Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
Geico | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
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Insurance Agents in Odessa, TX and Near by
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1.09 miBlanca Nieto414 N Lee Ave, Odessa, TX 79761(432) 614-5935View |
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1.09 miHignojos Insurance Agency115 W 6th St, Odessa, TX 79761(432) 333-6962View |
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1.09 miAlex Trevino Insurance Agency119 W 6th St, Odessa, TX 79761(432) 332-2355View |
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1.09 miGoosehead Insurance - Jason Valenzuela620 N Grant Ave Ste 1205, Odessa, TX 79761(432) 934-0630View |
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1.09 miSteve Leftwich Insurance Agency700 N Grant Ave Ste 710, Odessa, TX 79761(432) 332-6800View |
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1.09 miDavid Jaso404 E 7th St, Odessa, TX 79761(432) 332-4439View |
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1.09 miMilam-Felker Insurance Service401 E 7th St, Odessa, TX 79761(432) 332-0711View |
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1.09 miWaid Insurance Agency123 W 10th St, Odessa, TX 79761(432) 337-8651View |
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1.09 miNewkaiser Company Insurance1100 N Texas Ave, Odessa, TX 79761(432) 332-1000View |
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1.09 miGarza Regional Insurance1301 N Grant Ave, Odessa, TX 79761(432) 333-3500View |
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1.09 miAurora Rodrigues1428 N Lee Ave, Odessa, TX 79761(432) 332-3119View |
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1.09 miHSB Insurance Agency1011 N Dixie Blvd, Odessa, TX 79761(432) 550-0881View |
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1.09 miVenessa Soto810 N Dixie Blvd Ste 101, Odessa, TX 79761(432) 258-8323View |
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1.09 miBarry Smith1050 N Dixie Blvd, Odessa, TX 79761(432) 337-6800View |
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1.09 miWest Texas Insurance Exchange1000 Maple Ave, Odessa, TX 79761(432) 333-4106View |
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1.09 miA-Max Auto Insurance1311 E 8th St, Odessa, TX 79761(423) 334-8000View |
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1.09 miTara Simmons Insurance1801 Andrews Hwy, Odessa, TX 79761(432) 580-7979View |
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1.09 miPermian Agency1800 Andrews Hwy, Odessa, TX 79761(432) 333-1483View |
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1.09 miYolanda Sanchez724 Hillcrest Ave, Odessa, TX 79761(432) 272-4930View |
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1.09 miRobert Cesar Chapa1539 S Grant Ave, Odessa, TX 79761(432) 337-6906View |
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1.09 miTorres Insurance1613 E 8th St Ste B, Odessa, TX 79761(432) 272-1299View |
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1.09 miEric Easley1717 E 8th St, Odessa, TX 79761(432) 580-3388View |
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1.09 miBrian Vickers1813 E 8th St, Odessa, TX 79761(432) 580-4488View |
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1.09 miJoel Sellers2015 E 8th St Ste 1, Odessa, TX 79761(432) 332-5250View |
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1.09 miJim Reeves2143 E 8th St, Odessa, TX 79761(432) 333-2922View |
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1.09 miGoosehead Insurance - Arvey Villa603 N Meadow, Odessa, TX 79761(432) 614-2626View |
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1.09 miSandra Smith835 Tower Dr Ste 2, Odessa, TX 79761(432) 580-4467View |
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1.09 miDiana Devirgilio850 Tower Dr Ste 108, Odessa, TX 79761(432) 272-4800View |
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1.09 miJohn Fabela1500 N Grandview Ave Ste A, Odessa, TX 79761(432) 272-2485View |
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1.09 miRalph Brewster1520 N Grandview Ave, Odessa, TX 79761(432) 332-0055View |
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1.09 miMoxie Insurance Agency1522 N Grandview Ave, Odessa, TX 79761(432) 366-9433View |
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1.09 miLarry Davisson2400 N Grandview Ave, Odessa, TX 79761(432) 362-0164View |
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1.09 miKillebrew Insurance2531 Roper St, Odessa, TX 79761(432) 332-6322View |
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1.09 miBryant & Duncan Insurance Agency2506 N Grandview Ave, Odessa, TX 79761(432) 362-6361View |
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1.09 miFarmers Insurance Group2510 N Grandview Ave Ste A, Odessa, TX 79761(432) 272-0385View |
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1.09 miAnn Smith2510 N Grandview, Odessa, TX 79761(432) 367-3306View |
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1.09 miRobert Jurado2512 N Grandview Ave, Odessa, TX 79761(432) 363-5060View |
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1.09 miMelissa Roberts2651 Jbs Pkwy Ste C4, Odessa, TX 79761(432) 339-0066View |
