Cheapest Car Insurance Quotes in El Paso

Located on the U.S.-Mexico border near Juárez, El Paso, Texas, sits on the Rio Grande at the bottom of the Franklin Mountains. The average cost of car insurance in El Paso is $164 per month or $1,968 per year for drivers purchasing liability-only policies. Drivers with full-coverage car insurance pay an average of $290 per month and $3,480 per year. 

The statewide average in Texas, by comparison, is $263 per month and $3,156 per year. People with liability-only coverage in El Paso pay around 38% less per year than the Texas state average.

How much does car insurance cost in El Paso?

Insurify data scientists carefully analyzed the latest insurance rates in El Paso to find the cheapest quotes from auto insurers in the city:

• State Auto has the cheapest liability-only insurance.

• Progressive has the cheapest full-coverage insurance.

• Progressive also has the cheapest insurance for new/young drivers.

Because insurance costs vary widely in El Paso and elsewhere, you may not qualify for the lowest available rates. For instance, full-coverage quotes range between $136 and $468 per month, while liability-only insurance quotes range between $57 and $828 per month. 

Comparing quotes from multiple insurers allows you to find the best deal for coverage that meets your needs. Ben Gonzalez, Communication Specialist at the Texas Department of Insurance, says information in the 2022 Texas Private Passenger Auto Statistical Plan “shows how many El Paso drivers have liability policies (591,488) and how many also have collision policies (352,540).”

The right amount of coverage varies based on your insurance needs.

See More: Cheap Car Insurance in Texas

Average cost of auto insurance in El Paso

The average monthly cost of car insurance in El Paso is $217, with full-coverage policies costing $279 per month on average and liability-only policies costing $156 per month on average.

The following data highlights the average cost of car insurance in El Paso for 33 insurers. Mile Auto offers the lowest average monthly costs, and Stillwater has the highest average monthly cost. Because these rates are averages, your rate could be lower or higher depending on a number of factors.

Average car insurance premiums in El Paso by marital status

Marital status also affects car insurance premiums, though simply being married doesn’t automatically cause your premiums to increase or decrease. Rather, your rates could change if you decide to add your spouse to your policy because two separate policies for you and your partner may cost more than one coverage plan. 

In El Paso, married drivers pay an average of $257 per month for a full coverage policy, while unmarried drivers pay an average of $310 per month.

Some insurers offer discounts for married policyholders or those with multiple vehicles. However, most insurers base rates on factors like driving record and credit reports, so if your spouse has a driving background that could negatively affect your rate, you may end up paying more for a combined policy.

Cheapest car insurance in El Paso: State Auto

State Auto offers the cheapest car insurance in El Paso for a liability-only policy, at just $90 per month. The cheapest rate for full-coverage insurance comes from Progressive, at $136 per month on average. 

The cheapest car insurance rates are based on a number of unique factors specific to the policyholder. The Insurance Information Institute highlights that your location, driving record, age, gender, type of vehicle, and amount of auto insurance requested are among the many considerations that influence the premium rate.^[1] Take a look at the average costs for liability and full-coverage insurance from auto insurers in El Paso in the table below. 

How much car insurance do you need in El Paso?

Texas state law requires that all motor vehicles are covered by insurance, including those operated or parked on state roadways. The minimum liability insurance requirements for private passenger vehicles in El Paso include the following:

• $25,000 per person and $50,000 per accident for bodily injury liability: This coverage type covers the cost of medical bills for people other than the policyholder who are injured during an accident. 

• $10,000 per accident for property damage liability coverage: Similarly, if the driver is at fault for property damage of the involved parties, this coverage applies. 

Because Texas is a no-fault state, both parties’ insurance providers will pay for expenses regardless of which driver caused the accident. 

All drivers in Texas must carry proof of insurance with them at all times when operating their vehicle. They must present proof of insurance when law enforcement requests it, when renewing vehicle registration, and when the vehicle is involved in an accident.  

Learn More: What is a No-Fault State?

Texas DMV information

To learn more about Texas laws related to auto insurance requirements, you can visit the Texas Department of Motor Vehicles. These locations throughout the state offer a variety of services, including vehicle registration, driver’s license renewal, changing your address, and obtaining a copy of your vehicle’s title.

Tips for getting cheap car insurance in El Paso

Car insurance rates typically vary by person and over time. Insurers may raise rates or offer new discounts, just as your premiums could increase or decrease based on your driving record, claims, and credit report. It’s important to shop around for car insurance quotes when purchasing or renewing a policy, even if you think you have the cheapest car insurance policy for you in El Paso. The III suggests drivers should shop around for car insurance by getting quotes from three different types of insurance companies, such as independent agents and online insurers.^[2] 

You can also try bundling a homeowners insurance policy to lower your premium, and you may also qualify for discounts that reward safe driving or having multiple cars on one policy. Simply increasing your deductible also decreases your monthly premium. 

When selecting coverage for your vehicle, choosing liability-only insurance costs less than full coverage. This lowers your expenses in the short-term, but you do risk paying more out of pocket if you’re involved in an accident. 

See More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in El Paso 

Age is an important factor when it comes to setting insurance premiums because insurers typically associate a lack of experience driving with an increased likelihood for claims filing. Drivers ages 16 to 19 are more at risk of being in an accident than drivers aged 20 and above, which means their premiums are often higher.^[3] Find the average monthly rate by age group below.

