Compare Rates and Save on Auto Insurance

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Needs and driving history determine insurance costs. Texas Farm Bureau has the cheapest minimum and full coverage in El Paso, plus the cheapest for seniors, military personnel, young drivers and after a speeding ticket.

Nationwide is the cheapest for teens, and Mercury with poor credit or after a DWI. After an at-fault accident, State Farm is the lowest.

MoneyGeek also researched the best auto insurance in El Paso with exceptional service at an affordable price.

MoneyGeek Logo IconCheapestCar InsuranceEl Paso
2023

Cheapest Car Insurance in El Paso, TX

Cheapest Minimum Coverage Car Insurance in El Paso

MoneyGeek found the following companies have, on average, the lowest-priced El Paso minimum coverage auto insurance policy:

  • Texas Farm Bureau: $270 per year
  • State Farm: $312 per year

At an annual cost of roughly $962, Dairyland has the highest minimum coverage insurance premium in El Paso of the companies MoneyGeek collected quotes from in 2023.

As of October 2022, the average cheapest car insurance company in Texas is State Farm, costing around $300 a year for minimum coverage. That is less than what State Farm charges in El Paso, demonstrating the significance geography plays in deciding auto insurance costs and which provider offers the best value.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$236

$20

Texas Farm Bureau

$270

$23

State Farm

$291

$24

State Farm

$312

$26

Texas Farm Bureau

$346

$29

Allstate

$346

$29

Mercury

$346

$29

Allstate

$356

$30

Mercury

$377

$31

State Farm

$382

$32

Allstate

$434

$36

Mercury

$444

$37

AAA Texas

$455

$38

Nationwide

$461

$38

AAA Texas

$476

$40

Nationwide

$483

$40

Progressive

$505

$42

Progressive

$514

$43

National General

$515

$43

National General

$532

$44

Chubb

$535

$45

GEICO

$539

$45

Texas Farm Bureau

$544

$45

GEICO

$565

$47

AAA Texas

$586

$49

Chubb

$587

$49

Progressive

$600

$50

GEICO

$614

$51

State Farm

$622

$52

Nationwide

$643

$54

Foremost

$648

$54

National General

$655

$55

Texas Farm Bureau

$662

$55

State Farm

$692

$58

Foremost

$760

$63

Allstate

$767

$64

Mercury

$806

$67

Texas Farm Bureau

$809

$67

Nationwide

$833

$69

Mercury

$838

$70

Allstate

$860

$72

State Farm

$884

$74

Foremost

$888

$74

Dairyland

$929

$77

GEICO

$932

$78

GEICO

$947

$79

Dairyland

$962

$80

AAA Texas

$1,005

$84

Nationwide

$1,026

$85

AAA Texas

$1,028

$86

Chubb

$1,030

$86

Mercury

$1,092

$91

Chubb

$1,096

$91

GEICO

$1,106

$92

Dairyland

$1,139

$95

Allstate

$1,153

$96

Progressive

$1,210

$101

Nationwide

$1,225

$102

Progressive

$1,255

$105

Chubb

$1,271

$106

National General

$1,329

$111

AAA Texas

$1,329

$111

Foremost

$1,435

$120

National General

$1,439

$120

Foremost

$1,508

$126

Progressive

$1,566

$131

Dairyland

$1,659

$138

National General

$1,687

$141

Dairyland

$1,867

$156

Foremost

$1,889

$157

Chubb

$1,958

$163

Dairyland

$2,286

$190

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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State law mandates the minimum liability insurance coverage a driver must have in Texas. The following coverage amounts are required for drivers in El Paso:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Minimum coverage insurance only covers third-party bodily injury liability and property damage.

As per Texas’ minimum insurance limits, in an at-fault accident, you can expect your insurance company to pay up to $25,000 in property damage, while any additional costs incurred must be paid by you.

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MONEYGEEK EXPERT TIP

Every Texas car insurer must offer uninsured/underinsured motorist (UM/UIM) coverage on a policy, and the policyholder can choose to reject it in writing. But, given the UM rate in Texas is over 8%, this coverage is worth having. UM/UIM covers the costs to repair your vehicle if you are hit by a driver who does not have insurance or who has coverage that is lower than what is needed to pay the total damages. It may also cover medical bills you and your passengers incur and other costs. Having UM/UIM also financially protects you from hit-and-runs. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Full Coverage Car Insurance in El Paso

For full coverage insurance in El Paso, the following companies offer the average cheapest rate:

  • Texas Farm Bureau: $662 per year
  • State Farm: $692 per year

Dairyland is the most expensive, with an average full coverage premium of $1,867.

