Odessa residents pay an average of $116 per month for insurance. Are you paying too much?
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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!
|Odessa Average (yearly)||Texas Average||National Average|
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.
The age group that enjoys the lowest auto insurance rates in Odessa are drivers in their 50s, who pay an average of $1,203 per year. Rates for Odessa drivers in their 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.
|Age group||Average Yearly Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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/Violation||Average Yearly Rate|
|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|
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.
|Credit Score||Average Yearly Rate|
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 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.