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How much is car insurance in El Paso?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $13 a month cheaper to insure your vehicle in El Paso than it is in the rest of Texas.
Similarly, the expected monthly payments for an auto insurance policy in El Paso are below the national average. The average monthly payment in El Paso is about $28 less than the rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of El Paso, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've analyzed the average rate for El Paso and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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El Paso 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. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $39 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in El Paso.
El Paso Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In El Paso, although women do pay slightly less on their monthly premiums, the price is about the same for either group.
El Paso Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in El Paso with a single accident on their record will usually see rates around $61 a month. Likewise, drivers with one ticket will be looking at a rate of around $59 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
El Paso Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$46|
As you can see in the first table above, the cheapest vehicles to insure in El Paso are typically SUVs, which run about $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.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In El Paso, the most expensive vehicles to insure are vehicles two-to -three years old.
El Paso Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. El Paso is no exception, with the difference totaling to around $12 a month.
El Paso Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in El Paso. Those who live with their parents, however, 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 overall costs.
Car Insurance Companies in El Paso, TX
Recent trends in car insurance for El Paso 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.
In El Paso, the rates for car insurance had been increasing from 2017-2018, before leveling out in 2019. Insurance rates rose 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 many factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers in the area
- Access to off-street parking
- Crime rates
- Area laws
- Number of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 El Paso?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in El Paso.
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El Paso Auto 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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in El Paso 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 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?
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?
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