5 Best El Paso Homeowners Insurance Companies (2025)
Amica, State Farm, and USAA offer some of the best homeowners insurance policies in El Paso.
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Written byCharlie Hope D'Anieri
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Charlie Hope D'Anieri
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years and covered agriculture and politics for outlets including The Guardian, The New Republic, and many others. A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
Home insurance in El Paso costs an average of $1,868 per year for $300,000 in dwelling coverage with a $500 deductible.
This is significantly cheaper than some other Texas communities, including Austin, Brownsville, and Galveston. Yet El Paso faces its own challenges, including year-round weather hazards like cold snaps, hailstorms, and wildfires. Some El Paso homeowners also live in flood zones, and even earthquakes aren’t out of the question.
These weather hazards can play a role in the price you pay for coverage in El Paso. Here’s what you should know about getting home insurance in the area.
Quick Facts
El Paso’s location away from the Gulf Coast protects it from hurricanes and helps keep home insurance rates lower.
At $1,944 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, El Paso home insurance is much lower than the Texas statewide average of $4,140 per year for the same coverage levels.
El Paso homeowners should consider purchasing flood insurance and earthquake insurance alongside their standard homeowners policies.
Best home insurance companies in El Paso
The Texas homeowners insurance industry has plenty of high-quality insurance companies with strong financial ratings, discounts, and customer service reputations. Finding the best insurer for you will depend on your unique needs.
As you begin your search, here are some top companies for you to consider.
State Farm: Best for car-owning households
State FarmCompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $166/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $222/mo |
As a critical node in the U.S.-Mexico Borderplex, El Paso is a place where driving is an important part of life. In El Paso, 88% of workers report that their commute depends on their car.[1] People who choose State Farm for both auto and home insurance can take advantage of a market-leading bundling discount by combining their policies.
With nearly 20% of the Texas homeowners insurance market, State Farm’s rates are middle of the road. But it has strong ratings for financial strength and customer satisfaction.
Pros
Leading bundling discount for home and auto
Slightly below-average complaint ratio for Texas homeowners
AM Best rating of A++ (Superior)
Cons
Must work directly with an insurance agent
Hail or windstorm damage coverage may be excluded or have a separate deductible
Quotes not available online
Amica: Best for customer service
AmicaCompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $116/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $176/mo |
El Paso is at significant risk of natural disasters, including hail, flooding, windstorms, wildfires, and water damage from cold snaps. If one of those weather events strikes your home, it’s worth having an insurer with high marks in customer service.
Amica homeowners insurance ranked at the top of the field in customer satisfaction in the J.D. Power U.S. Home Insurance Study. Additionally, Amica has a remarkably low complaint ratio regarding claims among Texas homeowners.
Pros
New and remodeled homeowners discount
Excellent customer satisfaction
Great ratings from the Better Business Bureau (BBB), Trustpilot, and AM Best
Cons
No offices in West Texas
Independent insurance agents can’t get you a quote
Limited discounts for making safety improvements or for being a veteran or active military member
USAA: Best for veterans and military families
USAACompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $105/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $131/mo |
With Fort Bliss and Biggs Army Airfield located in the area, many military families call El Paso home. USAA ranks in the lower half for customer complaints among the top Texas homeowners insurance companies, which is impressive for its more than 10% market share.
USAA home insurance also has a superior customer satisfaction rating from J.D. Power, making it a good insurer for El Paso homeowners to consider.
Pros
High customer satisfaction ratings
Low rates in El Paso
Discounts for bundling and monitoring technology
Cons
Available only to military families
Bundling discounts could be higher
No 24-hour customer service
Travelers: Best for cheap rates
TravelersCompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $107/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $180/mo |
Travelers’ rates are low, according to Insurify data, making it an appealing choice for homeowners on a budget.
Though the J.D. Power 2025 U.S. Home Insurance Study suggests that Travelers’ customer service leaves something to be desired, its complaint ratio ranks in the lower half of comparable Texas home insurance companies, despite its significant market share.
Pros
New home discount
Low rates in El Paso
AM Best financial strength rating of A++ (Superior)
Cons
So-so customer satisfaction metrics
Discounts are standard, not impressive
Below-average J.D. Power claims satisfaction rating
Allstate: Best for new homes and new buyers
AllstateCompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $266/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $428/mo |
El Paso has a lower cost of living than many other parts of Texas, and as such, is attracting new homebuyers as well as new homebuilders.
With Allstate, you can get a discount on your home insurance for buying a home recently or purchasing one that’s newly constructed. Its other discounts are also competitive, even while rates are somewhat high, and customer satisfaction lags slightly behind.
Pros
Discounts for new homes and new home purchases
Good bundling discount with home and auto
Get a claim-free discount from your previous policy when you switch
Cons
Higher-than-average rates
Relatively high complaint ratio in Texas
Below-average J.D. Power customer satisfaction rating
Our editorial team analyzed regional and national home insurance companies that sell policies in El Paso to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in El Paso?
On average, home insurance in El Paso costs $1,944 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is lower than many other parts of the state, thanks to El Paso’s lower cost of living and the fact that it’s not on the Gulf Coast. Its distance from the Gulf Coast protects the area from hurricanes. But your rate may vary based on your unique circumstances.
