How Much Does Car Insurance Cost in El Paso?
El Paso has premiums that are relatively equivalent to Texas' average, as they are within $28 of one another. We've analyzed how auto insurance rates in El Paso compare to premiums nationwide.
INSURANCE COSTS: EL PASO VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
El Paso Auto Insurance by Gender and Marital Status
Car insurance premiums in El Paso can be impacted by gender and marital status. Premiums are cheaper for women than for men. Women normally pay 2% less than men every year for insurance. In your city, marital status actually has a substantial impact on premiums. You spend an average of $178 more per year if you're single as opposed to married. Rates for those who are widowed are also way cheaper than rates for those who are single.
EL PASO CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
El Paso Car Insurance Premiums by Age Bracket
Car insurance premiums are highest for teenage drivers, with average payments of $5,371 per year. The greatest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in El Paso start saving an average of $3,233 annually. Rates continue to trend downward up until drivers turn 60. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $1,505/year. However, people in their 60s ($1,553) aren’t paying significantly more.
EL PASO AUTO INSURANCE RATES BY AGE
El Paso Auto Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the greatest reduction in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $355 per year.
EL PASO CAR INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Car Insurance Rate|
El Paso Car Insurance for Drivers With At-Fault Accidents or Violations
Do you have a history of accidents or violations? That can have an impact on your prices on car insurance. In El Paso, drivers with a DUI have rates that surpass the city average of $1,782 by 39%. Reckless driving will also drive your rates up, with average rates of $2,424. Nobody plans on being in an accident, but stuff happens, so be aware of what one can do to your rates. If you are found at-fault in an accident in El Paso, you can expect your annual car insurance payments to rise by 45%.
AVERAGE EL PASO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,592|
|At-fault Accident (damages greater than $2,000)||$2,592|
|Speeding Ticket (16-20 mph over speed limit)||$1,850|
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
Romberg & Sierra Insurance Agency, Inc.
9900 Montana Ave Ste F El Paso, TX 79925
1121 Larry Mahan Dr. El Paso, TX 79925
C D Lee Insurance Agency, LLC
2244 Trawood Dr. Ste 208 El Paso, TX 79935
Ladies of the 50's Corp
2141 Trawood Dr El Paso, TX 79935
849 Lafayette Dr El Paso, TX 79907
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
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
Cardon Insurance Agency Inc
10105 Montwood Dr El Paso, TX 79925
Cielo Vista Insurance Agency
1132 Geronimo El Paso, TX 79925
Gold Key Insurance
1200 Golden Key Circle Ste 162 El Paso, TX 79925
Loy Insurance Agency
6044 Gateway Blvd East El Paso, TX 79905
Home Insurance Agency
1760 Airway Blvd #100 El Paso, TX 79925
Meridian Insurance Services, El Paso
1200 Golden Key Circle El Paso, TX 79925
ASAP Insurance Agency
10961 Gateway West El Paso, TX 79935
AIS Anderson Insurance Services LLC
6090 Surety Dr Ste 440 El Paso, TX 79905
The average El Pasoan's annual cost of coverage
Our customer's average savings after comparing insurance
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El Paso Car Insurance
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