- El Paso, Texas Insurance
- How Age And Gender Affect Your El Paso Texas Insurance Rates
- Cheapest Full Coverage Insurance In El Paso
- Other Types Of Insurance We Carry In El Paso, TX
- Sample Insurance Rates in El Paso, TX
- Texas SR-22 Insurance for El Paso and surrounding Areas
- Drivers Rating Factors when considering insurance in El Paso, TX
- El Paso Insurance: Discounts
- Weather And Driving Conditions In El Paso, Texas: How do they impact your insurance rates?
- El Paso Texas Insurance Discounts By Company
- Cheapest Liability Insurance In El Paso
- El Paso Texas Insurance – Rating Factors
- FAQ
- How much is insurance in El Paso?
- Who is the cheapest insurance company in Texas?
- What is the best insurance to have in Texas?
- INSURANCE SERVICES WE OFFER
- El Paso Insurance Article
How Age And Gender Affect Your El Paso Texas Insurance Rates
Why do age and gender affect El Paso insurance rates? Statistically, younger drivers get into more accidents. Young female drivers tend to have small fender benders, whereas young male drivers do a lot of damage. Insurance companies pay out on these claims, which makes the rates higher for this age group. Experienced drivers in their 30-50s receive the cheapest insurance rates.
| Age | Male | Female |
|---|---|---|
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Insurance rates are impacted by many things, here at A Plus Insurance we not only aim to get you a great El Paso, Texas Insurance, we also aim to educate on the insurance process.
Cheapest Full Coverage Insurance In El Paso
The cheapest full coverage rate we offer for El Paso Insurance, is approximately $128 with Progressive. The next cheapest companies are Bristol West Insurance, which is a part of Farmers, and The General. Rates do depend on the type of vehicle, selection of coverages, and the individual. An experienced driver with a clean driving record and good credit history will experience the cheapest full coverage insurance in El Paso Texas.
| Rank | Company | Average Price |
|---|---|---|
| 1 | Progressive | $128.00 |
| 2 | Bristol West | $137.00 |
| 3 | The General | $137.00 |
| 4 | Mendota | $145.00 |
| 5 | Travelers | $149.00 |
| 6 | Dairyland (Viking) | $185.00 |
| 7 | Liberty Mutual | $194.00 |
Other Types Of Insurance We Carry In El Paso, TX
Although we specialize in car insurance, we do offer several other types of El Paso insurance coverage to cater to a wide array of customers. We offer boat insurance and RV Insurance with Travelers or Progressive to choose from. We also offer Motorcycle, commercial auto, renters, home and business insurance. Progressive is very competitive and offers several lines of insurance. Some of the other companies only specialize in one type.
| Type of Coverage | Our Top Companies |
|---|---|
| Boat Insurance | Travelers, Progressive |
| RV Insurance | Progressive, Travelers |
| Motorcycle Insurance | Dairyland, Progressive |
| Car Insurance | Progressive, Dairyland, |
| Commercial Auto Insurance | Progressive |
| Business Insurance | BTIS, Hiscox |
| Renters Insurance | ASI, Foremost |
Sample Insurance Rates in El Paso, TX
Below we have compiled sample rates our insurance agents have provided for our El Paso TX Insurance customers. One particular customer switched from Geico, they were needing to carry an SR-22 with some driving history. They were looking to insure a Mercedes with liability, their rate was $304. Considering the customers driving history, and the type of vehicle we were able to save them money.
