Who Has The Cheapest Auto Insurance Quotes in El Paso, TX?
Who Has The Cheapest Auto Insurance Quotes in El Paso, TX?
Compare Car Insurance Rates in El Paso
The average cost of minimum coverage in Texas is $926 annually, but El Paso drivers pay just $834 per year on average, despite living in one of the larger cities in Texas.
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 auto insurance in El Paso: Fred Loya
Minimum coverage car insurance from Fred Loya Insurance costs just $30 per month, so El Paso drivers should start their search there. It's worth getting quotes from State Farm as well; minimum coverage costs just $15 more a month, and the company has a strong customer service reputation.
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.
Compare Car Insurance Rates in El Paso, Texas
Insurer | Annual Cost | |
|---|---|---|
| Fred Loya | $354 |
| USAA | $437* |
| State Farm | $538 |
| Dairyland | $789 |
| Nationwide | $832 |
*USAA is only available to current and former military members and their families.
Cheapest full coverage car insurance in El Paso: Fred Loya
Fred Loya Insurance also has the cheapest rates for full coverage insurance. The El Paso city average is $2,591, but Fred Loya's average quote is $1,805 cheaper, at just $786 per year.
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.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $786 |
| 2 | State Farm | $1,311 |
| 3 | Geico | $2,034 |
| 4 | Nationwide | $2,379 |
| 5 | Chubb | $2,497 |
| 6 | Dairyland | $3,429 |
| 7 | Allstate | $4,552 |
| 8 | MetLife | $4,972 |
| N/A* | USAA | $1,354 |
*USAA is only available to current and former military members and their families.
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.
- Comprehensive coverage: Pays for damage that results from "acts of God," such as fires, animal damage and vandalism.
- Collision coverage: Collision coverage pays for repairs to your own car after you collide with another car or a stationary object.
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
Fred Loya Insurance has the cheapest rates for El Paso drivers after an at-fault accident, raising rates from $786 to $971 for full coverage. That's 76% cheaper than the average cost of insurance after an accident in El Paso, which is $4,060 per year.
At-fault accidents raise the cost of insurance by 57% — more than a speeding ticket (7%) but less than a DUI (70%).
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $971 |
| 2 | State Farm | $1,527 |
| 3 | Geico | $3,134 |
| 4 | Nationwide | $3,679 |
| 5 | Chubb | $4,260 |
| 6 | Dairyland | $4,477 |
| 7 | Allstate | $7,052 |
| 8 | MetLife | $9,429 |
| N/A* | USAA | $2,016 |
*USAA is only available to current and former military members and their families.
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.
However, Fred Loya Insurance and State Farm stand out because they did not raise rates after a first speeding ticket for our sample driver. Conveniently, Fred Loya and State Farm are also the most affordable insurers for drivers after a speeding ticket. Fred Loya's rates are 72% cheaper than average, and State Farm's rates are 53% cheaper than average.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $786 |
| 2 | State Farm | $1,311 |
| 3 | Geico | $2,456 |
| 4 | Chubb | $2,497 |
| 5 | Nationwide | $2,869 |
| 6 | Dairyland | $4,028 |
| 7 | Allstate | $4,552 |
| 8 | MetLife | $4,972 |
| N/A* | USAA | $1,529 |
*USAA is only available to current and former military members and their families.
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.
Fred Loya Insurance and State Farm are the two most affordable insurers for drivers with a DUI on their record. Fred Loya only raises rates by $461, from $786 to $1,247, and State Farm only raises rates by $641, from $1,311 to $1,952.
With the exception of USAA, all the other insurers in our study raise rates by more than $1,000 after a DUI.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $1,247 |
| 2 | State Farm | $1,952 |
| 3 | Dairyland | $3,443 |
| 4 | Geico | $3,544 |
| 5 | Nationwide | $4,699 |
| 6 | Chubb | $5,405 |
| 7 | Allstate | $6,984 |
| 8 | MetLife | $10,258 |
| N/A* | USAA | $2,028 |
*USAA is only available to current and former military members and their families.
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.
Fred Loya Insurance is the exception to this general rule. We found that the company charges the same rate regardless of your credit score: $786 per year for full coverage. If you've recently had a dip in your credit score and are looking for affordable full coverage, get a quote from Fred Loya.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $786 |
| 2 | State Farm | $2,024 |
| 3 | Nationwide | $2,701 |
| 4 | Geico | $2,863 |
| 5 | Chubb | $3,257 |
| 6 | Dairyland | $3,914 |
| 7 | Allstate | $4,176 |
| 8 | MetLife | $7,383 |
| N/A* | USAA | $2,077 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: Fred Loya
If you're a married driver in El Paso, we recommend that you get quotes from Fred Loya Insurance, State Farm and Geico. Together, these companies charge 42% less than the city average for married couples, which is $2,369 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $690 |
| 2 | State Farm | $1,311 |
| 3 | Geico | $2,151 |
| 4 | Nationwide | $2,202 |
| 5 | Chubb | $2,497 |
| 6 | Dairyland | $3,206 |
| 7 | Allstate | $4,009 |
| 8 | MetLife | $4,092 |
| N/A* | USAA | $1,163 |
*USAA is only available to current and former military members and their families.
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.
Young drivers should get quotes from Fred Loya Insurance, State Farm and Geico. These companies have the best rates for teenage car insurance, charging 52%, 43% and 36% less than the city average, which is $6,721.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Fred Loya | $3,208 |
| 2 | State Farm | $3,843 |
| 3 | Geico | $4,287 |
| 4 | Chubb | $6,223 |
| 5 | Dairyland | $7,521 |
| 6 | Allstate | $8,396 |
| 7 | Nationwide | $8,482 |
| 8 | MetLife | $16,132 |
| N/A* | USAA | $2,400 |
*USAA is only available to current and former military members and their families.
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.
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.
ZIP code | Full coverage average cost | Minimum coverage average cost |
|---|---|---|
| 79901 | $2,583 | $827 |
| 79902 | $2,626 | $842 |
| 79903 | $2,568 | $843 |
| 79904 | $2,541 | $827 |
| 79905 | $2,606 | $835 |
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.
Rank | City | Population | Car thefts | Thefts per 1,000 |
|---|---|---|---|---|
| 1 | Dallas | 1,363,295 | 10,257 | 7.5 |
| 2 | Houston | 2,355,606 | 13,098 | 5.6 |
| 3 | San Antonio | 1,559,166 | 7,781 | 5.0 |
| 4 | Lubbock | 259,208 | 1,225 | 4.7 |
| 5 | Fort Worth | 915,237 | 3,335 | 3.6 |
Motor vehicle theft data was pulled from the FBI 2019 Texas crime report.
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:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| 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 were publicly sourced from insurer filings. They are intended for comparative purposes only, since your own quotes may be different.
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.