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By: Shravya Reddy October, 07, 2019

Located in western Texas, El Paso is considered to be one of the safest cities in the state. In research done by Gavop, El Paso is reported to have an average car insurance premium of $1254. By comparing car insurance quotes and reviews, residents in El Paso can save $500 per annum. Although not as expensive as neighboring Canutillo, TX, where drivers pay $2120 in premiums per year, El Paso drivers can pay as high as $1573. Based on various factors including but not limited to, age, gender, driving history, zip code, marital status and car model, insurers determine the cost of car insurance.

In El Paso, insurers deem the number of miles driven as equally important to the factors listed above while calculating insurance rates. The make and model of the car, safety features, theft rate, and repair cost also play a vital role. A BMW driver is expected to shell out more in car insurance premiums than say a Honda because of the huge sticker tag. Along with that, high-end cars are deemed to have a higher cost of repair and damage susceptibility than the other cheaper auto segments. Using data collected for Texas, a Honda CR-V driver would pay $1200 in average car insurance annually while a BMW 650i driver would pay $3600. Convertibles like the BMW 650i tend to cost more to insure because they are prone to theft and vandalism as compared to a regular sedan.

A recent survey shows 8% of the total population in El Paso comprises teenagers, amongst which 51% are male and 49% female. El Paso teenagers pay $2608 in car insurance, $605 more than the state average. Although, at $464, the cost difference between male and female teenage drivers can be quite steep. For example, a male teenager driving a 2011 Lincoln MKZ would have a car insurance payment of $2989, whereas a female teenager driving a 2012 Dodge Journey would pay $2278 for similar coverage. With median insurance of $2332 in El Paso, post-DUI rates are considerably expensive for teenagers. In El Paso, a male teenager post-DUI with a 2008 Chrysler would pay $5040 in insurance while a female teenager post-DUI would pay $4222.

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Most insurers today offer discounts and incentives for safe drivers and drivers that reflect responsible choices. The other ways of saving on premiums are by availing discounts offered on multiple vehicles. While 35% of El Paso residents own a single vehicle, 37% own two vehicles, and 14% own three. For drivers looking to insure three cars in El Paso, it would cost $3627, whereas it would cost $2383 for insuring two cars and $4891 for four vehicles.


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Shravya Reddy

Shravya Reddy is a writer, public relations associate and content producer. She has worked in the corporate space on various mediums of print media as well as digital media. As a journalist, she has covered a range of topics including real estate, architecture, design, and technology. She has contributed to various online publications as a copywriter and copy editor. Shravya has done her BA in Journalism, Film & Media from Cardiff University. In her spare time, she enjoys traveling, exploring new cuisines and culture and wildlife.