Cross Le | State Minimum | Yes |
Cheap car insurance quotes in Odessa for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Odessa. Every model has a unique cost of repair, set of safety features, and rate of theft.
Popular car models for Odessa drivers include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Chevrolet Silverado C1500 Lt | Bluefire | $86 | 68 | 79761 | State Minimum | No |
| Toyota Corolla Base | Commonwealth Insurance | $90 | 30 | 79763 | State Minimum | No |
| Toyota Corolla Cross Le | Bluefire | $171 | 61 | 79762 | State Minimum | Yes |
| Chevrolet Silverado C1500 Lt | Progressive | $641 | 22 | 79763 | 50/100 | Yes |
| Toyota Corolla Cross L | Bluefire | $226 | 30 | 79762 | State Minimum | Yes |
Cheapest car insurance in Odessa for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Odessa is generally more expensive than that of an older car.
Average insurance rates in Odessa for vehicles based on age are:
- Vehicles 10 years or older: $99
- Vehicles less than 4 years old: $152
How to lower car insurance costs in Odessa
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
