5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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Cheapest recent rates near El Paso, Texas
Drivers in and around El Paso, Texas have found policies from State Farm, Liberty Mutual, Commonwealth Casualty, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $215 per month, while liability-only coverage averages $93. By comparison, the state-level averages are $250 and $119, 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.
Quick Facts
With a population of 868,763, El Paso had 16,232 traffic accidents in 2022, according to Texas Department of Transportation data.
El Paso drivers must carry at least 30/60/25 in liability insurance.
Teen drivers pay the highest car insurance rates in El Paso, averaging $270 per month overall.
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
$65
$37
Cheap rates
USAA
9.4
$116
$66
Military families
GEICO
9.0
$71
$40
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.
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 28,000 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.
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.
$31/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.
$54/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
$55/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.
$97/mo
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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.
9.0/10
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.
$59/mo
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
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
The employees are not adequately trained for their job. That's why I recently stopped using their services. I regret having to say this.
Judy - July 25, 2024
Verified
Poor Mobile App
The mobile app was disappointing. After multiple attempts, we decided to cancel.
Matthew - July 25, 2024
Verified
Geico is Expensive but Offers Great Service
It's expensive, but the service is awesome.
…
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 $31/mo.
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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 $93 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $215 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: Monday, July 1 at 12:00 PM PDT.
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.
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 recent rates near El Paso, Texas
Drivers in and around El Paso, Texas have found policies from Foremost, Progressive, Elephant, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 coveragepays 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
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Based on 3,806+ reviews
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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 $132 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $142 per month for liability coverage and $329 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $372 for full coverage and $161 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: Monday, July 1 at 12:00 PM PDT.
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.
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.
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 $68 monthly for liability-only insurance and $157 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: Monday, July 1 at 12:00 PM PDT.
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.
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: GEICO
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 $377 per month for full coverage and $163 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: Monday, July 1 at 12:00 PM PDT.
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.
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.
Find Cheap Car Insurance in El Paso
Full-coverage rates start at $54/mo. for El Paso drivers
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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.
Rates by Credit Tier
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.
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 $214 per month for full coverage and $105 per month for liability coverage. For comparison, the average rate in El Paso is $215 per month for full coverage and $93 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.
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
If you’re shopping for car insurance in El Paso, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how much car insurance you need.
How much is car insurance in El Paso?
Car insurance in El Paso costs $215 per month for full-coverage insurance and $93 per month for a liability-only policy, according to Insurify data.
Which companies have the cheapest car insurance in El Paso?
State Farm offers the lowest car insurance rates of any insurer in El Paso. Full coverage from State Farm starts at $54 per month, and liability-only insurance starts at $31 per month.
El Paso drivers can also find cheap rates from GEICO and Allstate, which have monthly liability rates as low as $33 and $44, respectively.
What are the best car insurance companies in El Paso?
State Farm is one of the best car insurance companies in El Paso. It has a high Insurify Quality (IQ) Score, AM Best’s highest possible financial strength rating of A++ (Superior), and above-average J.D. Power customer satisfaction ratings in Texas. Other top insurers in El Paso include GEICO, Allstate, and USAA.
What is the minimum car insurance in Texas?
Texas requires all drivers to carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability. If you’re caught driving without insurance, you could face fines and suspension of your vehicle registration and driver’s license.
What factors increase car insurance rates in El Paso?
El Paso’s car insurance rates are in line with the state average. But factors that can affect car insurance costs in a city include the car you drive, the ZIP code you’re in, your coverage level, age, driving record, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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