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Cheap Auto Insurance Quotes in El Paso, TX (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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For many, El Paso is the ideal place to live or visit. Situated adjacent to the Mexico border, it has a culture all its own. While many love this part of the south, driving here isn’t as favored. Traffic in El Paso is often chaotic, as it’s said that drivers will do just about whatever they want on the road. When the actions of the person in front of you are so uncertain, it’s crucial that you have a comprehensive auto insurance policy in the event of an accident.

Quick Facts

  • The average cost of car insurance in El Paso is $221 per month, or $2652 annually.
  • Car insurance in El Paso is $6 more than the average cost of car insurance in Texas.
  • The cheapest car insurance provider in El Paso on average is Progressive, but you should always compare quotes to find your best personal rate.

Car Insurance in El Paso, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in El Paso, TX to find you the cheapest quotes in the area.

Quotes by Top Companies

Allstate
$96
Mercury
$155
State Farm
$201
Nationwide
$211

Cheapest Car Insurance in El Paso, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in El PasoQuotes
Allstate$96 /mo
Mercury$155 /mo
State Farm$201 /mo
Nationwide$211 /mo

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Best Car Insurance in El Paso, TX

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in El Paso. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$127 /mo
American Family89$248 /mo
Nationwide89$301 /mo
Safeco86$179 /mo
Liberty Mutual82$279 /mo

Average Car Insurance Cost

Texas Cities
Houston$222/mo
San Antonio$225/mo
Dallas$258/mo
Austin$203/mo
El Paso$166/mo
Texas$215/mo
El Paso
$166
Austin
$203
Average for TX
$215
Houston
$222
San Antonio
$225
Dallas
$258
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in TX

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.

  • $25,000 propery damage liability per accident

The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

El Paso Car Insurance Rates by Driver Age

Teenage Texans pay $497 a month to drive in El Paso, which is a lot of money to scrounge up at a part-time job after school. Young adults add a few more years behind the wheel and shave $200 off the monthly price. The monthly rate drops below the state average of $270 for everyone older than 30. People near retirement age get the best deal and pay $159 per month, an amount over $300 cheaper than the youngest drivers.

Driver's AgeAvg. Monthly Cost
teens$498
20s$276
30s$239
40s$218
50s$218
60s$159
70s$165
80s$194

El Paso Car Insurance Rates by Driving and Accident History

Does safe driving equal smart driving in the Lone Star State? El Paso insurance companies answer yes and give “good driver” and “accident-free” discounts as rewards. A failure-to-stop ticket will shoot a driver’s rate up $56, an over $600 yearly cost, making it more than unwise to run a stop sign or red light. Even if a driver has a less-than-perfect driving record, there’s still hope. After three years, violations and accidents stop affecting car insurance premiums.

Driving HistoryAvg. Monthly Cost
No Violation$239
Speeding Ticket$273
At-Fault Accident$272
Failure to Stop for Red Light / Stop Sign$294

El Paso Car Insurance Rates by Credit Tier

Like most states in the nation, Texas allows insurance companies to use credit as a factor when setting a driver’s rate. And just what does credit have to do with the ability to drive? That’s a topic that’s up for debate, but insurance companies argue the data shows a correlation. Either way, in El Paso, those with average credit seem to pay the least. People with better credit may choose to finance costlier cars or buy higher coverage levels to protect their assets. Drivers with excellent credit are paying $31 more for coverage than those with average credit.

Credit TierAvg. Monthly Cost
Excellent$260
Good$255
Average$230
Poor$243

Find local El Paso agents

  • Flor & Associates Insurance Agency 

    1005 E Yandell,
    El Paso, TX 79902
  • Aguilar-Granillo Insurance Agency 

    620 N Resler Dr.,
    Ste. B, El Paso, TX 79912-2256
  • Perez & Company Insurance Agency 

    6044 Gateway Blvd E Ste 808,
    El Paso, TX 79905-2058
  • Gold Key Insurance West 

    1385 Resler,
    El Paso, TX 79912
  • Sellers Insurance Agency, Inc. 

    P.O. Box 9038,
    El Paso, TX 79995
  • El Paso Association of Insurance Agents 

    5959 Gateway West,
    El Paso, TX 79925
  • C D Lee Britton Insurance 

    2244 Trawood Dr. Ste 208,
    El Paso, TX 79935-3022
  • Action Insurance Agency 

    1790 N. Lee Trevino Dr.,
    El Paso, TX 79936
  • Loy Insurance Agency 

    6044 Gateway Blvd E,
    El Paso, TX 79905-2042
  • Desert West Insurance Agency, Inc. 

    P.O. Box 640210,
    El Paso, TX 79904
View more

El Paso, TX DMV Information

Nearing close to one million residents in the greater metropolitan area, El Paso is a busy place. Thankfully, there are four DMV offices located throughout the city limits. If you’re in need of specific services, like auto registration, there are separate offices that can help with these items and work to take some of the pressure off of busy DMV offices.