With a yearly premium of around $711, State Farm provides the cheapest full coverage auto insurance in Texas as of October 2022. That is higher than the rate quoted by Texas Farm Bureau in El Paso. Location is a crucial factor in deciding insurance prices.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$236

$20

Texas Farm Bureau

$270

$23

State Farm

$291

$24

State Farm

$312

$26

Texas Farm Bureau

$346

$29

Allstate

$346

$29

Mercury

$346

$29

Allstate

$356

$30

Mercury

$377

$31

State Farm

$382

$32

Allstate

$434

$36

Mercury

$444

$37

AAA Texas

$455

$38

Nationwide

$461

$38

AAA Texas

$476

$40

Nationwide

$483

$40

Progressive

$505

$42

Progressive

$514

$43

National General

$515

$43

National General

$532

$44

Chubb

$535

$45

GEICO

$539

$45

Texas Farm Bureau

$544

$45

GEICO

$565

$47

AAA Texas

$586

$49

Chubb

$587

$49

Progressive

$600

$50

GEICO

$614

$51

State Farm

$622

$52

Nationwide

$643

$54

Foremost

$648

$54

National General

$655

$55

Texas Farm Bureau

$662

$55

State Farm

$692

$58

Foremost

$760

$63

Allstate

$767

$64

Mercury

$806

$67

Texas Farm Bureau

$809

$67

Nationwide

$833

$69

Mercury

$838

$70

Allstate

$860

$72

State Farm

$884

$74

Foremost

$888

$74

Dairyland

$929

$77

GEICO

$932

$78

GEICO

$947

$79

Dairyland

$962

$80

AAA Texas

$1,005

$84

Nationwide

$1,026

$85

AAA Texas

$1,028

$86

Chubb

$1,030

$86

Mercury

$1,092

$91

Chubb

$1,096

$91

GEICO

$1,106

$92

Dairyland

$1,139

$95

Allstate

$1,153

$96

Progressive

$1,210

$101

Nationwide

$1,225

$102

Progressive

$1,255

$105

Chubb

$1,271

$106

National General

$1,329

$111

AAA Texas

$1,329

$111

Foremost

$1,435

$120

National General

$1,439

$120

Foremost

$1,508

$126

Progressive

$1,566

$131

Dairyland

$1,659

$138

National General

$1,687

$141

Dairyland

$1,867

$156

Foremost

$1,889

$157

Chubb

$1,958

$163

Dairyland

$2,286

$190

A full coverage insurance policy includes liability as well as collision and comprehensive insurance:

  • Collision insurance: Covers damage to your vehicle in the event of an at-fault collision with another car or a stationary object, such as a tree, fence or light pole. Collision also covers damage from rollover accidents.
  • Comprehensive insurance: Damages caused by non-collision occurrences to your vehicle, including theft, fire, vandalism and natural disasters, are covered under comprehensive insurance.

Older cars may not benefit from full coverage insurance because the cost of the policy may be hundreds more a year for a vehicle that might not be worth much.

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Cheapest Car Insurance in El Paso After a Driving Offense

On average, the most affordable full coverage auto insurance in El Paso after a moving violation is with the following:

  • Speeding ticket: Texas Farm Bureau ($662 per year)
  • At-fault accident: State Farm ($846 per year)
  • DUI: Mercury ($1,085 per year)

The highest average annual quotes were from Chubb ($2,488) for drivers with a DWI (Texas does not have DUI), Dairyland ($2,283) for a speeding ticket and Foremost ($3,242) for drivers who caused an accident. No matter how inexpensive your insurance company is, you can count on seeing an increase in your premium after a driving violation and paying more than a safe driver’s rate.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$236

