The best car insurance in Odessa, TX

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Erin GoblerErin GoblerInsurance ExpertErin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average driver in Odessa pays $1,786 per year for car insurance, $32 less than the $1,818 that the average Texas driver pays each year. Drivers in Odessa have access to some of the most affordable insurance rates in the state.

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With so many insurance companies to choose from, it’s important to shop around for the right policy. Policygenius can help you get quotes from the top insurers and find a policy that offers the best coverage at an affordable rate.

Key takeaways

  • State Farm has the cheapest car insurance in Odessa, with an average rate of $1,074

  • Redpoint County Mutual offers the lowest average rates for Odessa drivers with bad credit

  • Texas drivers must carry $30,000 per person and $60,000 per accident for bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Odessa, TX

The price of car insurance depends on several key factors, including your age, gender, driving history, credit score, vehicle, location, and more. While all insurance companies depend on the same information to determine your rates, they each have their own system, meaning rates may vary significantly from one insurer to the next. As you can see below, Texas Farm Bureau has the cheapest car insurance in Odessa, followed by State Farm.

Company

Average cost

JD Power Rating

State Farm

$1,074

882

Farm Bureau

$1,119

--

Redpoint County Mutual

$1,263

--

Germania Insurance

$1,323

--

Southern County Mutual

$1,417

--

Cheapest car insurance rates by ZIP code in Odessa, TX

It’s not just the city you live in that can impact your car insurance rates. The specific ZIP code where you live within the city can also cause your rates to be higher or lower.

In general, people in lower-risk areas pay less for car insurance. As a result, those living in ZIP codes with fewer accidents, less crime, and fewer uninsured drivers pay lower rates, while those in higher-risk areas pay higher rates. Below you can see a breakdown of the average rate across different ZIP codes within Odessa.

ZIP code

Average cost

79765

$1,748

79762

$1,780

79764

$1,783

79766

$1,785

79763

$1,809

79761

$1,810

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Choosing the right car insurance company in Odessa, TX

Choosing the right car insurance company can mean a difference of hundreds of dollars in savings each year. The insurance experts at Policygenius can help answer all your insurance questions and can help you get quotes from Odessa’s top car insurance companies.

Car insurance rates for drivers with driving violations in Odessa, TX

Your motor vehicle record is an important factor that insurers consider when setting your insurance rates. Drivers with violations such as driving under the influence, causing an accident, speeding, and more can cause your insurance rates to go up.

Certain offenses will affect your insurance rates more than others, and how much your rate increases depends largely on your insurance company. Luckily, many driving violations fall off your record after several years, meaning you’ll eventually see your rate go back down.

Violation

State Farm

Farm Bureau

Redpoint County Mutual

Germania Insurance

Southern County Mutual

At-fault accident

$1,289

$1,920

$1,263

$1,782

$2,133

DUI

$1,729

$2,342

$1,263

$2,932

$1,865

Suspended license

$1,509

$1,219

$1,263

$2,357

$1,865

Open container

$1,640

$2,342

$1,263

$1,413

$1,865

Expired registration

$1,090

$1,219

$1,263

$1,413

$1,583

Driving without lights

$1,090

$1,219

$1,263

$1,413

$1,583

Running a red light

$1,090

$1,219

$1,263

$1,413

$1,583

Following too closely

$1,090

$1,219

$1,263

$1,413

$1,583

Hit and run

$1,729

$1,219

$1,263

$2,932

$1,865

Not-at-fault accident

$1,090

$1,219

$1,263

$1,470

$1,489

Passing a school bus

$1,090

$1,219

$1,263

$1,413

$1,865

Reckless driving

$1,729

$1,219

$1,263

$2,932

$1,865

Speeding

$1,090

$1,219

$1,263

$1,413

$1,583

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Cheapest car insurance for drivers with bad credit in Odessa, TX

You might be surprised to learn that your credit score can also affect your insurance rates. Studies have linked credit to insurance risk and have found that drivers with poor credit are more likely to file an insurance claim. As a result, the lower your credit score, the higher your insurance rates are likely to be.

Luckily, there are certain marks on your credit report that insurance companies can’t use against you, including medical debt and credit checks that are either related to insurance coverage or from businesses that you didn’t request.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$1,263

Nationwide

$2,576

Germania Insurance

$2,601

Auto Club

$2,615

Southern County Mutual

$2,618

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Buying car insurance in Odessa, TX

Like nearly every other state, Texas requires drivers in the state to carry a certain amount of car insurance coverage to protect themselves and other drivers.

Texas is not a no-fault insurance state, which means that the driver who is at fault for an accident is also financially liable for any injuries and property damage. As a result, Texas requires drivers to carry the following liability insurance coverages, which will cover your liabilities if you cause an accident:

  • Bodily insurance liability coverage of $30,000 per person and $60,000 per accident

  • Property damage liability coverage of $25,000

The first time you get caught driving without car insurance in Texas, you could be subject to a fine between $175 and $350. For the second offense and any offense after that, the penalty is even higher. You may have your vehicle impounded for 180 days and be on the hook for the impoundment fees. You’ll also have to prove that you have insurance before your car will be released.

In addition to the required liability insurance, Texas also requires that all insurance companies provide uninsured and underinsured motorist coverage and include it in all policies by default. You don’t have to accept this coverage, but you’ll have to tell the company in writing if you want it removed from your policy.

How to get cheap car insurance in Odessa, TX

Because Texas has higher insurance rates than the national average, it’s important to take advantage of opportunities to lower your rate. Here are a few strategies you can use to save on insurance:

  • Shop around: As we’ve seen, the car insurance premiums can vary a lot from one carrier to the next. It’s important to shop around and get quotes from several companies to ensure you’re getting the best price for the coverage you need.

  • Save with discounts: Insurance companies offer discounts to help their customers save on their premiums. Common discounts include those for having multiple cars on your policy, multiple policies with the same carrier, driving a safe car, and more.

  • Raise your deductible: There’s an inverse correlation between your deductible and your premium, meaning your premium will go down as your deductible goes up. One easy way to save each month is to simply increase your deductible.

Frequently asked questions

Who has the cheapest car insurance in Odessa, TX?

State Farm has the cheapest car insurance in Odessa, Texas. On average, car insurance from State Farm costs the city's driver's $1,074 per year.

How much does car insurance cost in Odessa, TX?

The average cost of car insurance in Odessa is $149 per month, or $1,786 per year. Not all drivers will pay this much for car insurance, though.

Why is car insurance more expensive in Texas?

Texas is one of the most expensive states when it comes to car insurance rates, partially because of the population density, a high number of accidents, and higher speed limits than much of the country.

Is insurance required in Odessa, Texas?

Yes, to drive legally in Odessa (and the rest of Texas), drivers have to carry at least $30,000 of bodily injury liability coverage per person, $60,000 per accident, and $25,000 per accident of property damage liability coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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