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.

Loading...
By  
  |  
iconribbonbestauto insuranceEl Paso2021

The Cheapest and Best Car Insurance in El Paso

The Cheapest Car Insurance Companies in El Paso

For the average El Paso driver, the cheapest options for full coverage insurance are:

  • Farmers: $769 per year
  • USAA: $853 per year (only available to current and former military members)

The cheapest car insurance company on average in El Paso is Farmers. Coverage with Farmers is approximately 177% less expensive compared to coverage with El Paso’s costliest car insurance firm, The General.

MoneyGeek’s study includes insurance rates from various carriers in El Paso for a 40-year-old male driver with a full coverage policy, which includes liability insurance and comprehensive and collision insurance.

Scroll for more

swipe icon

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.

Loading...

The Best Car Insurance Companies in El Paso

MoneyGeek ranked the best companies in El Paso to help drivers looking for a balance of affordability and quality service. Based on MoneyGeek’s scoring system, the top insurers 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 received the highest score in El Paso by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

The final scores out of 100 are based on ratings for various factors, including J.D. Power user satisfaction, affordability and financial stability.


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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in El Paso could save you $383, which is enough to buy:


coffeeColor icon
128Cups of Coffee
computer icon
29Months of Your Favorite Streaming Service

Cheapest Car Insurance in El Paso by Coverage Amount

One of the biggest factors that affect car insurance rates in El Paso and elsewhere is the amount of coverage you buy. A policy only meeting state minimums costs $544 on average in El Paso. A full coverage policy with higher liability limits in the city costs an average of $1,151, which is a difference of $607.

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.

Insurance companies create plans with varying limits for each level and type of coverage. Farmers offers both 50/100/50 liability-only and full-coverage plans in El Paso. Farmers’ full-coverage policy costs about $360 more than a liability-only policy.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
Loading...

Cheapest Car Insurance in El Paso if You Have Driving Violations

You’ll have to pay higher insurance rates if you have a speeding ticket or other violation on your driving record. In El Paso, Farmers policyholders with a DUI on their record will pay about $342 more per year than drivers with a clean record, and those with a speeding ticket on their record will pay about $243 more annually.

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.

Loading...

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.