Odessa, TX Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Odessa.
How much does car insurance cost in Odessa?
The average cost of car insurance in Odessa, Texas, is $701 every six months. That's less expensive than the average across Texas ($707) and less expensive than the national average of $880. Our guide to Odessa car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
| Car insurance in Odessa vs. Texas | Average 6 Mo. Premium |
|---|---|
| Odessa average | $701 |
| Texas average | $707 |
The Zebra's key takeaways about car insurance in Odessa:
- The average cost of a car insurance policy in Odessa is $701 per six-month policy — $116 per month.
- The cheapest company in Odessa is GEICO ($618).
- 43% of Zebra customers in Odessa stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Odessa car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the insurer that best fits your coverage needs. In Odessa, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Odessa below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $618 |
| State Farm | $622 |
| USAA | $625 |
| Allstate | $1,096 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Odessa.
Odessa auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 30% of Odessa drivers. The age group that enjoys the lowest auto insurance rates in Odessa are drivers in their 50s, who pay an average of $601 per six-month. Rates for Odessa drivers in their 60s are also relatively affordable, at just $616 per six-month.
The Odessa drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Odessa is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Odessa is $1,675. That's the biggest gap in premiums between any pair of age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $1,741 |
| 20s | $589 |
| 30s | $422 |
| 40s | $403 |
| 50s | $372 |
| 60s | $385 |
| 70s | $485 |
Odessa car insurance rates by credit score
It's no secret credit score is closely correlated with auto insurance rates. Odessa drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Odessa, improving your credit to "Fair" could help you earn a $604 decrease in six-month insurance premiums. Our data tells us 41% of drivers in Odessa have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,477 |
| Fair | $873 |
| Good | $701 |
| Very Good | $651 |
| Exceptional | $579 |
Odessa car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Odessa, a reckless driving citation results in an average insurance rate increase of $729 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $747 increase, and a speeding ticket triggers a $122 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,074 |
| Reckless Driving | $1,065 |
| At-fault Accident (damages less than $1,000) | $875 |
| At-fault Accident (damages greater than $2,000) | $1,048 |
| Speeding Ticket (16-20 mph over speed limit) | $762 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.