El Paso Car Insurance

Your 2017 Guide to Buying El Paso, TX Car Insurance

Roadways I-10, FM 659, and FM 1281 in the El Paso metropolitan area are included in the Texas Department of Transportation’s list of the 100 most congested highways in the state. As a resident of this large and busy west Texas city, you experience a variety of risks each time you drive your car. Make sure you have the right El Paso, TX car insurance to protect your family and your investment in your vehicle.

Independent agents in the Trusted Choice® network have a number of insurance options at their fingertips for drivers. You can contact a local independent agent for coverage advice, competitive El Paso auto insurance quotes, and assistance with any other insurance needs. Unlike a captive agent who only represents one company, these agents can help you compare plans from multiple insurers. Find a Trusted Choice member agent today.

Texas Car Insurance Costs

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

While El Paso car insurance rates are generally higher than the national average, it's a good idea to shop around for the best rates. The rates you are quoted will depend on a variety of factors unique to you. If you drive on congested freeways and highways every day for business, you may be at greater risk than a vehicle owner who only uses a car for an occasional shopping trip or to travel to an El Paso Diablos game. Other factors, like claims history, driving record, and age, may also have an effect on your rates.

Texas Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

Like most states, Texas requires liability insurance coverage for all motor vehicle operators. Failure to carry the required coverage in Texas carries penalties. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

Texas Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

Texas has a new program called Texas Sure that aims to crack down on uninsured drivers. It is not possible to renew registration or car inspection stickers without proof that you carry valid El Paso car insurance.

The number of uninsured drivers in Texas is higher than the national average. Uninsured motorist coverage is not required in Texas, but it's a good idea. It will  protect you from high medical costs and repair bills after a crash caused by a driver without the proper insurance. This insurance can reimburse you after an accident, up to the limits you select and after you pay your deductible.   

Number of Thefts in Texas

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

The National Insurance Crime Bureau has ranked the El Paso metropolitan area number 137 on the list of auto theft hot spots. This list includes cities all over the US and several other Texas cities. The rate of car thefts in the entire state is also higher than the US rate.

Common sense preventive measures like locking your car, hiding valuables, and purchasing comprehensive auto insurance can help protect your property. Comprehensive, or "other-than-collision," coverage will provide compensation  if your car is damaged by severe weather, fire, flood or vandalism, and also if it is stolen.  If you've financed the purchase of your car, your lender likely required you to carry comprehensive coverage for the life of the loan.  If you own your car outright, this might be a smart investment.

Find El Paso Auto Insurance Quotes

It can be difficult for average consumers to shop for the El Paso car insurance plans and prices. Your Trusted Choice member agent can help simplify the process by providing competitive rate quotes from multiple companies. These agents, with offices right in town, can also answer questions and help you evaluate your current coverage. This process often results in better coverage at lower rates. Find good coverage at a competitive price by contacting a local independent insurance agent right away.

Now, who's ready to get their insurance problems solved?