Compare Odem, TX Car Insurance Rates (2021)

Car insurance in Odem, TX averages $324 a month. Odem, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Odem car insurance rates, compare quotes from the top car insurance companies in Odem, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Odem for teen drivers is USAA
  • Average car insurance rates in Odem, TX are $3,884/year
  • The cheapest car insurance company in Odem is USAA

If you need to buy Odem, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Odem, TX is right here.

You’ll find Odem car insurance rates, the cheapest Odem, TX car insurance companies, and information on Texas car insurance laws. You can also compare Odem, Texas car insurance rates to Dallas car insurance rates, Fort Worth car insurance rates, and Laredo car insurance rates.

Ready to find affordable Odem, TX car insurance today? Enter your ZIP code for fast, free Odem car insurance quotes.

Cheapest Odem, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Odem, TX car insurance rates? Every Odem, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Odem, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,480 $3,506 $3,435 $3,435 $9,282 $11,191 $4,303 $4,477
American Family $3,171 $3,558 $3,018 $3,486 $8,959 $11,710 $4,669 $5,335
GEICO $2,245 $2,442 $2,224 $2,563 $4,840 $4,965 $2,409 $2,352
Nationwide $2,798 $2,844 $2,471 $2,616 $7,951 $10,217 $3,291 $3,563
Progressive $2,123 $1,999 $1,896 $1,931 $8,825 $9,821 $2,486 $2,496
State Farm $1,760 $1,760 $1,568 $1,568 $4,213 $5,364 $1,914 $1,968
USAA $1,514 $1,524 $1,455 $1,449 $4,255 $4,627 $2,023 $2,167

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Minimum Car Insurance in Odem, TX

Every driver must carry the minimum car insurance in Odem, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Odem, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Odem, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Odem, TX. Compare credit history car insurance rates in Odem from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Odem, Texas

Insurance Company Poor Fair Good
Allstate $6,843 $5,021 $4,301
American Family $7,470 $4,808 $4,186
GEICO $4,628 $2,628 $1,759
Nationwide $5,373 $4,301 $3,732
Progressive $4,440 $3,841 $3,560
State Farm $3,557 $2,217 $1,768
USAA $3,460 $2,028 $1,642

Cheapest Odem, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Odem, TX to rates for a clean record with top companies.

Annual Odem, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,166 $6,466 $6,757 $4,166
American Family $4,970 $6,417 $5,595 $4,970
GEICO $2,553 $3,373 $2,804 $3,291
Nationwide $3,872 $3,872 $5,753 $4,378
Progressive $3,446 $4,457 $4,018 $3,867
State Farm $2,233 $2,562 $3,029 $2,233
USAA $1,770 $2,622 $3,084 $2,031

Cheapest Odem, TX Car Insurance for Teen Drivers

Teen car insurance in Odem, TX can be expensive. Take a look at rates from the top car insurance companies in Odem for teenagers.

Annual Car Insurance Rates for Teen Drivers in Odem, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,282 $11,191
American Family $8,959 $11,710
GEICO $4,840 $4,965
Nationwide $7,951 $10,217
Progressive $8,825 $9,821
State Farm $4,213 $5,364
USAA $4,255 $4,627

Cheapest Odem, TX Car Insurance for Seniors

Take a look at Odem, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Odem, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,435
American Family $3,018 $3,486
GEICO $2,224 $2,563
Nationwide $2,471 $2,616
Progressive $1,896 $1,931
State Farm $1,568 $1,568
USAA $1,455 $1,449

Cheapest Odem, TX Car Insurance Rates After a DUI

A DUI in Odem, TX increases car insurance rates. Compare Odem, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Odem, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,757
American Family $5,595
GEICO $2,804
Nationwide $5,753
Progressive $4,018
State Farm $3,029
USAA $3,084

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Cheapest Odem, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Odem, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Odem, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,258 $5,519
American Family $5,488 $5,488
GEICO $2,948 $3,062
Nationwide $4,469 $4,469
Progressive $3,947 $3,947
State Farm $2,514 $2,514
USAA $2,347 $2,407

The Best Cheap Car Insurance Companies in Odem, TX

Take a look at a side-by-side comparison of the top car insurance companies in Odem, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Odem, Texas

Insurance Company Average Annual Rates
Allstate $5,389
American Family $5,488
GEICO $3,005
Nationwide $4,469
Progressive $3,947
State Farm $2,514
USAA $2,377

Category Winners: Cheapest Car Insurance in Odem, Texas

Find the cheapest car insurance companies in Odem, TX for each category right here.

Best Annual Car Insurance Rates by Company in Odem, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

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Cheapest Odem, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Odem car insurance rates. Find the cheapest Odem, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Odem, Texas

Insurance Company Low Medium High
Allstate $5,265 $5,342 $5,558
American Family $5,073 $5,251 $6,140
GEICO $2,786 $2,941 $3,288
Nationwide $4,767 $4,275 $4,365
Progressive $3,710 $3,923 $4,208
State Farm $2,367 $2,501 $2,675
USAA $2,278 $2,362 $2,490

What affects car insurance rates in Odem, Texas?

What factors can have an impact on Odem, TX car insurance? There are several reasons why Odem car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Odem, Texas.

Commute Time in Odem

The more time you spend in your car the higher the risk of an accident. The average commute length in Odem, TX is 23.3 minutes according to City-Data.

Compare Car Insurance Quotes in Odem, TX

Ready to find affordable Odem, Texas car insurance today? Enter your ZIP code for fast, free Odem, TX car insurance quotes.

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