Cheapest Car Insurance Quotes in El Paso

State Auto, Mile Auto,and Progressive offer the cheapest car insurance for full-coverage insurance in El Paso.

Olivia Oksenhorn
Written byOlivia Oksenhorn
Photo of an Insurify author
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Tanveen Vohra
Edited byTanveen Vohra
Photo of an Insurify author
Tanveen VohraEditorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Amber Benka
Reviewed byAmber Benka
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 21, 2022

Save up to $717 by comparing quotes from the top 70+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Advertiser Disclosure


At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

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.

Insurance CompanyAverage Monthly Quote
Acuity$285
Aggressive$180
Alinsco$212
Apparent$168
Aspen$211
AssuranceAmerica$212
Bristol West$246
Clearcover$165
Commonwealth Casualty$195
Dairyland$246
Elephant$182
Foremost Signature$268
Freedom National$363
GAINSCO$204
Hallmark$398
Infinity$373
Kemper Preferred$183
Liberty Mutual$278
Mercury$209
Midvale Home & Auto$232
Mile Auto$135
Nationwide$217
Progressive$122
Pronto$176
Quantum$305
SafeAuto$167
Safeco$180
State Auto$210
Stillwater$484
The General$261
Travelers$175
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.

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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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. 

Insurance CompanyLiability OnlyFull Coverage
Acuity$57$303
Aggressive$101$258
Alinsco$131$289
Apparent$132$190
Aspen$102$288
AssuranceAmerica$139$298
Bristol West$194$277
Clearcover$149$173
Commonwealth Casualty$91$277
Dairyland$149$315
Elephant$155$198
Foremost Signature$79$303
Freedom National$155$527
GAINSCO$106$282
Hallmark$293$465
Infinity$282$428
Kemper$137$301
Kemper Preferred$111$197
Kemper Specialty$140$304
Liberty Mutual$198$323
Mercury$158$239
Midvale Home & Auto$131$264
Mile Auto$123$142
Nationwide$225$215
Progressive$104$136
Pronto$108$237
Quantum$155$418
SafeAuto$129$211
Safeco$93$208
State Auto$90$245
Stillwater$828$468
The General$195$306
Travelers$123$189
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.

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.

Quote Price by Age Group

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.

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

Insurance CompanyAverage Monthly Rate
Progressive$173
Mile Auto$175
Apparent$191
SafeAuto$197
Elephant$202
Pronto$202
Clearcover$213
Stillwater$215
Kemper Preferred$221
Travelers$221
Safeco$226
Commonwealth Casualty$236
Aspen$245
Aggressive$249
Mercury$270
Kemper Specialty$277
AssuranceAmerica$279
Dairyland$285
Kemper$285
State Auto$288
Midvale Home & Auto$293
GAINSCO$310
The General$311
Quantum$321
Alinsco$328
Bristol West$333
Nationwide$337
Foremost Signature$353
Liberty Mutual$362
Acuity$420
Freedom National$434
Infinity$505
Hallmark$527
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.

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

Insurance CompanyAverage Monthly Rate
Mile Auto$89
Progressive$102
SafeAuto$122
AssuranceAmerica$122
Pronto$123
Aggressive$126
Clearcover$133
Commonwealth Casualty$134
Apparent$139
Elephant$144
Safeco$145
Kemper Preferred$157
Travelers$159
Aspen$161
Mercury$161
Kemper Specialty$161
GAINSCO$168
Alinsco$175
State Auto$177
Midvale Home & Auto$178
Foremost Signature$184
Nationwide$187
Bristol West$188
The General$190
Dairyland$196
Kemper$199
Liberty Mutual$203
Quantum$208
Acuity$250
Freedom National$250
Infinity$273
Hallmark$282
Stillwater$490
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.

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

Insurance CompanyAverage Monthly Rate
Mile Auto$81
Progressive$86
Pronto$88
AssuranceAmerica$97
Acuity$102
Apparent$106
Safeco$109
Elephant$114
Kemper$115
Commonwealth Casualty$120
Clearcover$121
Mercury$122
SafeAuto$123
Quantum$124
Aspen$126
Alinsco$131
Foremost Signature$133
Travelers$135
Aggressive$137
State Auto$138
Kemper Specialty$142
Midvale Home & Auto$146
GAINSCO$152
Kemper Preferred$154
Dairyland$161
Liberty Mutual$162
Nationwide$163
Bristol West$166
The General$169
Infinity$239
Freedom National$239
Hallmark$268
Stillwater$370
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.

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. 

Quote Price by Credit Score

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.

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. 

Car Insurance CompanyClean RecordWith AccidentDifference
Mile Auto$122$125+$3
Progressive$126$201+$75
Apparent$143$224+$81
Safeco$146$193+$47
Pronto$153$139-$23
Travelers$155$208+$53
SafeAuto$156$215+$59
Elephant$157$203+$46
Clearcover$159$195+$36
Commonwealth Casualty$160$315+$155
Aggressive$162$270+$108
AssuranceAmerica$169$346+$177
Aspen$169$376+$207
Kemper Preferred$170$160-$10
Kemper Specialty$179$337+$158
Mercury$180$311+$131
State Auto$185$434+$249
Foremost Signature$185$317+$132
Midvale Home & Auto$199$268+$69
Nationwide$203$377+$174
Kemper$215$281+$66
Dairyland$217$310+$93
Alinsco$218$387+$169
GAINSCO$220$322+$102
The General$222$334+$112
Bristol West$236$306+$70
Liberty Mutual$245$319+$74
Quantum$247$349+$102
Acuity$288N/AN/A
Stillwater$301$287-$14
Freedom National$324$432+$108
Infinity$349$478+$129
Hallmark$363$515+$152
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.

