Who Has The Cheapest Auto Insurance Quotes in El Paso, TX?

Cheapest auto insurance in El Paso: Fred Loya

Minimum coverage car indemnity from Fred Loya Insurance costs precisely $ 30 per month, therefore El Paso drivers should start their search there. It ‘s worth getting quotes from State Farm as well ; minimum coverage costs precisely $ 15 more a calendar month, and the company has a hard customer serve reputation. The average cost of minimal coverage in El Paso is $ 70 per month. Given how low-cost minimum coverage is, many drivers choose it over full coverage. Be aware, however, that full coverage pays for repairs to your own car. minimum coverage does not.

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Cheapest full coverage car insurance in El Paso: Fred Loya

Fred Loya Insurance besides has the cheapest rates for full moon coverage insurance. The El Paso city average is $ 2,591, but Fred Loya ‘s average quotation is $ 1,805 cheaper, at just $ 786 per year. however, Fred Loya ‘s customer service reputation leaves a lot to be desired. If a painless claim experience is significant to you, we ‘d recommend getting quotes from State Farm and Geico. Both of these companies have a better customer service reputation than Fred Loya and charge lower-than-average rates for premiums .

Full coverage includes liability coverage, which pays for any damages you might cause to another driver ‘s person or property, adenine well as collision and comprehensive coverage .

• Comprehensive coverage: Pays for damage that results from “acts of God
• Collision coverage: Collision coverage pays for repairs to your own car after you collide with another car or a stationary object.

Cheap car insurance for drivers with prior incidents

El Paso drivers with an accident, speeding tag or DUI on their phonograph record normally pay higher rates than those with a clean read. A depleted credit sexual conquest can besides raise your rates. policy companies set rates based on the hazard that drivers pose. Poor credit and incidents on your record are viewed as signs of increased risk .
ValuePenguin gathered thousands of quotes across El Paso and identified the cheapest insurers for drivers who have :

Cheapest car insurance in El Paso after an accident: Fred Loya

Fred Loya Insurance has the cheapest rates for El Paso drivers after an at-fault accident, raising rates from $ 786 to $ 971 for full coverage. That ‘s 76 % cheaper than the median cost of indemnity after an accident in El Paso, which is $ 4,060 per year. At-fault accidents raise the cost of indemnity by 57 % — more than a speed ticket ( 7 % ) but less than a DUI ( 70 % ) .

Cheapest car insurance for people with a speeding ticket: Fred Loya

If you ‘re an El Paso driver caught speeding on the roads, your rates will probable go up. We found that policy quotes are $ 187 more expensive for full coverage after a rush ticket .
however, Fred Loya Insurance and State Farm stand out because they did not raise rates after a inaugural accelerate ticket for our sample driver. handily, Fred Loya and State Farm are besides the most low-cost insurers for drivers after a speed ticket. Fred Loya ‘s rates are 72 % cheaper than average, and State Farm ‘s rates are 53 % cheaper than average .

Cheapest car insurance for drivers with a DUI: Fred Loya

A citation for driving under the charm is the most expensive of the incidents in our study. average rates for full coverage in El Paso increase by $ 1,804 after a DUI .
Fred Loya Insurance and State Farm are the two most low-cost insurers for drivers with a DUI on their record. Fred Loya only raises rates by $ 461, from $ 786 to $ 1,247, and State Farm alone raises rates by $ 641, from $ 1,311 to $ 1,952. With the exception of USAA, all the other insurers in our study raise rates by more than $ 1,000 after a DUI .

Cheapest car insurance for drivers with poor credit: Fred Loya

Insurers frequently factor your credit grudge into your rates. El Paso drivers with very good credit give barely $ 1,646 per year, whereas drivers with average credit rating pay $ 2,142 per year and drivers with poor people credit pay $ 3,242 .
Fred Loya Insurance is the exception to this general rule. We found that the company charges the lapp pace regardless of your credit score : $ 786 per class for full coverage. If you ‘ve recently had a dip in your credit score and are looking for low-cost full moon coverage, get a quote from Fred Loya .

Cheapest car insurance for married drivers: Fred Loya

If you ‘re a marry driver in El Paso, we recommend that you get quotes from Fred Loya Insurance, State Farm and Geico. together, these companies charge 42 % less than the city average for marry couples, which is $ 2,369 per year .

Cheapest car insurance for young drivers: Fred Loya

Rates for unseasoned drivers in El Paso are 159 % more expensive than they are for adult drivers .
unseasoned drivers should get quotes from Fred Loya Insurance, State Farm and Geico. These companies have the best rates for adolescent car indemnity, charging 52 %, 43 % and 36 % less than the city modal, which is $ 6,721 .

Always be sure to get multiple quotes when shopping for insurance, and always be sure to ask for discounts. MetLife charged our sample 18-year-old driver $ 16,132 per year for fully coverage. That ‘s more than four times a expensive as Fred Loya, the cheapest insurance company in our study — a remainder of $ 12,924 .
Another strategy is to stay on your parents ‘ car insurance if at all potential. ValuePenguin found that it’s half as expensive to add a teen to a policy than it is for them to take out their own .

Best auto insurance companies in El Paso, Texas

ValuePenguin surveyed customers of major national car insurers, asking how satisfy they were with their most recent claim experience. Of the nine insurers in our Texas study, USAA, Nationwide and State Farm had the highest percentage of customers saying they were “ extremely quenched ” with their most late title .
For more details about how the insurers in our cogitation compare to each other, take a spirit at our Texas car insurance report .

Average car insurance cost in El Paso, by ZIP code

We reviewed car policy quotes in ZIP codes across El Paso and found that residents of ZIP code 79932 pay the least for full coverage car policy, at $ 2,515 per year on average. Residents of ZIP code 79906 pay up the most, at $ 2,669 per year on average .
Rates vary by ZIP code because insurers factor in local anesthetic patterns like crime rates and traffic when setting premiums .

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Auto theft statistics in El Paso

ValuePenguin analyzed 2019 FBI crime data and found that El Paso had the 10th-highest rate of car policy larceny. approximately 1.2 cars were stolen for every 1,000 El Paso residents .

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Methodology

This ValuePenguin learn used pace data from nine of the largest insurers in Texas. Rates reflect full coverage policies unless otherwise noted. Our sample driver is 30 years old, drives a 2015 Honda Civic EX and has an average credit score. We gave him the following coverages :

ValuePenguin ‘s analysis used insurance pace data from Quadrant Information Services. These rates were publicly sourced from insurance company filings. They are intended for comparative purposes only, since your own quotes may be different .