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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.
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.
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.
| Cheapest Companies | |
|---|---|
 Allstate | $96/mo |
 Direct Auto | $152/mo |
 Mercury | $155/mo |
 State Farm | $201/mo |
 Nationwide | $211/mo |
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.
| Best Companies | ||
|---|---|---|
 Clearcover | $127/mo | |
 American Family | $248/mo | |
Nationwide | $301/mo | |
 Safeco | $179/mo | |
 Liberty Mutual | $279/mo |
| Houston | $222/mo |
| San Antonio | $225/mo |
| Dallas | $258/mo |
| Austin | $203/mo |
| El Paso | $163/mo |
| Texas | $214/mo |
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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:
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.
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.
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 Age | |
|---|---|
| teens | $498 |
| 20s | $276 |
| 30s | $239 |
| 40s | $218 |
| 50s | $218 |
| 60s | $159 |
| 70s | $165 |
| 80s | $194 |
| Driving History | |
|---|---|
| No Violation | $239 |
| Speeding Ticket | $273 |
| At-Fault Accident | $272 |
| Failure to Stop for Red Light / Stop Sign | $294 |
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.
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 Tie | |
|---|---|
| Excellent | $260 |
| Good | $255 |
| Average | $230 |
| Poor | $243 |
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.
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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how El Paso drivers measure up to their fellow Texas motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. El Paso drivers rank 143 in the number of car accidents per driver across all cities in Texas.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, El Paso drivers rank 63 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. El Paso drivers rank 68 in the number of DUI’s per driver across all cities in Texas.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in El Paso is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, El Paso drivers rank 27 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; El Paso drivers rank 40 in clean driving records across all cities in Texas.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. El Paso drivers rank 2 in failure to yield violations per driver across all cities in Texas.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, El Paso drivers rank 22 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. El Paso drivers rank 70 in hybrid and electric vehicle ownership across all cities in Texas.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
