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How much is car insurance in El Paso?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in El Paso is about $13 cheaper than it is in the rest of Texas.
Compared to the national average cost of auto insurance coverage, El Paso has lower rates. Car insurance rates for the United States as a whole are, on average, $29 more expensive than the rates you'd pay in El Paso.
These rates may be the average amount drivers in El Paso pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't worry, we've done the work for you and broken down the averages rate for El Paso to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $39 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may climb back up in El Paso.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In El Paso, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In El Paso, drivers with one accident on their record will experience rates around $62 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$54|
|15 Years or Older||$46|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in El Paso, with drivers paying around $47 per month to insure their vehicle.
Car owners, on the other hand, typically pay around $52 per month, while truck and van drivers can expect to pay about $48 a month to insure their car.
Your vehicle's age has an impact on the cost of your policy as well. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in El Paso, for example, are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in El Paso reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
One other element taken into consideration is your housing situation. Renters can expect to pay around $6 a month more than homeowners in El Paso. But if you live with your parents, you can expect to pay a lot more.
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 car insurance costs.
Car Insurance Companies in El Paso, TX
Recent trends in car insurance for El Paso drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The cost of auto insurance coverage in El Paso went up from 2016-2018, before steadying out in 2019. Policy premiums rose again recently, hitting a high of $66 in 2021.
How does El Paso compare to neighboring areas?
Why are car insurance rates in El Paso different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around your home address. These factors include things like:
- Community regulations
- Prevalence of crime
- Total amount of drivers in the community
- General road safety (how many accidents each locality has)
- Access to off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 El Paso?
Arming 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.
Good news! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in El Paso in no time.
El Paso Insurance FAQs
What factors affect car insurance quotes in El Paso?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in El Paso different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 El Paso?
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 El Paso?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to El Paso or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?