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Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Cheapest recent rates near Odessa, Texas
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $60/mo for full coverage in Odessa and other Texas cities.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on May 13, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 13, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Odessa, Texas within the last 10 days. Last updated on May 13, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 13, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average cost of car insurance in Odessa, Texas, is $188 a month — which is more than the national average of $159.
Many factors affect car insurance premiums, such as weather, traffic patterns, and crime rates. Odessa experiences a relatively large number of car thefts and accidents compared to its population and size, which can contribute to its more expensive car insurance rates.[1][2]
State Farm, GEICO, and Hugo have the cheapest car insurance rates in Odessa.
The average cost of car insurance in Odessa is on par with the Texas average rate of $185 a month.
Auto insurers in Texas can use your credit history to determine car insurance premiums.[3]
3 of the cheapest car insurance companies in Odessa
Before diving into which car insurance companies offer the cheapest rates in Odessa, it’s important to note that the lowest price may not correlate with the best policy for your needs. You should choose a company that’s reliable, has the features you need, and can offer you the right amount of coverage for the best price.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
State Farm
4.6
$64
$38
Discounts
GEICO
4.4
$69
$42
Bundling
Mile Auto
3.7
$110
$54
Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo
Odessa residents have to watch their budgets carefully, thanks to the high cost of living in this Texas city. To help keep auto insurance spending low, drivers will appreciate that State Farm offers some of the lowest average premiums in the city, as well as various discounts.
You can get a discount for getting good grades, taking defensive driving lessons, installing safety features in your car, and more to help you save on your auto insurance premiums. You can also save by bundling your auto insurance policy with one of State Farm’s many insurance products, like renters, home, and life insurance.
Pros
No. 2 in J.D. Power’s 2023 U.S. Auto Insurance Study in Texas
They lure you in with a low cost, but every renewal sees an increase in cost. Their 'drive safe' app is a joke. I took a defensive driving course for a $75 discount, but it disappeared as soon as I finished due to a policy increase. I'm a 70-year-old with no tickets or charged accidents in over 10 years. When I questioned them, they blamed it on Georgia.
Diane - May 12, 2024
Verified
All Customers Treated the Same
Consider looking for another agency. All they seem to want is your money. If you have one accident in 25 years, they will raise your rates sky-high, even if you have no tickets and your accident only caused minor damage to a parked car. It's outrageous.
Majid - May 12, 2024
Verified
Disappointed with State Farm
State Farm seems to be lacking in customer care, which is quite disappointing. I'm currently looking for another insurance company that prioritizes their customers. Their customer service is not up to par - they don't return phone calls as promised. My accident occurred last year and it's still unresolved. I'm not satisfied with this company and I'm actively seeking alternatives. Once I find a better company, I'll be more than happy to part ways with State Farm. Plain and simple. Thank you for reading my report. Majid Dawood.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$72/mo
Amid rising prices, drivers have a lot of expenses, and it makes sense to try to cut costs where possible. Whether you rent or own your home, bundling renters or homeowners insurance with car insurance from one company can be convenient and financially beneficial. With GEICO, you can bundle your auto insurance policy with a condo, renters, homeowners, or mobile home insurance policy.
Your job can also help you save with GEICO. Military members, federal employees, and workers at more than 500 different employers can all qualify for extra savings on their car insurance premiums.
We've been with Geico for 6 years and before that, 10 years. Every once in a while, we shop around when they introduce a rate hike. Usually, after 6 months with a different carrier, they lower their rates. This year, their hike was about $900 for 6 months. We've got the same coverage we had with Geico from Progressive for $1000 less, so we've switched.
Jordan - May 12, 2024
Verified
Poor
Find an insurance company with better rates.
Carolyn - May 12, 2024
Verified
Geico is a great company. They have no problem paying claims. They provide a rental car where you can have your car repaired. They have nice, friendly agents. I'm only comparing rates because I can't afford it right now.
