Who Offers the Lowest Auto Insurance Quotes in El Paso, Texas?

The average cost of minimal coverage in Texas is $926 per year, yet El Paso drivers pay only $834 per year, despite residing in one of the state's major cities. For El Paso residents looking for both minimal and full coverage auto insurance, Fred Loya has the best rates. Fred Loya's comprehensive coverage costs $786 per year on average, while basic coverage costs $354. Before purchasing insurance, we recommend obtaining estimates from multiple firms. MetLife rates $4,972 per year for complete coverage in El Paso, whereas Fred Loya charges $786.

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The average monthly cost of minimal coverage in El Paso is $70. Given the low cost of basic coverage, many drivers choose it to full coverage. However, keep in mind that complete coverage does not cover repairs to your vehicle. Minimum coverage is not sufficient.

Fred Loya has the cheapest full coverage vehicle insurance in El Paso.

Fred Loya Insurance also has the most affordable full coverage insurance prices. The city average in El Paso is $2,591, while Fred Loya's average quote is $1,805 less, at $786 per year. However, Fred Loya's reputation for customer service leaves a lot to be desired. If you want a simple claim process, we recommend getting estimates from State Farm and Geico. Both of these organizations have a better reputation for customer service than Fred Loya and charge lower-than-average premium rates.

Full coverage includes liability coverage, which compensates for any damages you may cause to some other driver's people or property, and also collision and comprehensive insurance.

Comprehensive coverage compensates for damage caused by "acts of God," such as fires, animal damage, and vandalism. Collision coverage covers repairs to your automobile after a collision with another vehicle or a fixed object.

Cheap auto insurance for drivers with a history of infractions

Drivers in El Paso who have an accident, a speeding citation, or a DUI on their record typically pay higher rates than those who have a clean record. Your charges may also rise if you have a low credit score. Rates are established by insurance companies depending on the danger that drivers pose. Poor credit and events on your record are regarded as indicators of heightened risk.

Online Insure quote combed through thousands of quotations in El Paso to find the cheapest insurers for drivers who have:

• Have you ever been in an accident when you were at fault? Loya, Fred got one speeding ticket: Loya, Fred

• Fred Loya received one DUI citation.

• Fred Loya has a bad credit history.

After an accident, the following is the cheapest vehicle insurance in El Paso: Loya, Fred

After an at-fault accident, Fred Loya Insurance has the lowest rates for El Paso drivers, rising premiums from $786 to $971 for full coverage. This is 76% less than the average cost of auto insurance after an accident in El Paso, which is $4,060 per year. At-fault incidents increase insurance costs by 57%, which is more than a speeding ticket (7%) but less than a DUI (70 percent ).

Fred Loya has the cheapest vehicle insurance for customers who have received a speeding ticket.

If you are caught speeding on the roadways in El Paso, your insurance premiums will most certainly increase. We discovered that insurance rates for full coverage are $187 more expensive after a speeding violation. However, Fred Loya Insurance and State Farm stand out since they did not hike rates after our sample driver received his first speeding ticket. Conveniently, Fred Loya and State Farm are also the least expensive insurers for drivers who have received a speeding ticket. Fred Loya's rates are 72% lower than the national average, while State Farm's rates are 53% lower.

Fred Loya has the cheapest vehicle insurance for DUI drivers.

The most expensive incidence in our survey is a citation for driving under the influence. After a DUI, the average rate for full coverage in El Paso rises by $1,804. For drivers with a DUI on their record, Fred Loya Insurance and State Farm are the two highest affordable insurers. State Farm boosts rates by $641, from $1,311 to $1,952, while Fred Loya raises rates by $461, from $786 to $1,247. All of the other insurers in our survey, except for USAA, hike rates by more than $1,000 following a DUI.

Cheapest auto insurance for bad credit drivers: Loya, Fred

Your credit score is frequently used by insurers to calculate your rates. El Paso drivers with excellent credit pay only $1,646 per year, while those with ordinary credit pay $2,142 and those with low credit pay $3,242. The exception to this general rule is Fred Loya Insurance. We discovered that regardless of your credit score, the company charges the same rate: $786 per year for complete coverage. Get a quote from Fred Loya if you've just had a drop in your credit score and are seeking affordable complete coverage.

Fred Loya has the cheapest vehicle insurance for married drivers.

We recommend getting prices from Fred Loya Insurance, State Farm, and Geico if you're a married driver in El Paso. These companies collectively charge 42% less than the city average for married couples, which is $2,369 per year.

Fred Loya has the cheapest auto insurance for young drivers.

In El Paso, rates for juvenile drivers are 159 percent higher than rates for adult drivers. Quotes for young drivers should be obtained from Fred Loya Insurance, State Farm, and Geico. These firms offer the best prices for teen auto insurance, charging 52%, 43%, and 36% less than the city average, which is $6,721.

When shopping for insurance, always obtain many quotes and always ask for discounts. MetLife charged our hypothetical 18-year-old driver $16,132 for full coverage per year. That's more than four times the cost of Fred Loya, the cheapest insurer in our analysis – a $12,924 difference. Another option is to continue to be covered by your parents' automobile insurance if at all possible. According to the Online Insure quote, it is half as expensive to add a teen to an existing policy as it is for them to get their own.

El Paso, Texas's best auto insurance companies

Customers of major national vehicle insurance were polled by Online Insure quote on how satisfied they were with their most recent claim experience.USAA, Nationwide, and State Farm had the greatest percentage of consumers who said they were "very satisfied" with their most recent claim of the nine insurers in our Texas survey. Check out our Texas car insurance report for more information on how the insurers in our study compared to one another.

The average cost of vehicle insurance in El Paso varies by ZIP code.

We compared vehicle insurance rates in El Paso ZIP codes and discovered that residents of ZIP code 79932 pay the least for full coverage auto insurance, on average, at $2,515 per year. Residents of ZIP code 79906 pay the most, on average $2,669 per year. Rates differ by ZIP code because insurers base premiums on local characteristics such as crime rates and traffic.

El Paso auto theft statistics

According to Online Insure quote analysis of 2019 FBI crime data, El Paso has the tenth-highest rate of auto insurance theft. For every 1,000 El Paso inhabitants, around 1.2 cars were stolen.