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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.
If you're thinking of moving to El Paso from out of state, you may still be in luck. Auto insurance coverage in El Paso is about $29 cheaper than it is for the rest of the U.S.
While these are the average car insurance rates for El Paso, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've broken down average rates for El Paso to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $39 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates rise again in El Paso.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The price for car insurance in El Paso, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In El Paso, a driving record with one accident will usually get you a rate around $62 a month. Similarly, drivers with one ticket will typically pay around $59 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$46|
In terms of affordable coverage, the cheapest vehicles to insure in El Paso are usually SUVs, at $48 per month.
Truck and van drivers will see rates of about $49, while the rates for car owners average out to about $54 a month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in El Paso are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
On a national scale, married drivers typically pay less than single drivers for auto insurance. El Paso is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Another factor that comes into play is your housing situation. Drivers who own property in El Paso can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in El Paso, TX
Recent trends in car insurance for El Paso drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The cost of car insurance coverage in El Paso increased from 2017-2018, before leveling out in 2019. They went up again, reaching a high of $66 in 2021, and finished down at $49 in 2022.
How does El Paso compare to neighboring areas?
Why are car insurance rates in El Paso different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Area laws
- Amount of drivers
- Access to off-street parking
- Road Safety (total number of local car accidents)
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in El Paso?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in El Paso.
El Paso Insurance FAQs
What factors affect car insurance quotes in El Paso?
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 age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in El Paso different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in El Paso?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to El Paso?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to El Paso or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.