$20

Texas Farm Bureau

$270

$23

State Farm

$291

$24

State Farm

$312

$26

Texas Farm Bureau

$346

$29

Allstate

$346

$29

Allstate

$356

$30

State Farm

$375

$31

State Farm

$382

$32

State Farm

$398

$33

Texas Farm Bureau

$423

$35

Allstate

$434

$36

Texas Farm Bureau

$453

$38

State Farm

$476

$40

Mercury

$478

$40

Mercury

$490

$41

Nationwide

$543

$45

Texas Farm Bureau

$544

$45

Texas Farm Bureau

$546

$46

Progressive

$556

$46

Nationwide

$564

$47

Mercury

$573

$48

Chubb

$578

$48

State Farm

$581

$48

Mercury

$582

$48

Texas Farm Bureau

$584

$49

National General

$586

$49

Allstate

$592

$49

National General

$594

$50

Mercury

$595

$50

Progressive

$596

$50

Progressive

$602

$50

State Farm

$604

$50

National General

$604

$50

Allstate

$608

$51

GEICO

$609

$51

AAA Texas

$612

$51

National General

$618

$52

Mercury

$619

$52

State Farm

$622

$52

Texas Farm Bureau

$631

$53

Chubb

$634

$53

Allstate

$636

$53

AAA Texas

$639

$53

GEICO

$641

$53

Progressive

$646

$54

Allstate

$654

$55

Progressive

$661

$55

Texas Farm Bureau

$662

$55

GEICO

$667

$56

State Farm

$682

$57

AAA Texas

$687

$57

State Farm

$692

$58

Progressive

$708

$59

Mercury

$714

$60

AAA Texas

$718

$60

AAA Texas

$721

$60

Foremost

$727

$61

Nationwide

$732

$61

GEICO

$734

$61

National General

$742

$62

Allstate

$743

$62

National General

$744

$62

AAA Texas

$753

$63

Nationwide

$756

$63

Allstate

$767

$64

State Farm

$772

$64

Foremost

$777

$65

Progressive

$781

$65

Nationwide

$784

$65

AAA Texas

$787

$66

GEICO

$792

$66

Allstate

$797

$66

Chubb

$798

$67

National General

$808

$67

GEICO

$809

$67

Texas Farm Bureau

$809

$67

Texas Farm Bureau

$826

$69

Mercury

$844

$70

National General

$845

$70

State Farm

$846

$71

Progressive

$855

$71

Foremost

$860

$72

Allstate

$860

$72

Chubb

$877

$73

AAA Texas

$884

$74

State Farm

$884

$74

Progressive

$899

$75

Texas Farm Bureau

$903

$75

Mercury

$923

$77

Foremost

$926

$77

AAA Texas

$928

$77

Nationwide

$935

$78

Nationwide

$939

$78

GEICO

$941

$78

GEICO

$942

$79

Dairyland

$943

$79

Nationwide

$963

$80

National General

$967

$81

Foremost

$970

$81

Dairyland

$975

$81

Foremost

$1,020

$85

GEICO

$1,030

$86

Chubb

$1,044

$87

Texas Farm Bureau

$1,052

$88

Texas Farm Bureau

$1,053

$88

State Farm

$1,058

$88

Mercury

$1,085

$90

GEICO

$1,100

$92

GEICO

$1,102

$92

Nationwide

$1,105

$92

Chubb

$1,113

$93

Nationwide

$1,118

$93

State Farm

$1,144

$95

Chubb

$1,147

$96

Mercury

$1,152

$96

Allstate

$1,153

$96

Dairyland

$1,155

$96

Chubb

$1,182

$99

Nationwide

$1,193

$99

Mercury

$1,217

$101

State Farm

$1,218

$102

Allstate

$1,223

$102

GEICO

$1,228

$102

Dairyland

$1,242

$104

Texas Farm Bureau

$1,267

$106

Allstate

$1,287

$107

Texas Farm Bureau

$1,294

$108

AAA Texas

$1,301

$108

Dairyland

$1,322

$110

GEICO

$1,324

$110

AAA Texas

$1,325

$110

Allstate

$1,340

$112

Mercury

$1,346

$112

GEICO

$1,357

$113

Chubb

$1,374

$115

Dairyland

$1,380

$115

Mercury

$1,383

$115

Nationwide

$1,394

$116

Allstate

$1,400

$117

Nationwide

$1,409

$117

Dairyland

$1,413

$118

Progressive

$1,418

$118

State Farm

$1,429

$119

Progressive

$1,435

$120

AAA Texas

$1,437

$120

Mercury

$1,451

$121

AAA Texas

$1,460

$122

GEICO

$1,477

$123

AAA Texas

