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Cheapest car insurance in Odessa, Texas (Nov 2024)
Cheapest car insurance in Odessa, Texas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Odessa, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance quotes in Odessa
- Best car insurance companies in Odessa
- Best cheap car insurance quotes in Odessa
- Average cost of car insurance in Odessa
- Car insurance quotes in Odessa by rating factors
- How do different factors impact your car insurance costs in Odessa?
- Cheap car insurance quotes in Odessa after driving violations
- Cheap car insurance quotes in Odessa by age
- Cheap car insurance quotes in Odessa based on insurance history
- Cheap car insurance quotes in Odessa for drivers with poor credit
- Cheap car insurance quotes in Odessa for popular cars
- How to lower car insurance costs in Odessa
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Odessa
In Odessa, the average
auto insurance
policy costs about $116 per month for minimum coverage liability insurance, and about $244 per month for full coverage insurance. Odessa drivers pay 14% 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $256 | Winnie, 34 Zip: 79766 | Nissan Pathfinder SL | • State Minimum Liability • Comp / Collision |
| Safeco | $232 | Christine, 23 Zip: 79761 | Chevrolet Malibu LT | • State Minimum Liability • Comp / Collision |
| Allstate | $174 | Jeffery, 43 Zip: 79764 | GMC Yukon SLT | • State Minimum Liability • Comp / Collision |
| Nationwide | $185 | Arthur, 26 Zip: 79763 | Chevrolet Silverado C1500 RST | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $69 | Virgie, 54 Zip: 79762 | Acura MDX | • State Minimum Liability |
Last Updated Nov 21, 2024Best 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.
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.
What are the best companies in Odessa, Texas?
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.
Ian (25 years old)
$134
per month
Jeffery (43 years old)
CoverageState Minimum
Odessa, TX (Zip Code: 79764)
GMC Yukon SLT$174
per month
Marcus (48 years old)
$183
per month
Vernon (23 years old)
$174
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 coveragecovers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coveragepays 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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $256 | Winnie, 34 Zip: 79766 | Nissan Pathfinder SL |
• State Minimum Liability • Comp / Collision | Allstate | $174 | Jeffery, 43 Zip: 79764 | GMC Yukon SLT |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $185 | Arthur, 26 Zip: 79763 | Chevrolet Silverado C1500 RST |
• State Minimum Liability • Comp / Collision | Safeco | $232 | Christine, 23 Zip: 79761 | Chevrolet Malibu LT |
• State Minimum Liability • Comp / Collision | National General | $227 | Irene, 53 Zip: 79762 | Jeep Grand Cherokee Summit |
Last Updated Nov 21, 2024The 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 $116 per month or $1,392 per year. Additionally, residents of Odessa can expect to pay an average of $244 per month or $2,928 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 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Odessa by rating factors
- 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?
How do different factors impact your car insurance costs in Odessa?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $131 | Jacob, 30 Zip: 79765 | Honda Civic Touring | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Electric | $222 | Sallie, 30 Zip: 79764 | Chevrolet Silverado K1500 LTZ | • State Minimum Liability • Comp / Collision |
Last Updated Nov 16, 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.
Isabel (44 years old)
$64
per month
Francis (31 years old)
$62
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Bristol West | $344 | Bess, 25 Zip: 79761 | Nissan Kicks SV | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $101 | Gabriel, 26 Zip: 79762 | Toyota RAV4 HV LE | • State Minimum Liability |
Not At Fault | Safeco | $187 | Eva, 37 Zip: 79766 | Jeep Gladiator Rubicon | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $185 | Gordon, 25 Zip: 79763 | Chevrolet Silverado C1500 RST | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest 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.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $113 | Phillip, 62 Zip: 79764 | Chevrolet Silverado K2500 | • State Minimum Liability |
Failure to Yield | Travelers | $256 | Carlos, 37 Zip: 79763 | RAM 3500 Tradesman | • 50,000/100,000 Liability • Comp / Collision |
Failure to Obey Signal | Safeco | $153 | Aiden, 44 Zip: 79764 | Mazda CX-5 Touring | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap 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.
Vincent (23 years old)
$126
per month
Lee (24 years old)
$243
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:
Lydia (68 years old)
$76
per month
Ernest (66 years old)
$109
per month
Ora (121 years old)
$138
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
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:
Nancy (68 years old)
$76
per month
Don (24 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Odessa, TX (Zip Code: 79762)
$248
per month
Roger (26 years old)
$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 range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $246 | Willie, 23 Zip: 79761 | Chevrolet Malibu LT | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $109 | Gordon, 65 Zip: 79766 | Ford Mustang GT | • State Minimum Liability • Comp / Collision |
660 - 750 | Nationwide | $185 | Duane, 25 Zip: 79766 | Chevrolet Silverado C1500 RST | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Gainsco | $129 | Max, 62 Zip: 79764 | Chevrolet Silverado K2500 | • State Minimum Liability |
< 550 | State Auto | $76 | May, 36 Zip: 79763 | Nissan Versa S | • State Minimum Liability |
Last Updated Nov 18, 2024Cheap 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.
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Honda Civic Touring | Progressive | $131 | Jacob, 30 Zip: 79765 | • State Minimum Liability • Comp / Collision |
| Toyota Corolla XSE | Bristol West | $229 | Mary, 27 Zip: 79762 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 16, 2024How 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
What is the cheapest car insurance in Odessa?
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!
What is the minimum car insurance in Odessa, Texas?
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.
What is the best car insurance in Odessa?
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.
How much is car insurance in Odessa?
People living in Odessa pay on average $116 per month – or $1,392 per year – on state-minimum liability coverage. Full coverage in Odessa costs on average $244 per month or $2,928 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
Maria Cruz
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.
Kianna Walpole
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.
Josh Damico
Head Of Insurance Operations
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.