El Paso Insurance

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Cheap Car Insurance El Paso

How Age And Gender Affect Your Insurance Rates

Why do age and gender affect 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.

AgeMaleFemale
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

Cheapest Full Coverage Rates In El Paso

RankCompanyAverage Price
1Progressive$128.00
2Bristol West$137.00
3The General$137.00
4Mendota$145.00
5Travelers$149.00
6Dairyland (Viking)$185.00
7Liberty Mutual$194.00
The cheapest full coverage rate we offer in El Paso, is approximately $128 with Progressive. The next cheapest companies are Bristol West Insurance, which is apart 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 rates.

Other Types Of Insurance We Carry In El Paso

Although we specialize in car insurance, we do offer several other types of 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 CoverageOur Top Companies
Boat InsuranceTravelers, Progressive
RV InsuranceProgressive, Travelers
Motorcycle InsuranceDairyland, Progressive
Car InsuranceProgressive, Dairyland,
Commercial Auto InsuranceProgressive
Business InsuranceBTIS, Hiscox
Renters InsuranceASI, Foremost

Sample Insurance Rates In El Paso

Below we have compiled sample rates our insurance agents have provided for our 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: 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
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Top Vehicles We Insure In El Paso

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.

1Toyota
2Chevrolet
3Volvo
4Ford
5Cadillac
6Dodge
7Lexus
8Mazda
9General Motors
10GMC
11Buick
12Jeep

SR22 Insurance Rates In El Paso

SR22 Insurance Rates in El Paso, Texas
Below is amount the amounts company adds to the premium to file the SR22 with the state.
CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available
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.

Insurance Rating Factors In El Paso

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.

FactorRate Impact
Driving recordHigh
How many drivers per vehicles listedmedium
Anual MileageLow
lien holderNone
LocationMedium
Credit historyHigh
How long have you owned the vehicleLow
Type of Vehicle CoverageMedium
Vehicle Make and ModelMedium
AgeHigh

Insurance Discounts Available In El Paso

Impact on ratesDiscounts Available
MildMilitary
MildMarried
HighPaid in Full
HighAuto Pay
Very HighContinuous Insurance
MildMulti Vehicle
MildHomeowners
MildMulti Policy
MildPaperless Discount
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.

Weather And Driving Conditions In El Paso

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

Insurance Discounts By Company In El Paso

ProgressiveDairylandMendota Advantage Auto
No Accidents or ViolationsMilitaryMarried
Paperless DiscountAuto PayContinuous Insurance
Multi VehicleMulti VehicleMulti Vehicle
Advanced QuoteMulti PolicyAuto Pay
MilitaryPaid in FullNo Accidents or Violations
Auto PayContinuous InsurancePaid in Full
Education DiscountHomeownersHomeowners
MarriedNo Accidents or Violations
Multi PolicyMarried
Homeowners
Continuous Insurance
Paid in Full
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.

Cheapest Liability Insurance In El Paso

Below are sample rates our insurance agents have provides customers looking for 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

RankCompanyAverage price
1Dairyland (Viking)$82.00
2The General$99.00
3Progressive$110.00
4Travelers$117.00
5Bristol West$119.00
6Mendota$121.00
7Liberty Mutual$127.00
Additional Helpful Links
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Last Updated on September 1, 2021 by Katie Sopko

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