$1,497

$125

Dairyland

$1,498

$125

AAA Texas

$1,519

$127

Nationwide

$1,520

$127

Progressive

$1,531

$128

Chubb

$1,540

$128

Progressive

$1,554

$130

National General

$1,558

$130

Texas Farm Bureau

$1,594

$133

Mercury

$1,617

$135

Foremost

$1,630

$136

Foremost

$1,631

$136

National General

$1,632

$136

Dairyland

$1,634

$136

Chubb

$1,637

$136

GEICO

$1,661

$138

Dairyland

$1,674

$139

National General

$1,715

$143

AAA Texas

$1,722

$144

GEICO

$1,728

$144

Foremost

$1,728

$144

National General

$1,737

$145

GEICO

$1,737

$145

Foremost

$1,739

$145

Nationwide

$1,744

$145

Progressive

$1,745

$145

Allstate

$1,799

$150

Nationwide

$1,855

$155

Foremost

$1,856

$155

Progressive

$1,859

$155

Dairyland

$1,880

$157

Allstate

$1,882

$157

AAA Texas

$1,900

$158

Chubb

$1,900

$158

National General

$1,918

$160

Nationwide

$1,925

$160

Foremost

$1,939

$162

Progressive

$1,955

$163

Mercury

$1,956

$163

AAA Texas

$1,978

$165

Mercury

$1,989

$166

Chubb

$2,016

$168

Progressive

$2,026

$169

Foremost

$2,050

$171

National General

$2,068

$172

Foremost

$2,089

$174

Chubb

$2,115

$176

Chubb

$2,144

$179

National General

$2,172

$181

Foremost

$2,198

$183

Dairyland

$2,270

$189

Dairyland

$2,283

$190

Nationwide

$2,294

$191

Dairyland

$2,303

$192

National General

$2,304

$192

Progressive

$2,316

$193

National General

$2,428

$202

Chubb

$2,488

$207

Dairyland

$2,573

$214

Dairyland

$2,596

$216

Dairyland

$2,676

$223

Dairyland

$2,888

$241

Chubb

$2,928

$244

Foremost

$3,242

$270

Foremost

$3,743

$312

Foremost

$3,823

$319

Chubb

$3,834

$320

A higher premium may be warranted based on the seriousness of a driving infraction. A driving while intoxicated (DWI) conviction in El Paso may cost a driver around $273 more per year in car insurance than a speeding ticket. Despite this, it is still possible to obtain affordable car insurance with a bad driving record.

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MONEYGEEK EXPERT TIP

An at-fault accident will cause your car insurance premium to increase, potentially for three years or more. If you have a clean motor vehicle record and want to avoid a premium increase if you get into an at-fault accident, include accident forgiveness on your car insurance policy. With this coverage, you won't pay more after your first at-fault accident, which will save you a great deal of money. You can add accident forgiveness to your policy with many companies or earn it for safe driving habits with some companies, such as GEICO. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in El Paso for Teens and Their Families

In El Paso, on average, the most affordable insurers for teens added to their parents' full coverage policy are:

  • Nationwide: $1,899 per year for female teens; $2,175 per year for male teens
  • State Farm: $1,961 per year for female teens; $2,360 per year for male teens

Allstate's rates are the most expensive in El Paso, averaging $6,392 for teen females and $7,528 for males per year.

Furthermore, the cheapest, Nationwide, charges male teens around $276 more than females. Until early adulthood, males may cost more to insure than females because of the perceived higher risk they pose.

It is possible to uncover more affordable options for teen auto insurance by doing some comparison shopping.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$712

