Odessa, TX, Car Insurance

Full coverage car insurance in Odessa averages $134 per month. Rates can vary widely, from a low of $127 to a high of $406, depending on various factors. To help drivers better understand potential costs, the table below shows average car insurance rates for different driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Odessa, the average car insurance cost is $1,618 per year for full coverage and $701 for minimum coverage. These rates are lower than the Texas averages, where full coverage costs around $1,705, and minimum coverage is about $816 annually.

While premiums may be rising across Texas, you can still find cheap car insurance in Odessa. Texas Farm Bureau offers the most affordable minimum coverage at $28 per month. For full coverage, their rate is the best at $64 per month.

Texas Farm Bureau is often the cheapest car insurance provider, but rates can vary for each driver. To find the most affordable insurance, it's best to compare quotes from multiple companies. Below is a table showing the cheapest car insurance rates for different driver profiles.

Different car insurance companies in Odessa set their prices uniquely. To find affordable car insurance, compare rates from many providers. We detail the cheapest options for minimum coverage and full coverage car insurance below.

Texas Farm Bureau provides the cheapest minimum coverage auto insurance at $28 per month. Mercury follows closely with a rate of $30 monthly. See the breakdown of the cheapest options in the table below.

Texas Farm Bureau offers the cheapest full coverage car insurance in Odessa at $64 per month. Explore more options from other providers in the list below.

To find affordable car insurance in Odessa, compare quotes from several local companies. Texas Farm Bureau offers the cheapest rate at $555 annually. Mercury stands out as the best cheap provider with a MoneyGeek score of 74.5. Check the table below for more options to consider.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,618 per year for 40-year-olds and $1,528 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Odessa at $126 per month, saving you $106 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

**Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.*

Young drivers in Odessa can find the cheapest minimum coverage with Texas Farm Bureau at $36 per month. For full coverage, Texas Farm Bureau also offers the best rate at $79 per month. Check the table below to see which providers offer the cheapest rate for different young driver profiles.

Texas Farm Bureau offers the most affordable auto insurance for young drivers at $57 per month. Explore other affordable auto insurance options available. The table below shows other companies with competitive rates.

**Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.*

Texas Farm Bureau and State Farm offer the most affordable car insurance options. Rates vary based on factors like driving history and coverage type. The table below shows the cheapest providers for different driver and coverage profiles.

Texas Farm Bureau offers the cheapest monthly premium for seniors at $39 for both minimum and full coverage. State Farm is the second most affordable at $52 per month. The table below shows options of the top car insurance providers for seniors in Odessa.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Odessa, high-risk drivers can compare their car insurance rates to the state average for both minimum and full coverage. Generally, those with bad credit and DUIs pay the highest premiums. On the other hand, accidents and speeding tickets have a smaller impact on insurance costs.

Mercury offers the cheapest minimum coverage for drivers with a DUI at $504 per year. Meanwhile, Texas Farm Bureau provides the most affordable full coverage at $1,505 per year. Check out the table below to see more options for low-cost coverage.

**Rates are for a 40-year-old driver with good credit and a DUI.*

State Farm, Texas Farm Bureau, and Mercury offer the most affordable car insurance for drivers with an at-fault accident in Odessa. For a detailed look at the cheapest auto insurance after an at-fault accident, explore the options available. Below is a table showing various providers in Odessa offering cheap car insurance coverage for drivers with an at-fault accident violation.

**Rates are for a 40-year-old driver with good credit an at-fault accident.*

Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Odessa, with rates of $28 for minimum coverage and $64 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Drivers with bad credit in Odessa can find the most affordable rates for drivers with bad credit with Mercury at $42 for minimum coverage and Texas Farm Bureau at $144 for full coverage. See the table below for other affordable options.

**Rates are for a 40-year-old driver with bad credit and no driving violations.*

In Texas, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $30,000 for bodily injury liability per person.
• $60,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

Imagine you're in a fender bender; the state minimum covers damages up to these amounts, helping you avoid out-of-pocket expenses.

Texas Farm Bureau offers the cheapest car insurance in Odessa, with minimum coverage at just $28 and full coverage at $64. No matter your age or credit, you'll find options that match your wallet. Make sure your policy covers Texas's 30/60/25 liability minimums. Shop around to get the best deal without giving up the protection Texans need.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in Odessa. Discover how to secure affordable rates while ensuring you have the necessary coverage for peace of mind.

MoneyGeek Analysis of Odessa Auto Insurance Prices

MoneyGeek conducted an analysis of Odessa auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.

Odessa Driver Profile

To assess the best and most affordable auto insurance options for Odessa residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records, and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Odessa

In assessing the car insurance quotes for Odessa, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:

The minimum coverage requirements in Texas are:

• $30,000 for bodily injury liability per person.
• $60,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options, and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Odessa
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Odessa. For more details on our evaluation process, see MoneyGeek's methodology.