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Cheap Car Insurance in El Paso, Texas

Looking to learn more about El Paso and how you can get cheap car insurance? Well, El Paso is a city located in the most western part of Texas. The city is on the border of Mexico and is considered to be one of the safest cities of its size in the U.S. El Paso was founded in 1680 by Spanish explorers and was chosen for its location along the Rio Grande. Many visitors flock to the city because of its abundance of annual cultural festivals and events.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in El Paso. Get your free customized auto insurance quote today!

Driving Conditions in El Paso

The good news about driving conditions in El Paso is that the city has not made it to the top of any lists for high levels of congestion or damaged roads. Drivers can learn about current traffic issues by visiting the website of the City of El Paso.

Unique Laws in El Paso

Driving laws across Texas are similar to those in other states, but drivers who need to have their car inspected may run into an odd law. The Texas Department of Safety states that the windshield of a car is not inspected, but working windshield wipers are a must.

El Paso Crime Statistics

In 2015, according to the FBI, authorities in El Paso reported 1,419 burglaries, 10,916 larcenies and 798 vehicle thefts.

El Paso Vehicle and Driving Safety Requirements

Seat Belt Law

By state law, every driver and passenger must buckle up, and every child under 8 must ride in a child safety seat or booster seat (except if that child is at least 4 feet, 9 inches tall), according to the Texas Department of Transportation. If you violate the seat belt law, you be fined anywhere from $25 to $250, in addition to court costs.

Distracted Driving Law

The City of El Paso prohibits using a cellphone while driving, unless it is in hands-free or voice-activated mode. Violating the ordinance can lead to a $116 fine.

As of Sept. 1, 2017, Texas will outlaw texting while driving. Under the law, a driver guilty of a first-time offense for texting while driving can be fined $25 to $99, with a fine for a repeat offense ranging from $100 to $200.

Helmet Law

All motorcycle riders under 21 are required to wear helmets. A rider 21 and older can go without a helmet if he or she has gone through a motorcycle safety course or is covered by an approved insurance plan.

Impaired Driving Law

In Texas, a driver can be charged with DWI if he or she has a blood alcohol concentration (BAC) of at least 0.08 percent, according to the state Department of Transportation. However, a driver can be considered impaired due to alcohol or other drugs, regardless of the BAC. A driver or passenger can be fined up to $500 for having an open alcohol container in a vehicle. 

A first-time DWI offender in Texas can be hit with:

  • A fine up to $2,000
  • A jail sentence up to 180 days
  • Loss of your driver’s license for up to a year
  • An annual fee of $1,000 or $2,000 for three years to keep your driver’s license

If a driver is slapped with at least two DWI convictions within five years, he or she must install a special ignition switch that stops that person from driving after drinking.

In Texas, you can be charged with child endangerment for driving while intoxicated if any passengers under 16 were passengers in your vehicle. Under this scenario, an offender faces a $10,000 fine, a two-year prison sentence and loss of his or her driver’s license for 180 days.


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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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