Cheapest Auto Insurance in El Paso, Texas (2025)

El Paso is located on the western tip of Texas, sharing a border with New Mexico. Because of El Paso’s inland location, the city is spared from many of Texas’ biggest weather risks, like tornadoes and tropical cyclones that form in the Gulf of Mexico.

Its relatively sheltered location could be one reason why El Paso drivers pay slightly less for car insurance than the average driver in the Lone Star State. Full-coverage car insurance in El Paso averages $198 per month, while liability-only coverage averages $105. By comparison, the state-level averages are $226 and $126, respectively.

Rates vary based on your age, credit history, vehicle type, and other factors, so it's a good idea to compare car insurance quotes to find the best deal available to you.

3 of the cheapest car insurance companies in El Paso

Many car insurance companies insure drivers in El Paso. But the best car insurance company is different for every driver. The right insurer for you depends on your individual situation and coverage needs. To kick off your search, here are some of the best car insurance companies in El Paso.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$88	$55	Cheap rates
USAA	9.1	$157	$99	Military families
GEICO	9.2	$185	$130	Discounts

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Cheap Rates

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User Reviews	4.1 6,086 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$50/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$77/mo

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Driver Reviews

4.1

Best choiceBased on 11,415 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,086)

Anthony

Verified Review

State Farm Review

Reviewed in California on August 2025

Much more expensive each year despite no accidents.

John

Verified Review

Be very careful when purchasing insurance policies

Reviewed in Florida on August 2025

My representative at Scott Cameron Insurance misspelled my last name. Accidents happen. He, Daymeion Hill, said they would correct it when it went through (the name change did not happen; I received the policy with my last name misspelled). My agent may have been inexperienced; I hope that was the case. Another agent, Lexi, said I needed to sign a paper for each of my vehicles to make the change. That took a while. She asked if there was anything else she could help with. I mentioned that I received the monitoring devices you install in the vehicle to monitor your driving in the mail. I did not want these devices and specifically stated I wasn’t interested. Lexi said that if I didn’t use those items, my premium would increase. I said, "Hold on, wait a minute, I never asked for these monitoring services in the first place." She said, "Well, maybe I can help you save some money. How much do you drive?" I sent photos of my odometer and the last service records for each vehicle. I told her the amount of miles I drive per month, and she said, "Well, I can save you a bit of money there." I said, "Great." I also distinctly explained this to my agent Daymeion in the office when I purchased the policy, the few miles I drive, and I paid in full. Why did he not apply these discounts to my policy in the first place? It’s practices like this that lead you to distrust all insurance industries. Lexi, the agent on the phone, said that I could expect a refund, but I probably wouldn’t receive it for 3 to 4 weeks. I paid my policy in full at the time of purchase. My check was cashed as soon as I purchased the policy, but State Farm isn’t going to refund me the difference for the low miles traveled until a month later.

Diane

Verified Review

Average

Reviewed in Arizona on August 2025

Good but keeps raising my policy.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm has some of the cheapest average car insurance rates in El Paso. But State Farm offers more than just low prices. It’s highly rated for overall customer satisfaction by J.D. Power, and it offers a big selection of discounts for even more savings. State Farm also offers several discounts for young drivers, who typically pay the highest premiums.

Pros

• Some of the cheapest average auto insurance rates in El Paso 

• Wide variety of discounts

Cons

• Limited coverage options

• Gap insurance not available

Best insurer for military families: USAA

Military Families

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User Reviews	4.9 1,207 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$88/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$138/mo

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Driver Reviews

4.9

Best choiceBased on 2,136 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,207)

Michael

Verified Review

Insurance

Reviewed in Kansas on August 2025

A good company for military personnel and veterans.

Carol

Verified Review

USAA is the Best

Reviewed in Georgia on August 2025

Excellent customer service. Prompt. Answers questions clearly. Pricing is better than most insurance companies.

Richard

Verified Review

I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.

Reviewed in Connecticut on August 2025

I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA sells car insurance to active-duty military service members, veterans, and eligible family members. USAA has some of the best third-party ratings in the industry, and it offers below-average rates to drivers in El Paso. USAA also offers many savings opportunities, including savings for storing a vehicle during deployment.