Geico is a great company. They have no problem paying claims. They provide a rental car where you can have your car repaired. They have nice, friendly agents. I'm only comparing rates because I can't afford it right now.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$108/mo
No commute? Working from home can save you a lot on gas and vehicle maintenance. And with the right car insurance company, working from home can also help you save on car insurance. Mile Auto offers pay-per-mile policies in which you spend less when you don’t drive that often. All you have to do to qualify for savings is take a picture of your car’s odometer once a month.
Pros
Doesn’t require a telematics device
Offers online quotes
Cons
Bad for long commutes
No J.D. Power rankings available
How to get the cheapest car insurance in Odessa
If you’re looking to save on your car insurance policy in Odessa, here are some money-saving tips that can help you find cheap car insurance:
Compare quotes. To find the best policy that suits your needs and budget, start by comparing quotes from multiple insurance companies. The cheapest auto insurance company for you offers the lowest rate for the coverage you want.
Bundle multiple policies. If you already have another form of insurance — such as homeowners insurance, renters insurance, or life insurance — from an insurer, check if that insurance company also offers auto insurance. Many companies provide bundling discounts for customers with multiple policies.
Choose the right car. Choose a less expensive car, as they’re cheaper to repair and replace, resulting in lower insurance claims. This choice can lead to significant savings on your car insurance premium.
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Cheapest liability-only car insurance in Odessa: State Farm
Liability-only car insurance provides coverage for damages you cause to others in an accident. It covers their medical expenses and property damage. It doesn’t cover your own car. Drivers often choose this type of coverage when they drive older or less valuable vehicles.
Liability-only coverage, also called minimum coverage, averages $105 per month in Odessa, according to Insurify data. The following table outlines the cheapest liability-only car insurance policies in Odessa.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
40
GEICO
43
Hugo
54
Mile Auto
54
Allstate
55
USAA
71
Safeco
82
Nationwide
93
Mercury
96
Midvale Home & Auto
99
Progressive
99
Dairyland
106
Clearcover
108
Chubb
120
National General
124
Liberty Mutual
128
Elephant
130
Commonwealth Casualty
134
Direct Auto
136
21st Century
138
The General
150
GAINSCO
152
Bristol West
167
State Auto
179
AssuranceAmerica
186
Infinity
193
Foremost
221
Hallmark
233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Odessa: State Farm
The main difference between liability-only and full-coverage car insurance is what they protect. Liability insurance covers damages you cause to others, while full-coverage also includes protection for your own vehicle.
Full coverage is beneficial for drivers with newer or high-value cars, as it provides comprehensive protection in case of accident, theft, or natural disaster. In Odessa, the average cost of full-coverage car insurance is $271 a month.
The next table gives a look at the lowest average rates for full-coverage policies in Odessa.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
65
GEICO
72
Allstate
92
Mile Auto
108
USAA
116
Clearcover
143
Hugo
147
Mercury
152
Travelers
163
Nationwide
167
Progressive
176
Midvale Home & Auto
177
Safeco
177
Chubb
198
Elephant
212
21st Century
229
AssuranceAmerica
241
Liberty Mutual
262
Direct Auto
268
Dairyland
269
National General
273
Infinity
295
The General
303
Bristol West
315
State Auto
328
GAINSCO
330
Commonwealth Casualty
343
Foremost
443
Hallmark
462
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Texas
In most states, including Texas, liability car insurance coverage is mandatory. Texas, being an at-fault state, requires Odessa drivers to have a certain level of liability insurance to cover damage and medical expenses for other parties in accidents they cause.
These are the minimum-coverage requirements in Texas:[4]
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$25,000 per accident
While you must maintain the minimum coverage levels in Texas, you have the option to enhance your auto insurance policy with the following additional coverages:
Collision coverage
Collision coverage takes care of vehicle damages if you hit stationary objects or other vehicles.
Comprehensive coverage
Comprehensive coverage deals with damages stemming from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.
Glass coverage
Don’t overlook the significance of glass protection, which includes windshield and glass damage, and potentially provides no-deductible coverage for side windows, rear windows, and glass sunroofs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage steps in when an uninsured or inadequately insured driver is responsible for an accident, covering your damages and injuries.
Gap coverage
If you financed or leased your vehicle, gap insurance covers the difference between your auto loan balance and the insurance settlement in case of a total loss.