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5.04 miFiliberto Gonzales600 E 42nd St, Odessa, TX 79762(432) 550-3300View |
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5.04 miA-Max Auto Insurance1123 E 42nd St, Odessa, TX 79762(432) 368-5050View |
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5.04 miJoe Allbright1941 E 37th St, Odessa, TX 79762(432) 550-4500View |
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5.04 miBeth Lee2817 Jbs Pkwy Ste C102, Odessa, TX 79762(432) 366-0000View |
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5.04 miJason Yeley4013 Jbs Pkwy, Odessa, TX 79762(432) 362-7991View |
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5.04 miDan Bertelson2123 E 42nd St, Odessa, TX 79762(432) 552-5888View |
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5.04 miRoy Faulkenberry4526 E University Blvd Ste 2d, Odessa, TX 79762(432) 363-8551View |
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5.04 miSammy Gonzales4555 E University Blvd Ste E9, Odessa, TX 79762(432) 580-6090View |
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5.04 miKris Crow3908 Tanglewood Ln, Odessa, TX 79762(432) 337-0800View |
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5.04 miLisa Hand3916 Tanglewood Ln, Odessa, TX 79762(432) 550-9405View |
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5.04 miR C Paulette2817 John Ben Shepperd Pkwy Bldg E, Odessa, TX 79762(432) 368-7313View |
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5.04 miHigginbotham Insurance Agency4800 E University Blvd Ste B, Odessa, TX 79762(432) 368-7676View |
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5.04 miAndrew Hernandez4401 N Grandview Ave, Odessa, TX 79762(432) 367-4121View |
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5.04 miTroy Chesnut & Associates4820 E University Blvd, Odessa, TX 79762(432) 550-2425View |
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5.04 miLisa Strickland2240 E 52nd St, Odessa, TX 79762(432) 366-8888View |
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5.04 miASA Mutual Insurance Group5000 E University Blvd Ste 8, Odessa, TX 79762(432) 366-0260View |
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5.04 miPaul Talley3801 E 52nd St Ste B, Odessa, TX 79762(432) 366-0814View |
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5.04 miHeather Buske5050 E University Blvd Ste 3, Odessa, TX 79762(432) 366-2900View |
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5.04 miInSource Insurance Group5108 Wayland Dr, Odessa, TX 79762(432) 362-8800View |
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5.04 miMike Podzemny5007 John Ben Shepperd Pkwy, Odessa, TX 79762(432) 367-0070View |
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5.04 miChris Wray6012 Eastridge Rd, Odessa, TX 79762(432) 362-9729View |
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5.04 miDimas Avalos6703 Andrews Hwy, Odessa, TX 79762(432) 653-5665View |
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6.54 miBeeson Insurance9000 W University Blvd, Odessa, TX 79764(432) 803-5000View |
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6.54 miFive Star Insurance1127 W University Blvd, Odessa, TX 79764(432) 653-4812View |
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7 miNoe Garcia2260 Linda Ave Ste 102, Odessa, TX 79763(432) 332-2401View |
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7 miStatewide Insurance1911 County Hwy W, Odessa, TX 79763(432) 334-9998View |
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7 miMaria E Valeriano1501 W 2nd St, Odessa, TX 79763(432) 332-5776View |
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7 miMcKenzie Agency1315 N County Rd W, Odessa, TX 79763(432) 333-3532View |
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7 miAutopartners Insurance Agency1645 N County Rd W, Odessa, TX 79763(432) 332-8797View |
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7 miIntegrity Insurance & Associates1655 N County Rd W, Odessa, TX 79763(432) 653-0500View |
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7 miPatrick Willis1631 N County Rd W, Odessa, TX 79763(432) 580-6100View |
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7 miDan Bertelson1806 N County Rd W, Odessa, TX 79763(432) 333-4663View |
Learn More About Car Insurance in Odessa, TX
Helpful Info on Texas Car Insurance
Here is a list of useful information regarding Texas car insurance and driving in Texas roads.
Total vehicles registered | 24,527,939 |
Total uninsured motorists | 14.1% |
Estimated economic loss of all vehicle crashes | $38.4 billion |
Sources: uninsured motorists, 2015, crash report, 2018
Different car insurance coverage options available in Texas
There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.
- Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
- Collision covers for the expenses on your car caused by accident.
- Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
- Medical payments cover your's and your passenger's medical bills
- Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
- Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
- Towing and labor covers for the pay for towing your car and labor cost.
- Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.