BestCar InsuranceEl PasoThe Best Car Insurance in El Paso, TX, for 2023
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Ensure you're getting the best rate. Review quotes from a top insurance company.
Although Farmers is the best auto insurance company in El Paso, Texas, the top choice for you depends on your age and background. That’s why MoneyGeek evaluated the best companies for young and senior drivers, military members and those with driving violations. We also provide resources on the cheapest car insurance in El Paso for individuals looking to save money.
BestCar InsuranceEl PasoThe Best Car Insurance in El Paso
Overall - Farmers
Minimum Coverage - Farmers
Young Drivers - GEICO
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in El Paso: Overall
To determine the best car insurance companies in El Paso, MoneyGeek took into account average rates, claims ratings and customer satisfaction. Based on our analysis, the best overall auto insurers in El Paso are:
- Farmers: MoneyGeek score of 93 out of 100
- State Farm: MoneyGeek score of 93 out of 100
USAA earned a MoneyGeek score of 92 out of 100, making it the third best company in El Paso. But it’s only available to those with a military background and was excluded from our overall rankings.
The Top Car Insurance Companies in El Paso
1
FarmersOverall
Score:93
Farmers earned high scores for affordability, customer satisfaction and claims. A full coverage policy in El Paso from Farmers costs an average of $769 per year. Farmers offers unique add-on coverages, such as original equipment manufacturer (OEM) and custom parts coverage.
More About Farmers
With Farmers, you can add original equipment manufacturer (OEM) coverage to your auto policy. That pays for the cost of using factory-original parts in covered repairs in cars up to 10 years old. Meanwhile, the Farmers custom parts coverage covers the cost to repair or replace aftermarket equipment, like infotainment systems and custom wheels.
Read MoneyGeek's Farmers auto Insurance Review2
State Farm
Score:93
State Farm received high ratings for affordability, claims and customer satisfaction. Its full coverage policy in El Paso has an average annual rate of $877. State Farm offers unique add-on rideshare insurance coverage.
More About State Farm
If you’re working for a rideshare company, you could take advantage of State Farm’s rideshare insurance. This relatively unique coverage puts parts of your personal auto insurance policy into effect to extend your coverage while working. All coverages (except liability insurance) remain when transporting a rider.
Read MoneyGeek's State Farm auto Insurance ReviewRESOURCES ON CAR INSURANCE IN EL PASO, TEXAS
For drivers looking to save on car insurance, MoneyGeek rounded up the cheapest auto insurance companies in El Paso. We compiled the following resources to help you gather more information about car insurance in Texas:
Best Cheap Car Insurance for Minimum Coverage in El Paso
For El Paso drivers who want a policy that only meets the minimum car insurance requirements in Texas, the best auto insurance companies are:
- Farmers: MoneyGeek score of 94 out of 100
- State Farm: MoneyGeek score of 89 out of 100
MoneyGeek determined its scores for the best minimum coverage auto insurance companies in El Paso based on policies for drivers with different backgrounds, including young drivers and senior drivers and those with driving violations.
MoneyGeek’s Pick: Farmers
pros
A minimum coverage policy costs roughly $350 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Offers bundling, multiple car and honing device discounts
cons
No discount for defensive driving
COMPANY HIGHLIGHTS
With Farmers, you can save on car insurance by taking advantage of discounts for bundling multiple policies, insuring multiple cars and having a safe driving history.
In addition to that, Farmers has discounts that are rarely offered by its competitors. It gives discounts to policyholders with daytime running lights in their vehicles and a device that can track and locate the car if it’s stolen.
Best Car Insurance for Young Drivers in El Paso
To help young drivers get affordable car insurance, MoneyGeek took into account different policy coverages and driving histories for 18-year-old drivers. According to our research, the best car insurance companies in El Paso for young drivers are:
- GEICO: MoneyGeek score of 91 out of 100
- State Farm: MoneyGeek score of 88 out of 100
Note that auto insurance for teens and student car insurance tend to be more expensive due to their young age and lack of experience on the road.
MoneyGeek’s Pick: GEICO
pros
A full coverage policy for responsible teen drivers costs roughly $2,060 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Offers driver’s education course and good student discounts
cons
No distant student discount
COMPANY HIGHLIGHTS
Adding a young driver to your policy can be expensive, but GEICO provides affordable rates and quality service. It’s important to note that companies with great customer service can give you peace of mind, especially in a time of need, like when filing a claim.
With GEICO, you can get a discount for being a full-time student with a good academic record or completing a driver’s education course. The company also provides add-on accident forgiveness coverage for the first at-fault accident, which can be beneficial to inexperienced, young drivers. Meanwhile, its roadside assistance coverage covers the cost of changing a flat tire, towing, jumpstarts and lockout services.