$3,012

State Farm

$824

$3,488

State Farm

$845

$4,056

State Farm

$886

$3,749

State Farm

$1,166

$3,586

Nationwide

$1,232

$2,214

Nationwide

$1,244

$2,387

State Farm

$1,284

$4,294

Nationwide

$1,304

$2,996

State Farm

$1,306

$4,018

State Farm

$1,379

$4,941

Nationwide

$1,388

$3,458

Nationwide

$1,391

$2,500

Nationwide

$1,413

$2,801

State Farm

$1,436

$4,418

Nationwide

$1,470

$2,642

Nationwide

$1,480

$2,838

Nationwide

$1,493

$3,218

State Farm

$1,538

$5,901

State Farm

$1,565

$5,234

Nationwide

$1,571

$3,013

State Farm

$1,602

$5,431

Allstate

$1,661

$2,079

State Farm

$1,764

$6,680

Nationwide

$1,766

$4,937

Allstate

$1,795

$2,147

Nationwide

$1,804

$5,816

Nationwide

$1,845

$4,237

Nationwide

$1,899

$6,295

State Farm

$1,902

$7,417

State Farm

$1,915

$6,493

GEICO

$1,921

$2,873

GEICO

$1,932

$3,461

Nationwide

$1,940

$6,256

GEICO

$1,942

$2,750

State Farm

$1,957

$7,408

State Farm

$1,961

$8,190

GEICO

$1,968

$2,942

GEICO

$1,973

$2,793

GEICO

$1,978

$3,448

Nationwide

$2,006

$6,340

Allstate

$2,010

$2,515

GEICO

$2,014

$3,158

Allstate

$2,038

$2,933

GEICO

$2,054

$3,071

GEICO

$2,056

$3,155

Nationwide

$2,066

$7,390

GEICO

$2,080

$2,945

Nationwide

$2,084

$5,191

State Farm

$2,122

$8,329

Allstate

$2,138

$2,675

Nationwide

$2,175

$7,999

Progressive

$2,218

$2,699

Nationwide

$2,222

$7,948

Foremost

$2,253

$3,395

GEICO

$2,280

$4,670

GEICO

$2,300

$4,120

Foremost

$2,316

$2,970

Progressive

$2,318

$4,471

Progressive

$2,342

$2,709

Allstate

$2,344

$2,804

State Farm

$2,354

$9,236

State Farm

$2,360

$10,220

GEICO

$2,364

$4,736

Allstate

$2,392

$3,414

GEICO

$2,394

$4,172

Allstate

$2,405

$3,316

Foremost

$2,420

$3,104

Foremost

$2,426

$3,232

Foremost

$2,448

$3,139

GEICO

$2,456

$5,570

Progressive

$2,518

$4,837

Foremost

$2,522

$3,927

Foremost

$2,536

$3,131

GEICO

$2,559

$5,718

Allstate

$2,576

$3,081

Progressive

$2,659

$3,075

Progressive

$2,686

$3,269

Foremost

$2,730

$3,371

GEICO

$2,752

$6,244

Progressive

$2,770

$6,065

Foremost

$2,779

$3,706

Allstate

$2,812

$3,874

Progressive

$2,814

$3,889

GEICO

$2,818

$7,360

Progressive

$2,825

$4,158

Progressive

$2,848

$5,495

Foremost

$2,850

$3,519

Progressive

$2,893

$3,346

GEICO

$2,907

$6,497

Foremost

$2,970

$9,222

Progressive

$2,980

$3,626

GEICO

$2,981

$7,767

Foremost

$3,069

$9,355

Foremost

$3,086

$9,583

Progressive

$3,142

$6,939

Allstate

$3,185

$5,334

Foremost

$3,229

$9,844

Allstate

$3,282

$4,526

Progressive

$3,295

$6,329

Foremost

$3,310

$5,919

Foremost

$3,337

$5,985

Foremost

$3,491

$13,715

Progressive

$3,509

$12,596

Foremost

$3,647

$5,680

Foremost

$3,667

$14,341

Foremost

$3,749

$5,648

Allstate

$3,760

$6,319

Allstate

$3,882

$5,348

Progressive

$3,909

$14,591

Progressive

$3,910

$14,146

Progressive

$4,155

$14,916

Progressive

$4,304

$16,117

Progressive

$4,549

$16,460

Allstate

$4,842

$6,399

Allstate

$5,696

$7,541

Allstate

$5,908

$7,809

Allstate

$6,392

$11,136

Allstate

$6,954

$9,207

Allstate

$7,528

$13,153

Adding a teen driver to a parent's policy is more economical than purchasing them a policy, and in most cases, it is illegal for a teen under 18 to purchase an auto insurance policy without a parent or guardian as a co-signer. Taking El Paso as an example, the cost of a male teen's individual insurance policy is around $3,267 more than the cost when added to a parent's policy. By researching the cheapest rates for a teen auto insurance policy, you can save money.

Cheapest Car Insurance in El Paso for Military Drivers

In El Paso, active-duty military personnel, veterans and their families get the average cheapest full coverage auto insurance from the following companies:

  • Texas Farm Bureau: $662 per year
  • State Farm: $692 per year

USAA is an alternative; it may provide cheap car insurance to military members with a policy that caters to them. In El Paso, the average cost for full coverage with USAA is $868 per year.

The above prices and rankings apply to full coverage insurance policies. For minimum coverage, Texas Farm Bureau is still the cheapest choice, averaging $270 per year, while State Farm comes in second again, at an average annual cost of $312.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$236