| Sample Rates in El Paso, Texas |
|---|
| Sample Quote / Policy Location: Highlands Ranch Agent: Sy Current Company: Mendota Previous Company: Geico Who: Insured Age: 50 Vehicle: Mercedes-Benz SL-Class Type of Coverage: Non Owners, Med Pay Notes: Insurance Card, State Filing Rate: $304 |
| Sample Quote / Policy Location: Highlands Ranch Agent :Sy Current Company: The General Previous Company: Nationwide Who: Client Age: 56 Vehicle: GMC 2500 HD Extended Cab Type of Coverage: Liability Only , SR22 Notes: Vehicle, Young Driver Rate: $190 |
| Sample Quote / Policy Location: Highlands Ranch Agent: Jola Current Company: Liberty Mutual Previous Company: Who: Driver Age: 32 Vehicle: Chevrolet Silverado 2500 HD Regular Cab Type of Coverage: Non Owners, Med Pay Notes: Vehicle, ID Cards Rate: $302 |
| Sample Quote / Policy Location: Highlands Ranch Agent: Sy Current Company: Progressive Previous Company: Safeco Who: Client Age: 25 Vehicle: Chevrolet Avalanche 1500 Type of Coverage: Non Owners, Uninsured Motorist Notes: Accidents, Uninsured Rate: $269 |
| Sample Quote / Policy Location: Highlands Ranch Agent :Jola Current Company: Dairyland Previous Company: Bristol West Who: Resident Age: 35 Vehicle: Toyota Regular Cab Type of Coverage: Full Coverage, State Min Notes: Policies, By Phone Rate: $227 |
| Sample Quote / Policy Location: Highlands Ranch Agent: Jola Current Company: Dairyland Previous Company: Foremost Who: Female Age: 18 Vehicle: GMC Sierra 2500 Regular Cab Type of Coverage: Full Coverage, State Min Notes: Vehicle, Automobile Rate: $254 |
The Ride Matters
El Paso’s Top Vehicles Insured
The top vehicles we insure in El Paso are listed below. Toyota is the number one vehicle, most likely because of its reliability and vast array of models available. Toyotas are great for daily drivers and weekend getaways. Ranked last on the list is the Jeep, possibly because of its safety features along with the price. Insurance on a new Jeep is typically high, depending on the model.
| Rank | Vehicle Make |
|---|---|
| 1 | Toyota |
| 2 | Chevrolet |
| 3 | Volvo |
| 4 | Ford |
| 5 | Cadillac |
| 6 | Dodge |
| 7 | Lexus |
| 8 | Mazda |
| 9 | General Motors |
| 10 | GMC |
| 11 | Buick |
| 12 | Jeep |
Texas SR-22 Insurance for El Paso and surrounding Areas
SR-22 is an attachment we can put onto an existing policy, or new business policy. Usually, a standard one-time fee of $25 is applied to your policy premium, but that does vary depending on the company. Dairyland Insurance specializes in this type of insurance, and does not charge a fee for the filing. Other companies charge more than $35 or they may not offer the filing at all.
Below is amount the amounts company adds to the premium to file the SR22 with the state.
| Company | Average (SR22 Fee) |
|---|---|
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gains Co | $25 |
| Mendota | $25 |
| Progressive | 5% (Average) |
| State Farm | SR22 Not Available |
| The General | $25 |
| Travelers | SR22 Not Available |
Drivers Rating Factors when considering insurance in El Paso, TX
Auto Insurance companies use rating factors to assess the risk of their potential customers. A person that is a high risk may be denied coverage, or have higher rates than a low-risk customer. The rating factors with a high impact include, your driving history and age. Lower rating factors are also used to determine the rates, like annual mileage, and length of ownership of the vehicle.
| Factor | Rate Impact |
|---|---|
| Driving Record | High |
| How Many Drivers Per Vehicles Listed | Medium |
| Anual Mileage | Low |
| Lienholder | None |
| Location | Medium |
| Credit History | High |
| How Long Have You Owned the Vehicle | Low |
| Type of Vehicle Coverage | Medium |
| Vehicle Make and Model | Medium |
| Age | High |
El Paso Insurance: Discounts
Discounts vary with the Insurance provider, but some discounts are common to all companies. A well-known discount is Auto Pay, which you would have your future payments deducted from your card or bank account each month. Some smaller discounts include, multiple vehicle discount, paperless discount, and homeowner’s discount. Ask your agent which discounts you are receiving when analyzing your Texas Insurance policy.
| Impact on Rates | Discounts Available |
|---|---|
| Mild | Military |
| Mild | Married |
| High | Paid in Full |
| High | Auto Pay |
| Very High | Continuous Insurance |
| Mild | Multi Vehicle |
| Mild | Homeowners |
| Mild | Multi Policy |
| Mild | Paperless Discount |
Weather And Driving Conditions In El Paso, Texas: How do they impact your insurance rates?
