Best car insurance in El Paso, TX (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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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.

Ready to shop car insurance?

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.

Methodology & why you can trust our rates

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.

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

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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.

Violation

Farm Bureau

State Farm

Redpoint County Mutual

Germania Insurance

GEICO

At-fault accident

$1,585

$1,339

$1,191

$1,685

$2,155

DUI

$1,939

$1,760

$1,191

$2,761

$2,379

Suspended license

$1,041

$1,549

$1,191

$2,223

$2,379

Open container

$1,939

$1,674

$1,191

$1,337

$2,379

Expired registration

$1,041

$1,149

$1,191

$1,337

$1,660

Driving without lights

$1,041

$1,149

$1,191

$1,337

$1,660

Running a red light

$1,041

$1,149

$1,191

$1,337

$1,660

Following too closely

$1,041

$1,149

$1,191

$1,337

$1,660

Hit and run

$1,041

$1,760

$1,191

$2,761

$2,379

Not-at-fault accident

$1,041

$1,149

$1,191

$1,391

$1,391

Passing a school bus

$1,041

$1,149

$1,191

$1,337

$1,660

Reckless driving

$1,041

$1,760

$1,191

$2,761

$2,379

Speeding

$1,041

$1,149

$1,191

$1,337

$2,379

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Cheapest car insurance for drivers with a DUI in El Paso, TX

Company

Rates for drivers with DUIs

Redpoint County Mutual

$1,191

State Farm

$1,760

Farm Bureau

$1,939

GEICO

$2,379

Germania Insurance

$2,761

Cheapest car insurance for drivers with a speeding ticket in El Paso, TX

Company

Rates for drivers with speeding tickets

Farm Bureau

$1,041

State Farm

$1,149

Redpoint County Mutual

$1,191

Germania Insurance

$1,337

GEICO

$2,379

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

Ready to shop car insurance?

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.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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