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 $200 per month, while liability-only coverage averages $99. By comparison, the state-level averages are $232 and $121, 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	$74	$40	Cheap rates
USAA	9.4	$133	$72	Military families
GEICO	9.0	$81	$44	Discounts

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Compare Quotes

User Reviews	4.2 5,748 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.	$33/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.	$62/mo

Hide Details

Driver Reviews

4.2

Best choiceBased on 10,437 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 (5,748)

Sandra

April 13, 2025

Verified Review

Better than Progressive

They are always accessible and their rates aren't higher than Progressive's. Also, they have much better commercials than those on Progressive. Just saying.

Daphne

April 13, 2025

Verified Review

Policy Inflated for Agent Benefits

The handling of my policies was very unprofessional on all levels, and my record contained outdated information. The agents managing my accounts were also unsatisfactory.

Julie

April 13, 2025

Verified Review

Epic Fail with the Claims Department

The roadside assistance has been good in the past and the phone service to my broker is usually good, as they can answer my questions. However, my car was recently hit by someone and the claims process was a nightmare. It was very annoying and the claims handler was inefficient, not providing me with all my options. After trying to reach a supervisor, they just said it was too late to help. The claims person deemed my car totaled within 2 minutes of reviewing it. When I asked if there were any options, he said no. When I found cars similar to mine and asked for more money, they refused, saying it was either accept their offer or nothing. Only after I accepted the offer and called back to State Farm did a supervisor explain to me about the option of a salvage title, which I knew nothing about. I am still incensed that no one from State Farm told me that was an option. If I knew it was an option, I definitely would have done that instead of accepting their paltry offer and having to go through the time-consuming process of researching cars, looking for cars, and buying a new car, thereby incurring debt when my car was already paid off. I called back again to explain how upset I was and they just said too bad, we will review with the claims adjuster so he will be more thorough in the future. This was an epic fail and they are now losing me as a 20+ year customer as soon as I find another carrier.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

JD Power

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

842

NAIC Index

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

0.78

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

Compare Quotes

User Reviews	4.9 1,108 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.	9.4 /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.	$59/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.	$111/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 1,908 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 (1,108)

Kate

April 13, 2025

Verified Review

Happy with USAA

Responsive.

Stellar

April 13, 2025

Verified Review

Very Cheap Car Insurance

Great!

Pat

April 12, 2025

Verified Review

Long Time USAA Policy Holder

It's expensive.

Previous

1234…25

NextSee all USAA reviews

Our Advice

JD Power

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

880

NAIC Index

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

1.35

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

Compare Quotes

User Reviews	4.0 6,217 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 /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.	$35/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.	$68/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,366 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 (6,217)

Sandra

April 13, 2025

Verified Review

Expensive

Don't purchase it unless you're wealthy.

Margie

April 13, 2025

Verified Review

Higher Insurance

I'm not entirely sure because I go through an agency. I haven't spoken to anyone on the Geico team, but I just don't think I need to be paying high car insurance even though I had a fender bender in December 2023. I have had a clean record for over 16 months.

Kathie

April 13, 2025

Verified Review

Good

I need it to be cheaper.

Previous

1234…25

NextSee all GEICO reviews

Our Advice

JD Power

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

835

NAIC Index

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

0.74

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 $33/mo.

Enter your ZIP codeSee My Quotes

Secure. Free. Easy-to-use.

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 $99 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: Tuesday, April 1 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	$33
GEICO	$35
Allstate	$46
Mile Auto	$50
USAA	$59
Nationwide	$74
Mercury	$78
Progressive	$85
Root	$87
Dairyland	$95
Chubb	$100
Safeco	$102
Direct Auto	$110
The General	$110
National General	$110
Clearcover	$111
AssuranceAmerica	$112
Bristol West	$113
21st Century	$115
Commonwealth Casualty	$115
Elephant	$126
GAINSCO	$143
Foremost	$188
Liberty Mutual	$202
State Auto	$222

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $200 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: Tuesday, April 1 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	$62
GEICO	$68
Allstate	$88
Mile Auto	$101
USAA	$111
Mercury	$139
Nationwide	$140
Progressive	$148
Root	$165
Safeco	$166
Clearcover	$183
Chubb	$190
Direct Auto	$207
Elephant	$211
National General	$217
21st Century	$219
The General	$226
Bristol West	$234
AssuranceAmerica	$245
Dairyland	$250
Liberty Mutual	$283
GAINSCO	$307
Commonwealth Casualty	$320
Foremost	$410
State Auto	$420

