Best Car Insurance Companies in El Paso, TX


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ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

Advertising & Editorial Disclosure

The best auto insurer for you depends on a number of variables, including your driving history, coverage needs and budget. The best overall auto insurer in El Paso is Texas Farm Bureau. It's also ideal for young drivers, seniors and those with traffic violations. Customers with new vehicles are better off with Allstate, while teen drivers should consider State Farm. Chubb offers the best customer service.

For those who are mostly concerned about saving money, MoneyGeek also rounded up the most affordable auto insurers in El Paso.

MoneyGeek Logo IconBestCar InsuranceEl Paso
2024

Table of Contents (Jump to Your Best Fit)

Why Trust MoneyGeek? We ranked the best El Paso car insurance companies based on claims handling, essential coverages, cost, customer satisfaction and financial stability using data from Quadrant Information Services and the Texas Department of Insurance.

328,384Quotes Analyzed
 
14Companies Compared

Best Overall Car Insurance in El Paso

The top car insurance companies in El Paso are:

  • Texas Farm Bureau: MoneyGeek score 81 out of 100 ($662 per year)
  • State Farm: MoneyGeek score 75 out of 100 ($692 per year)

Texas Farm Bureau, which earned the top score for affordability and the second-highest score for customer satisfaction of the 12 providers we evaluated, is our pick for the best overall auto insurance provider in El Paso, Texas. This company provides policyholders with high-quality service at a reasonable price.

USAA is also a great choice for military personnel and their families in El Paso — the company earned a MoneyGeek score of 79 out of 100. Texas Farm Bureau is also the best auto insurance provider in Texas.

How was this MoneyGeek score calculated?

Texas Farm Bureau

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Has the cheapest premium in our comparison group

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Ranked second for customer satisfaction

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Offers rental car and/or travel reimbursement and roadside assistance

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Has a poor claims management score

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No accident forgiveness or gap insurance

COMPANY HIGHLIGHTS

Texas Farm Bureau received the highest and second-highest scores for affordability and customer satisfaction, respectively, indicating that it offers the best value in terms of price and service quality. Although it is missing some essential coverages, it offers rental car and/or travel reimbursement and roadside assistance, which are useful to all drivers.

Rental car and/or travel reimbursement helps you get back on the road quickly when your vehicle needs repairs as a result of a covered incident. There are various coverage limits available, so policyholders can pick the one that suits them the best.

Additionally, roadside assistance covers non-collision events like mechanical failures and gives drivers access to a quick dispatch service that pays up to $120 for things like gasoline delivery, tire repair, towing and locksmith services.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

How the Best Insurers in El Paso Rank: MoneyGeek Scores and Costs

Texas Farm Bureau is the best option out of the 12 insurance companies we compared in El Paso, Texas. It has the lowest rates ($662 annually) and the second-best customer satisfaction ratings. Foremost received the best ratings for customer satisfaction, while Chubb ranked the highest for claims management, but both companies are significantly more expensive.

The rates noted in this section are for full coverage policies. We only gave MoneyGeek scores to businesses if there was enough information available for each criterion, such as customer service, affordability and financial stability.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauMoneyGeek Score (out of 100)81Annual Premium$662Satisfaction Score (out of 5)5Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)3
State FarmMoneyGeek Score (out of 100)75Annual Premium$692Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)5
ChubbMoneyGeek Score (out of 100)74Annual Premium$1,271Satisfaction Score (out of 5)5Claims Score (out of 5)4Coverages Score (out of 5)3Stability Score (out of 5)5
GEICOMoneyGeek Score (out of 100)68Annual Premium$947Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)5
MercuryMoneyGeek Score (out of 100)68Annual Premium$806Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)3
AllstateMoneyGeek Score (out of 100)67Annual Premium$860Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
ForemostMoneyGeek Score (out of 100)64Annual Premium$1,435Satisfaction Score (out of 5)5Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)3
NationwideMoneyGeek Score (out of 100)64Annual Premium$1,026Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
AAA TexasMoneyGeek Score (out of 100)62Annual Premium$1,028Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)3
ProgressiveMoneyGeek Score (out of 100)60Annual Premium$1,255Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
National GeneralMoneyGeek Score (out of 100)51Annual Premium$1,329Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)1Stability Score (out of 5)4
DairylandMoneyGeek Score (out of 100)No DataAnnual Premium$1,867Satisfaction Score (out of 5)4Claims Score (out of 5)No DataCoverages Score (out of 5)4Stability Score (out of 5)4

