El Paso Insurance Rates:

El Paso, TX home insurance is nearly $874 to $1,183, about $72-$98/month. Our in depth research shows customers can save as much as $411 by comparing different quotes

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El Paso Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $260/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1510 sqft Primary Residence Constructed In 2004 with Carpet Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $720/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2390 sqft Seasonal Residence Constructed In 1975 with Carpet over wood flooring, Composition Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $300/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 2220 sqft Rental Property Constructed In 2008 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $750/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 3380 sqft Vacation Property Constructed In 1980 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $340/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Bath 2940 sqft Rental Property Constructed In 2002 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $650/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Bath 3010 sqft Seasonal Residence Constructed In 1995 with Stone Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $126/2 months for $130,000 Coverage
Hardwood floors with kitchen complete with a breakfast bar, appliances, and pantry area. There are 2 bedrooms , Full basement with laundry room area and storage. Integrated speaker system throughout house, 2 Car Detached garage is insulated, finished inside and heated. Furnace, A/C, H20 Heater installed in 2009. Roof was built in 2010.
Single & divorced earning about $45,000 in a regular stable job with credit in the low 700's. Almost paid of the house.
Home Insurance Rate of $80/1 month for $300,000 Coverage
I live in a big lot of more than a half acre & more than 5000 sft house with 4 bedrooms & 5 bathrooms with basement, TV room & other latest gadgets.
Our rating is in the 600's from equifax & I guess it must be the same for the other two agencies.

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El Paso Rates & Quotes Analysis:

El Paso Area Estimated House Insurance
Tuscany Ridge Dr, Antilles Pl, Tamburo Ct, Copper Cloud Cir, Canyon Ridge Way, Calle Lomas Dr, Waycross Ave, Lake Volta Pl, Lady Hawk Ct, Brownfield Dr$1,019
Drummer Boy Ct, Glengarry St, Altadena Pl, Dakota St, Park Dr, Knollwood, Tennis West Dr, Turk Ct, Plainview Dr, Kings Bridge Dr$1,080
Antero Pl, Octavia St, Fawn Passage Pl, Fernridge Ct, W University Ave, Geisler Ct, Avalon Dr, Cactus Spine Ln, Edge of Texas St, Smith Rd$1,007
Mohair Dr, Sea Horse Dr, Tierra Dura Dr, Canyon Run Dr, S Virginia St, Riverside Rd, Robin Hood Dr, Geronimo Dr, Rackocy Ct, Knights Dr$1,009
O'Donnell St, Thunder Crest Ln, Dempsey Ave, la Mesa St, Tierra Fertil Dr, Manuel Acosta Dr, Lettie Ct, Raleigh Dr, Desert Canyon Dr, Travis St$1,059
Autumn Willow Way, Phoenix Dr, Pueblo St, Pointe Ln E, Roanoke Dr, Pan American Dr, Camelot Dr, Pamela Anne Ln, Mercedes St, Ol Guin Ct$1,008
Duskin Dr, Moore Rd, Cerro Negro Dr, Quitman Ave, Mount Shasta Dr, Plaza del Sur Ct, Domingo St, Paseo Randy Ln, Larry Wadkins Dr, Kellogg St$1,046
Abilene Ave, Gurss Pl, Loma del Rey Cir, Kentucky St, Lonesome Dove Cir, Chaffee Rd, Latuna Ave, Sandy Koufax Dr, Tierra Lucia Ct, la Cabana Pl$1,074
Bellwether Dr, Songland Ave, Wren Ave, Damasco Dr, Welch Ave, Niagara Falls, Joyce Cir, Laurel Clark Ln, Lazaro Pl, Ivey Dr$1,026
Vista Rio Cir, McArthur Dr, Capitan Ridge Dr, Passmore Rd, Morenci Rd, Aparicio Dr, Olivas V Aoy Ave, Stonehaven Dr, Shiner Ave, Loma Serena Pl$1,118

Insurance rates are influenced by a number of factors including:

  • Year Built: 34,685 Homes (15% of total) built between 1980 to 1989 in El Paso are paying home insurance between $1,535-$1,551 in contrast with Fort Bliss (+$33), El Paso Northwest (+$36), Prado Verde (+$59), Sunland Park(NM) (-$547) and Canutillo (-$35).
  • Bedrooms: 38,349 4 bedrooms homes (17% of total homes ) in El Paso are paying about $1,245 compared to Fort Bliss (+$26), El Paso Northwest (+$29), Prado Verde (+$47), Sunland Park(NM) (-$458) and Canutillo (-$29).
  • Auto Insurance Bundling: 54,140 Households (42% of all households) in El Paso have 2 vehicles available and when it is bundled with home insurance you can save $205 and differs from Fort Bliss ($210), El Paso Northwest ($210), Sunland Park(NM) ($132).
  • Senior Discounts: 59,264 seniors (more than 55 years) occupied housing units (46% of total) in El Paso get discounts between $154 to $156. The comparative concessions in proximate regions such as Fort Bliss, Sunland Park(NM) and Canutillo are $157, $99 and $150 respectively.
  • New Homes discounts: New homes such as the 98,592 homes built between 2000 to 2009 in El Paso can save $205 and differs from Fort Bliss ($210), El Paso Northwest ($210), Sunland Park(NM) ($132).

