El Paso, TX Car Insurance
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By Sandra Cruz | Updated March 9, 2021
El Paso drivers pay an average of $120 per month for car insurance. Auto insurance rates in El Paso are determined by facoring in variables such as age, location, credit level. You can save hundreds of dollars per year by comparing quotes and coverage options. Read our El Paso car insurance guide to learn more on how to save on your next policy and try our auto insurance quote comparison tool to compare quotes instantly in your area.
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Average Car Insurance Rates in El Paso, TX
The average annual car insurance rate in El Paso is $1,442. It is slightly than the statewide average of $1,415 but less expensive than the nation’s average of $1,548. However, every company offers different deals and coverage options and it is best to compare multiple carriers to get the best policy.
El Paso Car Insurance Rates by Company
Finding the best car insurance company in El Paso that best suits your driver’s profile is important if you want to save on your auto insurance. Going for the cheapest plan is not always an option if you reside in areas prone to theft, crime, or potential driving hazards, and if you have a past violation on your record. However, if you have a clean driving record, you will likely receive cheaper rates. GEICO offers the most affordable car insurance rates in El Paso.
El Paso Car Insurance Rates by Company
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| USAA | $109 | $1,309 |
| State Farm | $109 | $1,308 |
| GEICO | $98 | $1,183 |
| Allstate | $197 | $2,364 |
El Paso Car Insurance Rates by Age Group
El Paso car insurance companies consider age as an important factor when providing a quote. El Paso drivers in their fifties as well as drivers in their sixties pay the lowest rates. On the other hand, teenage drivers in El Paso are seen as high-risk drivers. Therefore, they have the highest auto insurance rates, with a substantial gap up between other age groups. Teenage drivers will be entitled to a significant rate decrease on their 20th birthday once they have accumulated a few years of driving experience without accidents on the road.
El Paso Auto Insurance Premiums By Age Bracket
| AGE GROUP | Monthly Rate | Annual Rate |
|---|---|---|
| Teenagers | $295 | $3,538 |
| 20s | $155 | $1,861 |
| 30s | $118 | $1,418 |
| 40s | $115 | $1,379 |
| 50s | $104 | $1,246 |
| 60s | $107 | $1,280 |
| 70s | $129 | $1,549 |
El Paso Car Insurance Rates by Marital Status and Gender
Marital status influences car insurance rates in El Paso. Many married drivers in El Paso pay lower rates than single drivers. Married drivers are considered more responsible on the road and more financially stable. Also, widowed drivers pay cheaper rates than single drivers.
Moreover, male drivers in El Paso pay $21 more than female drivers. Female drivers are considered more responsible drivers than males. Therefore, female drivers are given a $21 decrease in their insurance rate.
Average Car Insurance Rates in El Paso by Marital Status and Gender
| Gender | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $118 | $1,421 |
| Male | $120 | $1,442 |
| Marital Status | Monthly Rate | Annual Rate |
|---|---|---|
| Single | $112 | $1,339 |
| Married | $112 | $1,339 |
| Divorced | $120 | $1,442 |
| Widowed | $109 | $1,309 |
El Paso Car Insurance Rates by Violation and Driving Record
Your driving record substantially impacts your car insurance rates in El Paso. If you are found guilty of driving recklessly or speeding, your insurance rates increase significantly.
A significant yearly increase of $736 will be added on to your annual car insurance premium if you are issued a reckless driving citation, while an additional $122 will be added for speeding tickets. As for DWI or DUI violations, an additional $754 will added to your annual rate. Thus, it is essential to maintain a clean driving history to receive cheap car insurance in El Paso close to or below the average of $120 per month.
El Paso Car Insurance Rates After an Accident or Violation
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $183 | $2,196 |
| Reckless Driving | $182 | $2,178 |
| At-Fault Accident (less than $1000 damages) | $150 | $1,795 |
| At-Fault Accident (greater than $2000 damages) | $179 | $2,150 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $130 | $1,564 |
El Paso Car Insurance Rates by Credit Level
The credit tier of El Paso drivers is correlated to car insurance rates. If the driver significantly elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), they will garner as much as 60% savings on their car insurance premium. Additionally, if you take a small step towards the “Fair” credit tier from the “Very Poor” tier, you can save as much as $1,226 on your annual car insurance in EL Paso. Thus, the credit tier is one way to save on your premiums.
El Paso Car Insurance Rates by Credit Level
| Credit Score | Monthly Rate | Yearly Rate |
|---|---|---|
| Very Poor | $251 | $3,017 |
| Fair | $149 | $1,792 |
| Good | $120 | $1,442 |
| Very Good | $112 | $1,339 |
| Exceptional | $100 | $1,196 |
El Paso Car Insurance Rates by Location
Location is another contributing factor El Paso car insurance companies take into account when calculating quotes. If you live in areas of El Paso considered high-risk, it is likely for your car insurance prices to rise. Certain areas in El Paso are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive by 16% ($213) in comparison to areas considered lower-risk.
El Paso Auto Insurance Rates by ZIP Code
| El Paso ZIP Codes with Expensive Rates | El Paso ZIP Codes with Cheaper Rate |
|---|---|
| 79906 | 79904 |
| 79928 | 79912 |
| 79930 | 79927 |
| 79938 | 79922 |
| 79910 | 79902 |
Do Driving and Weather Conditions Impact Car Insurance Rates in El Paso?
Weather conditions trigger auto accidents in El Paso, TX. Drivers may experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.
El Paso experiences an average of 48 rainy days annually, with occasional thunderstorms and flash floods. Due to a substantial amount of accidents in El Paso related to weather, insurers consider this as a risk when calculting your quote.
List of Car Insurance Companies in El Paso
El Paso Car Insurance FAQs
Am I allowed to use a handicap permit issued from another country in El Paso?
The following states allow placards from outside the country: California, Louisiana, Nevada, Texas, and Illinois. If you will visit other states, it is best to contact the state’s DMV.
I had an accident in El Paso and I am not listed on my wife’s car insurance policy. What options do I have to resolve this?
It is best to list your spouse on your insurance policy since they have access to your vehicle, and you both carry the financial responsibilities.
How do I handle filing an insurance claim for a totaled car in El Paso?
The first thing to do is cancel the vehicle’s coverage if you do not plan to buy a new one soon. Second, if the policy is active during the accident, your insurer will handle your claim with you online or on the phone.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.