Best Car Insurance in El Paso for Customer Service

Disregarding affordability, the top auto insurance companies in El Paso for customer service are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,271 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,435 per year)

Chubb earned the best claims management rating and the third-highest rating for customer satisfaction, making it a clear winner in the customer service category. However, its policies are more expensive on average compared to competitors.

How was this MoneyGeek score calculated?

Chubb

pros

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Has high claims handling and customer satisfaction scores

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Offers original equipment manufacturer (OEM) coverage

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Offers limited coverage options

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No roadside assistance, gap insurance or accident forgiveness

COMPANY HIGHLIGHTS

Drivers in El Paso who prioritize excellent customer service over low prices should consider Chubb because of its excellent claims handling and customer satisfaction ratings. In addition, the company offers OEM coverage, which is less common among insurers.

OEM coverage allows for the original manufacturer's parts to be used instead of aftermarket parts to replace your vehicle's damaged components. This helps ensure that your car will operate as it was designed to. Chubb also offers rental car and/or travel reimbursement, which is another essential coverage. If your vehicle needs to be repaired after a covered incident, this coverage will cover the cost of a rental car.

Chubb's Agreed Value coverage, which is what it calls its diminished value coverage, may be able to save you thousands of dollars if your car is stolen or totaled. When you buy a Chubb policy, this coverage establishes an agreed-upon value for your car, and Chubb will write you a check for the amount if your vehicle is determined to be a total loss.

What Makes an Insurer Best for Customer Service?

Emergency situations, such as a car breaking down, highlight the importance of good customer care. Insurance companies that offer exceptional customer service process claims quickly and address policyholders' concerns.

Because of its excellent claims handling and customer satisfaction ratings, Chubb is our top choice. Foremost scored slightly higher in customer satisfaction and essential coverages but fell behind in affordability and claims management.

Best Cheap Car Insurance in El Paso

Based on their balance of cost and service quality, the best companies for car insurance policies that only meet the minimum coverage requirements in Texas are:

  • Texas Farm Bureau: MoneyGeek score 81 out of 100 ($270 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($312 per year)

Although plans with minimum coverage are generally the most affordable, they also provide the least amount of liability insurance and do not cover damage to your own car. All cities in Lone Star State must meet the Texas minimum auto insurance requirements.

How was this MoneyGeek score calculated?

Texas Farm Bureau

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An affordable minimum coverage policy costs $270 per year

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Offers discounts when you stay claims-free and bundle qualified insurance policies

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Has excellent affordability and customer satisfaction ratings

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No paperless or defensive driving discounts

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Has a poor claims management score

COMPANY HIGHLIGHTS

When it comes to minimum coverage auto insurance in El Paso, Texas Farm Bureau ranked the highest for affordability and the second-highest for client satisfaction, meaning that you don't have to sacrifice service to get a cheap rate.

Policyholders can take advantage of several discounts to further reduce their insurance premiums. These include the anti-theft discount for policyholders who have a safety device installed in their cars. Discounts are also available to new drivers under the age of 25 who have completed a recognized driver-education program. Texas Farm Bureau also rewards safe drivers by offering discounts if you stay claim-free for a certain period of time.

Texas Farm Bureau auto insurance customers who also have homeowners, renters or agriculture policies can save even more money by bundling their plans.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

What Makes an Insurer the Best Cheap Option?