El Paso Homeowners insurance Facts

  • El Paso, TX has 128,520 owner occupied houses which is 60.0% of all units whereas Fort Bliss, El Paso Northwest and Sunland Park have 0.6%, 77.48% and 65.34% respectively.
  • El Paso, TX homeowners yearly insurance price at $1,029 is 0.88% of the typical house value of $116,600 which is in contrast with 0.68% in Fort Bliss, 0.67% at El Paso Northwest & 0.76% in Sunland Park.
  • Homeowners in El Paso, TX pay 3.17% of their income ($30,000 to $34,999) in insurance whereas homeowners in Fort Bliss, El Paso Northwest and Sunland Park pay 3.23%, 3.24% and 2.04% respectively.
  • El Paso, TX’s insurance is 7.5% of monthly housing costs of $1,151/month, for owners with a mortgage compared to 5.85% in El Paso Northwest, 5.95% at Sunland Park & 9.23% in Canutillo. But, for households without a mortgage, insurance is 24.2% of costs ($354 in El Paso, TX) in contrast with 23.85% in El Paso Northwest, 21.22% at Sunland Park & 29.08% in Canutillo.

El Paso, TX Home Values & Insurance rates

For example, insurance for 12,498 Homes (9.0% of total homes ) valued between $150,000 to $174,999 in El Paso, TX is about $1,430. Rates in nearby areas in such as Fort Bliss, El Paso Northwest, Sunland Park are cheaper by $337, $356, $199 respectively while Canutillo and Westway are costlier by $791 and $1,648 respectively for similar homes.

El Paso, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 7,384 5.0% $216
$50,000 to $59,999 3,180 2.0% $463
$60,000 to $69,999 5,712 4.0% $565
$70,000 to $79,999 8,499 6.0% $658
$80,000 to $89,999 11,266 8.0% $740
$90,000 to $99,999 12,046 9.0% $833
$100,000 to $124,999 24,318 19.0% $967
$125,000 to $149,999 15,912 12.0% $1203
$150,000 to $174,999 12,498 9.0% $1430
$175,000 to $199,999 7,118 5.0% $1646
$200,000 to $249,999 8,043 6.0% $1985
$250,000 to $299,999 5,245 4.0% $2428
$300,000 to $399,999 4,089 3.0% $3087

Renters Insurance in El Paso

  • Average Renters Insurance in El Paso :  $207($17/month)

  • Median Gross Rent in El Paso :  $697

  • El Paso Renters Insurance to Median Rent Ratio:  2.44%

  • Renter occupied housing units in El Paso :  85,563

El Paso Renters Insurance as a Percentage of Rent

El Paso Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,622 4.0% $351
$200 to $299 3,991 4.0% $801
$300 to $499 12,546 15.0% $1251
$500 to $749 26,317 32.0% $1926
$750 to $999 18,603 22.0% $2676
$1,000 to $1,499 13,441 16.0% $3801
$1,500 or more 2,632 3.0% $5451

Rent Affordability in El Paso:

Approximately 44.0% (38,473) of households are spending more than 35% of their income on gross rent in El Paso

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 9,679 11.0%
15.0 to 19.9 percent 9,896 11.0%
20.0 to 24.9 percent 9,792 11.0%
25.0 to 29.9 percent 9,522 11.0%
30.0 to 34.9 percent 8,201 9.0%
35.0 percent or more 38,473 44.0%

Protective device discount in El Paso Up to :  $31

Claims-free discount in El Paso Up to :  $41

El Paso, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79924 $96,600 $1,030
79904 $93,600 $1,020
79930 $87,700 $1,010
79903 $87,100 $1,010
79907 $84,100 $1,020
79915 $83,900 $1,020
79905 $76,900 $1,010
79901 $59,000 $1,000
79912 $172,600 $1,080
79932 $157,300 $1,060
79902 $155,800 $1,060
79934 $137,800 $1,050
79935 $130,200 $1,040
79925 $129,200 $1,040
79938 $127,900 $1,040
79936 $122,700 $1,040