Best Cheap Auto Insurance in El Paso, Texas (2024)

State Farm offers the cheapest car insurance in El Paso, with minimum-coverage policies as low as $33 per month.

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Elizabeth Rivelli
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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.

Updated March 26, 2024

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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 $220 per month, while liability-only coverage averages $92. By comparison, the state-level averages are $248 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 $265 per month, overall.

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Best car insurance companies in El Paso

Many car insurance companies insure drivers in El Paso. However, 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.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$54/mo

State Farm has 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
  • Cheapest average auto insurance rates in El Paso 

  • Wide variety of available discounts

Cons
  • Limited coverage options

  • Gap insurance not available

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$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

  • Few add-on coverages

Roy - March 21, 2024
Verified

My Review

USAA is the best.

Gary - March 18, 2024
Verified

Poor

Too darn high.

Gabrielle - March 16, 2024
Verified

Just Don't! Save Yourself!

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
Read our USAA review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$36/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 available discounts

  • Highly rated mobile app allows for easy policy management

Cons
  • Few endorsements

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

Radera - March 26, 2024
Verified

Don't Recommend

I wouldn't recommend them. They seem to look for any reason to cancel your policy.

Jan - March 25, 2024
Verified

Average

Rigid on pricing.

Linda - March 23, 2024
Verified

Best for the Money

They were helpful in trying to lower my bill.
Read our GEICO review

Cheapest liability-only car insurance in El Paso

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. However, it won’t cover your injuries or damage to your vehicle if you’re in an accident.

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, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Monthly Quote
State Farm33
GEICO36
Hugo45
Mile Auto45
Allstate46
USAA59
Safeco68
Nationwide77
Mercury80
Midvale Home & Auto82
Progressive82
Dairyland88
Clearcover90
Chubb99
National General103
Liberty Mutual106
Elephant108
Commonwealth Casualty111
Direct Auto113
21st Century114
The General125
GAINSCO126
Bristol West138
State Auto148
AssuranceAmerica154
Infinity160
Foremost183
Hallmark193
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

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. However, 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.

Here are the cheapest car insurance companies in El Paso for full-coverage insurance.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Monthly Quote
State Farm54
GEICO59
Allstate76
Mile Auto90
USAA97
Clearcover119
Hugo122
Mercury126
Travelers136
Nationwide138
Progressive146
Midvale Home & Auto147
Safeco147
Chubb164
Elephant176
21st Century190
AssuranceAmerica200
Liberty Mutual217
Direct Auto222
Dairyland223
National General226
Infinity245
The General252
Bristol West261
State Auto272
GAINSCO274
Commonwealth Casualty285
Foremost368
Hallmark383
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.

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Car insurance requirements in Texas

Vehicle owners in El Paso must carry liability insurance with at least 30/60/25 coverage limits.[1] 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.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $30,000 per person

    • $60,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    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.

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.[2] However, 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

Liability-only rates start at $33/mo.

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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, on average, $129 monthly for liability coverage. The table below shows the average monthly full-coverage and liability-only rates top insurance companies offer to El Paso drivers with speeding tickets.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm6841
GEICO7546
Allstate9759
USAA12375
Mile Auto13165
Clearcover164124
Hugo17163
Nationwide17899
Mercury185117
Progressive194109
Safeco20595
Chubb212128
Elephant226139
21st Century252151
AssuranceAmerica274211
National General290132
Direct Auto293149
Dairyland294116
Liberty Mutual298145
Infinity324212
The General332165
Bristol West338179
GAINSCO341157
Commonwealth Casualty353138
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.[3]

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 $137 per month for liability coverage, and $328 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, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7344
GEICO8049
Allstate10363
USAA13280
Mile Auto14070
Hugo16661
Nationwide189106
Clearcover191145
Mercury196124
Progressive207116
Safeco219101
Chubb224136
Elephant242148
21st Century267160
AssuranceAmerica286220
Dairyland310122
Direct Auto313159
National General313143
Liberty Mutual317155
Infinity324212
Bristol West354187
The General354176
GAINSCO367169
Commonwealth Casualty391152
State Auto405221
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 can expect their monthly rates to increase to $372, on average, for full coverage and $156 for liability. 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, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm8853
GEICO9658
Allstate12375
Mile Auto14673
USAA15796
Hugo18669
Clearcover193146
Mercury209133
Nationwide224125
Progressive237133
Safeco238110
Chubb266160
Elephant285175
21st Century308185
AssuranceAmerica324250
Liberty Mutual352172
Direct Auto360183
Dairyland361143
National General366167
Infinity397259
The General408203
Commonwealth Casualty417163
Bristol West423224
State Auto441240
GAINSCO444204
Foremost596297
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.
Learn More: DWI vs. DUI: What’s the Difference?

Learn More: DWI vs. DUI: What’s the Difference?

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 $65 monthly for liability-only insurance, and $156 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, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm2717
GEICO3320
Allstate4326
Mile Auto5226
USAA5634
Progressive6637
Nationwide6838
Chubb7847
Mercury7950
Clearcover9975
Safeco9946
21st Century10161
Elephant10162
AssuranceAmerica10984
Direct Auto12463
Liberty Mutual12662
Dairyland13754
National General15068
Bristol West15482
The General16481
GAINSCO18183
Commonwealth Casualty18371
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 generally 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.[4]

However, 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 $374 per month for full coverage, and $156 for liability. 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, March 26 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9055
GEICO9155
Allstate13079
USAA15695
Mile Auto16985
Clearcover208158
Hugo21479
Mercury227144
Nationwide230128
Progressive254143
Safeco257119
Elephant284174
Chubb295178
21st Century310186
Dairyland353139
Liberty Mutual359175
AssuranceAmerica374288
The General392195
Direct Auto397202
Infinity403263
National General422192
Bristol West423224
State Auto476259
GAINSCO482222
Commonwealth Casualty489190
Foremost644320
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.

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:[5]

  • 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.

Find Cheap Car Insurance in El Paso

Full-coverage rates start at $54/mo. for El Paso drivers

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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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 score 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 slightly more for car insurance than the average American. The U.S. national average cost of car insurance is $212 per month for full coverage and $103 per month for liability coverage. For comparison, the average rate in El Paso is $220 per month for full coverage and $92 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. For example, the average car insurance premium in Austin is higher than the average rate in El Paso. 

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

CityFull CoverageLiability Only
Abilene$207$93
Amarillo$242$105
Austin$235$129
Corpus Christi$230$122
Fort Worth$242$123
Houston$315$170
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 $220 per month for full-coverage insurance and $92 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 $33 per month.

    El Paso drivers can also find cheap rates from GEICO and Hugo, which have liability rates as low as $36 and $45, 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.

Sources

  1. Texas Department of Insurance. "Automobile insurance guide." Accessed July 21, 2023
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 21, 2023
  3. Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed July 21, 2023
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed July 21, 2023
  5. Insurance Information Institute. "How to save money on car insurance." Accessed July 21, 2023
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed July 21, 2023
Elizabeth Rivelli
Elizabeth Rivelli

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

Ashley Cox
Edited byAshley CoxSenior Managing Editor
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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