Who Has the Cheapest Car Insurance Rates in El Paso?

El Paso, located at the far-west edge of Texas, is a city of 681,728 residents, making it one of the larger cities in the US. The city borders Juarez, Mexico, with the Rio Grande laying directly between the two, separating the US from Mexico. Las Cruces, New Mexico is also considered to be a part of this area, called a border metroplex. In 2018, El Paso experienced 1,641 car thefts. This gave the city the rank of #182 at a rate of 194.17 thefts per capita.

Because El Paso is so close to the US-Mexico border—literally minutes away—it’s an easy task for someone to drive a stolen vehicle from El Paso to any one of the border crossings, such as Bridge of the Americas, the Zaragosa bridge crossing, or even to the Santa Teresa crossing, just over the border with New Mexico. If this happens, the victim of a car theft may not see their car again. Instead, it will be driven to the interior of Mexico, where it will be sold. This means vehicle insurance rates due to theft ware likely to increase.

Interstate 10 goes straight through El Paso from west to east. In fact, it’s easier to get from one place to another using I-10 rather than using the streets in between. Even so, the mean travel time to get from home to work is 22.8 minutes, which is quite good considering that the state average is 26.1 minutes.

What is Required for El Paso Drivers?

Because El Paso is a larger border city, insurance companies may require you to buy more coverage for your vehicle. Thefts are one reason; in addition, El Paso has a longstanding problem with drunk driving. If impaired drivers get behind the wheel, the drivers they hit may either be seriously injured or die, and it’s all too common to hear about intoxicated drivers colliding into homes.

While El Paso isn’t likely to experience hurricanes, it does experience strong, damaging winds. If a strong windstorm leads to a tree branch breaking off a tree or a diseased tree is uprooted, they can and do fall on and damage cars. Hailstorms during summer monsoon seasons also do damage to vehicles.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in El Paso by Insurer

In Texas, you are required to purchase and hold vehicle insurance. There are many insurance companies with a presence in El Paso. By communicating with each company about your needs and the kind of vehicle you drive, you’ll be able to find a plan fitting your needs.

Are you looking for the best cheap car insurance, check out this guide.

Low Cost Auto Insurance for Bad Credit in El Paso

If your credit isn’t good, you’ll still need to and be able to buy insurance. Because it’s mandatory, you won’t be able to get around this. By speaking to one of several insurance companies, you’ll be able to find an annual premium ranging from $2,966 up to $4,001. Make sure you find a company that specializes in providing acceptable car insurance for those with less than stellar credit to get the best deal possible.

Learn how your credit score determines your car insurance premiums.

What is the Difference Between Full Coverage and Liability?

What is Liability-Only?

Liability-only coverage is the cheapest option for automobile insurance. This coverage level only covers vehicles that are not at fault in an accident. Thus, if you carry liability-only coverage and cause an accident, the other driver will be covered by your policy. Any damage done to your car must be covered out of pocket, if at all.

What Full Coverage Covers

Liability-only insurance is the least amount of insurance that one can purchase. This satisfies your legal requirement to drive and register your vehicle in {location-state}. For many people, this is not sufficient coverage because it does not cover their losses if they are at fault and do damage to their own vehicle or if they sustain damages in a hit-and-run or from an uninsured driver.

Collision covers when one is at fault and their own vehicle is damaged. If you have a car that is worth more than a few thousand dollars, it is often a wise investment to buy collision insurance each year. However, collision insurance coverage is pricey and will increase your insurance cost per year quite drastically.

Comprehensive covers those oddball things that happen that you cannot control, like damaged windshields and collision with animals on the road. It also covers your loss when someone purposely damages your vehicle in an act of vandalism. In addition, comprehensive covers theft of your vehicle, fire and weather, or acts of nature. An example of the latter would be if your car was crushed under a tree that fell in a wind storm.

Key Differences Between Full Coverage and Liability Only

Liability coverage kicks in when you back up and hit a kid on a skateboard you did not see. It will also pay for a gate you run into and damage.

Collision insurance pays out when you back into a large rock at a campground, denting your pickup’s tailgate. It will pay to get the tailgate repaired.

Comprehensive coverage will pay for the repair costs when something flies out of the back of a semi-truck and you end up with a cracked windshield.

Average Annual Car Insurance Rates in Texas by City

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Utilize These Auto Insurance Discounts to Get a Lower Rate

There are many ways that you can save on auto insurance in El Paso:

  • Shop around:

    It could not be clearer. The smallest difference in our driver demographics between the most expensive and the bargain insurance rate was over $1,100 yearly. It is a good idea to shop around yearly, especially if your policy rate goes up, since insurance carriers can change their rates whenever they feel it’s necessary.

  • Avoid accidents and moving violations:

    These will increase your rate, sometimes substantially.

  • If you have an accident or moving violation:

    It is often a good idea to spend a little bit of money now and attend traffic school, rather than have these violations stay on your driving record for years.

  • Insure your home and car with the same company:

    If you can insure your home or apartment and your vehicles with the same insurance carrier, you can also save money, as there is often a discount for bundling multiple services.

  • Look for discounts :

    Often, there are good driver rates for those with no moving violations or student driver rates. Sometimes, your insurance agent will not tell you about these discounts, but you can find them online.

  • Rates are influenced by the type of vehicle :

    Insurance rates are much higher if you carry full liability and have a vehicle you are paying off. Sometimes it is best to buy a new car and just maintain it thoroughly. Eventually, you will have no car payment, and you can eventually drop the collision insurance. When cars get to a certain age, you will not receive enough back from the insurance company if your car is totaled in an accident to justify buying the collision insurance each year.

Not sure which discounts you may qualify for, consult this guide to learn more.

Here are Some of the Typical Factors that Affect Your El Paso Car Insurance Premiums

Because of the traffic issues in the area, “State” car insurance rates can be quite high based on the area you live in. The risk factors are higher where there is more traffic, so the area is one important factor in your auto insurance rates. As we have seen, other factors that affect your car insurance rate include your age, marital status, how many cars and drivers you have in your household, your driving record, what type of coverage you need, the age and type of your vehicle, the insurance agency, and the average mileage you drive each year. These factors can make huge differences in how much money you have to spend each year on automobile insurance.

Since insurance rates can fluctuate from company to company, it is important that drivers thoroughly educate themselves about automobile insurance and shop around in order to find the very best deal. You literally can save a thousand or more dollars per year by getting quotes from several carriers.

Find the best insurance rates with tickets and accidents using this guide.

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