$20

Texas Farm Bureau

$270

$23

State Farm

$291

$24

State Farm

$312

$26

Texas Farm Bureau

$346

$29

Allstate

$346

$29

Mercury

$346

$29

USAA

$352

$29

Allstate

$356

$30

USAA

$376

$31

Mercury

$377

$31

State Farm

$382

$32

USAA

$422

$35

Allstate

$434

$36

Mercury

$444

$37

AAA Texas

$455

$38

Nationwide

$461

$38

AAA Texas

$476

$40

Nationwide

$483

$40

Progressive

$505

$42

Progressive

$514

$43

National General

$515

$43

National General

$532

$44

Chubb

$535

$45

GEICO

$539

$45

Texas Farm Bureau

$544

$45

GEICO

$565

$47

AAA Texas

$586

$49

Chubb

$587

$49

Progressive

$600

$50

GEICO

$614

$51

State Farm

$622

$52

Nationwide

$643

$54

Foremost

$648

$54

National General

$655

$55

Texas Farm Bureau

$662

$55

State Farm

$692

$58

Foremost

$760

$63

Allstate

$767

$64

Mercury

$806

$67

Texas Farm Bureau

$809

$67

Nationwide

$833

$69

Mercury

$838

$70

USAA

$843

$70

Allstate

$860

$72

USAA

$868

$72

State Farm

$884

$74

Foremost

$888

$74

Dairyland

$929

$77

GEICO

$932

$78

GEICO

$947

$79

Dairyland

$962

$80

AAA Texas

$1,005

$84

Nationwide

$1,026

$85

AAA Texas

$1,028

$86

Chubb

$1,030

$86

USAA

$1,058

$88

Mercury

$1,092

$91

Chubb

$1,096

$91

GEICO

$1,106

$92

Dairyland

$1,139

$95

Allstate

$1,153

$96

Progressive

$1,210

$101

Nationwide

$1,225

$102

Progressive

$1,255

$105

Chubb

$1,271

$106

National General

$1,329

$111

AAA Texas

$1,329

$111

Foremost

$1,435

$120

National General

$1,439

$120

Foremost

$1,508

$126

Progressive

$1,566

$131

Dairyland

$1,659

$138

National General

$1,687

$141

Dairyland

$1,867

$156

Foremost

$1,889

$157

Chubb

$1,958

$163

Dairyland

$2,286

$190

How to Compare Cheap El Paso Car Insurance Quotes Online

Comparing auto insurance quotes online in El Paso could be time-consuming and tedious. It may take up to 15 minutes for a single company to give you an insurance quote and you may be asked for a lot of personal information as part of the process. You can quickly estimate your auto insurance premium from numerous providers with the help of MoneyGeek's auto insurance calculator. Simply enter essential information, such as your age, car model, coverage needs and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Texas
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30-65
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Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

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Cheapest Car Insurance in El Paso for Young Adults

The following companies, on average, offer the cheapest full coverage auto insurance for young drivers in El Paso:

  • Texas Farm Bureau: $809 per year
  • State Farm: $884 per year

The most expensive full coverage insurance policy is from Dairyland, with an average yearly premium of $2,286.

In El Paso, drivers in their mid-20s pay around $316 more annually for auto insurance than drivers in their 40s because they have less experience and higher accident frequency than more experienced drivers.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$236

$20

Texas Farm Bureau

$270

$23

State Farm

$291

$24

State Farm

$312

$26

Texas Farm Bureau

$346

$29

Allstate

$346

$29

Mercury

$346

$29

Allstate

$356

$30

Mercury

$377

$31

State Farm

$382

$32

Allstate

$434

$36

Mercury

$444

$37

AAA Texas

$455

$38

Nationwide

$461

$38

AAA Texas

$476

$40

Nationwide

$483

$40

Progressive

$505

$42

Progressive

$514

$43

National General

$515

$43

National General

$532

$44

Chubb

$535

$45

GEICO

$539

$45

Texas Farm Bureau

$544

$45

GEICO

$565

$47

AAA Texas

$586

$49

Chubb

$587

$49

Progressive

$600

$50

GEICO

$614

$51

State Farm

$622

$52

Nationwide

$643

$54

Foremost

$648

$54

National General

$655

$55

Texas Farm Bureau

$662

$55

State Farm

$692

$58

Foremost

$760

$63

Allstate

$767

$64

Mercury

$806

$67

Texas Farm Bureau

$809

$67

Nationwide

$833

$69

Mercury

$838

$70

Allstate

$860

$72

State Farm

$884

$74

Foremost

$888

$74

Dairyland

$929

$77

GEICO

$932

$78

GEICO

$947

$79

Dairyland

$962

$80

AAA Texas

$1,005

$84

Nationwide

$1,026

$85

AAA Texas

$1,028

$86

Chubb

$1,030

$86

Mercury

$1,092

$91

Chubb

$1,096

$91

GEICO

$1,106

$92

Dairyland

$1,139

$95

Allstate

$1,153

$96

Progressive

$1,210

$101

Nationwide

$1,225

$102

Progressive

$1,255

$105

Chubb

$1,271

$106

National General

$1,329

$111

AAA Texas

$1,329

$111

Foremost

$1,435

$120

National General

$1,439

$120

Foremost

$1,508

$126

Progressive

$1,566

$131

Dairyland

$1,659

$138

National General

$1,687

$141

Dairyland

$1,867

$156

Foremost

$1,889

$157

Chubb

$1,958

$163

Dairyland

$2,286

$190

Cheapest Car Insurance in El Paso for Seniors

On average, these are the most affordable auto insurance providers for senior drivers in El Paso with full coverage:

  • Texas Farm Bureau: $544 per year
  • State Farm: $622 per year

Dairyland is the most expensive insurer for those 60+ with full coverage, charging about $1,659 annually.

