The average cost for full coverage car insurance in El Paso, Texas is $1,790 per year. However, car insurance rates are different for everyone — safe drivers pay less, while a single speeding ticket can raise your rates by hundreds with some companies.
Policygenius is an insurance marketplace. That means we can help you see options from multiple car insurance companies and choose the coverage that’s best for you.
Key Takeaways
Texas Farm Bureau Insurance has the lowest average rates in El Paso at $959 per year for full coverage.
Young drivers can reduce their insurance rates by keeping a clean driving record and getting good grades.
Texas minimum car insurance requirements are $30,000 per person/$60,000 per incident in bodily injury liability and $25,000 in property damage liability per incident.
Cheapest car insurance companies in El Paso, TX
Car insurance premiums are determined by many factors, like the car you drive, the amount of coverage you choose, and where you live. Insurance companies all use the same information when establishing car insurance rates, but each company is different in how they use your data to establish your rates.
The table below shows the cheapest car insurance rates in El Paso by company.
Company | Average cost | JD Power Rating |
|---|
Farm Bureau | $959 | -- |
State Farm | $1,131 | 882 |
Redpoint County Mutual | $1,191 | -- |
Germania Insurance | $1,254 | -- |
GEICO | $1,413 | 874 |
Cheapest car insurance rates by ZIP code in El Paso, TX
ZIP code is one of the biggest factors for insurance companies when establishing rates for customers. In neighborhoods with high rates of crime or car theft, rates will be much higher.
Other factors that contribute to rates in a given neighborhood include the availability of secured parking and whether there are a lot of accidents or citations issued for moving violations. The table below shows rates for the ten most expensive ZIP codes in El Paso.
ZIP code | Average cost |
|---|
79968 | $1,716 |
79932 | $1,751 |
79904 | $1,753 |
79912 | $1,761 |
79922 | $1,769 |
79903 | $1,775 |
79915 | $1,776 |
79934 | $1,778 |
79925 | $1,780 |
79905 | $1,782 |
Choosing the right car insurance company in El Paso, TX
Choosing the right car insurance company in El Paso is an important decision for you and your family. You want to be sure the company you select has been in business long enough to handle the claims if tragedy should strike. How does the company treat its customers? Will it raise your car insurance rates after your first accident?
Policygenius can help you get the best coverage for your insurance needs by showing you quotes from top companies, so you can make the right choice.
Car insurance rates for drivers with driving violations in El Paso, TX
Your driving history says a lot about you. It also tells insurance companies what kind of risk you are when it comes to car insurance. More tickets and accidents on your driving record will make it harder for you to find affordable car insurance, while a clean driving record means lower rates.
Below are the average rates for drivers in El Paso with a speeding ticket or other moving violations.
Cheapest car insurance for drivers with bad credit in El Paso, TX
If your credit score has gone down, it could have a significant impact on your car insurance rates. Insurers consider those with a low credit score as high-risk and more likely to file a claim.
If you have insurance with State Farm, for example, and have a low credit score, your insurance rates are more than double than of someone with a higher score. Below are the cheapest car insurance rates in El Paso for drivers with bad credit.
Company | Rates for drivers with bad credit |
|---|
Redpoint County Mutual | $1,191 |
Farm Bureau | $2,392 |
Germania Insurance | $2,463 |
Nationwide | $2,742 |
Mercury Insurance | $2,818 |
Buying car insurance in El Paso, TX
El Paso drivers will need to have the following minimum liability insurance requirements to be considered legally insured:
Bodily injury liability coverage per person: $30,000
Bodily injury liability coverage per accident: $60,000
Property damage liability coverage: $25,000
The insurance policy must be issued by a company licensed by the Texas Department of Insurance
Maintain continuous coverage on a vehicle even if it is inoperable or not being driven.
Texas is a fault state when it comes to car wrecks. This means that if you cause a crash, you’re responsible for paying for any damage or injuries to the other party or parties. The state also follows a modified comparative fault rule when more than one party is to blame for an accident.
If the case goes to trial, a jury will award damages based on the degree of fault. If the jury finds you more than 50 percent responsible for the wreck, you will not recover any damages due to the modified rule.
Many drivers in El Paso need more than just the state minimum requirements for car insurance because they drive an expensive car or have a car loan. Here are two options to consider:
Comprehensive Insurance: Covers damage from things like falling objects, vandalism, and fire
Collision Insurance: Will pay for repairs to your car if it’s damaged in a crash, even if you were at fault
How to get cheap car insurance in El Paso, TX
To help save on car insurance costs, many companies offer discounts as a way to save money. Here are some of the most common:
Military discount: Savings for active-duty military and their families
Take a defensive driving course: A discount to drivers who’ve recently taken a defensive driving course
Bundling discount: For combining renters or home insurance and car insurance with the same company
Good student discount: A discount for students who maintain a B average or better
Low mileage discount: For drivers who drive less than 7,500 miles a year.
Not everyone will qualify for these discounts, so be sure and ask your provider about other ways to lower your insurance costs.
Frequently asked questions
Who has the cheapest car insurance in El Paso?
According to our research, Texas Farm Bureau has the lowest rates in the city, at $959 per year for full coverage, but you should still compare quotes from multiple companies before you pick your policy.
What is the monthly cost of car insurance in El Paso, Texas?
The cost of car insurance in El Paso, Texas, is $152 per month for full coverage. Compared to the cost of coverage in Texas, El Paso is only $19 per year cheaper.
What is basic insurance coverage in El Paso, Texas?
In El Paso, drivers must carry at least $30,000 of bodily injury liability coverage per person, $60,000 per accident, and $25,000 of property damage liability per accident. However, it's recommended that you get more coverage, including comprehensive and collision, to be fully protected.
What happens if you drive without car insurance in El Paso?
It's illegal to drive without car insurance in El Paso and in the rest of Texas. Drivers can face fines and a suspended license if they're caught, along with the cost of a reinstatement fee before they can drive again.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
