Compare El Paso, TX Car Insurance Rates (2021)

Car insurance in El Paso, TX averages $310 a month. El Paso, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap El Paso car insurance rates, compare quotes from the top car insurance companies in El Paso, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in El Paso is 79904
  • Average car insurance rates in El Paso, TX are $3,725/year
  • The cheapest car insurance company in El Paso for teen drivers is USAA

If you need to buy El Paso, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in El Paso, TX is right here.

You’ll find El Paso car insurance rates, the cheapest El Paso, TX car insurance companies, and information on Texas car insurance laws. You can also compare El Paso, Texas car insurance rates to Houston car insurance rates, Arlington car insurance rates, and Corpus Christi car insurance rates.

Ready to find affordable El Paso, TX car insurance today? Enter your ZIP code for fast, free El Paso car insurance quotes.

Cheapest El Paso, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect El Paso, TX car insurance rates? Every El Paso, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in El Paso, TX

Every driver must carry the minimum car insurance in El Paso, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car 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

Cheapest El Paso, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in El Paso, TX. Compare credit history car insurance rates in El Paso from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest El Paso, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in El Paso, TX to rates for a clean record with top companies.

Annual El Paso, Texas Car 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

Cheapest El Paso, TX Car Insurance for Teen Drivers

Teen car insurance in El Paso, TX can be expensive. Take a look at rates from the top car insurance companies in El Paso for teenagers.

Annual Car 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

Cheapest El Paso, TX Car Insurance for Seniors

Take a look at El Paso, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest El Paso, TX Car Insurance Rates After a DUI

A DUI in El Paso, TX increases car insurance rates. Compare El Paso, Texas DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest El Paso, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in El Paso, TX by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest El Paso, TX Car Insurance Rates by ZIP Code

El Paso car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in El Paso, TX.

Annual Car 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

The Best Cheap Car Insurance Companies in El Paso, TX

Take a look at a side-by-side comparison of the top car insurance companies in El Paso, TX to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in El Paso, Texas

Find the cheapest car insurance companies in El Paso, TX for each category right here.

Best Annual Car 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

Cheapest El Paso, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your El Paso car insurance rates. Find the cheapest El Paso, TX car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in El Paso, Texas?

What factors can have an impact on El Paso, TX car insurance? There are several reasons why El Paso car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in El Paso, Texas.

Car Theft in El Paso

High levels of vehicle theft can make car insurance more expensive. El Paso, TX car theft statistics from the FBI indicate 817 vehicle thefts a year.

Commute Time in El Paso

The more time you spend in your car the higher the risk of an accident. The average commute length in El Paso, TX is 23.2 minutes according to City-Data.

Traffic in El Paso

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. El Paso, TX traffic data from INRIX ranks El Paso as the 914th-most congested in the world.

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Compare Car Insurance Quotes in El Paso, TX

Ready to find affordable El Paso, Texas car insurance today? Enter your ZIP code for fast, free El Paso, TX car insurance quotes.

Free Car Insurance Comparison

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

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