Odessa, TX Car Insurance

What's the average cost of car insurance in Odessa?


The average cost of car insurance in Odessa, Texas, is $1,402 each year. That's less expensive than the average across Texas ($1,415) and less expensive than the national average of $1,548. Our guide to Odessa car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


AUTO INSURANCE COSTS: ODESSA VS. STATE AND US AVERAGES
Odessa Average (yearly)Texas AverageNational Average
$1,402$1,415$1,548

Jump to:

Compare rates instantly:

Location pin icon
No spam. We take your privacy seriously.


Odessa car insurance rates by provider


One of the best ways to save on auto insurance is to compare rates from multiple companies and to 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.


ODESSA CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$1,237
State Farm$1,245
USAA$1,250
Allstate$2,192

Read our guide to finding the best cheap auto insurance.



Odessa car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Odessa are drivers in their age_50s, who pay an average of $1,203per year. Rates for Odessa drivers in their age_60s are also relatively affordable, at just $1,233 per year.

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.


ODESSA CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$3,495
20s$1,820
30s$1,377
40s$1,337
50s$1,203
60s$1,233
70s$1,492

Learn more about the impact of age on car insurance premiums.



Odessa auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In Odessa, married drivers pay $103 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Odessa, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Odessa, the gap in car insurance rates between genders is $24 per year, with male drivers paying more than female drivers.


ODESSA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,378
Male$1,402
Single$1,300
Married$1,300
Divorced$1,402
Widowed$1,269

Learn more about how gender and marital status have on insurance rates.



Odessa auto insurance costs by citation and accident history


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.


AVERAGE ODESSA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DWI/DUI$2,149
Reckless Driving$2,131
At-fault Accident (damages less than $1,000)$1,750
At-fault Accident (damages greater than $2,000)$2,096
Speeding Ticket (16-20 mph over speed limit)$1,524

Get more info on how a bad driving history can impact your car insurance costs.



Odessa auto insurance costs by credit level


It's no secret credit score is closely correlated with auto insurance rates. In fact, 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 $1,209 decrease in yearly insurance premiums.


ODESSA CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor$2,955
Fair$1,746
Good$1,402
Very Good$1,302
Exceptional$1,159

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.