Car Insurance in El Paso

Premiums in El Paso are relatively consistent with state rates, as its premiums are within $28 of Texas' average. Going over some tips below about how to save on El Paso car insurance can save you some hard-earned money.

El Paso Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in El Paso is determined by several considerations, including marital status and gender. In your city, marital status actually has a substantial impact on premiums. You can save roughly 10% 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. Unfortunately for men, their premiums are typically 2% more pricey than for women.

El Paso Car Insurance by Credit Rating

Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much on premiums than those in the top credit tier (800-850). In terms of percent change, the biggest benefit of better credit occurs when upgrading from Very Good (740-799) to Exceptional (800-850), by which drivers can save nearly 19% per year.

El Paso Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of prices on car insurance. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Expect your annual car insurance premiums to rise by $810 if you are found at-fault in an accident in El Paso. 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 premiums up, with average rates of $2,424.

El Paso Car Insurance by Age

Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,505 each year. However, people in their 60s ($1,553) aren’t paying much more. Teenage drivers have the largest premiums out of all the age groups, with average car insurance payments of $5,371. When drivers reach their 20s in El Paso, therefore moving out of the teenage age range, they can save $3,233, the largest difference between any age group. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 60.

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


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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in El Paso

Find Local El Paso Agents

AIS Anderson Insurance Services LLC

6090 Surety Dr Ste 440 El Paso, TX 79905

Meridian Insurance Services, El Paso

1200 Golden Key Circle El Paso, TX 79925

Ladies of the 50's Corp

2141 Trawood Dr. El Paso, TX 79935

Not sure about El Paso

Check out these other Texas cities...


San Antonio



Fort Worth


Corpus Christi







The average El Pasoan's annual cost of coverage


Our customer's average savings after comparing insurance


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

See How Much You Can Save in El Paso

Click below to get free quotes in seconds!

Start Saving Now!