Pros

• Excellent third-party ratings

• Good selection of discounts

Cons

• Must be a military member, veteran, or family member to be eligible for coverage

• Few add-on coverages

Best insurer for discounts: GEICO

Discounts

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User Reviews	3.9 6,458 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$113/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$159/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 12,084 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,458)

Steven

Verified Review

I have no loyalty to insurance companies.

Reviewed in Missouri on August 2025

They stayed pretty stable price-wise, but I'm dropping them for a much better deal.

Keith

Verified Review

Crappie

Reviewed in New Jersey on August 2025

I'm unhappy that my rate went from $1,138 to $1,800 in just 6 months.

Mark

Verified Review

Needed help on the road and they were fast to help!

Reviewed in South Carolina on August 2025

Their app is great! They are quick to respond when needed.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO has some of the best car insurance discounts in El Paso. It offers savings for good students, safe drivers, military members, federal employees, affinity group members, and many others. GEICO’s mobile app also makes it easy to manage your policy from your phone, which allows for payments, claims, customer service, and more.

Pros

• Lots of discounts

• Highly rated mobile app allows for easy policy management

Cons

• Few endorsements

• Below-average J.D. Power customer satisfaction rating

How to get the cheapest car insurance in El Paso

Car insurance premiums are unique to each individual. But you have a variety of ways to get cheap car insurance in El Paso:^[1]

• Choose a higher deductible. If you get a full-coverage policy, you can reduce your monthly car insurance premium by choosing higher deductibles for collision and comprehensive insurance. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.

• Take a defensive driving course. Most car insurance companies in El Paso offer a discount to drivers who complete an approved defensive driving course.

• Bundle your policies. When you purchase two or more insurance products from the same company, like car insurance and home insurance or business insurance, you can save money on your policy.

Compare El Paso Car Insurance

Liability rates start at $50/mo.

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Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance in El Paso: State Farm

Texas requires liability-only car insurance for all drivers. Liability covers your legal and financial responsibilities if you cause an accident and another driver or passenger suffers bodily injuries or property damage. Liability insurance is the cheapest type of car insurance you can get. But it won’t cover your injuries or damage to your vehicle if you’re in an accident.

On average, El Paso drivers pay $105 per month for liability-only car insurance. Below, you can see the cheapest car insurance companies in El Paso for liability-only insurance.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$50
Mile Auto	$61
Allstate	$69
Mercury	$84
Progressive	$88
USAA	$88
Dairyland	$106
Root	$106
The General	$107
Bristol West	$107
AssuranceAmerica	$110
Nationwide	$111
Commonwealth Casualty	$113
GEICO	$113
Safeco	$113
Clearcover	$118
Direct Auto	$126
National General	$126
GAINSCO	$129
Elephant	$136
Chubb	$150
Foremost	$172
21st Century	$173
Liberty Mutual	$224

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in El Paso: State Farm

Full-coverage car insurance provides higher levels of protection than minimum coverage. It typically includes liability insurance as well as collision insurance and comprehensive insurance, which pay for your vehicle’s damages after a covered loss. You can also get medical payments insurance, which pays for some of your medical expenses after a crash.

For most drivers in El Paso, full coverage is optional. But it’s often a requirement if you lease or finance your vehicle. Full coverage can also be beneficial if you have a new vehicle or drive a car that has high repair costs.

On average, El Paso drivers pay $198 per month for full coverage. Here are the cheapest car insurance companies in El Paso for full-coverage insurance.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$77
Allstate	$109
Mile Auto	$124
Mercury	$138
USAA	$138
Progressive	$154
GEICO	$159
Nationwide	$174
Safeco	$184
Clearcover	$191
Root	$192
Direct Auto	$212
The General	$212
Elephant	$213
Bristol West	$223
National General	$223
Chubb	$235
AssuranceAmerica	$239
GAINSCO	$259
21st Century	$271
Dairyland	$287
Liberty Mutual	$291
Commonwealth Casualty	$300
Foremost	$347

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

Vehicle owners in El Paso must carry liability insurance with at least 30/60/25 coverage limits.^[2] For more protection, you can choose higher insurance coverage limits, which insurance agents generally recommend.

Texas is an at-fault state, also called a tort state. After an accident, the at-fault driver is legally responsible for compensating the other person for their injuries and property damage.

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$25,000 per accident

Other coverage options may also be available. Texas car insurance companies are required to offer personal injury protection (PIP) and uninsured/underinsured motorist insurance (UM/UIM) when you purchase a minimum-coverage insurance policy. But you can refuse these coverages in writing if you don’t want them.