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Compare quotes from top auto insurance companies today

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

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 $134 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: Tuesday, April 1 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	$33	$42
GEICO	$35	$45
Allstate	$46	$59
Mile Auto	$50	$63
USAA	$59	$76
Nationwide	$74	$96
Mercury	$78	$108
Progressive	$85	$109
Root	$87	$122
Dairyland	$95	$122
Chubb	$100	$129
Safeco	$102	$134
Direct Auto	$110	$142
The General	$110	$146
National General	$110	$141
Clearcover	$111	$143
AssuranceAmerica	$112	$141
Bristol West	$113	$147
21st Century	$115	$152
Commonwealth Casualty	$115	$157
Elephant	$126	$161
GAINSCO	$143	$195
Foremost	$188	$257
Liberty Mutual	$202	$276
State Auto	$222	$289

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $139 per month for liability coverage and $280 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: Tuesday, April 1 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	$33	$44
GEICO	$35	$47
Allstate	$46	$61
Mile Auto	$50	$68
USAA	$59	$79
Nationwide	$74	$99
Mercury	$78	$113
Progressive	$85	$116
Root	$87	$126
Dairyland	$95	$126
Chubb	$100	$133
Safeco	$102	$141
Direct Auto	$110	$150
The General	$110	$151
National General	$110	$145
Clearcover	$111	$163
AssuranceAmerica	$112	$144
Bristol West	$113	$151
21st Century	$115	$157
Commonwealth Casualty	$115	$152
Elephant	$126	$168
GAINSCO	$143	$184
Foremost	$188	$265
Liberty Mutual	$202	$285
State Auto	$222	$301

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $320 for full coverage and $158 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: Tuesday, April 1 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	$33	$53
GEICO	$35	$56
Allstate	$46	$74
Mile Auto	$50	$80
USAA	$59	$95
Nationwide	$74	$119
Mercury	$78	$121
Progressive	$85	$137
Root	$87	$129
Dairyland	$95	$153
Chubb	$100	$161
Safeco	$102	$161
Direct Auto	$110	$177
The General	$110	$177
National General	$110	$177
Clearcover	$111	$179
AssuranceAmerica	$112	$180
Bristol West	$113	$182
21st Century	$115	$185
Commonwealth Casualty	$115	$185
Elephant	$126	$203
GAINSCO	$143	$230
Foremost	$188	$303
Liberty Mutual	$202	$325
State Auto	$222	$357

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $78 monthly for liability-only insurance and $158 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: Tuesday, April 1 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	$47	$25
GEICO	$53	$27
Allstate	$69	$36
Mile Auto	$74	$37
USAA	$86	$46
Nationwide	$102	$54
Progressive	$103	$59
Mercury	$109	$61
Chubb	$135	$71
Root	$138	$73
Safeco	$139	$86
Direct Auto	$156	$83
Clearcover	$156	$95
21st Century	$160	$84
National General	$161	$81
Elephant	$161	$96
The General	$176	$86
AssuranceAmerica	$183	$84
Bristol West	$183	$89
Dairyland	$196	$74
Liberty Mutual	$229	$163
Commonwealth Casualty	$248	$89
GAINSCO	$249	$116
State Auto	$312	$165
Foremost	$322	$148

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $383 per month for full coverage and $190 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: Tuesday, April 1 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	$117	$62
GEICO	$120	$62
Allstate	$172	$90
USAA	$203	$108
Mile Auto	$210	$104
Mercury	$263	$148
Nationwide	$269	$142
Root	$269	$142
Progressive	$277	$159
Safeco	$344	$211
Clearcover	$375	$227
Elephant	$378	$226
The General	$386	$188
Chubb	$399	$210
21st Century	$406	$213
Direct Auto	$410	$218
Bristol West	$424	$205
Dairyland	$425	$161
National General	$449	$228
AssuranceAmerica	$474	$217
Liberty Mutual	$516	$368
GAINSCO	$570	$265
Commonwealth Casualty	$589	$212
Foremost	$783	$359
State Auto	$999	$528

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $196 per month for full coverage and $105 per month for liability coverage. For comparison, the average rate in El Paso is $200 per month for full coverage and $99 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	$239	$126
Austin	$231	$132
Corpus Christi	$230	$131
Dallas	$267	$132
Fort Worth	$232	$120
Galveston	$226	$129
Houston	$311	$172
Midland	$231	$107
Plano	$234	$126
San Antonio	$233	$125

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

El Paso car insurance FAQs