best car insurance El Paso
2022
The Cheapest and Best Car Insurance in El Paso
The Cheapest Car Insurance Companies in El Paso
On modal, the two car indemnity providers offering the lowest wide coverage rates in El Paso are :
- Farmers: $769 per year
- GEICO: $857 per year
military families can get a policy from USAA, which costs an average of $ 853 per annum. Full coverage, which includes comprehensive and collision cable car insurance, provides more protection during an at-fault accident but costs more than liability policy. The most expensive insurance company, The General, costs more than Farmers by about $ 1,262 per year. Your rates may vary depending on your driving background and coverage sum .
Cheapest Car Insurance in El Paso
Full Coverage 100/300/100 Drivers in El Paso will pay more for a full moon coverage policy than submit minimum or liability alone car insurance because full coverage policies feature the follow extra coverages :
- Collision Insurance: This protects you from the cost of damage to your car if you collide with another car or a stationary object.
- Comprehensive Insurance: This insurance protects you against the costs associated with non-collision damages to your vehicle.
For this research, MoneyGeek determined the average monetary value of car indemnity using a 40-year-old male driver with full moon coverage car policy. You can review the policy limits in our methodology. If you have an older vehicle, the most suitable coverage is minimum coverage or liability merely indemnity since a full coverage policy may cost more than the value of your old car .
Compare Car Insurance Rates in El Paso
guarantee you ‘re getting the best rate for your cable car policy. Compare quotes from the lead indemnity companies. widget-location-pin
Cheapest Car Insurance in El Paso for Minimum Coverage
If you are looking for the cheapest car indemnity in El Paso, the express minimal coverage may be desirable for you. On average, the two cheapest companies for this type of coverage in the city are :
- Farmers: $350 per year
- State Farm: $432 per year
For military families, USAA provides the second-cheapest minimum coverage in the city, at an average of $ 378 per class. The highest average rate in the city is from The General company. Policyholders pay roughly $ 989 per year, which is higher than Farmers by $ 639. While purchasing state minimum car insurance means you will pay less annually, the limits may not be adequate to cover all the costs in an accident. consequently, you may pay the difference out of pouch. Use the board below to compare costs for different liability limits .
Cheapest Minimum Liability Car Insurance in El Paso
state Minimum The state minimum car insurance policy alone provides liability coverage and excludes comprehensive and collision policy. In El Paso, your minimal coverage should be 30/60/25. minimum coverage insurance features lower premiums, but you may end up paying money out of pocket if you get involved in an at-fault accident and the costs are higher than the limits. For example, if the property damage costs after an accident are $ 35,000, you will need to pay $ 10,000 out of pocket .
Texas Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 30,000 per person, $ 60,000 per accident and $ 25,000 for property damage. A more protective floor is 100/300/100 .
Cheapest Car Insurance in El Paso if You Have Driving Violations
El Paso drivers pay unlike rates for cable car insurance depending on their drive history. With violations such as speeding tickets and at-fault accidents, you will end up paying more for cable car indemnity. According to MoneyGeek, the most low-cost insurers in El Paso for drivers with violations are :
- Cheapest after a ticket: State Farm, $877 per year
- Cheapest after an at-fault accident: State Farm, $1,039 per year
- Cheapest after a DUI: Esurance, $928 per year
If you improve your drive commemorate over time, you will end up paying lower rates for car insurance. Comparing prices from several insurers will besides help you to secure the best rates in the city if you have a DUI, at-fault accident or speeding ticket .
Cheapest Car Insurance in El Paso With a Violation
Speeding ticket
Average Cost of Car Insurance in El Paso
El Paso
$1,151
Texas
$1,316
U.S.
$1,424
The median annual price of car insurance in El Paso is $ 1,151. This is lower than both the express and national averages. If you are an El Paso nonmigratory, you ’ ll pay about 12.5 % less than the average annual price of car indemnity in Texas, and about 19.2 % less than the home average.
Personalized Quotes to Get You the Cheapest Car Insurance in El Paso
To compute car policy quotes in El Paso, insurers consider multiple elements such as historic period, sex, marital status and make and model of the vehicle. In this city, a GEICO policy for an 18-year-old driver is about two and a half times more expensive than a policy for a 40-year-old driver. Drivers should regularly get a custom-make quote so you can find low-cost coverage .
Compare Car Insurance Rates in El Paso
guarantee you ‘re getting the best rate for your cable car policy. Compare quotes from the top policy companies. widget-location-pin
The Best Car Insurance Companies in El Paso
MoneyGeek used respective factors to determine the overall best car policy providers in El Paso. These factors include affordability, fiscal stability and drug user satisfaction. The acme car policy providers in El Paso balance customer service and affordability. Based on the scores, the best car insurance providers in the city for most drivers are :
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA scored the highest, at 100 out of 100. however, the party only sells policies to former and current military members and their families .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
GEICO
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 3
State Farm
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 4
Auto Club of Southern California Insurance Group
score :
85
5/5 Affordability 2/5 Claims Ratings 3/5
User Satisfaction A+ fiscal stability 5
Allstate
grade :
80
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 6
Progressive
sexual conquest :
80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 7
Nationwide
sexual conquest :
80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9
Liberty Mutual
score :
72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
Your residential vicinity in El Paso besides determines your insurance cost. For exemplar, if you live in the city ’ s most low-cost vicinity for car policy — 79912 — you will pay about $ 50 less in annual car policy costs compared to people living in the 79938 area, which is El Paso ’ s most expensive ZIP code for car coverage .
- Zip Code State Minimum
per year
- 79912
$1,131
- 79924
$1,142
- 79907
$1,144
- 79936
$1,160
- 79938
$1,181
Factors That Impact Insurance Costs in El Paso
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts besides contribute to car insurance rates in El Paso. How El Paso ranks compared to the 300 most populous cities in the United States can have a significant impingement on bounty costs .
Most Accidents With Fatalities
79th
/ 300
Most cable car Thefts
65th
/ 300
Most uninsured Motorists by State
16th
/ 50
personal Injury Protection Required No
Most annual rain
288th
/ 300
Most showery Days
243rd
/ 300
Methodology and Assumptions
MoneyGeek ’ s average premium rates for El Paso are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage character, location and drive record. Learn more about MoneyGeek ’ s data and methodology here. About the author
Mark Fitzpatrick is a aged content director with MoneyGeek specializing in policy. Mark has years of have analyzing the policy commercialize and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a chief of Arts .