Odessa Car Insurance

The Zebra
May 30, 2018

Car Insurance in Odessa

Premiums in Texas are 27% greater than the national average, which is why the state is recognized for its costly rates. Premiums run high in the city as well, so if you are insuring a vehicle in Odessa, understanding premium costs is important. Keep some money in your pocket by following the tips below about how to save on car insurance in Odessa.

  • City Average: $1,755
  • State Average: $1,810
  • National Average: $1,427

Odessa Car Insurance by Accident or Violation History

By avoiding driving mishaps that can bloat your insurance premiums, you can not only save yourself money, but become a safer driver. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. In Odessa, individuals who are found at-fault in an accident end up paying $832 more per year to insure their vehicle. Usually, a DUI in Odessa will cost you 40% more in car insurance premiums versus the city average ($1,755). Reckless driving will also push your rates up, with typical rates of $2,401.

  • DUI: $2,454
  • Reckless Driving: $2,401
  • At-fault Accident (damages less than $1000): $2,587
  • At-fault Accident (damages greater than $2000): $2,587
  • Speeding Ticket (16-20 mph over speed limit): $1,825

Odessa Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of 53% every year on car insurance. Drivers will see the biggest percent decrease in premiums when they improve their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.

  • Very Poor: $3,105
  • Fair: $2,616
  • Good: $2,162
  • Very Good: $1,815
  • Exceptional: $1,458

Odessa Car Insurance by Age

Teenage drivers have the highest rates of any age group. They have typical car insurance payments of $5,508 per year. In Odessa, when drivers reach their 20s, therefore moving out of the teenage age range, they pay 61% less in premiums. It is the biggest gap between any age group. Insurance rates in Odessa continue to trend downward up until drivers hit 60. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest payments among any age group, with rates of $1,476 per year. Those in their 60s ($1,533) have premiums that aren't much higher.

  • Teenagers: $5,508
  • 20s: $2,124
  • 30s: $1,726
  • 40s: $1,665
  • 50s: $1,476
  • 60s: $1,533
  • 70s: $1,880

Odessa Car Insurance by Gender and Marital Status

Many driver traits, including marital status and gender, can influence car insurance premiums in Odessa. Premiums for women are usually 2% cheaper than for men. Believe it or not, marital status has a substantial impact on premiums. Being married, as opposed to single or divorced, can save you around $180 per year. Rates for those who are widowed are also way cheaper than rates for those who are single.

  • Female: $1,722
  • Male: $1,755
  • Single: $1,755
  • Married: $1,571
  • Divorced: $1,755
  • Widowed: $1,578

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