El Paso, TX – Auto Insurance Quotes
Buying car insurance in El Paso, Texas is an important step to protect yourself and your vehicle on the road. There are quite a few factors that will determine how much you can expect it to cost for an auto insurance policy. Here’s a guide to help you navigate the process, see average costs by car type, and find affordable auto insurance quotes from a local or national insurance provider.
Average Car Insurance Costs for El Paso
The average cost for car insurance in for state minimum coverage is $95.52 per month or $1,146 yearly. If you were looking for a full coverage policy you can expect to pay around $140 a month or $1,680 a year. Auto insurance costs will vary depending on several factors, including your age, driving history, type of vehicle, coverage limits and other factors.
Here is a breakdown of car insurance policy rates from our 2023 updated costs database for El Paso and Hudspeth county by car type:
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| El Paso | $1,275 | $1,095 | $1,209 | $1,286 | $1,352 |
| Hudspeth | $1,074 | $912 | $1,010 | $1,091 | $1,153 |
| Avg. Monthly Costs: | $97.92 | $83.66 | $92.50 | $99.08 | $104.42 |
Cheapest Car Insurance Providers in El Paso
The cheapest car insurance providers in El Paso is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
New Vehicle Insurance Rates in TX
The average cost for auto insurance for a newer 2022 – 2023 vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
At What Age Does Auto Insurance Rates Lower in TX?
Age is a significant factor that affects TX auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
How to Determine How Much Car Insurance You Need
Before you start shopping for car insurance, assess your coverage requirements. Texas law mandates that drivers carry liability insurance with minimum coverage limits of 30/60/25, which means:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 to cover property damages
However, it’s often recommended to opt for higher coverage limits or additional coverage options like comprehensive and collision coverage for better protection.
Compare Insurance Providers
Look for reputable insurance providers in El Paso, Texas. Insurance Quotes can help you find both national and local insurance companies to compare prices. It also helps to read company reviews, check their financial stability, and compare their coverage options, discounts, and customer service ratings. Some well-known insurance providers in Texas include State Farm, Allstate, Geico, Progressive, and Farmers Insurance.
Get Multiple Quotes
It’s always best practice to request quotes from several insurance companies to compare prices and coverage options. You can either contact the companies directly or use our online comparison tool by filling out our simple form.
You’ll want to make sure to provide accurate information about yourself, your vehicle, and your driving history to get the most accurate cost quotes. The cheapest option may not always be the best for you, so consider the overall value provided by each insurer.
What Coverage is Needed in Texas:
There are a few different coverage options available in El Paso, Texas. The main types of coverage and what they cover are as follows:
- Liability insurance also referred to as state minimum coverage (mandatory)
- Comprehensive coverage (covers non-collision incidents like theft or vandalism)
- Collision coverage (covers damages from collisions)
- Uninsured/Underinsured motorist coverage (protects you if the other driver is at fault but lacks sufficient insurance)
- Personal Injury Protection (PIP) or medical payments coverage (covers medical expenses)
Ask about Discounts:
It’s always smart to inquire about discounts offered by insurance companies. Common discounts can include safe driver discounts, multi-vehicle discounts, bundling home and auto insurance policies, good student discounts and discounts for certain upgraded safety features in your vehicle. Ask each insurer about the discounts they offer and how you might qualify for them as they sometimes will not automatically apply or offer them right off the bat.
Review Your Policy Details:
Once you’ve narrowed down your options, carefully review the policy details, including coverage limits, deductibles, and any exclusions or limitations. Make sure you understand what is covered and what is not. If you have any questions or concerns, contact the insurance company for clarification. It’s important to make sure you understand your policy details so you are fully covered.
Buying Your Car Insurance Policy
Once you’ve selected an insurance provider and have compared different quotes, you can begin to finalize the purchase of your auto policy. They will ask you to provide the necessary information, pay the premium, and provide you with the details of your coverage and send out your insurance card. The provider may also offer a mobile app to get your insurance card even faster. It’s always smart to ensure that you have actually purchased the coverage and your policy has gone into effect before you start driving.
It is essential to comply with Texas insurance laws and carry valid proof of insurance while driving.
