Eagle Pass, TX Car Insurance

The average monthly cost for car insurance in Eagle Pass is about $64. Read our guide below to learn more about your specific rates.
How does Eagle Pass compare to the surrounding area and the rest of Texas? How much can residents of Eagle Pass expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Eagle Pass?

Area Average Monthly Car Insurance Premium
Eagle Pass$64
TX$65
United States$81

According to the chart above, the rates you'll pay for coverage in Eagle Pass are about the same as what you would pay anywhere else in Texas.

Drivers relocating from out of state may enjoy some cost savings in Eagle Pass. The average monthly payment for the United States as a whole is about $17 more expensive than in Eagle Pass.

While these numbers are the average rates for auto insurance in Eagle Pass, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down the average rate for Eagle Pass residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$100
25-34$58
35-44$55
45-54Not Enough Data
55-64$56
65+$54

Generally, the older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may climb back up in Eagle Pass.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$59

Car insurance rates for women are generally cheaper than they are for men. In Eagle Pass, this difference shakes out to about $9 per month. Based on the chart above, you can see that male drivers pay $68 on average, while female drivers typically pay $59 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$68
1 Ticket$103
Multiple Tickets$53

Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Eagle Pass with a single accident on their record is about $106 a month. Similarly, drivers with one ticket will typically pay around $103 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$57
2-3 Years$52
4-5 Years$63
6-7 Years$66
8-10 Years$59
11-14 Years$75
15 Years or Older$61

As you can see in the first table above, the cheapest vehicles to insure in Eagle Pass are usually SUVs, trucks, and vans, which run about $61 per month.

Car owners, meanwhile, pay on average $68 a month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is about 5 years old. In Eagle Pass, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$71
Married$55
Divorced$58
Widowed$47

On average, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Eagle Pass as well, where the difference is around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$66
Live with parents$118

Your housing situation is another component of how insurance companies calculate your monthly rate. In Eagle Pass, homeowners can expect to pay around $9 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Eagle Pass, TX

Recent trends in car insurance for Eagle Pass drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The cost of car insurance in Eagle Pass had been increasing from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $62 per month

How does Eagle Pass compare to neighboring areas?

Why are car insurance rates in Eagle Pass different from other areas?

Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Amount of drivers
  • Rate of car accidents
  • Prevalence of crime
  • Area laws
  • Amount of off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Eagle Pass?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Eagle Pass.

Compare the cheapest quotes from dozens of insurance companies

Eagle Pass Insurance FAQs

What factors affect car insurance quotes in Eagle Pass?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Eagle Pass different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Eagle Pass?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Eagle Pass?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Eagle Pass or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes