How Much Does Car Insurance Cost in El Paso?


Premiums in El Paso are relatively consistent with Texas' rates, as its premiums are within $28 of the state average. Let's take a look at how auto insurance costs in El Paso compare to rates nationwide.


INSURANCE COSTS: EL PASO VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,782$1,810$1,427


El Paso Auto Insurance Rates by Driver Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest payments among any age group, with rates of $1,505/year. However, those in their 60s ($1,553) also have relatively low premiums. The greatest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in El Paso start saving an average of 60%. In El Paso, turning 60 means a rise in rates. Up until then, moving from one age group to the next means decreasing prices. With rates of $5,371 on average, teenage drivers are the ones who pay the most in car insurance premiums.


EL PASO AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,371
20s$2,138
30s$1,756
40s$1,695
50s$1,505
60s$1,553
70s$1,881


El Paso Car Insurance by Credit Rating


People with Exceptional credit (800-850) usually pay 53% less each year for car insurance than those with Very Poor credit (300-579). Drivers will see the largest drop 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 LevelAverage Car Insurance Rate
Very Poor$3,163
Fair$2,660
Good$2,199
Very Good$1,843
Exceptional$1,488


El Paso Car Insurance by Marital Status and Gender


Pricing for car insurance premiums in El Paso is determined by a lot of factors, including gender and marital status. 2% is the amount by which men's and women's car insurance premiums vary. In your city, marital status actually has a substantial impact on premiums. You can save around $180 per year if you're married as opposed to single or divorced. Rates for those who are widowed are also significantly cheaper than rates for those who are single.


EL PASO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,753
Male$1,782
Single$1,782
Married$1,604
Divorced$1,782
Widowed$1,612


El Paso Car Insurance by Violation or Accident History


By knowing which driving mishaps can bloat your rates, you can make better decisions and save money. Nobody plans on getting into an accident, but stuff happens, so be aware of what can happen to your rates following one. If you are found at-fault in an accident in El Paso, expect your yearly car insurance premiums to rise by $810. On average, a DUI in El Paso will cost you 39% more in car insurance premiums versus the city average ($1,782). Reckless driving will also bump your rates up, with typical rates of $2,424.


AVERAGE EL PASO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI/DWI$2,474
Reckless Driving$2,424
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


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 Zip Codes

79906   79928   79930   79938   79910  

Cheap Zip Codes

79904   79912   79927   79922   79902  

Be Prepared For

Driving in El Paso

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

The LIFT

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

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

Car Insurance Companies in El Paso

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local El Paso Agents

Gold Key Insurance

1200 Golden Key Circle Ste 162 El Paso, TX 79925

Romero Insurance

1121 Larry Mahan Dr. El Paso, TX 79925

Meridian Insurance Services, El Paso

1200 Golden Key Circle El Paso, TX 79925

$1,358

The average El Pasoan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

362

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

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