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 Average||State Average||National Average|
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
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 Level||Average Car Insurance Rate|
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
|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/Gender||Average 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 & 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.
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
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
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
849 Lafayette Dr El Paso, TX 79907
ASAP Insurance Agency
10961 Gateway West El Paso, TX 79935
The average El Pasoan's annual cost of coverage
Our customer's average savings after comparing insurance
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