Insurance companies use your ZIP code, credit, claims history, and more to set your rate. Your home’s replacement cost will also make a big difference in your premium. So will the coverage options you select, your proximity to emergency services, and the emergency detection devices equipped in your home.[2]
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Cheapest home insurance companies in El Paso
The companies in the table below offer the cheapest home insurance in El Paso. You can see their rates for several levels of dwelling coverage.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Republic Indemnity | $528 |
| Travelers | $888 |
| Farmers | $924 |
| USAA | $1,056 |
| Mercury | $1,248 |
| Foremost | $1,500 |
| Nationwide | $1,596 |
| State Farm | $1,644 |
| Allstate | $2,100 |
| Chubb | $2,220 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Republic Indemnity | $1,284 |
| USAA | $1,572 |
| Farmers | $1,836 |
| Travelers | $2,160 |
| Mercury | $2,616 |
| State Farm | $2,664 |
| Foremost | $3,612 |
| Nationwide | $3,696 |
| Chubb | $4,476 |
| Allstate | $5,136 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Republic Indemnity | $1,872 |
| USAA | $1,896 |
| Farmers | $2,256 |
| Travelers | $3,192 |
| State Farm | $3,540 |
| Mercury | $3,816 |
| Foremost | $5,328 |
| Nationwide | $5,376 |
| Chubb | $5,916 |
| Allstate | $7,008 |
How much homeowners insurance do you need in El Paso?
Every homeowners insurance policy has several components, each of which you should tailor to your home in El Paso.
Dwelling coverage
Dwelling coverage pays to repair damage to your house or replace it if it’s destroyed — provided that your policy covers the cause of the damage (such as a fire or windstorm).
Make sure that your dwelling coverage limit is at least 80% of the replacement cost of your home. An amount below 80% could leave you without enough coverage in the event of a disaster.
You should also check which perils your policy covers and which perils are specified as policy exclusions. You should also know what your policy says about perils that the policy doesn’t specifically name.
Additional coverage options on a typical homeowners policy
Eight types of home insurance are available, each of which offers different ranges of damage coverage. Additional coverage options on these policies include the following:[3]
Personal property coverage: Personal property coverage protects your belongings and furniture, even when they’re not in the house.
Other structures coverage: Other structures insurance protects garages, sheds, and other structures not attached to the house.
Additional living expenses coverage: Loss of use coverage helps pay for rent and other living costs while your home gets rebuilt or repaired during an insurance claim.
Liability coverage: Liability insurance pays for medical expenses, legal fees, and property damage if you hurt someone or their property, or someone is hurt on your property.
Additional insurance policies to consider buying
Flood insurance: Standard homeowners policies rarely cover flood damage. It’s a smart move to get a flood policy anywhere in El Paso — especially if you live in a flood zone. You can buy a policy through the National Flood Insurance Program (NFIP) or some private insurers.
Earthquake insurance: Most standard home insurance policies exclude earthquakes. While El Paso’s risk may not be high, an earthquake could still be possible.
What to know about home insurance in El Paso
Home insurance in Texas is more expensive than in many other parts of the country. Rising property values, the increasing cost of building materials, and more frequent and severe natural disasters, including rainstorms, tornadoes, and hurricanes, are all driving up Texas homeowners insurance costs.
Because of these elevated and compounding risks, some of the country’s largest insurance companies have stopped writing new home insurance policies in Texas.
Relative to the coastal areas of the state, though, El Paso is in a slightly better position. It’s not at an extreme hurricane risk. Yet El Paso homes are still vulnerable to damage from windstorms, hail, severe thunderstorms, wildfires, tornadoes, and cold snaps. Most standard home insurance policies cover damage from these perils.
Some neighborhoods in El Paso are especially vulnerable to floods. If you have a mortgage and your home is in a flood zone, you’ll probably be required to purchase flood insurance. You can refer to the National Flood Insurance Program (NFIP) for subsidized policies if your home is in a flood zone.
Even if you’re outside of a designated flood risk area, it’s a good idea to consider purchasing a separate flood insurance policy for your home, as most standard home insurance policies don’t cover floods, and lots of flood damage still happens outside of designated flood zones.
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Average cost of home insurance in other cities in Texas
Texas home insurance prices vary widely depending on the city and region. On the coast, where storm damage and flood risks are highest, home insurance rates are extremely expensive. Even within El Paso, some ZIP codes are at greater risk of water or wind damage and will command higher premiums as a result.
Here, you can see the average annual premium for several different Texas communities. All premiums are for $300,000 in dwelling coverage with a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Austin | $2,784 |
| San Antonio | $3,156 |
| Dallas | $4,368 |
| Lubbock | $4,440 |
| Houston | $5,244 |
| Corpus Christi | $6,108 |
El Paso homeowners insurance FAQs
If you still have questions about homeowners insurance in El Paso, check out the additional information below as you research your coverage options.
On average, home insurance in El Paso costs $1,944 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. But you may also want to purchase flood insurance or earthquake insurance as separate, secondary policies. Doing so will increase your total home insurance costs.
Republic Indemnity offers the cheapest homeowners insurance in El Paso, with an average monthly premium of $65. But the cheapest insurer for you will depend on a variety of factors.
If you’re part of a military family and qualify for USAA, it’s probably your best option for home insurance in El Paso. Otherwise, Travelers and State Farm have affordable rates. Amica’s customer service is also highly rated.
The coverage limits on your home insurance policy should be at least 80% of the replacement cost of your home, according to the 80% rule. If your limit falls below 80% of your home’s full replacement cost, your insurer could reduce the amount it’ll pay on a claim.
Texas allows insurers to use insurance credit scores when setting rates. This means a good credit history might get you a better quote on your home insurance policy, while a bad credit history could increase your costs. Insurance companies value credit scores differently, so it’s essential to compare quotes.
The national average annual home insurance premium on a $300,000 house is $2,532. Rates in El Paso are slightly lower, with the average annual premium being $4,140. But many factors affect home insurance premiums, from ZIP code to flood risk and deductibles.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- US Census. "El Paso."
- National Association of Home Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- Insurance Information Institute. "What is covered by standard homeowners insurance?."
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Charlie Hope D'Anieri
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years and covered agriculture and politics for outlets including The Guardian, The New Republic, and many others. A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in