Auto Insurance in Odessa (79766)
Texas · Below Average · 32th percentile statewide
Carrier Rates in 79766
6-month premiums from SERFF rate filings. Standard driver profile.
How 79766 Compares
Odessa (79766) is below average for auto insurance in Texas, ranking in the 32th percentile.
The cheapest carrier is USAA at $335/6mo — 48% less than the most expensive (State Farm at $647).
The median premium of $444 is 13% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Odessa (79766)?
The median 6-month premium in Odessa (79766) is $444 across 5 carriers. Premiums range from $335 to $647, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 79766?
USAA offers the lowest rate in 79766 at $335/6mo. That's 48% less than the most expensive option (State Farm at $647/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 79766?
Auto insurance rates in Odessa (79766) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Odessa ranks in the 32th percentile statewide, meaning it's below average compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 79766?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.