Compared to drivers in their 40s, MoneyGeek found that seniors in their 60s in El Paso save around $58 on auto insurance annually, which isn't common. Beyond the age of 70, premiums typically rise as their risk factors increase for causing accidents.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$236

$20

Texas Farm Bureau

$270

$23

State Farm

$291

$24

State Farm

$312

$26

Texas Farm Bureau

$346

$29

Allstate

$346

$29

Mercury

$346

$29

Allstate

$356

$30

Mercury

$377

$31

State Farm

$382

$32

Allstate

$434

$36

Mercury

$444

$37

AAA Texas

$455

$38

Nationwide

$461

$38

AAA Texas

$476

$40

Nationwide

$483

$40

Progressive

$505

$42

Progressive

$514

$43

National General

$515

$43

National General

$532

$44

Chubb

$535

$45

GEICO

$539

$45

Texas Farm Bureau

$544

$45

GEICO

$565

$47

AAA Texas

$586

$49

Chubb

$587

$49

Progressive

$600

$50

GEICO

$614

$51

State Farm

$622

$52

Nationwide

$643

$54

Foremost

$648

$54

National General

$655

$55

Texas Farm Bureau

$662

$55

State Farm

$692

$58

Foremost

$760

$63

Allstate

$767

$64

Mercury

$806

$67

Texas Farm Bureau

$809

$67

Nationwide

$833

$69

Mercury

$838

$70

Allstate

$860

$72

State Farm

$884

$74

Foremost

$888

$74

Dairyland

$929

$77

GEICO

$932

$78

GEICO

$947

$79

Dairyland

$962

$80

AAA Texas

$1,005

$84

Nationwide

$1,026

$85

AAA Texas

$1,028

$86

Chubb

$1,030

$86

Mercury

$1,092

$91

Chubb

$1,096

$91

GEICO

$1,106

$92

Dairyland

$1,139

$95

Allstate

$1,153

$96

Progressive

$1,210

$101

Nationwide

$1,225

$102

Progressive

$1,255

$105

Chubb

$1,271

$106

National General

$1,329

$111

AAA Texas

$1,329

$111

Foremost

$1,435

$120

National General

$1,439

$120

Foremost

$1,508

$126

Progressive

$1,566

$131

Dairyland

$1,659

$138

National General

$1,687

$141

Dairyland

$1,867

$156

Foremost

$1,889

$157

Chubb

$1,958

$163

Dairyland

$2,286

$190

Cheapest Car Insurance in El Paso for Poor Credit

The following insurers in El Paso, on average, offer the most affordable car insurance for those with bad credit and full coverage:

  • Mercury: $1,195 per year
  • Allstate: $1,311 per year

For people with poor credit, the yearly premium for State Farm full coverage auto insurance in El Paso is approximately $3,759, making it the most expensive.

Your insurance provider may consider your credit-based insurance score when determining your premium. In El Paso, drivers with poor credit may pay around $900 or 82% more than those with good credit for auto insurance.

Company
Annual Premium
Monthly Premium

Mercury

$480

$40

Texas Farm Bureau

$486

$41

Allstate

$513

$43

Mercury

$523

$44

Allstate

$526

$44

Texas Farm Bureau

$561

$47

Nationwide

$602

$50

Mercury

$621

$52

Nationwide

$632

$53

Allstate

$644

$54

AAA Texas

$714

$60

Texas Farm Bureau

$724

$60

National General

$746

$62

AAA Texas

$746

$62

Foremost

$774

$65

National General

$774

$65

Progressive

$801

$67

Progressive

$815

$68

Nationwide

$855

$71

Foremost

$911

$76

National General

$916

$76

AAA Texas

$918

$77

Chubb

$944

$79

Progressive

$952

$79

Chubb

$1,037

$86

Foremost

$1,065

$89

Dairyland

$1,155

$96

Allstate

$1,165

$97

Mercury

$1,195

$100

Texas Farm Bureau

$1,196

$100

Dairyland

$1,198

$100

Mercury

$1,235

$103

Nationwide

$1,239

$103

Allstate

$1,311

$109

Nationwide

$1,368

$114

Dairyland

$1,419

$118

Texas Farm Bureau

$1,473

$123

GEICO

$1,548

$129

GEICO

$1,550

$129

AAA Texas

$1,576

$131

State Farm

$1,580

$132

AAA Texas

$1,613

$134

Mercury

$1,622

$135

GEICO

$1,674

$140

State Farm

$1,697

$141

Foremost

$1,751

$146

Allstate

$1,758

$147

Nationwide

$1,794

$150

Texas Farm Bureau

$1,802

$150

Chubb

$1,823

$152

Foremost

$1,838

$153

Chubb

$1,939

$162

Progressive

$2,011

$168

State Farm

$2,073

$173

AAA Texas

$2,087

$174

Progressive

$2,094

$175

Dairyland

$2,122

$177

National General

$2,244

$187

Chubb

$2,250

$188

Foremost

$2,308

$192

National General

$2,350

$196

Dairyland

$2,420

$202

GEICO

$2,577

$215

Progressive

$2,621

$218

GEICO

$2,700

$225

Dairyland

$2,950

$246

National General

$3,015

$251

GEICO

$3,018

$252

State Farm

$3,380

$282

Chubb

$3,467

$289

State Farm

$3,759

$313

State Farm

$4,806

$400

Insurance companies frequently believe that individuals with bad credit are more likely to file claims. You can still get good insurance prices even if you have bad credit.

