Compare the Cheapest Car Insurance Quotes in El Paso, TX

The average annual premium for auto insurance in El Paso is $1,151, cheaper than the state average. The most affordable company, Farmers, has an average rate of $769. MoneyGeek evaluated the cheapest by coverage amount and driving history. MoneyGeek also recommended the best companies in the city for drivers who value affordability and quality service.

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Last Updated: 5/16/2022
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On average, Farmers provides the cheapest full coverage and minimum coverage car insurance in El Paso. However, your premiums depend on your coverage amount and driving history. If you have a speeding ticket, State Farm offers the cheapest average coverage. For military members, USAA offers affordable policies. MoneyGeek found that GEICO is the best insurer that balances affordability and service.

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The Cheapest and Best Car Insurance in El Paso

The Cheapest Car Insurance Companies in El Paso

On average, the two car insurance providers offering the lowest full coverage rates in El Paso are:

  • Farmers: $769 per year
  • GEICO: $857 per year

Military families can get a policy from USAA, which costs an average of $853 annually.

Full coverage, which includes comprehensive and collision car insurance, provides more protection during an at-fault accident but costs more than liability insurance.

The most expensive insurer, The General, costs more than Farmers by about $1,262 per year. Your rates may vary depending on your driving background and coverage amount.

Cheapest Car Insurance in El Paso
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $769
  • 2.
    USAA
    $853
  • 3.
    GEICO
    $857
  • 4.
    State Farm
    $877
  • 5.
    Esurance
    $928
  • 6.
    AAA
    $1,106
  • 7.
    Allstate
    $1,108
  • 8.
    Nationwide
    $1,141
  • 9.
    Mercury
    $1,231
  • 10.
    MetLife
    $1,366
  • 11.
    The General
    $2,131

Drivers in El Paso will pay more for a full coverage policy than state minimum or liability only car insurance because full coverage policies feature the following additional coverages:

  • Collision Insurance: This protects you from the cost of damage to your car if you collide with another car or a stationary object.
  • Comprehensive Insurance: This insurance protects you against the costs associated with non-collision damages to your vehicle.

For this research, MoneyGeek determined the average cost of car insurance using a 40-year-old male driver with full coverage car insurance. You can review the policy limits in our methodology.

If you have an older vehicle, the most suitable coverage is minimum coverage or liability only insurance since a full coverage policy may cost more than the value of your old car.

Compare Car Insurance Rates in El Paso

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in El Paso for Minimum Coverage

If you are looking for the cheapest car insurance in El Paso, the state minimum coverage may be suitable for you. On average, the two cheapest companies for this type of coverage in the city are:

  • Farmers: $350 per year
  • State Farm: $432 per year

For military families, USAA provides the second-cheapest minimum coverage in the city, at an average of $378 per year.

The highest average rate in the city is from The General company. Policyholders pay roughly $989 per year, which is higher than Farmers by $639.

While purchasing state minimum car insurance means you will pay less annually, the limits may not be adequate to cover all the costs in an accident. Therefore, you may pay the difference out of pocket. Use the table below to compare costs for different liability limits.

Cheapest Minimum Liability Car Insurance in El Paso
State Minimum

The state minimum car insurance policy only provides liability coverage and excludes comprehensive and collision insurance. In El Paso, your minimum coverage should be 30/60/25.

Minimum coverage insurance features lower premiums, but you may end up paying money out of pocket if you get involved in an at-fault accident and the costs are higher than the limits. For instance, if the property damage costs after an accident are $35,000, you will need to pay $10,000 out of pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in El Paso if You Have Driving Violations

El Paso drivers pay different rates for car insurance depending on their driving history. With violations such as speeding tickets and at-fault accidents, you will end up paying more for car insurance.

According to MoneyGeek, the most affordable insurers in El Paso for drivers with violations are:

  • Cheapest after a ticket: State Farm, $877 per year
  • Cheapest after an at-fault accident: State Farm, $1,039 per year
  • Cheapest after a DUI: Esurance, $928 per year

If you improve your driving record over time, you will end up paying lower rates for car insurance. Comparing prices from several insurers will also help you to secure the best rates in the city if you have a DUI, at-fault accident or speeding ticket.

Cheapest Car Insurance in El Paso With a Violation
Speeding Ticket

Average Cost of Car Insurance in El Paso

El Paso$1,151
Texas$1,316
U.S.$1,424

The average annual cost of car insurance in El Paso is $1,151. This is lower than both the state and national averages. If you are an El Paso resident, you’ll pay about 12.5% less than the average yearly cost of car insurance in Texas, and about 19.2% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in El Paso

To compute car insurance quotes in El Paso, insurers consider multiple elements such as age, gender, marital status and make and model of the vehicle. In this city, a GEICO policy for an 18-year-old driver is nearly two and a half times more expensive than a policy for a 40-year-old driver. Drivers should regularly get a customized quote so you can find affordable coverage.

Compare Car Insurance Rates in El Paso

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in El Paso

MoneyGeek used several factors to determine the overall best car insurance providers in El Paso. These factors include affordability, financial stability and user satisfaction.

The top car insurance providers in El Paso balance customer service and affordability. Based on the scores, the best car insurance providers in the city for most drivers are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA scored the highest, at 100 out of 100. However, the company only sells policies to former and current military members and their families.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your residential neighborhood in El Paso also determines your insurance cost. For example, if you live in the city’s most affordable neighborhood for car insurance — 79912 — you will pay about $50 less in annual car insurance costs compared to people living in the 79938 area, which is El Paso’s most expensive ZIP code for auto coverage.

  • Zip Code
    State Minimumper year
  • 79912
    $1,131
  • 79924
    $1,142
  • 79907
    $1,144
  • 79936
    $1,160
  • 79938
    $1,181

Factors That Impact Insurance Costs in El Paso

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in El Paso. How El Paso ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities79th/300
handcuffs2 icon
Most Car Thefts65th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall288th/300
umbrella icon
Most Rainy Days243rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for El Paso are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.