Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Odessa, DE
We monitor insurance prices, helping the average driver in Odessa save up to 29.3% on car insurance.
The Cheapest Minimum Coverage in Odessa
The chart below shows the cheapest car insurance company in Odessa for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by State Farm, Travelers, and Dairyland.
| Odessa Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $80 |
| State Farm | $81 |
| Travelers | $81 |
| Dairyland | $96 |
Savings for Every Kind of Odessa Driver
Based on our extensive insurance data, we know the average Odessa driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $448 per year by choosing the right vehicle insurance company. Some Odessa residents are paying out over $1,937 extra every year for auto insurance in Odessa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Odessa, DE Savings / Yr. |
|---|---|
$448 |
|
$758 |
|
$513 |
|
$443 |
|
$2,137 |
|
$456 |
|
$484 |
Odessa Car Insurance vs. Delaware
People living in Odessa pay an average of 4.14% more than the typical driver in the state. The average driver in Odessa can expect to pay about $1,283 per year, or $1,937 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Odessa for most people.
Car Insurance Prices by Odessa Neighborhood
Insurance Prices
Where is insurance cheapest within Odessa?
The map shows insurance prices in and around Odessa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $102 per year within the city boundaries, with insurance premiums ranging from a high of $2,035 to a low of $1,933. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Odessa.Pick the Best Car Insurance Company for You in Odessa
The best car insurance provider for most drivers in Odessa
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $448 over the average Odessa car insurance company.
The best car insurance provider for Odessa drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $758 over the competition.
The best car insurance company for Odessa drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $513 better than other car insurance companies.
The best auto insurance for Odessa drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $443 less each year.
The least expensive car insurance company for new and young drivers in Odessa
In Odessa, State Farm costs young drivers $2,137 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Odessa
State Farm gave the largest car insurance discounts to married couples, averaging $456 saved each year compared to an average Odessa couple's premiums.
The cheapest car insurance in Odessa for drivers with bad credit
The best Odessa car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Odessa, which was better than other insurers.
The cheapest large national provider in Odessa
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Odessa driver can expect to pay about $119 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Odessa, USAA has the best prices for drivers with accidents, young drivers, drivers with bad credit, drivers with speeding tickets, married couples, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Odessa
What Influences the Cost of Car Insurance in Odessa?
On average, car insurance in Odessa is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Odessa is 53 minutes, which is far more than average for a driver in the state.
- Delaware state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Odessa are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Odessa is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Odessa is $107 per month for minimum coverage and $161 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Middletown: Insurance costs 1.86% more
- Townsend: Insurance costs 3.15% more
- Pine Tree Corners: Insurance costs 0.88% more
- Port Penn: Insurance costs the same
- Point Breeze: Insurance costs 1.86% less
- St. Georges: Insurance costs 2.12% more
- Kirkwood: Insurance costs 2.89% more
- Warwick: Insurance costs 6.81% less
- St. Augustine: Insurance costs 5.78% less
- Delaware City: Insurance costs 1.45% less
Cities with Similar Populations
- Rockbridge Baths: Insurance costs 40.53% less
- Lemon: Insurance costs 16.00% less
- Leola: Insurance costs 13.11% less
- Leonardville: Insurance costs 21.79% less
- Lerado: Insurance costs 41.77% less
- Leslie: Insurance costs 15.38% less
- Letohatchee: Insurance costs 19.41% less
- Liberty: Insurance costs 50.23% less
- Adrian: Insurance costs 30.36% less
- Lotus: Insurance costs 1.81% less