Odessa Auto Insurance Rates, Quotes, Agents & Reviews in TX

Odessa, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Odessa, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Lower the Cost of Auto Insurance in Odessa, TX

The average cost of auto insurance in Odessa, TX, is $1,287. This is lower than in most neighboring places such as Andrews South, Gardendale, Ector County. West-Odessa Goldsmith. Residents of Odessa should compare multiple auto insurance quotes and reviews before deciding what best suits their needs. Here are some ways to increase savings in Odessa.



Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Odessa, TX, post-DUI, increases to $2,004. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Odessa. Other violations that can have a long-term impact on auto insurance in Odessa include driving with an expired license and running a red light. The former leads to an increase of $867, while the latter leads to an increase of $300.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Odessa, TX. The cost of auto insurance for a driver whose credit score is “exceptional” is as low as $1,204. This can go up to $2,099 if this score is “poor.”

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Providing your vehicle with a passive disabling device will fetch the most amount of savings.

Multi-Car Insurance:

Car owners in Odessa, TX, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Odessa, TX, is $2,214, while it would cost $4,427 for four vehicles. The savings on multi-car insurance in Odessa also depends on the make and model of the car.


Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Odessa on a low deductible ($500) is $1,752. It decreases to $1,480 when the deductible is higher ($1,000).

Factors that can influence the cost of car insurance in Odessa, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Odessa, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Odessa, TX with that of other cities in and around Odessa.

Odessa Andrews South Midland Gardendale Ector County West Odessa-Goldsmith
Average Insurance Rates $1,287 $1,874 $1,233 $2,079 $1,905 $1,859

Odessa, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Odessa, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Odessa $1,752 $1,480
Gardendale $2,141 $1,809
West Odessa $1,916 $1,618
Ector County $2,796 $2,362
Midland $1,238 $1,046
Goldsmith $1,373 $1,160
West Odessa-Goldsmith $1,915 $1,617
Andrews South $1,086 $917

Odessa, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Odessa, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,176
20 Years $1,654
30 Years $1,274
40 Years $1,225
50 Years $1,135
60 Years $1,151
70 Years $1,339

Odessa, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Odessa, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,214 $360
3 Vehicles $3,320 $541
4 Vehicles $4,427 $721

Savings on 2 Vehicles bundle:$360

Savings on 3 Vehicles bundle:$541

Savings on 4 Vehicles bundle:$721

Odessa, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Odessa, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Odessa $1,287 $2,004
Gardendale $2,079 $3,237
West Odessa $1,860 $2,896
Ector County $1,905 $2,966
Midland $1,233 $1,919
Goldsmith $1,857 $2,891
West Odessa-Goldsmith $1,859 $2,894
Andrews South $1,874 $2,917

Odessa, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,104
Excellent (740-799) $1,260
Good (670-739) $1,341
Average (580-669) $1,750
Poor (300-579) $2,099

Odessa, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Andrew Hernandez State Farm 4401 N Grandview Ave, Odessa, 79762-5311 432-367-4121
David Jaso Farmers 404 E 7th St, ODESSA, 79761 (432) 332-4439
Brian Vickers Farmers 1813 E 8th St, Odessa, 79761 (432) 580-4488
Bryant & Duncan Insurance Agency, Inc. None 2506 N Grandview Ave, Odessa, 79761 None
The Insurance Man & Associates Travelers 1912 N BIG SPRING, MIDLAND, 79705 432-683-4619
Troy Chesnut And Associates, Inc. None 4820 E University Blvd, Odessa, 79762 (432) 550-2425
Milam Felker Insurance Services, Inc. Travelers 401 E 7Th St, Odessa, 79761 None
West Texas Insurance Exchange Inc Travelers 1000 Maple Ave, Odessa, 79761 None
Mike Podzemny State Farm 5007 Jbs Pkwy, Odessa, 79762-8123 432-367-0070

Odessa, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$57 $1,344
Driver's Failure In Showing Documents +$125 $1,412
Driving With An Expired Registration +$133 $1,420
Driving At A Considerably Slow Pace +$279 $1,566
Using A Cellphone While Driving +$295 $1,582
Running A Red Light +$300 $1,587
Speeding +$315 $1,602
Driving A Vehicle Without The Required Permission +$400 $1,687
Driving With An Expired/Suspended License +$867 $2,154

Odessa, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,236
Active Disabling Device $1,236
Tracking Device $1,210
Passive Disabling Device $1,197

Latest Auto Insurance Reviews in Odessa, TX | Back to Top

My experience with USAA, as stated above, has been spectacular. I always feel cared for and respected when I speak to them and feel no anxiety about dealing with insurance.
State Farm
I would and I actually have. This place is easy going the staff is friendly and knowledgeable! I've even added a coworker as a driver on my insurance. It helped lower my rate.
I have used Progressive Insurance policies for claims and adjustments multiple times since I've had them and they always seem to do a really good job
State Farm
They cover our very, very few claims without problems or questions. However had you asked the same question when our current adult sons were teenagers, not sure we would rank State Farm so high.
Compared to other companies we have a low deductible and premium for how much we pay each month. We were able to chose what we wanted and what seemed fair to us as the customers.
American National Property And Casualty Company
Our deductible is comparable to other companies that offer the same services. We don't have the lowest deductible but it isn't very high either.
Companies change their plans all the time. Also depends on your driving history so i cant say one is better than other.
Companies change their plans all the time. Also depends on your driving history so i cant say one is better than other.
The interaction with my insurance company is perfect. My one claim they always asked if i was ok, anyone else was ok. My claim was processed quickly and with no issues.
National General
So far I do not have any kind of complaints I like it a lot and until now I would not exchange it for any other company
USAA works exclusively with military and veterans so understands the way life can be. Their hours always reflect this and I have never had an issue getting hold of an agent nor have I had a negative customer service experience
Liberty Mutual
My Insurance company has great customer support, they are very fast and accurate, If anything I do not like it would have to be waiting on the phone after being put on hold.
Farm Bureau
When we checked around the premium seemed to be better than other companies we checked with so I am pretty satisfied with the premiums compared to other companies
I can always get in touch with someone at the company if needed, and they usually can answer my questions. However, sometimes there is an excessively long wait on phone calls; they also take some time to respond to e-mails. All considered, I am mostly pretty satisfied with the interaction with customer support.
I like they are well known and there is brand recognition. Their rates are good the first year and suck after that.
State Farm
The company works hard to make sure that I am given what I need. I like that they have good prices and they also do not try to trick people into getting more than they need.