Who Has The Cheapest Auto Insurance Quotes in El Paso, TX?
Car insurance in El Paso is slightly cheaper than the average town in Texas, but there are still companies that can offer car insurance for way cheaper in the Sun City. We analyzed 11 companies from El Paso to see which offered the most affordable auto insurance rates.
Cheapest Car Insurance Companies in El Paso, Texas
Who has the cheapest car insurance in El Paso? We found Texas Farm Bureau had the most affordable rates, with an average of $1,248 per year for full coverage. Rates at the Texas Farm Bureau were nearly half as expensive as the city average of $2,239 per year. Other cheap auto insurers were GEICO and Progressive.
Find the Cheapest Auto Insurance Quotes in Your Area
All the values above are for a 30 year old male driver who has a clean driving record and is single. The rates you are quoted will differ based on your age, marital status, type of car you drive, and several other factors. The best way to determine who will give you the cheapest car insurance is by comparison shopping. To start looking at car insurance quotes, put your zip code in one of the two boxes up top.
| Rank | Auto Insurance Company | Average Annual Rate |
|---|---|---|
| 1 | Texas Farm Bureau | $1,248 |
| 2 | GEICO | $1,261 |
| 3 | Progressive | $1,288 |
| 4 | State Farm | $1,524 |
| 5 | Mercury | $1,632 |
| 6 | Unitrin | $1,848 |
| 7 | Encompass | $2,124 |
| 8 | 21st Century | $2,232 |
| 9 | Met Life | $2,748 |
| 10 | Dairyland | $3,180 |
| 11 | Kemper Security | $5,544 |
Cost of Car Insurance in El Paso: by Neighborhood
We found rates within El Paso can fluctuate by around $75. Some neighborhoods may be more prone to accidents and thefts making them more expensive than others. Below you can see auto insurance rates for a small sample of six El Paso neighborhoods which we surveyed.
| Neighborhood | Average Annual Car Insurance Rate |
|---|---|
| El Segundo Barrio & Chihuahuita | $1,272 |
| Austin Terrace | $1,316 |
| Thunderbird | $1,316 |
| Stonehaven | $1,324 |
| Kern Hills & Sunset Heights | $1,328 |
| Northeast El Paso | $1,348 |
Northeast El Paso was the most expensive of the neighborhoods we explored, being $76 more expensive than the neighborhoods of El Segundo Barrio and Chihuahuita--the historic Hispanic centers of El Paso. Even if you live in a more expensive neighborhood, you can still find a great deal by comparing car insurance quotes.
Best Auto Insurance Companies in El Paso
Where can you get the best car insurance in El Paso? The Texas Farm Bureau is considered the best in Texas according to the 2016 J.D. Power study of Texas auto insurance companies. Texas Farm Bureau scored the best for their smoothness in which they process claims. The extra benefit of Texas Farm Bureau is that it is also the cheapest car insurance in El Paso, as it is in most of Texas. The main draw back of the Texas Farm Bureau is that to you need to become a member, which requires an annual fee of usually around $40. Luckily, there are other several great car insurance companies El Pasoans can utilize.
| Auto Insurance Company | Best For... |
|---|---|
| Texas Farm Bureau | Claims Handling |
|
GEICO | Speed and Convenience |
|
USAA | Military Members |
GEICO is the fastest and likely easiest option for El Pasoans. You can begin and purchase your quote within 20 minutes and have a rate not much more expensive than one you would get at Texas Farm Bureau. GEICO's primary issue is their claim's handling and customer service. According to the same J.D. Power survey for customer service, GEICO scored only middle of the pack in those regards. The online company also tends to raise rates more than other competitors when you have an accident on your record.
If you can qualify for USAA then it is likely the best company for you. USAA is well rated by the J.D. Power survey, only being bested by the Texas Farm Bureau. USAA offers a 15% discount for cars parked on military bases like Fort Bliss located within El Paso. USAA also offers cheap rates which may end up being cheaper than Texas Farm Bureau and GEICO. We found you may be able to get liability insurance for around $355 per year, and around $700 to $800 per year for full coverage which includes collision and comprehensive insurance.
