El Paso, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in El Paso, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in El Paso, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- El Paso, TX Auto Insurance Rates
- El Paso, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in El Paso, TX
- Multi Vehicle Insurance Savings in El Paso, TX
- How Credit Score Affects Car Insurance Rates in El Paso, TX
- How DUI Affects Auto Insurance Premiums in El Paso, TX
- Top Auto Insurance Agents Near El Paso, TX
- How Driving Violations Affect Auto Insurance Rates in El Paso, TX
- El Paso, TX Auto Insurance Discounts on Anti Theft Feature
- El Paso, TX Auto Insurance Company Reviews
El Paso, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in El Paso, TX with that of other cities in and around El Paso.
| El Paso | El Paso Northwest | El Paso County | Westway | Canutillo | Prado Verde | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,317 | $1,950 | $1,838 | $1,856 | $1,848 | $2,110 |
El Paso, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around El Paso, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| El Paso | $1,325 | $1,119 |
| Fort Bliss | $1,319 | $1,114 |
| El Paso Northwest | $1,504 | $1,270 |
| Sunland Park | $1,364 | $1,152 |
| Canutillo | $1,110 | $938 |
| Prado Verde | $1,447 | $1,222 |
| Westway | $1,447 | $1,222 |
| El Paso County | $1,957 | $1,653 |
El Paso, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in El Paso, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,273 |
| 20 Years | $1,692 |
| 30 Years | $1,303 |
| 40 Years | $1,254 |
| 50 Years | $1,161 |
| 60 Years | $1,177 |
| 70 Years | $1,371 |
El Paso, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in El Paso, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,318 | $316 |
| 3 Vehicles | $3,477 | $474 |
| 4 Vehicles | $4,636 | $632 |
Savings on 2 Vehicles bundle:$316
Savings on 3 Vehicles bundle:$474
Savings on 4 Vehicles bundle:$632
El Paso, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around El Paso, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| El Paso | $1,317 | $2,050 |
| Fort Bliss | $1,281 | $1,994 |
| El Paso Northwest | $1,950 | $3,036 |
| Sunland Park | $1,324 | $2,085 |
| Canutillo | $1,848 | $2,877 |
| Prado Verde | $2,110 | $3,285 |
| Westway | $1,856 | $2,889 |
| El Paso County | $1,838 | $2,861 |
El Paso, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,130 |
| Excellent (740-799) | $1,290 |
| Good (670-739) | $1,372 |
| Average (580-669) | $1,790 |
| Poor (300-579) | $2,148 |
El Paso, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Mike Rubio | State Farm | 9861 Dyer St Ste 20, El Paso, 79924-4747 | 915-755-6453 |
| Victor F Nevarez Agency | Nationwide | 9201 Dyer St Ste H, El Paso, 79924-6435 | (915) 759-8051 |
| Adrian Armijo | State Farm | 9627 Sims Dr Ste K, El Paso, 79925-7249 | 915-592-8038 |
| David Barron-Rajme | Farmers | 129 Thunderbird Dr, El Paso, 79912 | (915) 581-3315 |
| David Barron-Rajme | Farmers | 129 Thunderbird Dr, El Paso, 79912 | (915) 581-3315 |
| Misty Dominguez | Farmers | 7500 Viscount Blvd Ste 222, El Paso, 79925 | (915) 313-4741 |
| Patricia Campa | Farmers | 4110 Rio Bravo St Ste 115, El Paso, 79902 | (915) 503-9950 |
| Tom Silverthorn | State Farm | 125 Thunderbird, El Paso, 79912-4563 | 915-581-3379 |
| Hector Aguirre Jr. | Allstate | 6254 Edgemere Blvd, El Paso, 79925 | (915) 779-0300 |
| Sandra Serna | State Farm | 10965 Ben Crenshaw Dr Bldg 3D, El Paso, 79935-3021 | 915-591-0727 |
El Paso, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$58 | $1,375 |
| Driver's Failure In Showing Documents | +$128 | $1,445 |
| Driving With An Expired Registration | +$136 | $1,453 |
| Driving At A Considerably Slow Pace | +$286 | $1,603 |
| Using A Cellphone While Driving | +$302 | $1,619 |
| Running A Red Light | +$307 | $1,624 |
| Speeding | +$323 | $1,640 |
| Driving A Vehicle Without The Required Permission | +$410 | $1,727 |
| Driving With An Expired/Suspended License | +$888 | $2,205 |
El Paso, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,264 |
| Active Disabling Device | $1,264 |
| Tracking Device | $1,238 |
| Passive Disabling Device | $1,225 |
Latest Auto Insurance Reviews in El Paso, TX | Back to Top
UsaaI would recommend them to anyone who is able to take advantage of them. Of course there is a requirement of military service, but if you are able to use them, do it.
UsaaI am satisfied with my car insurance company's customer service. Each interaction that I have had with my car insurance company has been pleasant. The hours of availability are convenient for me.
AllstateOur car insurance is through the same person as our home, again the customer service from our agent is very good and she explains everything very clearly in regards to our policy.
Farmer's InsuranceI would recommend this company to others. Rates are good . they are friendly. If you have a claim. They get right on it fast. No long Tim of waiting.
State FarmI would rate them a 5. They always try to work with us on all of the issues that we have. Whenever we file a claim, they handle it quickly and without any issues.
TravelersI would recommend this company for auto insurance because it is affordable and the coverage is extremely similar to other insurance companies.
Liberty MutualMy experience with our car insurance company's customer service is fine. They do what as asked. I just despise the automated prompter. I feel that could be designed better for ones needs. faster connection to a human, less information gathered at first.
Liberty MutualMy experience with our car insurance company's customer service is fine. They do what as asked. I just despise the automated prompter. I feel that could be designed better for ones needs. faster connection to a human, less information gathered at first.
UsaaI feel as though we have a higher premium compoared to other companies. However we have great customer service and lots of ease when filing claims and recieving benefits. So I feel as though we get what we pay for,.
Progressivethey are super friendly, always polite and always there. Progressive has been very affordable. Progressive has always been helpful with me especially because I have very little experience with insurance.
Liberty MutualI like Liberty Mutual insurance because they have been around for a while. I never hear of any complaints about the company. They are easy to get in touch with and you get to talk to a live human or if you email you get an extremely quick reply.
GeicoSince umbrella insurance is typically something that you have to purchase from your auto insurance company, I will list this as something I disliked: Their umbrella policies are too expensive. I wish they were more competitive with other companies.
GeicoI like that it is simple and they never call me, I only call them if I need them, which is not very often. When I do call I always get someone helpful that I feel can understand me and is intelligent.
ProgressiveAlthough the service is fast and efficient, getting a hold of my personal agent at times is very difficult. I don't like dealing with random people who happen to answer the phone. I want personalized service from someone LOCAL. This is the one area I feel they could improve.
The HartfordI have yet to be dissatisfied because thankfully I havent needed to use my policy, however, I have heard when making claims, this is not the company you want to be with because they're extremely difficult so I can't really say just yet.
GeicoI only carry bare minimum to be legal and Geico is as good as any other for that purpose
GeicoI enjoy the fact that I always speak to a human when I have issues, not a bot or compouter chat. Agents have show genuine concern for me when I file claims and they show interest in fair, speedy compensation.
AaaAAA has offices throughout the area that I can visit in person in addition to being able to access most services online during after hours.