Cheapest Auto Insurance in El Paso, Texas (2024)

State Farm offers the cheapest car insurance in El Paso, with minimum-coverage policies as low as $32 per month.

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Elizabeth Rivelli
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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.

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Ashley Cox
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Mark Friedlander
Reviewed byMark Friedlander
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Konstantin 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 May 29, 2024

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Cheapest recent rates near El Paso, Texas

Recent El Paso, Texas car insurance prices for Nissan, GMC, Dodge , and more.

*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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 $219 per month, while liability-only coverage averages $93. By comparison, the state-level averages are $251 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 $268 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$64$38Cheap rates
USAA4.7$113$68Military families
GEICO4.4$69$42Discounts
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.6
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.
$32/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 

  • Wide variety of discounts

Cons
  • Limited coverage options

  • Gap insurance not available

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

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.
4.7
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.
$57/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.
$95/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

Read our USAA review
Jacqueline - May 28, 2024
Verified

Experience was fine other than the security issue

The only reason I'm looking for automobile insurance is because USAA canceled my policy on the 24th. I no longer have the phone that is in my profile and they were unable to send the 6-digit code for verification. So, basically, I was and still am locked out of my account. The representatives couldn't discuss my account with me due to strict security.

Joey - May 27, 2024
Verified

Bait and Switch at Its Worst

After receiving a quote of $54 for the first payment, and $40+ per month, Suzi insisted on 'reviewing' the answers I submitted online. She took this opportunity to add coverage I didn't request or want. When she finished, her offer was over $200/month. No thanks, 'Suzi'.

Mary - May 26, 2024
Verified

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

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.
4.4
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.
$35/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.
$58/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

Read our GEICO review
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

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 $32/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: Thursday, May 23 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 Farm32
GEICO35
Allstate46
Mile Auto46
Hugo47
USAA57
Safeco68
Nationwide73
Mercury76
Midvale Home & Auto83
Progressive83
Dairyland88
Clearcover94
Chubb98
National General102
Liberty Mutual106
Elephant108
Direct Auto111
21st Century113
Commonwealth Casualty114
The General120
GAINSCO130
Bristol West134
State Auto150
AssuranceAmerica151
Infinity161
Hallmark179
Foremost184
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 $219 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: Thursday, May 23 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
GEICO58
Allstate76
Mile Auto94
USAA95
Clearcover120
Hugo121
Mercury121
Nationwide137
Safeco143
Progressive145
Midvale Home & Auto148
Chubb163
Elephant180
21st Century188
AssuranceAmerica201
Liberty Mutual222
Direct Auto225
National General225
Dairyland227
Infinity251
The General251
Bristol West267
State Auto272
GAINSCO283
Commonwealth Casualty297
Foremost376
Hallmark389
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 Much Other Insurify Customers Pay in and around El Paso, Texas

Drivers using Insurify have found quotes as cheap as $64/mo for full coverage and $68/mo for liability only in El Paso and other Texas cities.

*Quotes generated for Insurify users in and around El Paso, Texas within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for your car repairs or replacement if you hit a stationary object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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

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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 $133 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: Thursday, May 23 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 CompanyClean Driving RecordWith Speeding Ticket
State Farm3241
GEICO3545
Allstate4660
Mile Auto4664
Hugo4764
USAA5774
Safeco6890
Nationwide7396
Mercury76106
Midvale Home & Auto83111
Progressive83108
Dairyland88115
Clearcover94123
Chubb98129
National General102146
Liberty Mutual106152
Elephant108155
Direct Auto111146
21st Century113151
Commonwealth Casualty114163
The General120158
GAINSCO130186
Bristol West134172
State Auto150212
AssuranceAmerica151200
Infinity161217
Hallmark179233
Foremost184263
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 $335 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: Thursday, May 23 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 CompanyClean Driving RecordWith Accident
State Farm3244
GEICO3548
Allstate4663
Mile Auto4669
Hugo4763
USAA5779
Safeco6891
Nationwide73102
Mercury76111
Midvale Home & Auto83121
Progressive83117
Dairyland88121
Clearcover94138
Chubb98136
National General102140
Liberty Mutual106159
Elephant108147
Direct Auto111157
21st Century113159
Commonwealth Casualty114155
The General120169
GAINSCO130174
Bristol West134182
State Auto150228
AssuranceAmerica151209
Infinity161219
Hallmark179240
Foremost184277
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 $378 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: Thursday, May 23 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 CompanyClean Driving recordWith DUI
State Farm3255
GEICO3560
Allstate4678
Mile Auto4671
Hugo4780
USAA5797
Safeco68116
Nationwide73124
Mercury76117
Midvale Home & Auto83141
Progressive83141
Dairyland88150
Clearcover94160
Chubb98167
National General102174
Liberty Mutual106181
Elephant108184
Direct Auto111189
21st Century113192
Commonwealth Casualty114194
The General120204
GAINSCO130221
Bristol West134228
State Auto150256
AssuranceAmerica151257
Infinity161274
Hallmark179305
Foremost184313
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 $67 monthly for liability-only insurance and $158 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: Thursday, May 23 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 CompanyFull CoverageLiability Only
State Farm3923
GEICO4326
Allstate5734
Mile Auto6632
USAA7042
Hugo8031
Mercury8553
Clearcover8970
Nationwide9551
Progressive9755
Midvale Home & Auto10559
Safeco10751
Chubb11167
21st Century13179
Elephant13279
AssuranceAmerica142107
Direct Auto16180
Liberty Mutual16378
National General16976
Dairyland17066
Infinity176113
The General19292
State Auto195108
Bristol West200100
GAINSCO21699
Commonwealth Casualty21984
Foremost273134
Hallmark276127
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 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 $376 per month for full coverage and $160 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: Thursday, May 23 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 CompanyFull CoverageLiability Only
GEICO8954
State Farm8953
Allstate13078
USAA15492
Mile Auto17887
Hugo20680
Mercury215135
Clearcover228179
Nationwide228122
Midvale Home & Auto251141
Progressive256147
Elephant290174
Chubb293176
Safeco293139
21st Century305183
AssuranceAmerica364274
Dairyland371144
The General396189
Direct Auto401198
Liberty Mutual404193
National General410186
Bristol West443223
Infinity449288
State Auto470259
GAINSCO494227
Commonwealth Casualty514197
Foremost650318
Hallmark675310
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 $215 per month for full coverage and $104 per month for liability coverage. For comparison, the average rate in El Paso is $219 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.

CityFull CoverageLiability Only
Arlington$254$126
Austin$240$128
Corpus Christi$231$122
Dallas$284$137
Fort Worth$245$123
Galveston$248$123
Houston$320$170
Midland$238$100
Plano$244$124
San Antonio$246$125
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 $219 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 $32 per month.

    El Paso drivers can also find cheap rates from GEICO and Allstate, which have monthly liability rates as low as $35 and $46, 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. Insurance Information Institute. "How to save money on car insurance."
  2. Texas Department of Insurance. "Automobile insurance guide."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
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
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.

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