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.


AUTO INSURANCE COSTS: EL PASO VS. STATE AND US AVERAGES
El Paso Average (annual)Texas AverageU.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 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 get car insurance quotes based on your driving profile.


EL PASO CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage 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.


EL PASO CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage 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.


EL PASO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage 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.


EL PASO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage 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.


EL PASO CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage 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.

48

Rainy Days a Year

8"

Avg. Annual Rainfall

6"

Avg. Annual Snowfall

Be Prepared For

Driving in El Paso

2
Major Highways
I-10 I-110 U.S. 62
2
Public Transit
Sun Metro Bus

The LIFT

2
Toll Roads
César Chávez Express Lanes
2
Popular Day Trips
Cadillac Ranch Elephant Butte Aden Crater

Car Insurance Companies in El Paso

21st Century AAA AFI Access Affirmative Aggressive Insurance Allstate AmWINS Heritage AmWINS Star Amica Mutual Insurance Apparent AssuranceAmerica Bristol West CAIC Cal Casualty Clearcover Commonwealth Casualty Dairyland Direct Auto Elephant Empower Encompass Esurance FIMC Falcon Farmers Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers UPC USAA Unitrin Windhaven

Find Local El Paso Agents

Mt. Franklin Insurance Agency

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

C D Lee Insurance Agency, LLC

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

Cielo Vista Insurance Agency

1132 Geronimo, El Paso, TX 79925

Sellers Insurance Agency, Inc.

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

Home Insurance Agency

1760 Airway Blvd #100, El Paso, TX 79925

Gold Key Insurance

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

Perez & Company Insurance Agency

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

ASAP Insurance Agency

10961 Gateway West Ste 310, El Paso, TX 79935

AIS Anderson Insurance Services LLC

6090 Surety Dr Ste 440, El Paso, TX 79905

Texas Insurance

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

Cardon Insurance Agency Inc

10105 Montwood Dr, El Paso, TX 79925

Ladies of the 50's Corp

2141 Trawood Dr, El Paso, TX 79935

Romero Insurance

1121 Larry Mahan Dr., El Paso, TX 79925

Ladies of the 50's Corp

2141 Trawood Dr., El Paso, TX 79935

Meridian Insurance Services, El Paso

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

Loy Insurance Agency

6044 Gateway Blvd East, El Paso, TX 79905

Romberg & Sierra Insurance Agency, Inc.

9900 Montana Ave Ste F, El Paso, TX 79925

2

$1,358

The average El Pasoan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

362

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

See How Much You Can Save in El Paso

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Recent Questions:

El Paso Car Insurance

Can a handicap permit from another country be used in the US?

It appears the following states will allow you to use an out of country placard: California, Illinois, Louisiana, Nevada, and Texas. If she'll be visiting other states, you may need to contact the state's DMV for additional information. If you have any questions, don't hesitate to ask.

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.

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. As long as the policy was active at the time of the accident (which it sounds like it was), you should be fine. Second, if your car is totaled, you can cancel your insurance if you are not getting another car in the near future.

Liability limits for a car accident in another state?

There is not a specific law that states the limits will be honored. However, I'm unaware of any company that does not operate this way when driving to different states.