The best minimum coverage providers are those who offer competitive rates without sacrificing the quality of service to their clients. Lower rates sometimes come with worse service, but this isn't a tradeoff that drivers have to make with Texas Farm Bureau. State Farm, our runner-up, offers the second-cheapest minimum coverage policies in the city but lags behind Texas Farm Bureau in customer service.

Best Car Insurance in El Paso for Young Adults

The following companies offer the best car insurance for young adults in El Paso:

  • Texas Farm Bureau: MoneyGeek score 81 out of 100 ($809 per year)
  • State Farm: MoneyGeek score 74 out of 100 ($884 per year)

Customers of Texas Farm Bureau can rest assured that they will receive excellent service at a reasonable price as the company consistently ranks among the best in affordability and customer satisfaction.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

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Has the most affordable annual premium in our comparison group at $809 per year

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Offers driver’s education and good student discounts

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Has high scores for affordability and customer satisfaction

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Has below-average claims management and coverage scores

COMPANY HIGHLIGHTS

Texas Farm Bureau has the best insurance prices and customer satisfaction for drivers in their 20s in El Paso. The company also provides two special discounts for young drivers.

One such discount is a good student discount, which is available to students who maintain a B grade point average or higher. In addition, young drivers under the age of 25 who have completed an approved driver's education program may be eligible for another discount.

Texas Farm Bureau also offers add-on coverage options like roadside assistance, which provides 24/7 coverage for services like towing and flat tire repair, as well as a rental reimbursement coverage, which pays for a rental car if the covered vehicle is being repaired due to a covered loss. These two extras are great for young drivers if they need help in the event of an accident or breakdown.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

What Makes an Insurer Best for Young Adults?

Young drivers looking for the best car insurance provider should focus on three criteria: good customer service, reasonable rates and discounts tailored to their age group. Texas Farm Bureau meets these criteria, making it our top pick for young adults in El Paso. State Farm is also a strong contender, but it is slightly more expensive and ranks lower for customer service.

Best Car Insurance in El Paso for Teens and Their Families

The best auto insurance providers for teens on a family policy in El Paso are:

  • State Farm: MoneyGeek score 75 out of 100 ($2,360 per year)
  • Foremost: MoneyGeek score 75 out of 100 ($3,667 per year)

State Farm has the second-cheapest premiums and the second-best customer satisfaction rating of the six insurance providers we looked at, so teens can get reasonable rates without sacrificing quality with this insurer.

Teen drivers can save money on car insurance by joining their parents' policy rather than buying their own — in most cases, teens under the age of 18 cannot legally buy their own policy without a parent or guardian agreeing to cosign. Teens in El Paso can save $3,267 annually on average if they join a family policy rather than purchase their own.

How was this MoneyGeek score calculated?

State Farm

pros

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Has the second-cheapest rates at $2,360 per year

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Offers good student, distant student and driver’s education discounts

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Ranked highly for customer satisfaction and affordability

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Has below-average claim management and coverage scores

COMPANY HIGHLIGHTS

State Farm has the second-best rates for teens on a family policy as well as the second-best customer satisfaction score of the insurers we looked at in El Paso, making it the best option overall.

The company offers several discounts that teenagers can take advantage of. Those who maintain a 3.0 GPA or B average may qualify for a good student discount, while those who finish a recognized driver's education program can save with State Farm's driver's education discount. Students under the age of 25 who move away for school and use their car exclusively when home year may also qualify for a reduced rate.

State Farm also provides helpful coverages such as roadside assistance and rental reimbursement. If your vehicle unexpectedly breaks down, roadside assistance will help cover services like gas delivery, tire changes and towing. If your vehicle needs to be repaired after an incident that is covered by your policy, you may be able to get reimbursement for the cost of a rental car and/or transportation costs with rental reimbursement.

