Cheap Auto Insurance Quotes in El Paso, TX (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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.

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Cheapest Car Insurance in El Paso, TX

Here are the cheapest carriers in El Paso for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in El Paso. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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El Paso, TX Driving Facts

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.

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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
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 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.

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

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how El Paso stacks up for the state of Texas:

ford
Ford F-Series Pickup
Most Popular Car in
El Paso, TX
suspended licenses
#65
Cities with Most
Suspended Licenses Rank

FAQs - El Paso, TX Car Insurance

Will my auto insurance cover me in Juarez, Mexico?

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.

Can my car insurance rate be affected by the El Paso neighborhood I live in?

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.

Is auto coverage affordable in El Paso?

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.