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Get Cheap Car Insurance in Odessa, NY
We monitor insurance prices, helping the average driver in Odessa save up to 32.6% 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Odessa Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $100 |
| Safeco Insurance | $108 |
| Geico | $112 |
Savings for Every Kind of Odessa Driver
Based on our extensive insurance data, we know the average Odessa driver will save about 30% 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 $609 per year by choosing the right vehicle insurance company. Some Odessa residents are paying out over $2,044 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, NY Savings / Yr. |
|---|---|
$609 |
|
$389 |
|
$776 |
|
$786 |
|
$1,924 |
|
$644 |
|
$1,026 |
Odessa Car Insurance vs. New York
People living in Odessa pay an average of 15.72% less than the typical driver in the state. The average driver in Odessa can expect to pay about $1,483 per year, or $2,044 for full coverage.
Based on our analysis, Kemper 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 $2,067 to a low of $1,965. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest 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, Kemper is the best option, with annual savings of $609 over the average Odessa car insurance company.
The best car insurance provider for Odessa drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $389 over the competition.
The best car insurance company for Odessa drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $776 better than other car insurance companies.
The best auto insurance for Odessa drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $786 less each year.
The least expensive car insurance company for new and young drivers in Odessa
In Odessa, Progressive costs young drivers $1,924 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Odessa
Progressive gave the largest car insurance discounts to married couples, averaging $644 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
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The cheapest large national provider in Odessa
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Odessa driver can expect to pay about $183 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 bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Odessa
What Influences the Cost of Car Insurance in Odessa?
On average, car insurance in Odessa is actually less expensive than the rest of the state. These low 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 29 minutes, which is a little less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Odessa are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Odessa is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Odessa is $124 per month for minimum coverage and $170 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
- Alpine: Insurance costs 0.24% less
- Montour Falls: Insurance costs 1.52% less
- Smith Valley: Insurance costs 0.73% less
- Wedgewood: Insurance costs 1.27% less
- Cayuta: Insurance costs 1.27% less
- Millport: Insurance costs 2.94% less
- Watkins Glen: Insurance costs 0.39% more
- Cayutaville: Insurance costs the same
- Moreland: Insurance costs 0.49% less
- Burdett: Insurance costs 0.15% less
Cities with Similar Populations
- Fort Montgomery: Insurance costs 12.28% more
- Knoxville: Insurance costs 20.84% less
- Three Springs: Insurance costs 33.22% less
- Waterloo: Insurance costs 26.13% less
- West Warren: Insurance costs 25.93% less
- Green Sea: Insurance costs 18.20% less
- Wood River Junction: Insurance costs 5.19% more
- Glenns Ferry: Insurance costs 47.06% less
- Gay: Insurance costs 12.72% less
- Franconia: Insurance costs 41.83% less