Odessa Insurance Rates:

Odessa, TX home insurance is approximately $863 to $1,170, about $71-$97/month. Our detailed research indicates shoppers can save as much as $406 by comparing multiple quotes

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Odessa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $860/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1840 sqft Vacation Property Constructed In 1978 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $310/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2770 sqft Vacation Property Constructed In 1996 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Female who is Retired and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $250/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

5 Beds, 5 Baths 1640 sqft Primary Residence Constructed In 1998 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1260/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1690 sqft Vacation Property Constructed In 1995 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $270/8 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1230 sqft Rental Property Constructed In 1980 with Hardwood Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $430/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1520 sqft Rental Property Constructed In 1977 with Wood Flooring, Composition Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Odessa, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79761 $85,200 $1,020
79763 $72,300 $1,010
79766 $67,000 $1,010
79764 $64,300 $1,010
79765 $208,000 $1,100
79762 $115,800 $1,040

Odessa Rates & Quotes Analysis:

Odessa Area Estimated House Insurance
Hwy 191 E, Eastover Dr, S Lark Ave, E 25th St, Midway Ave, Schell St, Robertson Ave, Ridgecrest Ave, Lake Ln, Santa Rosa Ave$1,021
Kirkwood Dr, S Cunningham Ave, Magnolia Blvd, W 46th St, W Murphy St, Corona Cir, W 49th St, E 24th St, Magill St, W FM 3503$1,006
Fall Ave, S Mildred Ave, Judy Ave, Rosewood Ave, E Murphy St, Terry Dr, Emerald Gardens Dr, Gregory St, Ventura Ave, Glenhaven Dr$1,090
Parkway Blvd, Byron Ave, E 18th St, N Alleghaney Ave, Salinas Ave, Boatwright St, Sapphire St, Nelda St, N Belmont Ave, E Tammy Dr$1,035
N Chinaberry Ave, E Molar St, Pecos St, Chinaberry Ct, Sandalwood Ln, S Kelley Ave, Brookover Cir, Bonham Ave, Robbe Rd, E Ivory St$1,017
Tye Ave, Vine Ave, E 29th St, Dove Dr, S Jbs Pkwy, E 51st St, Reagan Ave, Alabama St, E 31st St, Yale Ave$1,002
Coral Dr, E 35th St, Bankhead Ave, Angus Rd, Jp Teal Dr, Via Entrada, Cordova St, N Lauderdale Ave, Rosemary St, Keystone Dr$1,037
E 37th St, Crestview Dr, Gary Ter, Burgess St, Melody Ln, Pica Ave, E 52nd St, W Interstate 20 State Rte, Santa Rosa Ave, Kentucky Ave$1,001
Richwood Rd, Terrace Cir, Marfa Ln, Cherrywood Cir, Madera Ave, Sweetbriar Cir, N Waldrop Ave, Oregon St, S Jackson Ave, E 7th St$1,033
W 31st St, Newcomb Dr, Cabrillo Dr, E 17th St, Tobosa, N Alleghaney Ave, E Odessa St, Roosevelt Ave, Lancewood Ln, Sandhills Dr$1,046

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,729 Homes (17% of total homes ) built between 1970 to 1979 in Odessa are paying home insurance between $1,649-$1,664. Places close to Odessa, TX such as Midland, Midland County, Midland South are more expensive by $45, $43, $15 respectively while West Odessa and Goldsmith are cheaper by $31 and $39 respectively for similar homes.
  • Bedrooms: 20,258 3 bedrooms homes (46% of total homes ) in Odessa are paying about $794 in contrast with Midland (+$22), Midland County (+$20), Midland South (+$7), West Odessa (-$15) and Ector County (-$3).
  • Auto Insurance Bundling: 11,248 Households (43% of all households) in Odessa have 2 vehicles available and when it is bundled with home insurance you can save $203. Discounts for similar bundling in close by locations such as Gardendale, West Odessa, Ector County come to $203, $199, $202 respectively.
  • Senior Discounts: 11,569 seniors (more than 55 years) occupied housing units (44% of total) in Odessa get discounts between $152 to $154 and varies from Gardendale ($152), West Odessa ($149), Ector County ($151).
  • New Homes discounts: New homes such as the 19,715 homes built between 2000 to 2009 in Odessa can save $203 and differs from Gardendale ($203), West Odessa ($199), Ector County ($202).

Odessa Homeowners insurance Facts

  • Odessa, TX has 26,124 owner occupied houses which is 63.6% of all units whereas Gardendale, West Odessa and Ector County have 87.08%, 80.3% and 66.26% respectively.
  • Odessa, TX homeowners yearly insurance price at $1,017 is 1.09% of the typical house value of $93,700 which is in contrast with 1.1% in Gardendale, 1.61% at West Odessa & 1.15% in Ector County.
  • Homeowners in Odessa, TX pay 5.81% of their income ($15,000 to $19,999) in insurance whereas homeowners in Gardendale, West Odessa and Ector County pay 5.8%, 5.7% and 5.79% respectively.
  • Odessa, TX’s insurance is 7.6% of monthly housing costs of $1,117/month, for owners with a mortgage compared to 7.1% in Gardendale, 7.96% at West Odessa & 7.63% in Ector County. But, for households without a mortgage, insurance is 21.2% of costs ($399 in Odessa, TX) in contrast with 21.41% in Gardendale, 23.63% at West Odessa & 21.87% in Ector County.

Odessa, TX Home Values & Insurance rates

For example, insurance for 1,756 Homes (6.0% of total homes ) valued between $80,000 to $89,999 in Odessa, TX is about $915. Rates in nearby areas in such as Midland, Midland County, Midland South are cheaper by $309, $290, $125 respectively while West Odessa and Ector County are costlier by $442 and $57 respectively for similar homes.

Odessa, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,514 21.0% $264
$50,000 to $59,999 1,636 6.0% $569
$60,000 to $69,999 1,524 5.0% $701
$70,000 to $79,999 1,868 7.0% $813
$80,000 to $89,999 1,756 6.0% $915
$90,000 to $99,999 2,070 8.0% $1027
$100,000 to $124,999 3,384 13.0% $1189
$125,000 to $149,999 1,872 7.0% $1484
$150,000 to $174,999 2,143 8.0% $1759
$175,000 to $199,999 959 3.0% $2034
$200,000 to $249,999 1,412 5.0% $2440
$250,000 to $299,999 861 3.0% $2989
$300,000 to $399,999 642 2.0% $3793

Renters Insurance in Odessa

  • Average Renters Insurance in Odessa :  $225($18/month)

  • Median Gross Rent in Odessa :  $745

  • Odessa Renters Insurance to Median Rent Ratio:  2.42%

  • Average household size of renter-occupied unit :  2.37

Odessa Renters Insurance as a Percentage of Rent

Odessa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 206 1.0% $356
$200 to $299 409 3.0% $806
$300 to $499 1,373 10.0% $1256
$500 to $749 4,910 36.0% $1931
$750 to $999 3,508 25.0% $2681
$1,000 to $1,499 2,893 21.0% $3806
$1,500 or more 309 2.0% $5456

Protective device discount in Odessa Up to :  $33

Claims-free discount in Odessa Up to :  $45