Cheapest car insurance for young drivers in El Paso

The cheapest full-coverage car insurance policy for young drivers in El Paso is $173 per month through Progressive, according to the averages listed below. Young drivers or their policyholder parents should inquire about discounts applicable to them, such as:

• College students temporarily living away from home 

• Anti-theft devices

• Low annual mileage

• No moving violations or accidents in three years

• Drivers education or defensive driving course completion

• Student drivers with good grades

Cheapest car insurance for middle-aged drivers in El Paso

Middle-aged drivers in El Paso find the cheapest full-coverage car insurance policy at $89 per month through Mile Auto, as visible in the table below. Middle-aged drivers should ask their insurer if they qualify for any discounts, such as:

• Auto and homeowners coverage with the same company

• Anti-theft devices

• Good credit record

• Low annual mileage

• No moving violations or accidents in three years

• Defensive driving course completion

• Long-time customer

• More than one car

Cheapest car insurance for senior drivers in El Paso

Mile Auto also offers the cheapest full-coverage car insurance for senior drivers in El Paso, at $81 per month. You’ll see the average rates from numerous auto insurers in the table below. Senior drivers should check with their insurer about available discounts, including:

• Auto and homeowners coverage with the same company

• Anti-theft devices

• Good credit record

• Low annual mileage

• No moving violations or accidents in three years

• Higher deductible

• Long-time customer

• More than one car

How credit scores affect cheap car insurance in El Paso

The state of Texas allows insurers to use insurance credit scores. These scores are highly regulated, as Texas rules regarding the use of insurance credit scores are some of the strongest in the nation.^[4] Many insurers use credit scoring, alongside other considerations, to set your premium rates. Auto insurers assess a driver’s credit history because studies have suggested that the way a driver manages their financial affairs can act as a predictor of future insurance claims.^[5]

A lower credit score could negatively influence your insurance score, while a higher credit score could positively influence it. Generally, FICO credit scores between 670 and 739 are considered good, while those between 580 and 669 scores are considered average and scores between 300 and 579 are considered poor. The following table highlights average monthly quotes for full-coverage policies based on credit tier. 

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in El Paso

Accidents aren’t the only mistakes that can affect your insurance premiums. Any poor driving habits and a driving record with past infractions influence your rates. Serious incidents like at-fault accidents and DUIs tend to increase premiums the most. A speeding ticket or two will also increase rates, though perhaps less than a DUI — unless you exceed the speed limit by enough to receive a reckless driving charge. 

The following tables show the impact of driving infractions on insurance rates. It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with an accident in El Paso: Pronto

Below you’ll find average monthly rates for El Paso drivers with an accident, as compared to those with a clean driving record. 

Cheapest car insurance with a DUI in El Paso: Progressive

Drivers in El Paso with a DUI tend to face the highest rates, due to the high-risk nature of a DUI. Take a look at average rates by auto insurer in the table below. 

Cheapest car insurance with a speeding ticket in El Paso: SafeAuto

If charged with a speeding ticket, you’ll likely face increased premiums. Find the average rates for El Paso drivers with a speeding ticket on their record below. 

Car insurance in other Texas cities

Car insurance rates can vary significantly based on location, even within the same state. Check out insurance information for other cities in Texas.

• Cheap Auto Insurance Quotes in Austin, TX

• Cheap Auto Insurance Quotes in Dallas, TX

• Cheap Auto Insurance Quotes in Fort Worth, TX

• Cheap Auto Insurance Quotes in Houston, TX

• Cheap Auto Insurance Quotes in San Antonio, TX

How to save on car insurance in El Paso

Basic liability coverage is required for drivers in Texas, which is why many drivers seek out the cheapest car insurance rates available. Even if you can’t secure the lowest rate available, you can find ways to lower your monthly costs. Consider these three methods to save on car insurance in El Paso.

1. Inquire about discounts

Insurers offer a number of discounts to current and new policyholders. These discounts may involve having anti theft devices installed in your car, driving low mileage each year, or bundling other policies with your auto insurance. 

2. Adjust your current coverage

You always have the option to adjust your coverage levels, as long as you maintain the minimum liability coverage required by Texas. If you have an older car, you could forego optional coverage. And if you drive infrequently, you can opt to lower your premium by raising your deductible. 

3. Compare quotes from other insurers

It’s never a bad idea to compare quotes from other insurers. Some may offer a lower rate based on your driving history, while others may provide you with a discount just for switching to their coverage.

El Paso driving conditions

The 2021 Global Traffic Scorecard rankedEl Paso as the 207th most-congested city in the United States. And Texas Department of Transportation data shows that El Paso reached the list of top 10 Texas counties for crashes in 2019, 2020, and 2021.

Auto theft statistics in El Paso

Earlier this year, the El Paso Times highlighted a growing number of auto thefts within the city. The newspaper cited a public awareness manager for the El Paso Auto Theft Task Force, who said that vehicle thefts had increased between 18% and 54% in different neighborhoods. They also cited an average increase of 48% for auto thefts in the city as a whole in the first half of 2022.^[6]

The El Paso Times does note that this dramatic increase is still substantially lower than the 100-per-week rate at which cars were stolen in the 1980s.

Car accident statistics In El Paso

In 2021, the Texas Department of Transportation reported 18,408 total crashes in El Paso County, which included 98 fatalities and 34,859 non-injuries. This is an increase from 2020, which saw 14,599 reported crashes with 84 fatalities and 27,337 non-injuries, though these number were likely impacted by slowdown of traffic due to the onset of the pandemic. The year prior, 2019, saw 18,825 total crashes with 39,159 non-injuries and 77 fatalities. 

El Paso’s KFOX14 reported that there’s been at least one death on a Texas roadway every day for the last 22 years and cited a study showing traffic fatalities increasing throughout the state in 2021. This number included 113 fatal injuries in El Paso in 2021, up 30% since 2020. Vision Zero, a city-led safety initiative, also states that El Paso is the 18th-worst metro for pedestrian fatalities in the United States. 

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El Paso car insurance FAQs

To help you find the best rate on car insurance in El Paso, consider these frequently asked questions.