Read MoneyGeek's State Farm Auto Insurance Review

What Makes an Insurer Best for Teens?

The best companies for teen drivers will provide excellent service at competitive prices, as well as discounts and protections useful to their demographic, such as the good student discount and roadside assistance. Because of its low rates, excellent customer service and teen-oriented discounts, State Farm is the best auto insurance provider for teen drivers in El Paso. State Farm has a slightly lower customer satisfaction score than our runner-up choice, Foremost, but it's more affordable on average.

Best Car Insurance in El Paso for Seniors

In El Paso, the best auto insurance companies for seniors are:

  • Texas Farm Bureau: MoneyGeek score 81 out of 100 ($544 per year)
  • State Farm: MoneyGeek score 74 out of 100 ($622 per year)

When it comes to auto insurance for seniors, Texas Farm Bureau ranks first in affordability and second in client satisfaction. Those in their 60s typically pay similar auto insurance prices to drivers in their 30s and 50s, but rates tend to increase in their 70s.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

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Has the most affordable policies at $544 per year

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Offers rental car reimbursement coverage and roadside assistance

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Has high ratings for affordability and customer satisfaction

cons

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Has a below-average claims management and coverage scores

COMPANY HIGHLIGHTS

Texas Farm Bureau ranks highly against competitors for customer satisfaction and offers the lowest rates, making it the best insurance provider for senior drivers in El Paso.

The company provides helpful coverages for seniors, such as rental reimbursement and roadside assistance. The roadside assistance coverage gives drivers access to emergency help whenever they need it, day or night. It will pay up to $120 in emergency expenses, such as towing, flat tire repair and locksmith fees. If you're involved in an accident and your car needs repairs, rental reimbursement will help cover the cost of a rental car until yours is usable again.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

What Makes an Insurer Best for Seniors?

Policyholders in their 60s generally pay lower rates than those in younger age brackets, but they are more likely to get seriously injured in an accident. As such, they should look for full coverage policies that include personal injury protection (PIP) or medical payments coverage. They may also look for companies that offer discounts applicable to seniors, such as defensive driving discounts. Texas Farm Bureau stands out from the competition thanks to its reasonable prices and high customer satisfaction ratings. It ranks higher than State Farm in every category except financial stability.

Best Car Insurance in El Paso for Drivers With Offenses

The best auto insurance for drivers with violations in El Paso is from:

  • Texas Farm Bureau: MoneyGeek score 77 out of 100 ($1,267 per year)
  • State Farm: MoneyGeek score 73 out of 100 ($1,218 per year)

Texas Farm Bureau ranks highly for both affordability and customer satisfaction, meaning that drivers with poor records can still find insurance at a reasonable rate with this provider.

In general, the more serious the infraction, the higher your rate will be. A speeding violation in El Paso will increase your premium by about $211 per year, while a DUI conviction will increase your rate by around $484 per year.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

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Offers the third-cheapest premium at $1,267 per year

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Offers rental reimbursement coverage and roadside assistance

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Has high customer satisfaction and affordability scores

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Has below-average claims management and coverage scores

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No accident forgiveness and new car replacement coverage

COMPANY HIGHLIGHTS

Texas Farm Bureau is the best auto insurer for drivers with traffic violations in El Paso because of its relative affordability and excellent customer satisfaction ratings. This means that drivers with bad records can still get a somewhat cheap rate without having to sacrifice customer experience due to their choices on the road.

Texas Farm Bureau has you covered with 24/7 roadside assistance and dispatch. This coverage is very useful if your car experiences an electrical, mechanical or other failure when you're on the road. It will cover up to $120 in services including towing and fuel delivery. Meanwhile, rental car reimbursement coverage can pay for a replacement vehicle while yours is being fixed after a covered loss.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

What Makes an Insurer Best for Drivers With Offenses?

