Fred Loya offers the best rates for El Paso drivers seeking both minimum and full coverage car insurance. Full coverage from Fred Loya costs $786 per year on average, while minimum coverage costs $354.

Cheapest for minimum liability

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Best for customer service

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Cheapest auto insurance in El Paso: Fred Loya

The average cost of minimum coverage in El Paso is $70 per month. Given how affordable minimum coverage is, many drivers choose it over full coverage. Be aware, however, that full coverage pays for repairs to your own car. Minimum coverage does not.

Insurer		Annual Cost
	Fred Loya	$354
	USAA	$437*
	State Farm	$538
	Dairyland	$789
	Nationwide	$832

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*USAA is only available to current and former military members and their families.

Cheapest full coverage car insurance in El Paso: Fred Loya

However, Fred Loya's customer service reputation leaves much to be desired. If a painless claim experience is important to you, we'd recommend getting quotes from State Farm and Geico. Both of these companies have a better customer service reputation than Fred Loya and charge lower-than-average rates for premiums.

Full coverage includes liability coverage, which pays for any damages you might cause to another driver's person or property, as well as collision and comprehensive coverage.

Cheap car insurance for drivers with prior incidents

El Paso drivers with an accident, speeding ticket or DUI on their record usually pay higher rates than those with a clean record. A low credit score can also raise your rates. Insurance companies set rates based on the risk that drivers pose. Poor credit and incidents on your record are viewed as signs of increased risk.

ValuePenguin gathered thousands of quotes across El Paso and identified the cheapest insurers for drivers who have:

Cheapest car insurance in El Paso after an accident: Fred Loya

At-fault accidents raise the cost of insurance by 57% — more than a speeding ticket (7%) but less than a DUI (70%).

Cheapest car insurance for people with a speeding ticket: Fred Loya

If you're an El Paso driver caught speeding on the roads, your rates will likely go up. We found that insurance quotes are $187 more expensive for full coverage after a speeding ticket.

Cheapest car insurance for drivers with a DUI: Fred Loya

A citation for driving under the influence is the most expensive of the incidents in our study. Average rates for full coverage in El Paso increase by $1,804 after a DUI.

With the exception of USAA, all the other insurers in our study raise rates by more than $1,000 after a DUI.

Cheapest car insurance for drivers with poor credit: Fred Loya

Insurers often factor your credit score into your rates. El Paso drivers with very good credit pay just $1,646 per year, whereas drivers with average credit pay $2,142 per year and drivers with poor credit pay $3,242.

Cheapest car insurance for married drivers: Fred Loya

Cheapest car insurance for young drivers: Fred Loya

Rates for young drivers in El Paso are 159% more expensive than they are for adult drivers.

Always be sure to get multiple quotes when shopping for insurance, and always be sure to ask for discounts. MetLife charged our sample 18-year-old driver $16,132 per year for full coverage. That's more than four times as expensive as Fred Loya, the cheapest insurer in our study — a difference of $12,924.

Another strategy is to stay on your parents' car insurance if at all possible. ValuePenguin found that it's half as expensive to add a teen to a policy than it is for them to take out their own.

Best auto insurance companies in El Paso, Texas

ValuePenguin surveyed customers of major national auto insurers, asking how satisfied they were with their most recent claim experience. Of the nine insurers in our Texas study, USAA, Nationwide and State Farm had the highest percentage of customers saying they were "extremely satisfied" with their most recent claim.

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For more details about how the insurers in our study compare to each other, take a look at our Texas car insurance report.

Average car insurance cost in El Paso, by ZIP code

We reviewed auto insurance quotes in ZIP codes across El Paso and found that residents of ZIP code 79932 pay the least for full coverage auto insurance, at $2,515 per year on average. Residents of ZIP code 79906 pay the most, at $2,669 per year on average.

Rates vary by ZIP code because insurers factor in local patterns like crime rates and traffic when setting premiums.

Auto theft statistics in El Paso

ValuePenguin analyzed 2019 FBI crime data and found that El Paso had the 10th-highest rate of auto insurance theft. Approximately 1.2 cars were stolen for every 1,000 El Paso residents.

Methodology

This ValuePenguin study used rate data from nine of the largest insurers in Texas. Rates reflect full coverage policies unless otherwise noted. Our sample driver is 30 years old, drives a 2015 Honda Civic EX and has an average credit score. We gave him the following coverages:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings. They are intended for comparative purposes only, since your own quotes may be different.