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How much does car insurance cost in El Paso?

The average cost of auto insurance in El Paso is $1,442 per year. That's greater than than the average in Texas ($1,415) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in El Paso.

El Paso Average (annual) Texas Average U.S. Average
$1,442 $1,415 $1,548

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El Paso car insurance rates by provider

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your auto insurer carefully. For a typical insurance customer, GEICO provides El Paso's cheapest rates. See below the best options for affordable auto insurance in El Paso. Don't forget to check out your individualized quotes- it only takes minutes.

Insurance Company Average Yearly Rate
GEICO $1,183
State Farm $1,308
USAA $1,309
Allstate $2,364

Check out our guide to learn how to find the best cheap car insurance.

El Paso car insurance costs by age

El Paso drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,246per year, on average. Those in their 60s don't pay much more ($1,280).

The El Paso drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in El Paso and move out of the teenage age bracket, they reduce their premiums substantially. In El Paso, teenage drivers pay $3,538 — a full $2,258 more than the second-most expensive rate paid by an age group.

Age bracket Average Yearly Rate
Teenagers $3,538
20s $1,861
30s $1,418
40s $1,379
50s $1,246
60s $1,280
70s $1,549

Learn more about how age influences auto insurance rates.

El Paso auto insurance rates by marital status and gender

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in El Paso pay $103 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in El Paso, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In El Paso, the gap in car insurance costs between genders is $21 per year, with male drivers paying more than female drivers.

Gender/Marital Status Average Yearly Rate
Female $1,421
Male $1,442
Single $1,339
Married $1,339
Divorced $1,442
Widowed $1,309

Learn more about how gender and marital status have on auto insurance rates.

El Paso car insurance costs by violation history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. El Paso drivers found guilty of reckless driving face insurance rate increases of $736 per year, compared to the citywide average. A DUI violation may lead to a $754 increase, while a citation for speeding leads to a $122 rate hike.

Violation/Incident Average Yearly Rate
DWI/DUI $2,196
Reckless Driving $2,178
At-fault Accident (damages < $1,000) $1,795
At-fault Accident (damages > $2,000) $2,150
Speeding Ticket (16-20 mph over speed limit) $1,564

Learn more about the impact of driving violations on car insurance rates.

El Paso auto insurance costs by credit level

In many cases, a driver's credit level is closely correlated with their auto insurance rates. El Paso drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In El Paso, improving your credit to "Fair" could help you earn a $1,226 decrease in yearly insurance premiums.

Credit Score Average Annual Rate
Very Poor $3,017
Fair $1,792
Good $1,442
Very Good $1,339
Exceptional $1,196

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in El Paso?

Where you live in El Paso affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately El Paso is no exception to the rule. From ZIP code 79904 to 79910, premiums rise by 16 percent—that's $213.

Expensive El Paso ZIP codes: 79906, 79928, 79930, 79938, 79910

Cheap El Paso ZIP codes: 79904, 79912, 79927, 79922, 79902

El Paso Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In El Paso, you can expect 48 rainy days with an annual rainfall of 8 inches. El Paso is also known to experience thunderstorms and flash floods.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in El Paso

Major Highways
I-10 I-110 U.S. 62
Public Transit
Sun Metro Bus


Toll Roads
César Chávez Express Lanes
Popular Day Trips
Cadillac Ranch Elephant Butte Aden Crater

Find Local El Paso Agents

AIS Anderson Insurance Services LLC

6090 Surety Dr Ste 440, El Paso, TX 79905

Mt. Franklin Insurance Agency

2931 George Dieter Dr Ste B, El Paso, TX 79936

ASAP Insurance Agency

10961 Gateway West Ste 310, El Paso, TX 79935

Perez & Company Insurance Agency

6044 Gateway Blvd E Ste 808, El Paso, TX 79905

Gold Key Insurance

1200 Golden Key Circle Ste 162, El Paso, TX 79925

C D Lee Insurance Agency, LLC

2244 Trawood Dr. Ste 208, El Paso, TX 79935

Romero Insurance

1121 Larry Mahan Dr., El Paso, TX 79925

Romberg & Sierra Insurance Agency, Inc.

9900 Montana Ave Ste F, El Paso, TX 79925

Loy Insurance Agency

6044 Gateway Blvd East, El Paso, TX 79905

Meridian Insurance Services, El Paso

1200 Golden Key Circle Suite 129, El Paso, TX 79925

Texas Insurance

849 Lafayette Dr #11 K, El Paso, TX 79907

Ladies of the 50's Corp

2141 Trawood Dr., El Paso, TX 79935

Home Insurance Agency

1760 Airway Blvd #100, El Paso, TX 79925

Ladies of the 50's Corp

2141 Trawood Dr, El Paso, TX 79935

Cardon Insurance Agency Inc

10105 Montwood Dr, El Paso, TX 79925

Sellers Insurance Agency, Inc.

5900 Gateway East, Ste 202, El Paso, TX 79905

Cielo Vista Insurance Agency

1132 Geronimo, El Paso, TX 79925


The average El Pasoan's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 362 tacos or $543 in savings

See How Much You Can Save in El Paso

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What options does my daughter have if she had an accident without being listed on her wife's car insurance?

Since your daughter was driving her wife's car, a claim that is filed will likely be denied because you must list your spouse on the insurance policy. You have to list your spouse because they have regular access to the vehicle and you share financial responsibility.
Jun 13, 2019 El Paso, TX

If I have an open claim on a totaled car, how do I handle the insurance?

There's a couple of things to think about. First, canceling the coverage on this vehicle will not cancel the claim.
Jan 17, 2019 El Paso, TX

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.
Jun 21, 2018 El Paso, TX

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.