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Cheapest car insurance in Odessa, Texas (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Odessa, Texas.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance quotes in Odessa

In Odessa, the average
auto insurance
policy costs about $97 per month for minimum coverage liability insurance, and about $156 per month for full coverage insurance. Odessa drivers pay 2% 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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$76
Jim, 68
Zip: 79761
Chevrolet Silverado C1500 LT
• State Minimum Liability
• Comp / Collision
Safeco
$187
Michael, 37
Zip: 79766
Jeep Gladiator Rubicon
• State Minimum Liability
• Comp / Collision
Travelers
$159
Myrtie, 41
Zip: 79765
Honda Accord EXL
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$185
Jacob, 25
Zip: 79763
Chevrolet Silverado C1500 RST
• 50,000/100,000 Liability
• Comp / Collision
National General
$170
Marcus, 56
Zip: 79764
Ford F150
• State Minimum Liability
coverageLast Updated May 28, 2024

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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
There’s no one insurance company that offers the best rates for every driver. Providers all use their own algorithms and calculations to determine rates—so what might be best for you might look completely different for someone else. 
However, affordable rates for state minimum coverage in Odessa are frequently found with Nationwide, Allstate, and Foremost—and affordable full coverage in Odessa is frequently found with Mercury Auto, Nationwide, and Clearcover.

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. 
Jerry has helped Odessa drivers find affordable minimum liability coverage with no hassles.
card cover
Jim (68 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79761)
$76
per month
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Michael (37 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79766)
$187
per month
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Samuel (47 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79766)
$183
per month
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Richard (40 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79763)
carChevrolet Tahoe C1500
$123
per month
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Barbara (30 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79762)
carDodge Grand Caravan SE
$195
per month

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.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$76
Jim, 68
Zip: 79761
Chevrolet Silverado C1500 LT
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$159
Myrtie, 41
Zip: 79765
Honda Accord EXL
• State Minimum Liability
• Comp / Collision
Allstate
$174
Sallie, 42
Zip: 79764
GMC Yukon SLT
• State Minimum Liability
• Comp / Collision
Safeco
$187
Michael, 37
Zip: 79766
Jeep Gladiator Rubicon
• State Minimum Liability
• Comp / Collision
State Auto
$202
Maurice, 36
Zip: 79763
Nissan Versa S
coverageLast Updated May 28, 2024
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 $97 per month or $1,164 per year. Additionally, residents of Odessa can expect to pay an average of $156 per month or $1,877 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 CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
79761
$69
$207
79762
$67
$225
79763
$89
$187
79764
$113
$226
79765
$79
$186
79766
$84
$173
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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.

How do different factors impact your car insurance costs in Odessa?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Odessa:

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 19%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$131
Blanche, 30
Zip: 79765
Honda Civic Touring
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Electric
$222
Billy, 30
Zip: 79764
Chevrolet Silverado K1500 LTZ
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 29, 2024

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
Jerry has assisted many Odessa drivers with finding affordable rates after a DUI.
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Allen (36 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79763)
$84
per month
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Beulah (31 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79764)
$76
per month

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.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Bristol West
$344
Garrett, 25
Zip: 79761
Nissan Kicks SV
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$101
Flora, 26
Zip: 79762
Toyota RAV4 HV LE
• State Minimum Liability
Not At Fault
Safeco
$187
Roy, 37
Zip: 79766
Jeep Gladiator Rubicon
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$185
Eugenia, 25
Zip: 79763
Chevrolet Silverado C1500 RST
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 28, 2024

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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$113
Lily, 62
Zip: 79764
Chevrolet Silverado K2500
• State Minimum Liability
Failure to Yield
Travelers
$256
Celia, 37
Zip: 79763
RAM 3500 Tradesman
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Safeco
$153
Alice, 44
Zip: 79764
Mazda CX-5 Touring
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 29, 2024

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! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
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Glenn (24 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79765)
carChevrolet Trax 1LT
$443
per month
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Julian (23 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79761)
$232
per month
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Christopher (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationOdessa, TX
(Zip Code: 79762)
$248
per month
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Hattie (23 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79764)
$243
per month
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Clearcover
Rosie (24 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79764)
$203
per month

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.
But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
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Jim (68 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79761)
$76
per month
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Eliza (65 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79766)
$109
per month
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Janie (120 years old)
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79762)
$138
per month

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 savings on car insurance coverage regardless of their insured status:
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May (68 years old)
Currently Insured
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79761)
$76
per month
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Jackson (41 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationOdessa, TX
(Zip Code: 79765)
$159
per month
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Brett (24 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationOdessa, TX
(Zip Code: 79762)
$248
per month
card cover
Chester (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79766)
$187
per month
card cover
Violet (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationOdessa, TX
(Zip Code: 79766)
$278
per month

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 lower credit score, and the premiums you could find using Jerry:
Credit rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
> 750
Progressive
$246
Keith, 23
Zip: 79761
Chevrolet Malibu LT
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$109
Christian, 65
Zip: 79766
Ford Mustang GT
• State Minimum Liability
• Comp / Collision
660 - 750
Nationwide
$185
Lydia, 25
Zip: 79766
Chevrolet Silverado C1500 RST
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Gainsco
$129
Alvin, 62
Zip: 79764
Chevrolet Silverado K2500
• State Minimum Liability
< 550
State Auto
$76
Mabelle, 36
Zip: 79763
Nissan Versa S
• State Minimum Liability
coverageLast Updated May 27, 2024

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.

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

Based on thousands of Odessa drivers Jerry has worked with, car insurance in Odessa costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
The state-minimum car insurance in Odessa, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica and Direct Auto receive good ratings from Odessa drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
People living in Odessa pay on average $97 per month – or $1,164 per year – on state-minimum liability coverage. Full coverage in Odessa costs on average $156 per month or $1,877 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
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.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.