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. 

Car Insurance CompanyClean RecordWith DUIDifference
Mile Auto$122N/AN/A
Progressive$126$72-$54
Apparent$143$227+$84
Safeco$146$149+$3
Pronto$153N/AN/A
Travelers$155$148-$7
SafeAuto$156$220+$64
Elephant$157N/AN/A
Clearcover$159N/AN/A
Commonwealth Casualty$160$418+$258
Aggressive$162$276+$114
AssuranceAmerica$169$152-$8
Aspen$169$554+$385
Kemper Preferred$170N/AN/A
Kemper Specialty$179$235+$56
Mercury$180$314+$134
State Auto$185N/AN/A
Foremost Signature$185$169-$16
Midvale Home & Auto$199$230+$31
Nationwide$203$286+$83
Kemper$215$147-$68
Dairyland$217$248+$31
Alinsco$218$402+$184
GAINSCO$220$224+$4
The General$222$298+$76
Bristol West$236$277+$41
Liberty Mutual$245$173-$72
Quantum$247$199-$48
Acuity$288N/AN/A
Stillwater$301N/AN/A
Freedom National$324$333+$9
Infinity$349$385+$36
Hallmark$363$469+$106
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.

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 CompanyClean RecordWith Speeding TicketDifference
Mile Auto$122$153+$31
Progressive$126$149+$23
Apparent$143$201+$58
Safeco$146$200+$54
Pronto$153N/AN/A
Travelers$155$240+$85
SafeAuto$156$144-$12
Elephant$157$204+$47
Clearcover$159$163+$4
Commonwealth Casualty$160$253+$93
Aggressive$162$237+$75
AssuranceAmerica$169$234+$65
Aspen$169$234+$65
Kemper Preferred$170$217+$47
Kemper Specialty$179$285+$111
Mercury$180$304+$124
State Auto$185$472+$287
Foremost Signature$185$245+$60
Midvale Home & Auto$199$251+$52
Nationwide$203$313+$110
Kemper$215$316+$101
Dairyland$217$290+$73
Alinsco$218$317+$99
GAINSCO$220$253+$33
The General$222$353+$131
Bristol West$236$327+$91
Liberty Mutual$245$312+$67
Quantum$247$257+$10
Acuity$288$197-$91
Stillwater$301N/AN/A
Freedom National$324$393+$69
Infinity$349N/AN/A
Hallmark$363$494+$131
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.

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.

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. 

Find local El Paso agents

  • Flor & Associates Insurance Agency 

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

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

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

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

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

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

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

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

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

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

El Paso car insurance FAQs

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

  • How much does car insurance cost in El Paso?

    The average cost of car insurance in El Paso, when accounting for both full-coverage and liability-only policies, is $217 per month or $2,604 per year. In comparison, the Texas state average is $263 per month or $3,156 per year. Full-coverage policies in El Paso cost around $279 per month, while liability-only coverage costs around $156 per month.

  • How much car insurance do you need in El Paso?

    All vehicle owners in Texas are required to have basic liability coverage. This includes $10,000 per accident for property damage, $25,000 per person for bodily injury, and $50,000 per accident for bodily injury coverage. 

  • What are the penalties for driving without insurance in El Paso?

    The El Paso police department will impound the vehicle of an uninsured driver in El Paso. Drivers without auto insurance can be fined up to $350 for their first offense, but will face higher fines if they’ve been ticketed for a prior failure to maintain auto insurance.

    The police can impound a vehicle if the driver can’t produce proof of insurance during traffic stops in which the driver is being arrested, has an accident, or commits a traffic violation.

  • What are the cheapest companies selling insurance in El Paso?

    In El Paso, State Auto offers the cheapest liability-only policy at $1,080 per year, but the cheapest full-coverage policy available comes from Progressive at $1,632 per year. Mile Auto offers the lowest car insurance for drivers with clean records at $1,464 per year.

  • What's the best car insurance in El Paso?

    Insurify research indicates that State Auto is one of the best companies for car insurance in El Paso. The company offers a low average monthly cost of $90 for liability-only insurance and has an Insurify Composite Score of 76.

  • Are there many bad drivers in El Paso?

    Insurify data shows the average cost of car insurance for at-fault drivers in El Paso is $321 per month. Compared to other cities in Texas, El Paso ranks:

    • 276th in number of accidents per driver

    • 168th in number of DUI’s per driver 

    • 140th in number of reckless driving offenses per driver

    • 102nd in number of speeding infractions per driver

    • 130th in rude driving infractions per driver

    Safe drivers in El Paso rank 73rd for clean driving records compared to other Texas cities, with 83.2% of drivers having a clean record.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 19, 2022
  2. Insurance Information Institute. "How to save money on car insurance." Accessed December 19, 2022
  3. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed December 19, 2022
  4. Texas Department of Insurance. "Credit Scoring and Insurance." Accessed December 19, 2022
  5. Insurance Information Institute. "Background on: Credit scoring." Accessed December 19, 2022
  6. El Paso Times. "El Paso auto thefts soaring amid rising crime." Accessed December 19, 2022
Olivia Oksenhorn
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Tanveen Vohra
Edited byTanveen VohraEditorial Manager
Photo of an Insurify author
Tanveen VohraEditorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering

Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.