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How much is car insurance in Odessa?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Odessa typically costs about $6 a month less than it does in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Odessa is rather affordable. It's around $22 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Odessa, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Odessa to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Odessa.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Odessa, however, male and female drivers both pay, on average, $59 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Odessa with a single accident will pay around $79 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $64.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$55|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Odessa, with drivers paying around $56 per month for insurance.
Car owners will see a monthly rate of about $60, while SUV owners by and large pay around $59 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Odessa, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Odessa is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Odessa. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Odessa, TX
Recent trends in car insurance for Odessa drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The cost of car insurance in Odessa went up from 2017-2018, before leveling out in 2019. They increased again, reaching a high of $72 in 2021, and finished down at $60 in 2022.
How does Odessa compare to neighboring areas?
Why are car insurance rates in Odessa different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers
- Rate of car accidents
- Off-street parking access
- Prevalence of crime
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Odessa?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Odessa in no time.
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Odessa Insurance FAQs
What factors affect car insurance quotes in Odessa?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Odessa different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Odessa?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Odessa?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Odessa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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