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 Average||U.S. Average|
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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 Company||Average Yearly Rate|
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 bracket||Average Yearly Rate|
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 Status||Average Yearly Rate|
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/Incident||Average Yearly Rate|
|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|
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 Score||Average Annual Rate|
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 HighwaysI-10 I-110 U.S. 62
Toll RoadsCésar Chávez Express Lanes
Find Local El Paso Agents
Cielo Vista Insurance Agency
1132 Geronimo, El Paso, TX 79925
Loy Insurance Agency
6044 Gateway Blvd East, El Paso, TX 79905
C D Lee Insurance Agency, LLC
2244 Trawood Dr. Ste 208, El Paso, TX 79935
Perez & Company Insurance Agency
6044 Gateway Blvd E Ste 808, El Paso, TX 79905
Mt. Franklin Insurance Agency
2931 George Dieter Dr Ste B, El Paso, TX 79936
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
Ladies of the 50's Corp
2141 Trawood Dr., El Paso, TX 79935
Gold Key Insurance
1200 Golden Key Circle Ste 162, El Paso, TX 79925
Cardon Insurance Agency Inc
10105 Montwood Dr, El Paso, TX 79925
849 Lafayette Dr #11 K, El Paso, TX 79907
AIS Anderson Insurance Services LLC
6090 Surety Dr Ste 440, El Paso, TX 79905
Home Insurance Agency
1760 Airway Blvd #100, El Paso, TX 79925
ASAP Insurance Agency
10961 Gateway West Ste 310, El Paso, TX 79935
1121 Larry Mahan Dr., El Paso, TX 79925
Sellers Insurance Agency, Inc.
5900 Gateway East, Ste 202, El Paso, TX 79905
Romberg & Sierra Insurance Agency, Inc.
9900 Montana Ave Ste F, El Paso, TX 79925
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