120+ more*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on June 4, 2026. 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
El Paso drivers can find the cheapest rates from State Farm, Allstate, and Mile Auto.
Car insurance rates in El Paso are typically lower than the Texas state average.
El Paso has a lower average commute time than other Texas cities, at just 24 minutes.
The average monthly cost for state-minimum auto insurance in El Paso, TX, is $91. Full-coverage policies cost an average of $187 per month. That’s lower than the Texas average insurance cost of $110 per month for liability-only coverage and $206 per month for full-coverage insurance.
Several factors make El Paso’s car insurance rates comparatively cheap.
Vehicle theft in El Paso is lower than in larger metro areas, like Dallas or Harris County. Its position at the westernmost tip of Texas, near the New Mexico border, means El Paso doesn’t experience the kind of severe weather patterns that Texas cities on the Gulf Coast see. And El Paso County has a lower crash rate than most other Texas counties.
The following table compares car insurance costs in Texas with the El Paso average.
Car Insurance Costs in El Paso vs. Texas  | Average Monthly Quote |
|---|---|
| El Paso average | $139 |
| Texas average | $158 |
Rates start at just $38/mo. for minimum coverage
State Farm offers the cheapest car insurance in El Paso, with an average cost of $38 for liability-only coverage.
State Farm offers the cheapest full-coverage rates, at $75 per month.
People in El Paso typically drive an average of 9,119 miles annually, which is less than the national average of 13,476 miles.[1] The city has some unique driving considerations to keep in mind, including:
Congestion: El Paso County is home to three of the 100 most congested roads in Texas, according to 2025 data from the Texas Department of Transportation (TxDOT). These roads are Montana Avenue, CanAm Highway, and Gateway Boulevard.
Construction: TxDOT is currently improving Artcraft Road between the New Mexico state line and I-10. The state also plans to widen a six-mile stretch of I-10 in the coming years. These and other projects could increase the likelihood of accidents.
Uninsured drivers: Approximately 14.5% of Texas drivers are uninsured, according to Insurify data. This may push up your car insurance premiums in El Paso.
Weather risks: Although hurricanes generally aren’t a problem in El Paso, the city has other natural hazards drivers should be wary of, including flash flooding, high winds, tornadoes, and severe thunderstorms.[2]
Data shows that El Paso County had 1,066 vehicle thefts in the first two quarters of 2025, the 56th-highest in the nation. Compared to other cities its size, El Paso’s rate of vehicle theft is moderate.
High vehicle theft rates can lead drivers to pay higher insurance premiums than in areas with lower theft rates.
El Paso is among the cheapest cities in Texas for car insurance, with less traffic congestion and lower theft rates than many other cities in the state. The cheapest city is Abilene, with a monthly cost of $80 for liability-only coverage compared to El Paso’s $91. Houston drivers pay $156 per month for liability coverage, the highest premiums in the state.
The table below shows the average monthly car insurance quotes for various Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $130 |
| Amarillo | $151 |
| Arlington | $164 |
| Austin | $164 |
| Beaumont | $173 |
| Brownsville | $161 |
| Corpus Christi | $164 |
| Dallas | $179 |
| Denton | $153 |
| El Paso | $139 |
| Fort Worth | $157 |
| Galveston | $163 |
| Garland | $180 |
| Grand Prairie | $168 |
| Houston | $212 |
| Huntsville | $153 |
| Irving | $168 |
| Killeen | $145 |
| Laredo | $153 |
| Lubbock | $146 |
| McAllen | $171 |
| Mesquite | $179 |
| Midland | $147 |
| Odessa | $162 |
| Plano | $158 |
| San Antonio | $166 |
| San Marcos | $151 |
El Paso traffic is relatively light compared to that in bigger cities, which can lead to lower insurance rates. The average commute time in 2024 was just over 24 minutes, compared to the Texas average of 26.6 minutes and the Harris County (Houston) average of 29 minutes.[3]
El Paso does have congestion, especially on Montana Avenue from Global Reach Drive to Joe Battle Boulevard. But compared to larger cities, El Paso’s congestion is light.
Traffic can be heavier when the University of Texas at El Paso and Texas Tech Health El Paso are in session. Although El Paso isn’t a large college town, the presence of students can increase traffic.
The average monthly cost for state-minimum car insurance in El Paso is $91. That’s much cheaper than full coverage, which costs $187 per month. But minimum coverage might not meet your insurance needs if you’re involved in an accident.
