Eagle Pass, TX Car Insurance

What rates should residents of Eagle Pass expect to pay for their car insurance? How does Eagle Pass compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Eagle Pass?

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.

When stacked up against the national average, the average monthly policy payment for Eagle Pass is more affordable. On average, it's about $15 less to insure your vehicle in Eagle Pass than it is in the rest of the United States.

While these numbers represent the average monthly payments for coverage 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

But don't worry, 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 the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Eagle Pass Car Insurance Rates by Age

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $44 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Eagle Pass.

Eagle Pass Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. In Eagle Pass, male drivers pay about $9 more per month. As illustrated in the table above, male drivers in the area pay about $69 on average, while female drivers pay around $60 each month.

Eagle Pass Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is 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. In Eagle Pass, a driving record with one accident will usually get you a rate around $104 a month. Likewise, drivers with one ticket will be looking at a rate of around $103 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Eagle Pass Insurance Rates by Vehicle

The most affordable vehicles to insure in Eagle Pass are usually trucks and vans, which run about $60 per month.

Car owners will see a monthly premium of about $68, while SUV owners by and large pay around $62 a month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Eagle Pass, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Eagle Pass Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Eagle Pass, with married couples paying about $16 less per month.

Eagle Pass Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Eagle Pass. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Eagle Pass, TX

Recent trends in car insurance for Eagle Pass drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Eagle Pass have been fairly constant from 2017-2022, reaching a low of $62 in 2021 and finishing up in 2022 with a high of $75.

How does Eagle Pass compare to neighboring areas?

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

Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

• Area regulations
• Crime rates
• Off-street parking accessibility
• Frequency of car accidents
• Number of drivers

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

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.

Fortunately, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Eagle Pass in no time.

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Eagle Pass Auto Insurance FAQs

What factors affect car insurance quotes in Eagle Pass?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 however, 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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Eagle Pass or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.