Best Cheap Auto Insurance in El Paso, TX (2021)

The average El Paso, TX auto insurance rates are $310 per month. The minimum auto insurance in El Paso is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in El Paso, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in El Paso is USAA
  • Average auto insurance rates in El Paso, TX for senior drivers are $2,298 per year
  • The minimum auto insurance required in El Paso, Texas is 30/60/25

El Paso, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in El Paso can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in El Paso, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in El Paso to other Texas cities, including Arlington auto insurance rates, El Paso auto insurance rates, and Corpus Christi auto insurance rates to see how El Paso, Texas auto insurance rates stack up.

Before you buy El Paso, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free El Paso, Texas auto insurance quotes.

Minimum Auto Insurance in El Paso, Texas

El Paso, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in El Paso, Texas.

Minimum Required Auto Insurance Coverage in El Paso, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap El Paso, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in El Paso, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in El Paso, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,614 $3,661 $3,572 $3,572 $9,255 $11,216 $4,472 $4,682
American Family $2,556 $2,839 $2,398 $2,739 $6,823 $9,006 $3,674 $4,208
GEICO $2,301 $2,488 $2,221 $2,541 $5,027 $5,174 $2,491 $2,465
Nationwide $2,252 $2,303 $1,986 $2,117 $6,081 $7,879 $2,614 $2,842
Progressive $2,338 $2,259 $2,055 $2,109 $9,040 $10,087 $2,784 $2,853
State Farm $2,115 $2,115 $1,878 $1,878 $4,929 $6,253 $2,291 $2,359
USAA $1,627 $1,645 $1,554 $1,555 $4,441 $4,857 $2,169 $2,342

Cheap El Paso, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in El Paso, Texas is a challenge. Take a look at the annual teen auto insurance rates in El Paso, Texas.

Annual Auto Insurance Rates for Teen Drivers in El Paso, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,255 $11,216
American Family $6,823 $9,006
GEICO $5,027 $5,174
Nationwide $6,081 $7,879
Progressive $9,040 $10,087
State Farm $4,929 $6,253
USAA $4,441 $4,857

Cheap El Paso, Texas Auto Insurance for Seniors

What are senior auto insurance rates in El Paso, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in El Paso, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,572 $3,572
American Family $2,398 $2,739
GEICO $2,221 $2,541
Nationwide $1,986 $2,117
Progressive $2,055 $2,109
State Farm $1,878 $1,878
USAA $1,554 $1,555

Cheap El Paso, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in El Paso, Texas compared to the annual auto insurance rates with a clean record in El Paso, Texas.

Annual El Paso, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,337 $6,548 $6,801 $4,337
American Family $3,894 $4,979 $4,355 $3,894
GEICO $2,622 $3,455 $2,894 $3,383
Nationwide $3,034 $3,034 $4,531 $3,437
Progressive $3,664 $4,666 $4,290 $4,142
State Farm $2,658 $3,032 $3,561 $2,658
USAA $1,888 $2,778 $3,260 $2,168

Cheap El Paso, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in El Paso, Texas is not easy. Compare the annual rates for DUI auto insurance in El Paso, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in El Paso, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,801
American Family $4,355
GEICO $2,894
Nationwide $4,531
Progressive $4,290
State Farm $3,561
USAA $3,260

Cheap El Paso, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how El Paso, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in El Paso, Texas

Insurance Company Poor Fair Good
Allstate $7,019 $5,122 $4,375
American Family $5,911 $3,693 $3,237
GEICO $4,760 $2,700 $1,805
Nationwide $4,223 $3,368 $2,937
Progressive $4,768 $4,061 $3,742
State Farm $4,210 $2,626 $2,096
USAA $3,711 $2,139 $1,721

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Cheap El Paso, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in El Paso, Texas can vary. Compare the annual cost of auto insurance by ZIP code in El Paso, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in El Paso, Texas

ZIP Code Average Annual Rates
79901 $5,354
79902 $5,455
79903 $5,303
79904 $5,106
79905 $5,449
79906 $5,340
79907 $5,377
79910 $6,360
79911 $5,248
79912 $5,237
79915 $5,310
79922 $5,401
79924 $5,294
79925 $5,301
79927 $5,439
79928 $5,410
79930 $5,391
79932 $5,191
79934 $5,322
79935 $5,318
79936 $5,541
79938 $5,573
79968 $5,487

Cheap El Paso, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect El Paso, Texas auto insurance. Find the cheapest annual El Paso, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in El Paso, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,379 $5,632
American Family $4,280 $4,280
GEICO $3,028 $3,149
Nationwide $3,509 $3,509
Progressive $4,190 $4,190
State Farm $2,977 $2,977
USAA $2,491 $2,556

Cheap El Paso, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in El Paso, Texas? Check out the comparison of annual El Paso, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in El Paso, Texas

Insurance Company Low Medium High
Allstate $5,379 $5,458 $5,679
American Family $4,013 $4,134 $4,694
GEICO $2,900 $3,040 $3,325
Nationwide $3,788 $3,354 $3,385
Progressive $4,016 $4,173 $4,382
State Farm $2,813 $2,963 $3,156
USAA $2,433 $2,512 $2,625

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Best By Category: Cheapest Auto Insurance in El Paso, Texas

Compare the cheapest auto insurance companies in El Paso, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in El Paso, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest El Paso, Texas Auto Insurance Companies

What auto insurance companies in El Paso, Texas are the cheapest? Compare the top El Paso, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in El Paso, Texas

Insurance Company Average Annual Rates
Allstate $5,506
American Family $4,280
GEICO $3,089
Nationwide $3,509
Progressive $4,190
State Farm $2,977
USAA $2,524

What affects auto insurance rates in El Paso, Texas?

There are a lot of reasons why auto insurance rates in El Paso, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in El Paso, Texas. Many local factors may affect your El Paso auto insurance rates.

El Paso Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual El Paso, Texas auto theft statistics, there have been 817 auto thefts in the city.

El Paso Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average El Paso, Texas commute length is 23.2 minutes according to City-Data.

El Paso Traffic

How does El Paso, Texas rank for traffic? According to Inrix El Paso, Texas is the 914th most congested worldwide.

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Compare El Paso, Texas Auto Insurance Quotes

Before you buy El Paso, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free El Paso, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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