Who Has the Cheapest Car Insurance Quotes in El Paso, Texas?
Texas Farm Bureau has the cheapest auto insurance in El Paso, at $77 per month, on average.
Compare Car Insurance Rates in El Paso, TX
Best cheap car insurance in El Paso, TX
How we chose the top companies
Best and cheapest car insurance in Texas
- Cheapest full coverage: Texas Farm Bureau, $77/mo
- Cheapest minimum liability: Texas Farm Bureau, $27/mo
- Cheapest for young drivers: Texas Farm Bureau, $51/mo
- Cheapest after a ticket: Texas Farm Bureau, $77/mo
- Cheapest after an accident: Texas Farm Bureau, $118/mo
- Cheapest for teens after a ticket: Texas Farm Bureau, $51/mo
- Cheapest after a DUI: State Farm, $124/mo
- Cheapest for poor credit: Texas Farm Bureau, $174/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Texas Farm Bureau has the most affordable car insurance in El Paso for most people. However, the company also has a middle-of-the-road customer service reputation. Consider State Farm or USAA if you don't mind paying a little more for better service.
State Farm has the cheapest coverage for Texas drivers with a DUI. The company has affordable rates for most drivers, but it's not a good choice if you have poor credit.
Cheapest car insurance in El Paso: Texas Farm Bureau
Texas Farm Bureau has the cheapest auto insurance in El Paso.
The company charges an average of $77 per month for a full coverage policy. That's less than half the city average of $172 per month.
Find Cheap Auto Insurance Quotes in El Paso
State Farm and USAA also have affordable rates for full coverage auto insurance, at an average of $118 per month and $117 per month, respectively. Further, both companies have strong reputations for customer satisfaction.
Choosing a company with a good customer service reputation means you'll likely have an easier time later on when you file a claim.
Cheapest full coverage car insurance in El Paso
Company | Monthly rate | ||
|---|---|---|---|
| Texas Farm Bureau | $77 | |
| State Farm | $118 | |
| Geico | $151 | |
| Allstate | $183 | |
| Progressive | $184 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in El Paso: Texas Farm Bureau
Texas Farm Bureau has the cheapest minimum liability coverage in El Paso, at $27 per month, on average.
That's less than half the city average of $64 per month.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $27 |
| State Farm | $44 |
| Progressive | $50 |
| Geico | $62 |
| Allstate | $76 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in El Paso
Cheapest car insurance in El Paso for teen drivers: Texas Farm Bureau
Texas Farm Bureau has the cheapest car insurance for teen drivers in El Paso.
A full coverage policy costs $123 per month, on average. That's roughly a quarter of the citywide average, $528 per month.
Minimum liability coverage costs an average of $51 per month, which is also about one quarter of the El Paso average, $209 per month.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Texas Farm Bureau | $51 | $123 |
| State Farm | $149 | $328 |
| Geico | $153 | $331 |
| Allstate | $251 | $546 |
| Progressive | $252 | $895 |
*USAA is only available to current and former military members and their families.
The best way for teen drivers in El Paso to save on their auto insurance is by sharing coverage with their parents. You should also see if you qualify for common discounts for teen drivers, such as good student and student away from home.
Cheapest car insurance in El Paso after a speeding ticket: Texas Farm Bureau
Texas Farm Bureau has the cheapest car insurance for El Paso drivers with a speeding ticket, at an average of $77 per month.
That's just over a third of the city average, $207 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $77 |
| State Farm | $118 |
| Geico | $181 |
| Allstate | $183 |
| Progressive | $245 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance in El Paso after an accident: Texas Farm Bureau
Texas Farm Bureau has the cheapest car insurance in El Paso for drivers who've caused a car crash.
The company charges $118 per month, on average. That's about a third of the El Paso city average of $318 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $118 |
| State Farm | $136 |
| Allstate | $196 |
| Geico | $243 |
| Progressive | $291 |
*USAA is only available to current and former military members and their families.
After an accident, the cost of car insurance rises by an average of 85% in El Paso. Your car insurance rates won't increase until your next renewal, so it's a good idea to wait until then to shop around for coverage.
You can also save by taking advantage of car insurance discounts like bundling and letting your company track your driving to lower rates if you drive safely.
Cheapest car insurance for teens after a ticket: Texas Farm Bureau
Texas Farm Bureau has the cheapest rates for teen drivers in El Paso who've gotten a speeding ticket or caused an accident.
The company charges an average of $51 per month for teen drivers with a ticket. That's considerably cheaper than the
Teen drivers with an accident on their record pay an average of $73 per month for a Texas Farm Bureau policy. That's just under a quarter of the El Paso average, $311 per month.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Texas Farm Bureau | $51 | $73 |
| State Farm | $149 | $168 |
| Geico | $171 | $226 |
| Allstate | $251 | $255 |
| Progressive | $256 | $261 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for El Paso drivers with a DUI: State Farm
State Farm has the cheapest quotes for El Paso drivers with a DUI, at $124 per month, on average. That's about half the city average of $239 per month.
Cheapest El Paso car insurance after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $124 |
| Texas Farm Bureau | $142 |
| Progressive | $215 |
| Allstate | $232 |
| Geico | $271 |
*USAA is only available to current and former military members and their families. State Farm DUI rate data is unavailable for Texas.
Getting a DUI will raise the monthly cost of car insurance by an average of 39% in El Paso. You can limit your rate increase by comparing quotes when your policy renews.
Switching from the most expensive auto insurance company in El Paso (Farmers) to the cheapest (State Farm), would save you an average of $348 per month.
Average cost of car insurance in El Paso by neighborhood
In El Paso, the neighborhoods of Sun Ridge South and El Dorado West, as well as the towns of Homestead Meadows North, Homestead Meadows South and Butterfield have the highest average rates for car insurance, at $174 per month. Northwest El Paso has the most affordable coverage on average, at $161 per month.
Where you live influences the amount you pay for auto insurance. Neighborhoods that have more crime and worse traffic tend to have higher rates than safer neighborhoods with fewer cars on the road.
Full coverage quotes by El Paso ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 79901 | $164 | -2% |
| 79902 | $165 | -2% |
| 79903 | $165 | -1% |
| 79904 | $165 | -2% |
| 79905 | $166 | -1% |
Frequently asked questions
Who has the cheapest auto insurance in El Paso?
Texas Farm Bureau has the cheapest auto insurance in El Paso, at $77 per month, on average, for a full coverage policy. The company also has the most affordable liability only coverage, at an average of $27 per month.
What are the best auto insurance companies in El Paso, TX?
USAA and State Farm are the best auto insurance companies in El Paso, Texas. Both companies have a good reputation for customer satisfaction. However, you can only get coverage from USAA if you or an immediate family member are a current or former member of the military.
How much is car insurance in El Paso?
Car insurance in El Paso costs an average of $172 per month for a full coverage policy and $64 per month for liability only coverage. Auto insurance in El Paso is slightly cheaper than the Texas state average of $182 per month for full coverage and $67 per month for liability only coverage.
Methodology
To find the best cheap car insurance in El Paso, TX, ValuePenguin collected quotes from nine of the most popular insurance companies in Texas. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Texas.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Medical payments coverage: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
