Odessa has 115,322 residents in 46,660 households. We list 26 agencies for life insurance in Odessa. Here is what the local numbers say about the cover people here need.

Odessa at a glance

26life insurance agencies listed
40.2%of households rentRenters insurance
$223,100median home valueHome insurance
1980median year homes were builtRebuild cost calculator
7%of households have no carAuto insurance
3.4%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Ector County

FEMA rates the overall natural hazard risk in Ector County, where most Odessa agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Odessa
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Odessa
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Odessa

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Odessa How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Odessa agencies work with

Of the 26 Odessa agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GEICO9 agencies
Foremost8 agencies
Home State8 agencies
Progressive8 agencies
Blue Cross Blue Shield7 agencies
Liberty Mutual7 agencies
Liberty Mutual (Safeco)7 agencies
Aetna6 agencies
National General6 agencies
Nationwide6 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Odessa agencies are

Odessa agencies we list sit in 7 ZIP codes, mostly in Ector County.

797617 agencies
797627 agencies
797606 agencies
797632 agencies
797652 agencies
797641 agency
797681 agency

Questions

Life insurance in Odessa

All insurance agencies in Odessa · Life insurance across Texas

Where can I find life insurance in Odessa?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Odessa agencies work with?

Among the 26 Odessa agencies whose appointments we hold, the companies they are most often appointed with are GEICO (9), Foremost (8), Home State (8), Progressive (8), Blue Cross Blue Shield (7). An appointed agency can quote that company's policies.

Do I need flood insurance in Odessa?

FEMA's National Risk Index rates inland flooding risk in Ector County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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