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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.

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The Best Cheap Car Insurance Companies in El Paso

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.

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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.

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Cheapest Car Insurance in El Paso by Coverage Amount

How much car insurance coverage you purchase in El Paso also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in El Paso if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,012
    $1,076
    $1,110
  • $877
    $1,039
    $1,416
  • 3. USAA
    $958
    $1,321
    $1,252
  • $1,002
    $1,191
    $1,466
  • $928
    $2,005
    $928
  • $1,108
    $1,620
    $1,683
  • 7. AAA
    $1,417
    $1,549
    $1,631
  • $1,307
    $1,625
    $1,949
  • $1,562
    $1,982
    $1,576
  • $1,366
    $2,945
    $3,293
  • 11. The General
    $2,131
    $2,697
    $2,376

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
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Most Car Thefts65th/300
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Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall288th/300
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Most Rainy Days243rd/300

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


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128Cups of Coffee
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29Months of Your Favorite Streaming Service

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.

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.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.