The best car insurance in Odessa, TX

By

Erin Gobler

Erin Gobler

Insurance Expert

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.

Published October 27, 2021

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The average driver in Odessa pays $1,795 per year for car insurance, less than the $1,840 that the average Texas driver pays each year. While Texas is among the more expensive states when it comes to car insurance, drivers there only pay about $200 more per year than the national average. And the good news is that drivers in Odessa have access to even more affordable insurance policies than much of 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

  • Texas Farm Bureau has the cheapest car insurance in Odessa, with an average rate of $1,113

  • 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

Texas Farm Bureau

$1,113

--

State Farm

$1,171

881

Germania Insurance

$1,201

--

GEICO

$1,421

871

Nationwide

$1,564

876

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

79761

$1,814

79762

$1,790

79763

$1,818

79764

$1,792

79765

$1,763

79766

$1,793

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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Nationwide

At-fault Accident

$1,911

$1,415

$1,634

$2,230

$2,662

DUI

$4,699

$1,922

$2,720

$2,434

$3,377

Driving with a suspended license

$1,949

$1,669

$2,176

$2,434

$2,094

Driving with an open container

$4,699

$1,822

$1,284

$2,434

$2,094

Driving with expired registration

$1,213

$1,188

$1,284

$1,714

$2,094

Driving without Lights

$1,213

$1,188

$1,284

$1,714

$2,094

Failure to show documents

$1,213

$1,188

$1,284

$1,714

$2,094

Failure to stop at a red light

$1,213

$1,188

$1,284

$1,714

$2,094

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

$2,347

Germania Insurance

$2,368

State Farm

$2,453

Nationwide

$2,486

Auto Club Group

$2,525

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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?

Texas Farm Bureau has the cheapest car insurance in Odessa, with an average rate of $1,113. State Farm is the runner-up with an average rate of $1,171.

How much does car insurance cost in Odessa, TX?

Texas drivers pay an average insurance rate of $1,840 per year, though plenty of providers in Odessa have average premiums lower than that.

What factors impact my insurance rates?

Your car insurance rate is determined by many factors, including your location, driving history, driving frequency, credit, age, gender, and coverage amount.

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.

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.