The best car insurance in El Paso, TX

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 29, 2021

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The average cost for full coverage car insurance in El Paso is $1,821 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.

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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 $954 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

Texas Farm Bureau

$954

--

State Farm

$1,230

881

Germania Insurance

$1,241

--

GEICO

$1,321

871

Redpoint County Mutual

$1,542

--

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

79901

$1,818

79902

$1,816

79903

$1,807

79904

$1,786

79905

$1,810

79907

$1,825

79910

$1,922

79911

$1,828

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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Redpoint County Mutual

At-fault Accident

$1,578

$1,465

$1,674

$2,071

$2,552

DUI

$3,777

$1,944

$2,761

$2,284

$3,863

Driving with a suspended license

$1,597

$1,705

$2,217

$2,284

$3,863

Driving with an open container

$3,777

$1,850

$1,324

$2,284

$1,581

Driving with expired registration

$1,037

$1,250

$1,324

$1,574

$1,581

Driving without Lights

$1,037

$1,250

$1,324

$1,574

$1,581

Failure to show documents

$1,037

$1,250

$1,324

$1,574

$1,581

Failure to stop at a red light

$1,037

$1,250

$1,324

$1,574

$1,581

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

$2,208

Texas Farm Bureau

$2,379

Germania Insurance

$2,440

State Farm

$2,563

Nationwide

$2,653

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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 $954 per year for full coverage, but you should still compare quotes from multiple companies before you pick your policy.

I’m almost 25. Will my car insurance rates go down?

Many insurance companies lower rates for drivers when they turn 25, but other factors such as your credit score and driving record could still impact your rates.

I’m having a hard time paying my bills. Can I stop paying my insurance bill?

If you stop paying for car insurance, your insurance company may report you to your DMV or equivalent agency, and you could potentially lose your license if you’re caught driving without insurance.

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.