Here are other coverages you can add to your policy for more protection:

• 

  Collision coverage

  Collision coverage pays for your car repairs or replacement if you hit a stationary object or another vehicle, regardless of fault.

• 

  Comprehensive coverage

  Comprehensive coverage pays for vehicle repairs or replacement after non-collision incidents. These can include theft, vandalism, falling objects, severe weather, and more.

• 

  Gap coverage

  If you finance or lease your vehicle, gap insurance can pay the difference between the remaining balance on your agreement and your insurance settlement if your car is a total loss.

• 

  Rental reimbursement coverage

  Rental reimbursement coverage helps pay for the cost of using a rental car or alternative transportation if your car is in the shop during a covered claim.

Cheapest car insurance for drivers with an incident

If you have any incidents on your record, like a speeding ticket or an at-fault accident, you can expect to pay more for car insurance than someone with a clean driving record.^[3] But the exact rate increase depends on the type of incident.

For example, a speeding ticket may have a small effect on your premium, whereas driving under the influence will have a much bigger effect.

Find Cheap Car Insurance in El Paso

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Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: State Farm

Getting pulled over for speeding can affect the price of your car insurance, but you won’t see your rate increase immediately. Insurance companies typically review your driving record when your policy renews, which is when the rate increase will go into effect. A speeding ticket can increase your rates for three to five years.

If you get a speeding ticket, your car insurance rate increase will depend on several factors, like whether it’s your first ticket and how much over the speed limit you were driving.

El Paso drivers with speeding infractions pay an average of $124 monthly for liability coverage. The table below shows average liability-only rates top insurance companies offer to El Paso drivers with speeding tickets.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$50	$59
Mile Auto	$61	$70
Allstate	$69	$82
Mercury	$84	$109
Progressive	$88	$104
USAA	$88	$105
Dairyland	$106	$127
Root	$106	$133
The General	$107	$136
Bristol West	$107	$130
AssuranceAmerica	$110	$127
Nationwide	$111	$134
Commonwealth Casualty	$113	$129
GEICO	$113	$139
Safeco	$113	$139
Clearcover	$118	$147
Direct Auto	$126	$152
National General	$126	$150
GAINSCO	$129	$148
Elephant	$136	$157
Chubb	$150	$179
Foremost	$172	$209
21st Century	$173	$212
Liberty Mutual	$224	$273

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Getting into an accident will likely cause your car insurance premium to increase unless you have an endorsement on your policy, like accident forgiveness. The rate increase after an accident can be small or significant, depending on your insurance company, but the accident will likely increase your rates for three to five years.^[4]

Also, keep in mind that your car insurance premium can still increase after a not-at-fault accident. If this happens, however, the rate hike usually isn’t as much as it would be for an at-fault accident.

At-fault accidents push average car insurance rates in El Paso to $130 per month for liability coverage and $245 for full coverage. These El Paso insurance companies have the lowest average monthly rates for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
State Farm	$50	$62
Mile Auto	$61	$77
Allstate	$69	$86
Mercury	$84	$116
Progressive	$88	$109
USAA	$88	$110
Dairyland	$106	$133
Root	$106	$130
The General	$107	$140
Bristol West	$107	$134
AssuranceAmerica	$110	$130
Nationwide	$111	$139
Commonwealth Casualty	$113	$142
GEICO	$113	$133
Safeco	$113	$149
Clearcover	$118	$166
Direct Auto	$126	$162
National General	$126	$156
GAINSCO	$129	$157
Elephant	$136	$169
Chubb	$150	$186
Foremost	$172	$218
21st Century	$173	$219
Liberty Mutual	$224	$284

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI: State Farm

A DWI is one of the most serious incidents you can have on your driving record. Most car insurance companies increase rates dramatically for drivers who have been convicted of driving under the influence of drugs or alcohol. If you get a DWI, shopping around for new car insurance quotes could help you find a less expensive policy.