Cheapest car insurance for drivers with an incident
Finding the most affordable car insurance when you have incidents on your driving record — such as speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations — is a top priority. Incidents raise insurance rates due to the increased risk they signal to car insurance companies. Insurance companies view drivers with incidents as more likely to file claims, which results in higher premiums.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets can significantly affect your car insurance rates due to the increased risk they signal to insurance companies. When you receive a speeding ticket, it suggests a tendency to engage in risky behavior behind the wheel, which makes you more likely to be involved in accidents. Insurance companies adjust your rates to compensate for this higher risk, potentially leading to higher premiums. Multiple tickets or severe violations may result in even steeper rate increases.
The overall average rate for drivers with a speeding ticket in the city is $268 a month. If you have speeding tickets on your record, you may want to research the following Odessa insurance companies.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
40
51
GEICO
43
56
Hugo
54
74
Mile Auto
54
75
Allstate
55
71
USAA
71
92
Safeco
82
107
Nationwide
93
121
Mercury
96
133
Midvale Home & Auto
99
132
Progressive
99
128
Dairyland
106
138
Clearcover
108
141
Chubb
120
157
National General
124
177
Liberty Mutual
128
182
Elephant
130
185
Commonwealth Casualty
134
191
Direct Auto
136
178
21st Century
138
183
The General
150
196
GAINSCO
152
217
Bristol West
167
214
State Auto
179
251
AssuranceAmerica
186
246
Infinity
193
259
Foremost
221
315
Hallmark
233
302
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents can significantly affect your car insurance rates because they indicate a higher risk of future claims. When you’re responsible for an accident, auto insurance companies see you as a more accident-prone driver.
To cover the potential cost of your future claims, insurers may increase your premiums. With an at-fault accident, car insurance costs an overall average of $285 a month in Odessa.
This table outlines the insurance companies that offer the lowest rates for drivers with accidents on their records in Odessa.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
40
55
GEICO
43
59
Hugo
54
72
Mile Auto
54
81
Allstate
55
75
USAA
71
97
Safeco
82
109
Nationwide
93
129
Mercury
96
140
Midvale Home & Auto
99
143
Progressive
99
138
Dairyland
106
145
Clearcover
108
157
Chubb
120
166
National General
124
169
Liberty Mutual
128
191
Elephant
130
176
Commonwealth Casualty
134
182
Direct Auto
136
191
21st Century
138
193
The General
150
210
GAINSCO
152
203
Bristol West
167
225
State Auto
179
270
AssuranceAmerica
186
257
Infinity
193
261
Foremost
221
330
Hallmark
233
310
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Alcohol and drugs were a factor in more than 22,000 car crashes in Texas in 2022.[5] DUIs significantly affect your car insurance rates because they signify a high level of risk. When you have a DUI conviction, insurance companies perceive you as a driver with impaired judgment and consider you more likely to be involved in accidents.
To cover the potential costs of these accidents, insurance companies increase your premiums substantially. Additionally, some insurers may even choose not to renew your policy.
Car insurance costs are an overall average of $322 a month for drivers in Odessa with a DUI. Review the following table to see which auto insurance companies tend to offer the lowest rates to drivers with DUIs.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
40
68
GEICO
43
73
Hugo
54
91
Mile Auto
54
83
Allstate
55
93
USAA
71
120
Safeco
82
139
Nationwide
93
158
Mercury
96
148
Midvale Home & Auto
99
168
Progressive
99
168
Dairyland
106
180
Clearcover
108
183
Chubb
120
203
National General
124
210
Liberty Mutual
128
217
Elephant
130
220
Commonwealth Casualty
134
227
Direct Auto
136
230
21st Century
138
234
The General
150
254
GAINSCO
152
258
Bristol West
167
283
State Auto
179
303
AssuranceAmerica
186
315
Infinity
193
327
Foremost
221
374
Hallmark
233
395
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates tend to decrease around age 35 as you gain experience and maintain a good driving record. However, rates start to increase around age 75 due to factors like reduced reaction times and increased vulnerability to accidents.[6] Insurance companies view older drivers as a slightly higher risk, resulting in an uptick in premiums.