Best Car Insurance for Senior Drivers in El Paso
In El Paso, the best car insurance companies for senior drivers are:
- State Farm: MoneyGeek score of 95 out of 100
- Farmers: MoneyGeek score of 90 out of 100
MoneyGeek calculated these scores by analyzing different policy coverages and driving histories of 70-year-old drivers. Typically, auto insurance for seniors is slightly more expensive than a policy for middle-aged drivers.
MoneyGeek’s Pick: State Farm
pros
A full coverage policy for a responsible senior driver costs around $834 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Offers a defensive driving course discount
cons
No discounts specifically for senior drivers
COMPANY HIGHLIGHTS
Car insurance for seniors doesn't differ from car insurance for other drivers. However, some companies charge a more expensive rate for this particular age group. Fortunately, State Farm is an affordable option for senior drivers in El Paso.
State Farm gives a discount to senior drivers who complete a defensive driving course. While State Farm doesn’t have unique add-on coverages, its common coverages are beneficial. The roadside assistance coverage pays for mechanical or locksmith labor, towing a car, the delivery of gas or oil, a battery charge or changing a flat tire. Meanwhile, its rental car/travel reimbursement covers your rental car expense to a specific limit and travel expenses up to $500.
Best Car Insurance With a Driving Violation in El Paso
For El Paso drivers with an at-fault accident on their record, MoneyGeek found the best auto insurance companies are:
- State Farm: MoneyGeek score of 94 out of 100
- GEICO: MoneyGeek score of 87 out of 100
Our score calculations considered different policy coverages and driver ages. Note that an accident or violation on your record can significantly raise your auto insurance premium, so it’s best to shop around for companies that offer affordable car insurance with a bad driving record.
MoneyGeek’s Pick: State Farm
pros
A full coverage policy for a 40-year-old driver with an accident on record averages $1,039 annually
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Offers seven out of nine standard discounts
cons
No unique add-on coverages
No accident forgiveness or better/new car replacement
COMPANY HIGHLIGHTS
Having an accident or a different violation on your record can impact the cost of car insurance. Those with bad driving records in El Paso can benefit from State Farm, which offers discounts, appropriate coverages and great customer service.
With State Farm, you can save by qualifying for its seven common discounts. These include bundling, airbag and anti-theft system. One downside to State Farm is the lack of better car replacement, new car replacement and accident forgiveness add-on coverages, which can all be beneficial if you ever get into an accident.
Best Car Insurance With a Military Background in El Paso
MoneyGeek found that USAA is the best car insurance company in El Paso for those with a military background. It received a MoneyGeek score of 92 out of 100, which was derived by analyzing different coverage levels and driver backgrounds, including young and older drivers and those with violations.
USAA offers the best blend of affordability and customer service for military members because it caters to their insurance needs. It only provides car insurance to military members, veterans and their families.
MoneyGeek’s Pick: USAA
pros
A full coverage policy for a 40-year-old driver costs around $853 per year
Offers five of the most common discounts, including safe driving and defensive driving course
MoneyGeek claims rating of 5 out of 5
MoneyGeek customer satisfaction rating of 5 out of 5
cons
Only offers three of the seven common add-on coverages; it does not have gap insurance, for example
Only available to military members, veterans and their families
COMPANY HIGHLIGHTS
USAA offers a great combination of affordability and customer service, making it ideal for drivers with a military background in El Paso. Its customers can add three common coverages to their policies: roadside assistance, rental car/travel reimbursement and accident forgiveness. But USAA lacks unique add-on coverages.
If you’re looking for potential savings, you can take advantage of USAA’s five common discounts: bundling, insuring multiple vehicles, being a good student, safe driving and defensive driving. Additionally, you can save up to 60% on your premium if you store an insured car.
Methodology
MoneyGeek evaluated car insurance companies in El Paso, Texas, using data from industry-leading organizations, such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
To determine the best auto insurance companies in El Paso for various driver profiles, we applied the following weightings to each assessment category:
- Affordability (70%): MoneyGeek compared quotes from providers in El Paso and ranked them based on the average cost of their policies. The cheapest provider would be eligible for a perfect score of five.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek consulted scores from J.D. Power surveys to measure customer satisfaction with each insurance provider based on service and claims. Each category was weighted at 10%.
- Financial stability (10%): MoneyGeek used AM Best ratings to evaluate an insurer’s ability to fulfill financial obligations even when facing adverse economic conditions.
Each category's score was scaled by five points, and the overall score was scaled to 100 points. MoneyGeek calculated the overall affordability score by examining different factors, including age, driving record and coverage levels. We also used different driver profiles to reflect appropriate categories.
Auto insurance premiums for a full coverage policy include the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
MoneyGeek’s car insurance methodology further details how we obtain quotes, calculate average premiums and more.
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