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How much is car insurance in Odessa?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Odessa is about $6 a month cheaper.
Similarly, when compared to the national average, the cost for auto insurance in Odessa is lower. On average, it's about $21 less to insure your vehicle in Odessa than it is in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Odessa, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But worry not, we've done the heavy lifting and broken down the average rate for Odessa to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Odessa Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $44 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Odessa drivers may see their rates climb back up a bit once they hit retirement.
Odessa Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Odessa, however, both pay the same monthly amount for auto insurance.
Odessa Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Odessa with a single accident on their record is about $78 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $62.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Odessa Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$55|
In terms of affordable coverage, the cheapest vehicles to insure in Odessa are usually trucks and vans, at $56 per month.
Car owners, on the other hand, typically pay around $60 a month, while SUV drivers can expect to pay about $58 per month for insurance coverage.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Odessa, vehicles less than one year old are the most expensive to insure.
Odessa Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Odessa can be as much as $13 a month, so it's worth keeping that in mind.
Odessa Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your housing status is another component of how insurance companies calculate your monthly rate. In Odessa, homeowners can expect to pay around $9 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Odessa, TX
Recent trends in car insurance for Odessa drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Odessa, the rates for auto insurance went up from 2017-2018, before leveling out in 2019. Insurance rates had been increasing again, reaching a high of $72 in 2021, and finished down at $55 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 a monthly rate, car insurance companies will consider numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Off-street parking availability
- Total amount of drivers in the community
- Road Safety (total number of local car accidents)
- Regional crime rates
- Area laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Odessa?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Odessa.
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Odessa Auto 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, address, credit score, and marital status.
Why is the cost of car insurance in Odessa different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Odessa?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Odessa?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Odessa or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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