Texas law requires drivers to have a minimum amount of liability insurance. To avoid citation, you must have at least $30,000 of coverage for injuries per person, $60,000 for injuries per accident, and $25,000 for property damage.[4]
The data below shows the cheapest rates for liability-only car insurance in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| Allstate | $54 |
| Mile Auto | $55 |
| Progressive | $55 |
| GEICO | $62 |
| USAA | $68 |
| Mercury | $76 |
| First Acceptance | $77 |
| The General | $80 |
| Alinsco | $81 |
| Lone Star | $84 |
| Nationwide | $85 |
| Commonwealth Casualty | $86 |
| GAINSCO | $86 |
| Bristol West | $89 |
| Clearcover | $89 |
| Dairyland | $90 |
| Root | $90 |
| Covercube | $91 |
| Mendota | $93 |
| AssuranceAmerica | $94 |
| Excepsure | $98 |
| Sun Coast | $99 |
| Safeco | $100 |
| Direct Auto | $101 |
| National General | $102 |
| Elephant | $106 |
| Loop | $106 |
| Chubb | $116 |
| Trexis One | $121 |
| 21st Century | $134 |
| Insurify Car | $137 |
| Hugo | $138 |
| Liberty Mutual | $163 |
Get a minimum-coverage quote in 2 minutes, buy a policy in 4
State Farm offers the cheapest full-coverage car insurance in El Paso, with average premiums of $75 per month. That’s much cheaper than the average rate in Texas, which is $206 per month.
Full-coverage car insurance, which includes comprehensive and collision coverage, is a smart buy in El Paso, where hazards like heat waves, severe thunderstorms, flash floods, and high winds are common.
Here are the cheapest rates for full-coverage car insurance in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $75 |
| Progressive | $103 |
| Allstate | $106 |
| Mercury | $121 |
| Mile Auto | $122 |
| GEICO | $129 |
| USAA | $134 |
| Root | $148 |
| Safeco | $149 |
| Clearcover | $155 |
| Alinsco | $158 |
| Direct Auto | $158 |
| Elephant | $165 |
| GAINSCO | $165 |
| Nationwide | $168 |
| National General | $169 |
| Bristol West | $172 |
| AssuranceAmerica | $175 |
| The General | $178 |
| Mendota | $181 |
| Commonwealth Casualty | $188 |
| First Acceptance | $190 |
| Loop | $194 |
| Sun Coast | $195 |
| Lone Star | $196 |
| Covercube | $209 |
| Dairyland | $216 |
| Chubb | $226 |
| Liberty Mutual | $238 |
| Trexis One | $248 |
| 21st Century | $261 |
*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on June 4, 2026. 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 3.45% of drivers in El Paso have a ticket, according to Insurify data. Speeding tickets in El Paso cost between $159 and $558.50, depending on the zone (such as a school or construction zone) and how fast you were going.[5] They can also affect your insurance costs. El Paso drivers with a ticket typically pay $114 per month for liability coverage, but it’s still possible to find affordable car insurance.
The following table data shows the cheapest rates for drivers with a speeding ticket in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| Mile Auto | $67 |
| Progressive | $69 |
| Allstate | $70 |
| GEICO | $81 |
| USAA | $88 |
| First Acceptance | $96 |
| Alinsco | $101 |
| Commonwealth Casualty | $102 |
| GAINSCO | $103 |
| Mercury | $105 |
| Lone Star | $105 |
| The General | $107 |
| Root | $107 |
| Nationwide | $110 |
| Dairyland | $112 |
| Bristol West | $112 |
| Clearcover | $114 |
| Covercube | $114 |
| Mendota | $117 |
| AssuranceAmerica | $120 |
| Excepsure | $123 |
| Sun Coast | $124 |
| Direct Auto | $127 |
| National General | $127 |
| Elephant | $128 |
| Safeco | $131 |
| Loop | $133 |
| Chubb | $148 |
| Trexis One | $152 |
| Insurify Car | $172 |
| Hugo | $176 |
| 21st Century | $177 |
| Liberty Mutual | $208 |
If you cause a traffic accident, your insurance rates may increase. Approximately 3.7% of El Paso drivers have an at-fault accident on their record, according to Insurify data. The average cost for liability coverage with an accident is $121 per month.
Here are the cheapest insurers for post-accident coverage in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| Allstate | $73 |
| Progressive | $73 |
| Mile Auto | $74 |
| GEICO | $82 |
| USAA | $92 |
| First Acceptance | $102 |
| Alinsco | $108 |
| The General | $111 |
| GAINSCO | $111 |
| Lone Star | $112 |
| Root | $114 |
| Mercury | $114 |
| Commonwealth Casualty | $114 |
| Nationwide | $115 |
| Bristol West | $118 |
| Dairyland | $120 |
| Covercube | $121 |
| Mendota | $124 |
| AssuranceAmerica | $125 |
| Clearcover | $127 |
| Excepsure | $130 |
| Sun Coast | $132 |
| National General | $136 |
| Direct Auto | $138 |
| Elephant | $139 |
| Safeco | $140 |
| Loop | $141 |
| Chubb | $155 |
| Trexis One | $161 |
| Insurify Car | $182 |
| 21st Century | $183 |
| Hugo | $184 |
| Liberty Mutual | $217 |
Getting a DWI/DUI in Texas is expensive. Fines range from $2,000 for the first offense to $10,000 for the third offense, plus potential jail time.[6] The El Paso County Sheriff’s Office has a multi-agency DWI Task Force, and Insurify data shows that 0.45% of El Paso drivers have a DWI.
