How Much Does Car Insurance Cost in El Paso?


Premiums in El Paso are relatively equivalent to Texas' rates, as its premiums are within $32 of the state average. We've analyzed how auto insurance rates in El Paso compare to premiums nationwide.


CAR INSURANCE PRICES: EL PASO VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,824$1,792$1,569


El Paso Car Insurance Premiums by Driver Age

The biggest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in El Paso start saving $3,954 on car insurance. Car insurance premiums for drivers continue to drop through their 50s, but they can expect a change when they turn 60. Among all age groups, drivers in their 50s have the smallest car insurance rates, with rates of $1,540 per year. Those in their 60s ($1,584) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with payments that average $5,494 per year.


EL PASO AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$5,494
20s$2,272
30s$1,802
40s$1,746
50s$1,540
60s$1,584
70s$1,844


El Paso Car Insurance by Credit Rating


For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers can save close to $1,165 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).


EL PASO CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Car Insurance Rate
Very Poor$3,283
Fair$2,118
Good$1,824
Very Good$1,725
Exceptional$1,603


El Paso Car Insurance by Accident or Violation History


Accidents and violations can cost you in terms of prices on car insurance. Many people look at speeding as a minor offense, but a ticket for driving 16-20mph over the limit raises your premiums by 5%. In El Paso, drivers with a DUI have rates 36% higher than the city average of $1,824. Reckless driving will bump your premiums up as well, with average rates of $2,525.


AVERAGE EL PASO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$2,477
Reckless Driving$2,525
At-fault Accident (damages less than $1,000)$2,293
At-fault Accident (damages greater than $2,000)$2,700
Speeding Ticket (16-20 mph over speed limit)$1,914


El Paso Auto Insurance by Gender and Marital Status


There are several factors, including gender and marital status, that come into play when determining car insurance premiums in El Paso. Males have premiums that are approximately 2% more pricey than those for females. Believe it or not, marital status has a substantial impact on premiums. Being single, as opposed to married, can cost you roughly $190 more per year on car insurance. Rates for those who are widowed are also way cheaper than rates for those who are single.


EL PASO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,795
Male$1,824
Single$1,824
Married$1,639
Divorced$1,824
Widowed$1,721


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Find Local El Paso Agents

Home Insurance Agency

1760 Airway Blvd #100 El Paso, TX 79925

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

Cielo Vista Insurance Agency

1132 Geronimo El Paso, TX 79925

Romberg & Sierra Insurance Agency, Inc.

9900 Montana Ave Ste F 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

Mt. Franklin Insurance Agency

2931 George Dieter Dr Ste B El Paso, TX 79936

Meridian Insurance Services, El Paso

1200 Golden Key Circle El Paso, TX 79925

AIS Anderson Insurance Services LLC

6090 Surety Dr Ste 440 El Paso, TX 79905

Cardon Insurance Agency Inc

10105 Montwood Dr El Paso, TX 79925

Ladies of the 50's Corp

2141 Trawood Dr. El Paso, TX 79935

Perez & Company Insurance Agency

6044 Gateway Blvd E Ste 808 El Paso, TX 79905

Sellers Insurance Agency, Inc.

5900 Gateway East, Ste 202 El Paso, TX 79905

Loy Insurance Agency

6044 Gateway Blvd East El Paso, TX 79905

Texas Insurance

849 Lafayette Dr El Paso, TX 79907

ASAP Insurance Agency

10961 Gateway West El Paso, TX 79935

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

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.

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.