When driving in different, or not ideal weather conditions – it is important to take extra caution and leave room between yourself and the other vehicle. Consider leaving your house 10 minutes early to ensure you are able to drive safely and still make it on time. Some vehicles have weather related safety features like traction control, etc.
| El Paso, Texas |
|---|
| Summer High: The July high is around 95 degrees |
| Winter Low: The January low is 31 degrees |
| Rain: 10 Inches of rain a year |
| Snow: 3 inches of snow per year |
El Paso Texas Insurance Discounts By Company
Everyone loves discounts, especially on their car insurance. With a few discounts applied, you can end up saving $100s of dollars over your insurance term. Most commonly offered is paperless discount, auto pay and paid in full discount. Other discounts offered are continuous insurance and no accidents/violations. Progressive offers all of the discounts listed above, they also offer a Military Discount.
| Progressive | Dairyland | Mendota / Advantage Auto |
|---|---|---|
| No Accidents or Violations | Military | Married |
| Paperless Discount | Auto Pay | Continuous Insurance |
| Multi Vehicle | Multi Vehicle | Multi Vehicle |
| Advanced Quote | Multi Policy | Auto Pay |
| Military | Paid in Full | No Accidents or Violations |
| Auto Pay | Continuous Insurance | Paid in Full |
| Education Discount | Homeowners | Homeowners |
| Married | No Accidents or Violations | |
| Multi Policy | Married | |
| Homeowners | ||
| Continuous Insurance | ||
| Paid in Full |
Cheapest Liability Insurance In El Paso
Below are sample rates our insurance agents have provides customers looking for Texas liability insurance. The cheapest company, on average, for liability is Dairyland Insurance. They average roughly $82 a month for state minimum requirements. The costliest insurance provider is Liberty Mutual, approximately $127 a month for the same coverage. It is important to check several companies to see which is the cheapest for you
| Rank | Company | Average Price |
|---|---|---|
| 1 | Dairyland (Viking) | $82.00 |
| 2 | The General | $99.00 |
| 3 | Progressive | $110.00 |
| 4 | Travelers | $117.00 |
| 5 | Bristol West | $119.00 |
| 6 | Mendota | $121.00 |
| 7 | Liberty Mutual | $127.00 |
El Paso Texas Insurance – Rating Factors
While the specific weighting of these factors may vary between insurance companies, common rating factors used in El Paso, Texas, include:
- Driving Record: Your driving history is a significant factor in determining your auto insurance rates. Insurance companies consider factors such as accidents, traffic violations, DUI convictions, and the length of your driving experience.
- Age, Gender, and Marital Status: Statistically, younger and less experienced drivers tend to have higher accident rates, so age is often a significant factor in determining premiums. Additionally, gender and marital status can also impact rates, with married individuals and women often receiving lower premiums.
- Vehicle Type and Usage: The make, model, and year of your vehicle, as well as its safety features and value, can influence your insurance rates. Additionally, how you use your vehicle (e.g., commuting, pleasure, business) can also affect premiums.
- Location: Where you live and where your vehicle is primarily parked can impact your insurance rates. Urban areas with higher population densities and higher rates of accidents or vehicle thefts may result in higher premiums compared to rural areas.
- Credit History: In Texas, insurance companies may use credit-based insurance scores to determine premiums. Maintaining a good credit score can help lower your insurance rates, as individuals with higher credit scores are perceived as lower-risk policyholders.
- Coverage and Deductibles: The types and amounts of coverage you choose, as well as the deductibles you select, can impact your insurance premiums. Opting for higher coverage limits and lower deductibles typically results in higher premiums, while lower coverage limits and higher deductibles can lead to lower premiums.
- Prior Insurance Coverage: Insurance companies may consider whether you have had continuous coverage in the past and any gaps in your insurance history when calculating premiums. Maintaining continuous coverage without lapses can sometimes result in lower rates.
- Discounts and Loyalty Programs: Insurance companies offer various discounts to help drivers save on their premiums. These discounts may include multi-policy discounts, safe driver discounts, multi-car discounts, homeowner discounts, and discounts for using telematics programs like Snapshot® to track driving habits.
FAQ
How much is insurance in El Paso?
The cost of insurance in El Paso varies based on the type of insurance, individual circumstances, and coverage levels. For auto insurance, factors like your driving history, vehicle type, and coverage options play a significant role. Home and other types of insurance also depend on various factors. It’s best to get a personalized quote for accurate pricing.
Who is the cheapest insurance company in Texas?
The cheapest insurance company in Texas can vary depending on your specific needs and profile. Companies like GEICO, State Farm, and Progressive are often competitive in terms of pricing. However, the best way to find the most affordable option is to compare quotes from multiple providers based on your specific requirements.
What is the best insurance to have in Texas?
The best insurance to have in Texas depends on your individual needs. For auto insurance, a policy that offers comprehensive coverage including liability, collision, and uninsured motorist coverage is often recommended. For homeowners, a policy that covers common risks in Texas, such as weather-related damages, is advisable. It’s important to assess your specific needs and risks to determine the best insurance for you.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Marlon Moss