Having a DWI on your driving record can mark you as a high-risk driver and raise your insurance rates. The data below shows the cheapest rates for drivers with a DWI in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $54 |
| Progressive | $76 |
| Allstate | $76 |
| Mile Auto | $78 |
| GEICO | $87 |
| USAA | $96 |
| First Acceptance | $106 |
| The General | $109 |
| Alinsco | $112 |
| Mercury | $114 |
| Lone Star | $116 |
| Commonwealth Casualty | $118 |
| Nationwide | $120 |
| Clearcover | $120 |
| GAINSCO | $121 |
| Bristol West | $126 |
| Covercube | $126 |
| Dairyland | $127 |
| Root | $127 |
| Mendota | $128 |
| AssuranceAmerica | $133 |
| Excepsure | $135 |
| Sun Coast | $137 |
| Direct Auto | $143 |
| National General | $144 |
| Loop | $146 |
| Elephant | $150 |
| Safeco | $150 |
| Chubb | $164 |
| Trexis One | $167 |
| 21st Century | $182 |
| Insurify Car | $189 |
| Hugo | $195 |
| Liberty Mutual | $230 |
Insurify works with 120+ insurers to show you the most accurate rates
Texas law lets teens get their learner’s permit at 15 and their driver’s license at 16. In 2024, 19% of motor vehicle crashes in Texas involved teens, and insurance costs reflect this statistic.
The monthly cost of liability car insurance for teens in El Paso is $178. The following data shows the cheapest rates for teenage drivers in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| Progressive | $108 |
| Allstate | $111 |
| GEICO | $116 |
| Mile Auto | $117 |
| USAA | $130 |
| Root | $142 |
| Mercury | $144 |
| The General | $150 |
| First Acceptance | $151 |
| Clearcover | $152 |
| Alinsco | $158 |
| GAINSCO | $159 |
| Dairyland | $163 |
| Bristol West | $164 |
| Lone Star | $164 |
| Commonwealth Casualty | $167 |
| Nationwide | $172 |
| Covercube | $178 |
| Mendota | $182 |
| Excepsure | $192 |
| Sun Coast | $194 |
| Elephant | $197 |
| AssuranceAmerica | $201 |
| Direct Auto | $203 |
| Loop | $207 |
| Safeco | $210 |
| National General | $211 |
| Trexis One | $237 |
| Chubb | $247 |
| 21st Century | $250 |
| Hugo | $264 |
| Insurify Car | $268 |
| Liberty Mutual | $297 |
Around 21% of El Paso residents are aged 60 or older, according to U.S. Census Bureau data. El Paso seniors pay an average of $159 per month for full coverage and $77 for liability-only policies.
Below are the cheapest car insurance rates for senior drivers in El Paso.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $30 |
| Mile Auto | $43 |
| Allstate | $43 |
| Progressive | $47 |
| GEICO | $49 |
| USAA | $55 |
| Mercury | $60 |
| Nationwide | $64 |
| First Acceptance | $65 |
| The General | $68 |
| Commonwealth Casualty | $69 |
| Alinsco | $69 |
| Lone Star | $71 |
| AssuranceAmerica | $73 |
| GAINSCO | $73 |
| Bristol West | $74 |
| Dairyland | $76 |
| Covercube | $77 |
| Clearcover | $78 |
| Mendota | $79 |
| National General | $79 |
| Direct Auto | $82 |
| Root | $82 |
| Excepsure | $83 |
| Sun Coast | $84 |
| Elephant | $86 |
| Safeco | $87 |
| Chubb | $87 |
| Loop | $90 |
| Trexis One | $103 |
| 21st Century | $104 |
| Insurify Car | $116 |
| Hugo | $119 |
| Liberty Mutual | $134 |
The answers to some of the most common questions about car insurance in El Paso can help you find the best car insurance company for your needs and budget.
Car insurance costs an average of $91 per month for liability-only coverage and $187 for full coverage in El Paso, Insurify data shows. Your premium depends on the coverages you choose and other factors, like your age, gender, and vehicle.
State Farm is the cheapest car insurance company in El Paso, with liability-only coverage averaging $38 per month. The most affordable car insurance in El Paso can vary from driver to driver.
The primary factors that affect car insurance rates in El Paso include your age, gender, driving record, claims history, ZIP code, car type, typical mileage, and credit history.
You can lower your car insurance coverage in El Paso, as long as you have at least the minimum insurance requirements of $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. Leveraging discounts, maintaining safe driving habits, and comparing El Paso car insurance quotes are the best ways to lower your costs.
Progressive has lower rates than GEICO in El Paso. You’ll pay a low-cost monthly average of $71 for liability-only coverage from Progressive, compared to $83 for GEICO.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.