Find Car Insurance in El Paso, TX

What You Should Know About Car Insurance in El Paso, Texas

Spanish for “the pass,” El Paso is the most populous city in West Texas. The city rests on the banks of the Rio Grande across the river from Ciudad Juarez, the largest city in Northern Mexico. The city had a population of more than 679,000 as of the year 2020.

The city is home to major publicly traded companies like Marathon Petroleum as well as the public University of Texas at El Paso. The federal government has a strong presence in the city, with Biggs Army Airfield, the William Beaumont Army Medical Center, and Fort Bliss in the area.

If you live in El Paso, now is the time to make certain you have the right auto coverage. You need a policy that will protect you in case of an accident. With the help of InsureOne, you can secure an auto insurance policy that shields you from claims made by other drivers after an accident.

How Much Does Car Insurance Cost in El Paso, Texas?

In El Paso, the cost of your car insurance depends on the extent of your coverage. You have the option to purchase the minimum required amount of liability insurance, but there are more comprehensive options to consider as well.

In Texas, drivers pay an average of $2,296 each year for full coverage. The annual cost of liability-only policies is roughly $1,434. The cost of auto insurance in El Paso is a little higher than the state average. Liability-only policies will run about $1,522 each year, and full coverage costs $2,412.

These amounts are not far from the national average. For full coverage, Texas residents can expect to pay less than the national average of $2,314. However, they often pay more than the cost of minimum mandatory liability coverage of $644 nationally.

At InsureOne, we can help you find options for liability insurance that meet your needs. Our agents can also offer policies from multiple carriers to find a plan that fits your budget.

What Does It Mean If Texas Is an At-Fault State?

El Paso is located in Texas, which is an at-fault state for insurance purposes. This means that when a driver is involved in an accident, they have the opportunity to file a personal injury lawsuit against the person responsible for the crash. If they are successful, they could be entitled to an array of damages paid by the responsible party.

A few states take a different, “no-fault” approach to auto insurance. In these states, your first option is always to file a claim with your own carrier — even if someone else was at fault. The downside is that this coverage will not pay for all your losses, including your pain and suffering and some of your lost wages. There are ways to avoid the no-fault system in those states when your injuries are severe.

Car Insurance Rates Comparison by City in Texas

Below is a comparison of the average monthly premiums paid in various cities across Texas.

City	Full Coverage Insurance	Liability Insurance Coverage
El Paso	$201	$126
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in El Paso?

Another easy way to save money on your car insurance is by taking advantage of every possible discount. Some of the most popular options include the following:

• Paperless Discount
• Good Student Discount
• Low Mileage Discount
• Safe Driver Discount
• Military Discount
• Loyalty Discount

Notable Car Insurance Laws in El Paso

Texas law mandates that all drivers have a minimum level of liability insurance coverage. Failure to comply with this requirement will lead to costly fines.

What Are the Mandatory Car Insurance Requirements in El Paso?

In Texas, you must have a certain dollar amount of liability insurance coverage for both bodily injuries and property damage. These requirements include the following:

• $30,000 for bodily injuries per person
• $60,000 for bodily injuries per accident
• $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in El Paso?

It is against the law in Texas to drive without auto coverage. If you are convicted of this offense, you could face a fine of as much as $350. That amount only goes up with multiple convictions on your record, as second or subsequent offenses carry up to $1,000 in fines. There is no risk of incarceration for this offense.

The expert agents at InsureOne can assist you in finding a policy that meets your needs and complies with state law.

Do El Paso-Specific Laws Play a Role in Determining Your Insurance Premiums?

There are no laws at the city level that have any impact on the cost of your insurance coverage. However, many other factors combine to determine what you will ultimately pay each month. Some examples include the following:

• Your age. Teenagers and motorists in their 80s will usually pay more than everyone else.
• Your education. The higher your education level, the lower your bill.
• Accident history. You can count on paying more if you have a history of accidents or tickets.

Auto Insurance Rates for Young Drivers vs. Old People in Texas

It is no secret that younger drivers typically face the highest insurance costs of anyone. Teenagers can see premiums that are two or three times higher than motorists in their 40s. This is because teenagers are more likely to get into an accident due to their lack of experience.

While the cost of insurance generally starts to drop as drivers reach their late 20s, it can eventually go up again. Motorists in their 70s and 80s usually pay more than anyone else outside of teenagers.

How Many Car Accidents Happen in El Paso Per Year?

There were a total of 15,876 vehicle accidents in El Paso in 2023. Here is a comparison of annual El Paso fatal accidents to other cities in Texas in 2023.

City	Annual Average Number of Fatal Car Crashes
El Paso	74
Dallas	196
Allen	2
Abilene	7
Austin	88

 

How Many Uninsured/Underinsured Motorists Are in El Paso?

The state of Texas has a large number of uninsured and underinsured drivers. According to the Texas Department of Motor Vehicles, 20% of all motorists in the state do not have liability insurance. Even more, motorists are underinsured, which means they have coverage but not enough to pay for an accident in full. This is much higher than the national average.