A good car insurance company for policyholders with poor driving records will have competitive rates, a wide variety of discounts and essential coverages like accident forgiveness and roadside assistance. Texas Farm Bureau ranked third for affordability and second for customer satisfaction, making it the best overall option for drivers with offenses. Our second-place choice, State Farm, is less expensive but received lower marks for customer satisfaction.

Best Car Insurance in El Paso for Drivers With New Cars

The best company in El Paso for drivers with a new car is Allstate. Here are the top two companies in the city:

  • Allstate: MoneyGeek score 73 out of 100 ($1,416 per year)
  • Foremost: MoneyGeek score 53 out of 100 ($1,909 per year)

This category's rankings were based on cost and service quality for drivers with a 2022 model car in Texas. Only auto insurance companies that offer new or better replacement coverage were included.

If your car is totaled in an accident and you have new car replacement coverage, the insurance company will pay for a brand-new vehicle of the same make and model. Allstate provides this coverage option for drivers in El Paso along with a wide range of other coverage options and an affordable rate.

How was this MoneyGeek score calculated?

Allstate

pros

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Offers the most affordable premiums at $1,416 per year

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Has new car replacement coverage

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High has affordability and coverage scores

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Has an average customer satisfaction rating

COMPANY HIGHLIGHTS

With competitive prices and a wide range of coverage choices — including new car replacement — Allstate is our top pick for drivers with newer vehicles. The value of a vehicle begins to decline as soon as it's driven off the lot, so it's wise to invest in new car replacement coverage in the first few years of ownership. If your vehicle is two years old or less and is deemed a total loss in an accident, Allstate will let you trade it in for a brand new model.

Allstate also offers sound system coverage to protect against damage to a sound system permanently installed in your vehicle. Loss of tapes, CDs and similar items used with an automobile sound system are also covered by this policy's portable electronics and media coverage.

Read MoneyGeek's Allstate Auto Insurance Review

What Makes an Insurer Best for Drivers With New Cars?

Divers who have recently purchased a vehicle should shop for auto insurance policies that provide new or better replacement coverage. If you total your new vehicle in a covered accident, these extras could help you recover your recent investment.

Allstate is the best option for new car drivers in El Paso because it's cost-effective and offers new car replacement coverage. Our second-place pick, Foremost, has higher customer satisfaction ratings but a higher price tag as well.

How to Find the Best Car Insurance in El Paso for You

Cost, customer satisfaction, claims processing and financial stability are some of the main factors to think about when comparing El Paso car insurance companies to find the best one for you. While our rankings can be helpful, you can also do your own research using the following steps.

1
Research customer service reputations in El Paso

MoneyGeek ranked providers based on customer satisfaction data from J.D. Power and the National Association of Insurance Commissioners (NAIC). You can also visit these sources to do further research. The Texas Department of Insurance is another great resource for learning about insurance companies and getting general insurance information.

2
Compare quotes

We recommend getting estimates from at least three companies to get a sense of the price range you'll be looking at for your auto insurance. MoneyGeek only provides average premiums for sample drivers, so your actual premiums may vary depending on factors like your age, region and driving history.

3
Find the coverages you want in El Paso

Before purchasing a car insurance policy, check to see if the type of coverage you need and the discounts you qualify for are available in your area. Companies may not offer all of the coverages advertised on their websites in every state. You can verify the local coverages and discounts provided by an insurer by visiting their regional website or getting in contact with them directly.

4
Check financial stability ratings

We also suggest checking out the financial stability ratings for any company you're considering. An insurer's ability to meet its obligations despite shifts in the market is dependent on its financial health. In general, larger insurance companies tend to be more fiscally stable than smaller, regional insurers.

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FAQs About the Best Car Insurance in El Paso

Your individual requirements and driving history will determine which El Paso auto insurance provider is ideal for you. Below, you'll find our responses to frequently asked questions that will help you make a more informed choice.

What is the best car insurance company in El Paso?
What is the best cheap car insurance company in El Paso?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.