Best Auto Insurance Rates in El Paso, Texas

On average, your neighbors pay $77 a month.

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Average El Paso Car Insurance Rates

How much is car insurance in El Paso, TX? The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01. The average cost of insurance coverage in El Paso is higher than the national average.

Prices may vary depending on multiple factors including: your driving record and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help your find cheap car insurance rates near El Paso, Texas can help you save up to 40% on your premium.

Last year, 12,862 people used QuoteWizard to compare auto insurance quotes in El Paso, TX from multiple companies and find the cheapest rates.

Best Car Insurance Companies in El Paso, TX

These were the most common car insurance companies reported by QuoteWizard users living in El Paso, Texas last year.

Other popular El Paso, Texas car insurance companies: Country Financial, 21st Century, MetLife, Hartford, American Family, Safeco, Texas Farm Bureau, and Travelers.

Top 10 Vehicles in El Paso

These are the most common car makes and models owned by El Paso, TX drivers requesting quotes through QuoteWizard last year. Of these users, 1,310 were uninsured.

  1. Ford F150
  2. Ford Mustang
  3. Ford Focus SE
  4. Chevrolet C1500 Silverado
  5. Nissan Altima 2.5 S
  6. Honda Accord EX/LX
  7. Chevrolet Cavalier
  8. GMC Sierra C1500
  9. Ford Explorer
  10. Chevrolet Malibu LS
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in El Paso, TX

El Paso, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000.
  • Property Damage Liability (PDL): $25,000.
    The total amount your insurance carrier will pay for property damage caused by a car accident.

El Paso, TX Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, El Paso, Texas ranked 50th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.8 years, 2.1 percent higher than the national average. 698 of the 12,862 El Paso drivers that used QuoteWizard last year said they had incidents on their driving record.

El Paso drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Some of the factors that can affect your insurance rates are the driving conditions.

Weather

El Paso, TX weather is hot and humid in the summer and cold in the winter. Spring and fall are pleasant, but springtime storms can pack a punch and dump a lot of rain onto city streets creating slick driving conditions and flooding. Snowfall is rare here, but when it does happen, the city is frequently paralyzed.

Road Conditions

According to TRIP, 29 percent of the roads here are in poor condition. Another 31 percent are rated mediocre. The condition of these roads costs drivers an additional $710 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

El Paso, TX has been ranked 161st for worst traffic in the world by TomTom. According to the TomTom, the average commuter spends an extra 16 minutes every day stuck in traffic or 61 hours every year.

Moving Violations

Moving violations like drunk driving, speeding tickets, and running a red light will add points to your driver's license and raise your rates.

Traffic Tickets

The City of El Paso Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

DWI Arrests

El Paso is serious about curbing its drunk driving problem. In 2013, El Paso police made 2,700 arrests for suspicion of Driving While Intoxicated. One third of these drivers were repeat offenders with three or more previous DWI convictions.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in El Paso DWI insurance.

Car Accident Statistics

El Paso officials reported 17,172 car crashes in 2016. These crashes resulted in 6,565 injuries, 233 of them incapacitating.

DWI Crashes and Injuries

El Paso reported 758 crashes involving alcohol or drugs in 2016. These accidents caused 372 injuries and 19 fatalities involving impaired drivers.

Traffic Fatalities

El Paso Police reported 60 fatal collisions in 2016 resulting in 65 deaths in motor vehicle crashes.

This works out to a fatality rate of 9.5 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 683,080 El Paso ranks among the nation's worst in terms of traffic fatalities per capita.

Vehicle Theft Rates

El Paso police reported 802 vehicle thefts in 2016. A rate of 1.18 per 1,000 residents. This is almost half the national average of 2.20 thefts per 1,000 people.

Car Insurance Discounts in El Paso

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in El Paso, TX depending on your carrier.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service. So, if you've one of the nearly 50,000 veterans living in El Paso, TX, you can get extra savings on your insurance
  2. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling can save you as much as 25 percent on your premium. This is without a doubt the best discount available and one you should ask about
  3. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  4. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates. The bad news is that property crime in El Paso, TX is very high
  5. Get married. Some insurers offer a discount to married drivers. 50.9 percent of the drivers in El Paso, TX are married. If you're one of them, make sure you get in on the savings
  6. Taking a defensive driving course can get you a sweet discount from your insurance carrier. This training can also help you avoid collisions with the 14.1 percent of Texas drivers without auto insurance

Sources:

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