On average, senior drivers in Odessa pay $134 a month for car insurance. This next table can help senior drivers find the cheapest car insurance in Odessa.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
47
29
GEICO
53
32
Allstate
69
41
Mile Auto
76
38
USAA
86
52
Hugo
97
35
Clearcover
106
80
Mercury
106
67
Nationwide
115
64
Progressive
117
66
Midvale Home & Auto
125
70
Safeco
132
61
Chubb
134
81
Elephant
154
95
21st Century
158
95
AssuranceAmerica
169
131
Direct Auto
190
96
Liberty Mutual
191
93
Dairyland
200
79
National General
204
93
Infinity
205
134
The General
231
114
Bristol West
234
124
State Auto
235
128
GAINSCO
249
114
Commonwealth Casualty
251
98
Foremost
320
160
Hallmark
325
164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers often face considerably higher car insurance rates than adults due to their limited driving experience and the higher risk associated with young drivers. Inexperienced teens are more prone to accidents, leading insurance companies to charge more for premiums. On average, teens and young drivers pay $322 a month for car insurance in Odessa.
However, teenagers can still get affordable car insurance. One effective approach is staying on a parent’s insurance policy, benefitting from their parent’s established driving history. Opting for a safe, reliable car with advanced safety features can also help lower premiums. Additionally, maintaining good grades can lead to a good student discount, reducing insurance costs for responsible students.
These auto insurance companies offer the lowest average rates for teen drivers in Odessa.
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
107
66
GEICO
110
66
Allstate
156
94
USAA
187
115
Mile Auto
204
102
Hugo
250
92
Mercury
270
171
Clearcover
272
205
Nationwide
277
154
Midvale Home & Auto
301
168
Progressive
311
175
Elephant
340
209
Chubb
355
215
Safeco
365
169
21st Century
371
223
AssuranceAmerica
436
337
Dairyland
439
173
Liberty Mutual
476
233
Direct Auto
477
242
The General
477
236
National General
494
224
Bristol West
522
277
Infinity
527
345
State Auto
565
308
GAINSCO
578
266
Commonwealth Casualty
593
232
Foremost
763
381
Hallmark
802
404
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Odessa car insurance quotes by credit tier
In the state of Texas, car insurance companies are allowed to take your credit history into account when determining rates.[3] The higher your credit score is, the less you tend to pay for car insurance. Drivers with good and excellent credit scores usually pay less for car insurance than drivers with poor credit scores.
In Odessa, this is how average car insurance rates vary based on credit score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Odessa?
The nationwide average cost for a car insurance policy is $214 a month for full coverage and $104 for a liability-only policy. Unfortunately, you should plan to spend a bit more than that if you live in Odessa.
Drivers in Odessa can expect to spend an average of $271 a month for full coverage and $105 for liability-only coverage. The exact ZIP code you live in causes variations in how much you spend on car insurance thanks to factors like weather, crime rates, and traffic patterns.
More cities in Texas
Here’s how other Texas cities’ average rates compare to Odessa’s car insurance rates:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The average cost of car insurance in Odessa is $271 a month for full coverage and $105 for liability only.
Which company has the cheapest car insurance in Odessa?
State Farm offers the cheapest rates for Odessa drivers, with minimum-coverage policies starting at $40 per month. GEICO and Hugo are the city's second- and third-cheapest insurers, with liability-only rates as low as $43 and $54, respectively.
What are the best car insurance companies in Odessa?
The best car insurance companies in Odessa include State Farm and GEICO. These insurers have solid Insurify Quality (IQ) Scores, high J.D. Power rankings, and strong AM Best ratings. This is just a starting point for your own car insurance research, however. You should always compare quotes and research company reputations to find the best insurer for your needs.
How much is car insurance in Texas per month?
Car insurance in Texas costs an average of $119 a month for liability only and $251 a month for full coverage.
What’s the minimum car insurance in Texas?
Texas requires 30/60/25 liability insurance limits. This translates to $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 per accident for property damage liability coverage.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.