Table of contents
How much is car insurance in Eagle Pass?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Eagle Pass as it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Eagle Pass. Car insurance rates for the U.S. as a whole are, on average, $16 more expensive than the rates you'd pay in Eagle Pass.
While these are the average costs to insure your vehicle in Eagle Pass, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rates 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 below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $58 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Eagle Pass drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Eagle Pass is about $12 a month. As you can see in the table above, female drivers in the area typically pay $58 on average, while female drivers typically pay $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Eagle Pass with one accident will pay around $109 a month. Similarly, drivers with one ticket will typically pay around $158 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$56|
|15 Years or Older||$62|
As you can see in the first table above, the cheapest vehicles to insure in Eagle Pass are usually trucks and vans, which run about $59 per month.
Car owners, on the other hand, by and large pay around $67 per month, while SUV drivers can expect to pay about $61 a month for insurance coverage.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few 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|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
In Eagle Pass, the difference in rates based on relationship status can be as much as $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Eagle Pass. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Eagle Pass, TX
Recent trends in car insurance for Eagle Pass drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Auto insurance rates in Eagle Pass had been increasing from 2016-2017, before leveling out in 2018. They finished down in 2021, at $55 per month
How does Eagle Pass compare to neighboring areas?
Why are car insurance rates in Eagle Pass different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Road safety
- Regional crime rates
- Area laws
- Off-street parking accessibility
- Total drivers
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
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 can handle all of this for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing plans in Eagle Pass.
Eagle Pass Insurance FAQs
What factors affect car insurance quotes in Eagle Pass?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Eagle Pass different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.