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El Paso is a city with lots of exciting places to discover! You can visit the beautiful Franklin Mountains State Park, where you can hike and enjoy the amazing views. And there's the El Paso Zoo, where you can see animals from all around the world. If you're curious about space, the Insights Science Museum is the place to go!
Did you know that El Paso is right next to Mexico? You can walk across the border and explore Ciudad Juarez! And at the zoo, you can meet playful meerkats and colorful parrots. Because El Paso is a busy city, you'll see many cars driving around.
That's why having good auto coverage in El Paso is so important. It helps make sure you're safe while you're out and about. At CINCO Auto Insurance Insurance, we're here to ensure you have the best protection while enjoying all the wonderful things El Paso has to offer!
Quick Facts About the Auto Insurance in El Paso:
- El Paso is home to over 680,000 residents, and about 75% of El Paso residents commute to work by car.
- El Paso enjoys over 300 days of sunshine annually, which can lead to better road conditions for drivers.
What is the Cost of Auto Insurance in El Paso?
In El Paso, most people pay around $120 monthly for basic liability insurance and about $249 for more extensive coverage. It is about 8% less than what drivers pay on average in Texas. It's normal for the insurance cost to be different in various cities because some places have more cars or accidents (among many different factors), which can affect the price. So, it's common for insurance to cost more or less depending on where you live.
Auto Insurance in El Paso Costs by Zip Code:
In El Paso, how much you pay for car insurance depends on where you live. Some parts of the city have more cars, which makes insurance a bit more expensive in comparison to other places. Also, having more accidents or thefts in a neighborhood can raise the cost of insurance. So, your specific zip code within El Paso can affect how much you pay for car insurance. Being conscious of this information helps you make smart choices about your coverage.
| Zip Code | Average Monthly Quote (Liability) |
| 79936 | $90 |
| 79912 | $64 |
| 79924 | $72 |
| 79938 | $78 |
| 79925 | $109 |
| 79928 | $66 |
| 79907 | $81 |
| 79904 | $89 |
| 79934 | $108 |
| 79915 | $144 |
| 79930 | $71 |
| 79932 | $81 |
| 79902 | $75 |
| 79927 | $76 |
| 79905 | $42 |
| 79935 | $48 |
| 79903 | $52 |
| 79901 | $117 |
| 79906 | $49 |
| 79922 | $92 |
Car Insurance Rates by Age in El Paso:
Your age significantly impacts the cost of your insurance in Fort Worth. Driving costs more if you're a beginner since accidents are more likely to occur if you are new to the world of driving. However, insurance costs decrease as you get older and become a more experienced driver because there are fewer chances of you getting into accidents or traffic problems.
No matter their circumstances, we at CINCO Auto Insurance think everyone should be able to afford insurance. We communicate with our consumers to figure out a pricing that matches their budget. Here are the typical monthly fees for various age groups in Texas:
Driving Conditions in El Paso:
How many accidents happen in El Paso every year?
This 700,000-people metropolis saw over 13,700 car accidents in 2021. CRIS, Texas' crash records information system, gave this data. This figure includes no collisions involving walkers or cyclists.
El Paso's importance as a border crossing point for cars is one factor in the high rate of accidents. The El Paso port is used by more than 800,000 vehicles annually to transport goods between the United States and Mexico. Over a fifth of all the products exchanged between these two nations pass through this border crossing. The result is a lot of traffic, which increases the risk of accidents in the surrounding areas.
How bad is El Paso Traffic?
Driving in El Paso is usually smooth and not too crowded. The average traffic congestion level in El Paso is only 16%, making it a relatively low-traffic area. This means you will only sometimes find the roads packed with cars. However, being careful is still important, especially during busy times. Sometimes, the weather might make driving a bit tricky, like when it rains a lot or there's a dusty wind. It's best to slow down and be extra careful in those situations. All in all, El Paso is a place where you can enjoy your drive without too much hassle. However, it is still important to carry good car insurance in El Paso.
Minimum Car Insurance Requirements in El Paso:
In El Paso, Texas, you need to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25" plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident.
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in El Paso:
The easiest way to save money is by opting for discounts CINCO Auto Insurance offers its customers a offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. A few major discounts that we provide that make us one of the most affordable car insurance in El Paso are listed below.
| Military discounts | Renewal Discounts | Continuos insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
| Occupational discounts | Paperless Billing | Vehicle Safety Ratings and Features |
| First Responders | Affiliation Discounts | Low Mileage Discounts |
| Mature, retired, or senior discount | User-Based | Telematics-Based |
Penalties for Traffic Violations/Offenses in El Paso:
If you are caught speeding in El Paso, you might be fined. Texas's typical penalty for exceeding the permitted speed limit by around 10 miles per hour is $223. However, if you were traveling at a speed that was 15 mph over the speed limit, the fine may be around $255. The fine is roughly $291 if you were traveling at a rate of 20 mph or above.
You can face a fine between $175 and $350 for a first offense. But if you wind up making the same mistake again, the fine might increase to $350 or $1000. Keep in mind that these are only typical figures, and the real fine may change to some extent. To keep everyone safe on the highways, it's important to obey speed restrictions.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in El Paso:
El Paso, a city with a unique blend of cultures, provides a variety of services for its residents. Some libraries, like the Armijo Library, located at 620 E. Seventh Avenue, El Paso, TX 79901, are great places to learn and connect with the community. El Paso is also known for its beautiful parks, with over 250 to choose from. These are perfect spots for outdoor activities and relaxation.
When it comes to taxes, El Paso has you covered. The main El Paso County Tax Assessor-Collector's Office is at 301 Manny Martinez Drive, El Paso, TX 79905. They're there to help with property taxes for homes and businesses.
And if you need to take care of things with your car, there are special places called DMV offices. One of them is the El Paso Regional Service Center at 1227 Lee Trevino Drive, El Paso, TX 79907. You can visit there to renew your driver's license, register your car, and get special license plates. These offices are located in different parts of the city, making it convenient for everyone in El Paso to use these services.
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| Name | Address | Contact Number | Official Website |
| Texas State of Department of Public Safety | 650 Gateway Blvd N El Paso, TX 79905 | (915) 838-7698 | Link |
| Texas Department of Public Safety | 1854 Northwestern Dr. El Paso, TX 79912 | 1 915-877-1647 | Link |
| El Paso Vehicle Registration | 301 Manny Martinez Dr. El Paso, TX 79905 | 1 915-771-2300 | Link |
| Fort Bliss Soldier Support Center | 505 Pershing Rd Fort Bliss, TX 79916 | (915) 568-3035 | Link |
Get a Quote for Car Insurance in El Paso Right Away!
Taking on the role of a careful driver extends beyond just driving; it involves an ongoing dedication to your and your vehicle's safety. At CINCO Auto Insurance , we understand the importance of safeguarding your vehicle.
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy. Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com .