El Paso drivers with a DWI pay average monthly rates of $240 for full coverage and $127 for liability coverage. Here are the cheapest car insurance companies for El Paso drivers with a DWI, based on Insurify’s analysis of recent rate data.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving record	With DUI
State Farm	$50	$68
Mile Auto	$61	$83
Allstate	$69	$94
Mercury	$84	$115
Progressive	$88	$107
USAA	$88	$120
Dairyland	$106	$145
Root	$106	$145
The General	$107	$146
Bristol West	$107	$146
AssuranceAmerica	$110	$150
Nationwide	$111	$152
Commonwealth Casualty	$113	$154
GEICO	$113	$154
Safeco	$113	$158
Clearcover	$118	$161
Direct Auto	$126	$172
National General	$126	$172
GAINSCO	$129	$176
Elephant	$136	$186
Chubb	$150	$205
Foremost	$172	$235
21st Century	$173	$236
Liberty Mutual	$224	$306

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Seniors pay higher rates for car insurance than middle-aged adults. In most cases, car insurance premiums decrease around age 35 and increase again around age 70. But other factors — like driving record, credit history, and vehicle type — can also affect rates for seniors.

On average, car insurance for senior drivers in El Paso costs $87 monthly for liability-only insurance and $165 for full coverage. In the table below, you can see which companies have the cheapest car insurance in El Paso for senior drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$59	$39
Allstate	$87	$55
Mile Auto	$94	$46
USAA	$110	$70
Mercury	$112	$68
GEICO	$123	$87
Progressive	$128	$73
Nationwide	$130	$83
Safeco	$158	$97
Root	$159	$88
Direct Auto	$164	$98
Clearcover	$165	$102
The General	$169	$85
National General	$169	$96
Chubb	$172	$110
Elephant	$173	$110
Bristol West	$180	$86
AssuranceAmerica	$182	$84
21st Century	$206	$131
GAINSCO	$212	$106
Dairyland	$230	$85
Commonwealth Casualty	$236	$89
Liberty Mutual	$239	$184
Foremost	$291	$144

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers pay the highest rates for auto insurance in El Paso and across the U.S. Newly licensed teen drivers lack experience on the road and are statistically more likely to get into accidents than older drivers.^[5]

But teen drivers have some ways to save money on their car insurance. For example, some insurers offer a discount for smart students or insuring a safe vehicle. Teens can also get cheaper car insurance by staying on their parents’ policy. An insurance agent might be able to recommend additional ways to save.

In El Paso, car insurance for teen drivers averages $387 per month for full coverage and $205 for liability coverage. Below, you can see which car insurance companies in El Paso have the lowest average monthly car insurance premiums for teen drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Insurance Company	Full Coverage	Liability Only
State Farm	$150	$97
Allstate	$219	$139
USAA	$260	$166
Mile Auto	$261	$129
Mercury	$266	$162
GEICO	$293	$208
Progressive	$301	$172
Nationwide	$345	$220
Root	$346	$191
Clearcover	$348	$215
The General	$376	$190
Elephant	$379	$242
Safeco	$387	$238
Bristol West	$412	$198
Direct Auto	$428	$254
National General	$464	$262
AssuranceAmerica	$486	$224
Dairyland	$493	$182
GAINSCO	$498	$248
Chubb	$507	$323
21st Century	$511	$326
Liberty Mutual	$542	$417
Commonwealth Casualty	$564	$212
Foremost	$679	$337

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

El Paso car insurance quotes by credit tier

Car insurance companies in Texas are legally allowed to use credit-based insurance scores.^[6] When you apply for an auto insurance policy, the company will look at your credit history and use it to calculate your premium. Drivers with good credit typically pay lower rates than drivers with poor credit because insurers view drivers with poor credit as more likely to file a claim.

In the table below, you can see the average monthly full-coverage car insurance premium for El Paso drivers based on credit tier.

Is car insurance more expensive in El Paso?

Drivers in El Paso pay similar rates for car insurance as the average American. The U.S. national average cost of car insurance is $192 per month for full coverage and $107 per month for liability coverage. For comparison, the average rate in El Paso is $198 per month for full coverage and $105 per month for minimum coverage.

More cities in Texas

Car insurance rates are different in every city. Factors like population density, the number of uninsured drivers, and the citywide accident rate can all contribute to premiums.

Below, you can see how average monthly car insurance costs compare in some other Texas cities.

City	Full Coverage	Liability Only
Arlington	$231	$131
Austin	$219	$134
Corpus Christi	$214	$134
Dallas	$257	$138
Fort Worth	$223	$124
Galveston	$212	$134
Houston	$292	$177
Midland	$217	$110
Plano	$221	$127
San Antonio	$229	$129

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

El Paso car insurance FAQs