It may be possible to lower auto insurance costs using strategies like getting common insurer discounts, bundling insurance policies and comparing quotes from many providers. Plus, if you make an effort to improve your credit score — things you can do include making on-time payments and not maxing out your credit cards — your credit-based insurance score may increase, lowering the cost of auto insurance.

Cheapest Car Insurance in El Paso for Sports Cars

The average cheapest full coverage insurance for a sports car in El Paso is with the following companies:

  • State Farm: $847 per year
  • GEICO: $1,050 per year

Dairyland has the most expensive full coverage sports car insurance in the city, with a yearly premium averaging $1,965.

Insurance for sports cars can be higher than for other types of cars because of their greater maintenance and repair costs. For example, the cost of insuring a Ford Mustang sports car in El Paso is roughly $268 more a year or nearly 25% higher than insuring a standard Toyota Camry.

Company
Annual Premium
Monthly Premium

State Farm

$320

$27

State Farm

$343

$29

Allstate

$349

$29

Allstate

$359

$30

State Farm

$419

$35

Allstate

$437

$36

Nationwide

$452

$38

GEICO

$460

$38

Nationwide

$473

$39

GEICO

$481

$40

Progressive

$487

$41

Progressive

$501

$42

GEICO

$519

$43

Progressive

$594

$50

Chubb

$597

$50

Foremost

$613

$51

Nationwide

$628

$52

Chubb

$655

$55

Foremost

$724

$60

State Farm

$762

$63

State Farm

$847

$71

Foremost

$856

$71

Dairyland

$875

$73

Dairyland

$906

$76

Allstate

$961

$80

Nationwide

$961

$80

GEICO

$984

$82

GEICO

$1,050

$88

Dairyland

$1,072

$89

State Farm

$1,095

$91

Allstate

$1,105

$92

Chubb

$1,151

$96

Nationwide

$1,204

$100

GEICO

$1,229

$102

Chubb

$1,269

$106

Progressive

$1,387

$116

Nationwide

$1,447

$121

Chubb

$1,472

$123

Allstate

$1,498

$125

Progressive

$1,619

$135

Foremost

$1,622

$135

Foremost

$1,653

$138

Dairyland

$1,716

$143

Dairyland

$1,965

$164

Progressive

$2,058

$172

Foremost

$2,146

$179

Chubb

$2,266

$189

Dairyland

$2,406

$200

Despite the wide variation in sports cars, MoneyGeek used a Ford Mustang, but pricing can change with the make and model of a sports car. Plus, it's crucial to be aware that rates for sports cars, electric cars and luxury cars are frequently higher.

Average Cost of Car Insurance in El Paso

The average annual full coverage auto insurance rate in El Paso is $1,093, which is around $172 less than the national car insurance average cost of $1,265. These full coverage rates include bodily injury liability coverage of $100,000 per person and $300,000 per accident and property damage liability coverage of $100,000. While prices may vary greatly from one location to the next, on average, auto insurance in El Paso costs $108 less than the Texas auto insurance cost of $1,201 annually.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Wichita Falls

$965

$426

San Angelo

$1,001

$410

Abilene

$1,016

$436

College Station

$1,032

$500

Midland

$1,037

$461

Waco

$1,038

$491

Killeen

$1,052

$503

El Paso

$1,093

$495

Lubbock

$1,095

$499

Round Rock

$1,098

$542

Odessa

$1,128

$490

Denton

$1,132

$558

Tyler

$1,135

$554

Corpus Christi

$1,140

$578

Lewisville

$1,151

$572

Allen

$1,158

$571

Austin

$1,159

$571

Frisco

$1,159

$574

Fort Worth

$1,168

$563

McKinney

$1,171

$573

Arlington

$1,174

$576

Plano

$1,207

$596

Amarillo

$1,209

$512

San Antonio

$1,220

$601

League City

$1,221

$607

Sugar Land

$1,242

$623

Beaumont

$1,242

$623

Laredo

$1,249

$557

Irving

$1,251

$606

Richardson

$1,256

$620

Carrollton

$1,257

$617

The Woodlands

$1,267

$639

Pasadena

$1,274

$630

Brownsville

$1,276

$622

Grand Prairie

$1,287

$630

Pearland

$1,298

$645

Mesquite

$1,302

$639

Dallas

$1,314

$640

Garland

$1,322

$657

McAllen

$1,364

$668

Houston

$1,436

$699

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.