There risks in any city you drive in, but El Paso residents need to look out for these specific risks when building out a car insurance policy: 

• Heavy traffic: Being a boarder city, El Paso faces heavy traffic in and out of the state, increasing the risk of accidents.
• Extreme weather: From dust storms to hail, and extreme heat, El Paso’s weather poses non-collision risks to your vehicle.
• High percentage of uninsured drivers: Not every driver on the road has insurance, putting you at risk for paying for your damages, even if it wasn't your fault.

Car insurance policies in El Paso follow the state of Texas’s guidelines for what’s legally required on a policy. That includes: 

• $30,000 per person and $60,000 per accident for bodily injury 
• $25,000 per accident for property damage 
• $2,500 for personal injury protection 
• Uninsured/Underinsured Motorist (UM/UIM) Coverage 

Texas is an at-fault state, and the above coverage keeps you from having to make out of pocket payments if you’re the at-fault driver. However, it’s often recommended to increase your limits to make sure you’re covered if more serious accidents happen. 

For descriptions of this coverage, please read our Texas car insurance page for more information.

Having a policy that meets the legal requirements only covers the other driver if you’re at fault. To further protect your vehicle and yourself, additional coverage is highly recommended. 

Here is a list of options to consider adding to your policy: 

• Collision Coverage: Helps pay for damage to your vehicle, regardless of fault, after a covered accident. Subject to your deductible.
• Comprehensive Coverage: Helps pay for non-collision incidents (weather damage or theft) after a covered incident. Subject to your deductible.
• Roadside Assistance: Helps pay for the cost of towing if your vehicle cannot be driven due to a breakdown or accident. Helpful for El Paso’s desert environment.
• Rental Reimbursement: Helps pay for a rental while your vehicle is being repaired.
• Gap Insurance: Covers the difference between what you owe and what your car is worth if it’s deemed a total loss.

Keep in mind this isn’t a full list of options, and the descriptions are general in nature to give you an idea of what they offer. 

Goosehead agents work with you to find coverage that works best for your needs and budget. 

On average, El Paso drivers spend around $800 to $1,000 annually for minimum coverage. Those that have more coverage on their policy pay an average of about $2,500 a year. 

What you pay for your premium is influenced by more than just coverage selections and your deductible amount. Other factors include: 

• Zip Code: Rates can be higher in high-traffic or high-theft areas like Central and Northeast El Paso
• Driving Record: The number of violations you have on your record impacts rates.
• Vehicle Type: New or high-value cars typically cost more to insure.
• Usage: Long commutes or heavy mileage can increase costs.
• Age: Younger drivers aren’t as experienced, so they cost more to insure due to increased risk.

Of course, car insurance doesn’t have to break the bank. Here are some common strategies to help you save: 

• Bundle your policies: It’s common for carriers to offer multi-policy discounts.
• Safe driver discounts: Taking safe driving courses or installing a telematics device help qualify you for safe driving.
• Avoid minor claims: Frequency of claims can increase your premiums, so keep minor claims to a minimum.
• Shop around: Goosehead makes it easy for you to shop around while keeping one po9int of contact for your insurance needs.

At Goosehead, we don’t just quote generic Texas policies. Our agents understand that El Paso has different needs than the rest of the state. Here’s why drivers trust us with their car insurance needs: 

• Expert Advice: Our agents are experts in insurance, so they know what to advise you on.
• Tailored Solutions: Your policy is built to reflect one thing: you. We find the coverage that works best for your needs.
• Smart comparison shopping: We have access to top-rated carriers, and we can make comparisons for you.
• Dedicated service: Our agents work with you at every step and are here to answer your questions.