Auto Insurance Agents in El Paso
Many insurance companies like GEICO and Progressive let customers get quotes as well as purchase them online, however, the majority still rather their customers buy policies from agents. That means speaking to one on the phone or going in person. Below we list several agents and agencies located in El Paso.
| Agent/Agency | Address |
|---|---|
| Farpon Auto Insurance | 1441 N Zaragoza Rd #3, El Paso, TX 79936, United States |
| Pan American Insurance | 4675 Montana Ave, El Paso, TX 79903, United States |
| El Paso Low Cost Auto Insurance | 2035 Trawood Dr B, El Paso, TX 79935, United States |
| GEICO Insurance Agent | 6600 Montana Ave j, El Paso, TX 79925, United States |
| Texas Auto Insurance Agency | 1491 Lee Trevino Dr # G, El Paso, TX 79936, United States |
| El Paso Low Cost Auto Insurance | 1030 N Zaragoza Rd, El Paso, TX 79907, United States |
| El Paso Low Cost Auto Insurance | 3610 Montana Ave # F, El Paso, TX 79903, United States |
| El Paso Low Cost Auto Insurance | 10025 Dyer Street, El Paso, TX 79924, United States |
| Pan American Insurance | 8201 Dyer St, El Paso, TX 79904, United States |
| Pan American Insurance | 425 E Paisano Dr, El Paso, TX 79901, United States |
| Pan American Insurance | 7399 Alameda Ave, El Paso, TX 79915, United States |
| Discount Auto Insurance | 3615 Montana Ave, El Paso, TX 79903, United States |
| Pronto Insurance | 500 N Zaragoza Rd, El Paso, TX 79907, United States |
| Nationwide Insurance: Victor F Nevarez Agency | 9201 Dyer St h, El Paso, TX 79924, United States |
| Allstate Insurance: Zulema Valles | 4301 Montana Ave b, El Paso, TX 79903, United States |
| Sanborn's Mexico Auto Insurance | 3123 E Paisano Dr, El Paso, TX 79905, United States |
| Nationwide Insurance: Victor F Nevarez Agency | 7924 Gateway Blvd E #150c, El Paso, TX 79915, United States |
| Liberty Mutual - El Paso, TX - East | 1355 George Dieter Dr Ste 108, El Paso, TX 79936, United States |
| Allstate Insurance: Art Gonzalez | 5255 Woodrow Bean Transmountain Dr #3, El Paso, TX 79924, United States |
| Allstate Insurance: Oscar Arrieta | 1701 Lee Trevino Dr b, El Paso, TX 79936, United States |
Mexican Car Insurance in El Paso
El Paso shares a border with Mexico, but car insurance in the United States is not valid in Mexico. If you find yourself crossing the border often, you will need to take out a separate Mexican car insurance policy. GEICO and Progressive allow you to buy a policy through their website, but the insurance is provided by third-party companies. Generally you can find a full-year policy for around $400 to $450, with half-year policies costing $330 to $370. They will be cheaper if you only opt for the liability portion of the auto insurance.
Fatal Accidents in El Paso
Between 2011 and 2015, there were 250 fatal car accidents that happened within El Paso. I-10 saw by far the most fatal accidents in that five year span. The major interstate which cuts through the heart of the city saw 41 of the 250 fatal accidents.
Most Dangerous Roads in El Paso
Certain roads as we mention above tend to have more accidents. The following is a list of the five roads with the most accidents between 2011 and 2015.
| Rank | Highway | Number of Fatal Accidents (2011 - 2015) | Percent That Involve Drunk Driver |
|---|---|---|---|
| 1 | I-10 | 41 | 31.7% |
| 2 | SR-20 | 11 | 36.4% |
| 3 | US-62 | 9 | 44.4% |
| 4 | US-54 | 7 | 28.6% |
| 5 | SL 375 | 6 | 16.7% |
In total, 32% of all fatal accidents in El Paso between 2011 and 2015 involved a drunk driver, which was about the same as Dallas, and a bit lower than Houston where 38.6% of fatal accidents had a drunk driver. US-62 had a particular prevalence of fatal accidents involving drunk drivers compared to other highways in the city.
Minimum Car Insurance Requirements in El Paso, TX: The 30/60/25 Law
The 30/60/25 Law in Texas requires all drivers to carry that amount of auto insurance for bodily injury liability and property damage liability coverage. Below you can see the full breakdown:
- $30,000 of Bodily Injury Liability per Person
- $60,000 of Bodily Injury Liability per Accident
- $25,000 of Property Damage Liability
Drivers should consider higher, and optional coverages such as collision and comprehensive insurance. Texas lets drivers purchase Personal Injury Protection as well. We would only recommend the policy however if your health insurance does not cover injuries sustained from a car accident.
How We Compared Quotes
We collected quotes from different insurance companies across 78 towns and cities in Texas including El Paso. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Texas. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
| Coverage Type | Texas Minimum | Study Limits |
|---|---|---|
| Bodily Liability | $30,000 per person / $60,000 per accident | $50,000 per person/ $100,000 per accident |
| Property Damage | $25,000 per accident | $50,000 per accident |
| Uninsured/Underinsured Motorist BI | $50,000 per person/ $100,000 per accident | |
| Uninsured/Underinsured Motorist Property |
|
$50,000 per accident |
| Comprehensive & Collision | $500 Deductible |
Sources:
Fatal car accident and DUI data: FARS 2011 to 2015.