Average Homeowner Insurance Rates for El Paso, Texas

Average Annual Insurance Rate
$1443


The Cheapest Homeowner Insurance Rates for El Paso, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $430
United Propoerty and Casualty $554
Travelers Insurance $760
American Mercury $762
Nationwide $881
National Specialty Insurance $890
Texas Fair Plan $902
Nationwide $904
Allied Property and Casualty $964
Hartford Insurance $978



The Most Popular Home Insurance Providers in El Paso, Texas

Provider Annual Insurance Rate
Liberty Insurance $2813
Nationwide $881
State Farm $1600
Texas Farmers Insurance $1040



Does credit score affect El Paso home insurance rates?

Credit Score Average Annual Insurance Rate
bad $1874
average $1443
good $1213
Yes! Your credit rating can impact the price you pay for El Paso homeowners Insurance up to $661 per year. Our analysis shows El Paso home insurance shoppers with poor credit will pay up to 54% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 36% higher than people with average credit and average credit rate shoppers will pay 19% higher rates than shoppers with good credit.

Does Building Construction affect El Paso home insurance rates?

Construction Type Average Annual Insurance Rate
frame $1311
Stucco/Hardie $1214
Brick Veneer $1168
Your home construction style may also impact the price you pay for El Paso homeowners Insurance up to $143 per year. El Paso home insurance shoppers with frame style construction pay up to 12% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay 4% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in El Paso?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $882
10 Year(s) Old $1168
35 Year(s) Old $1345
Your home age impacts the price you pay for El Paso homeowners Insurance up to $463 per year. El Paso home insurance shoppers with older homes pay 52% higher rates than new homes while homeowners with homes less than 30 years old will pay 32% higher rates than new construction homes.