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 Average||State Average||National Average|
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
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 Level||Average Car Insurance Rate|
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/Gender||Average Rate|
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/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|
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 Codes79906 79928 79930 79938 79910
Cheap Zip Codes79904 79912 79927 79922 79902
Be Prepared For
Driving in El Paso
Major HighwaysI-10 I-110 U.S. 62
Toll RoadsCésar Chávez Express Lanes
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
Find Local El Paso Agents
Gold Key Insurance
1200 Golden Key Circle Ste 162 El Paso, TX 79925
1121 Larry Mahan Dr. El Paso, TX 79925
Meridian Insurance Services, El Paso
1200 Golden Key Circle El Paso, TX 79925
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