Public Transportation in El Paso, TX

Like many other large cities in the U.S., El Paso is easy to navigate without a car. Its bus system reaches nearly anywhere within city limits, although lines do not run in the evening. For nighttime travel, Uber or Lyft are your best options. It’s important to note that whether you’re using public transportation or driving yourself, some areas of El Paso can be dangerous, so it’s smart to be familiar with your surroundings ahead of time.

How to get the best and cheapest car insurance in El Paso, TX

As long as you have an air-conditioned vehicle and you give yourself plenty of time to arrive at your destination, driving in El Paso should be fairly straightforward. Some highways are often busier than others, so once you learn your way around, you’ll be able to take advantage of quicker routes. It’s best to be on high alert when driving in El Paso, as motorists can change lanes or even stop in the middle of the road without warning.

If you’re in need of affordable car insurance but don’t want to spend hours comparing prices, visit Insurify today. After answering a few simple questions, you can enroll in the policy that makes the most sense for you.

FAQs - El Paso, TX Car Insurance

  • El Paso’s border city, Juarez, has its own stipulations when it comes to auto insurance. If you’re planning on driving in Mexico, it’s advised that you obtain additional coverage.
  • Insurance companies take many factors into consideration when determining the premium that you pay. It’s common for residents of El Paso to pay different rates based on the likelihood of accidents in their area.
  • On average, Texas residents tend to pay 26.8 percent more than the national average for auto insurance. Keep in mind that your individual premium may be higher or lower than other El Paso residents.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How El Paso Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in El Paso, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how El Paso drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in El Paso

#63

City with the Most Speeding Tickets Rank in Texas

#142

City with the Most Moving Violations Rank in Texas

#68

City with the Most DUIs Rank in Texas

#129

City with the Most Suspended Licenses in Texas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. El Paso drivers rank 143 in the number of car accidents per driver across all cities in Texas.

    • Rank within state: #143
    • Percent of drivers in El Paso with an accident: 8.33%
    • Drivers in El Paso, TX with an accident in their driving history pay on average 38.69% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, El Paso drivers rank 63 in the number of speeding infractions per driver.

    • Rank within state: #63
    • Percent of drivers in El Paso with a speeding ticket: 9.42%
    • Drivers in El Paso, TX with a speeding ticket in their driving history pay on average 29.65% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. El Paso drivers rank 68 in the number of DUI’s per driver across all cities in Texas.

    • Rank within state: #68
    • Percent of drivers in El Paso with a DUI: 1.47%
    • Drivers in El Paso, TX with a DUI in their driving history pay on average 49.75% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in El Paso is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, El Paso drivers rank 27 in rude driving infractions.

    • Rank within state: #27
    • Percent of drivers in El Paso with a reckless driving violation: 1.78%
    • Drivers in El Paso, TX with a reckless driving violation in their driving history pay on average 30.15% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; El Paso drivers rank 40 in clean driving records across all cities in Texas.

    • Rank within state: #40
    • Percent of drivers in El Paso with clean record: 82.93%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. El Paso drivers rank 2 in failure to yield violations per driver across all cities in Texas.

    • Rank within state: #2
    • Percent of drivers in El Paso with a failure to yield violation: 0.44%
    • Drivers in El Paso, TX with a failure to yield violation in their driving history pay on average 1800% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, El Paso drivers rank 22 in the number of reckless driving offenses per driver.

    • Rank within state: #22
    • Percent of drivers in El Paso with a reckless driving offense: 0.02%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. El Paso drivers rank 70 in hybrid and electric vehicle ownership across all cities in Texas.

    • Rank within state: #70
    • Percent of drivers in El Paso with a hybrid/electric vehicle: 0.99%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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