Auto Insurance in El Paso (79938)
Texas · Very Affordable · 16th percentile statewide
Carrier Rates in 79938
6-month premiums from SERFF rate filings. Standard driver profile.
How 79938 Compares
El Paso (79938) is very affordable for auto insurance in Texas, ranking in the 16th percentile.
The cheapest carrier is USAA at $311/6mo — 48% less than the most expensive (State Farm at $602).
The median premium of $422 is 17% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in El Paso (79938)?
The median 6-month premium in El Paso (79938) is $422 across 5 carriers. Premiums range from $311 to $602, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 79938?
USAA offers the lowest rate in 79938 at $311/6mo. That's 48% less than the most expensive option (State Farm at $602/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 79938?
Auto insurance rates in El Paso (79938) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. El Paso ranks in the 16th percentile statewide, meaning it's very affordable compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 79938?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.