Cheapest Car Insurance Quotes in El Paso, Texas (2023)
Cheapest Car Insurance Quotes in El Paso, Texas (2023)
Farm Bureau has the best cheap car insurance in El Paso, at $27 per month for minimum liability insurance.
Compare Car Insurance Rates in El Paso, Texas
Best cheap car insurance in El Paso, TX
To help you find the best cheap car insurance in El Paso, TX, ValuePenguin compared thousands of auto insurance quotes from top companies in Texas. We ranked companies based on factors like affordability, customer service reputation and coverage options.
Minimum liability quotes meet the Texas state requirements of $30,000 in bodily injury liability per person and $60,000 per accident plus $25,000 in property damage coverage. Full coverage quotes include higher liability limits plus collision and comprehensive coverage.
Cheapest auto insurance in El Paso, TX: Farm Bureau
Farm Bureau has the cheapest minimum coverage car insurance quotes in El Paso.
At $27 per month, a minimum liability policy from Farm Bureau is 42% less expensive than the citywide average.
The average cost of minimum coverage in El Paso is $47 per month. El Paso drivers pay 2% less for car insurance than the state average, despite living in one of the larger cities in Texas.
Compare Car Insurance Rates in El Paso, Texas
El Paso drivers should also compare quotes from State Farm. Minimum coverage from State Farm costs just $3 more a month than coverage from Farm Bureau, and the company has a strong customer service reputation.
Cheap minimum liability car insurance in El Paso
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $27 |
| State Farm | $30 |
| Geico | $47 |
| Allstate | $67 |
| Progressive | $73 |
| USAA* | $35 |
*USAA is only available to current and former military members and their families.
Given how affordable minimum coverage is, many drivers choose it over full coverage. A full coverage policy costs $86 more per month than minimum coverage in El Paso.
However, minimum coverage doesn't offer any protection against damage to your own car if you're at fault in an accident. A full coverage policy includes comprehensive and collision coverage, which help pay for repairs, regardless of who caused the damage.
We recommend full coverage car insurance for people who own a car that's newer than 10 years old or worth more than $5,000.
Cheapest full coverage quotes in El Paso: State Farm
State Farm has the cheapest rates in El Paso for full coverage insurance: $76 per month. That's 43% cheaper than the El Paso city average, which is $133 per month.
Company | Monthly rate |
|---|---|
| State Farm | $76 |
| Farm Bureau | $77 |
| Geico | $106 |
| Progressive | $195 |
| Allstate | $237 |
| USAA* | $109 |
*USAA is only available to current and former military members and their families.
Full coverage includes liability coverage, which helps pay for damage to another driver's property or any injuries you may cause, as well as collision and comprehensive coverage.
- Comprehensive coverage pays for damage to your car that's outside of your control, like damage from fires, vandalism or hitting an animal.
- Collision coverage pays for repairs to your own car after you hit another car or a stationary object, regardless of whose fault it is.
Cheap car insurance for drivers with prior incidents
State Farm has the cheapest car insurance quotes for drivers in El Paso with a traffic ticket or accident on their record.
Drivers with a poor credit score can find the best rates at Farm Bureau.
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. This is because drivers with poor credit or incidents on their record are seen as more likely to make a claim or cause an accident in the future, making them more expensive to insure.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the most affordable quotes in El Paso for drivers after a speeding ticket. At $76 per month for full coverage insurance, State Farm's rate is 48% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $76 |
| Farm Bureau | $77 |
| Geico | $126 |
| Allstate | $237 |
| Progressive | $238 |
If you're an El Paso driver caught speeding on the roads, your rates will likely go up. Insurance quotes are 10% more expensive for full coverage after a single speeding ticket in El Paso.
Cheapest car insurance in El Paso after an accident: State Farm
State Farm has the cheapest rates for El Paso drivers after an at-fault accident, at $90 per month for full coverage. That's 55% cheaper than the average cost of insurance after an accident in El Paso, which is $199 per month.
Company | Monthly rate |
|---|---|
| State Farm | $90 |
| Farm Bureau | $118 |
| Geico | $167 |
| Progressive | $293 |
| Allstate | $362 |
At-fault accidents raise the cost of full coverage insurance in El Paso by 49% on average.
However, not all insurance companies raise rates by the same amount after an accident. The cheapest company, State Farm, only increases rates by 18% after a single accident. On the other hand, full coverage insurance from Geico costs 58% more after an at-fault accident.
Cheapest car insurance after a DUI: State Farm
State Farm is the most affordable insurance company for drivers with a DUI on their record. A full coverage policy from State Farm costs $121 per month, which is 39% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $121 |
| Farm Bureau | $142 |
| Geico | $185 |
| Progressive | $221 |
| Allstate | $360 |
The average cost of full coverage insurance after a single DUI is $199 per month in El Paso — an increase of 49%. In addition, people caught driving under the influence may have to have an SR-22 filing in Texas, which could make their insurance rates even more expensive.
Cheapest for drivers with poor credit in El Paso, TX: Farm Bureau
Farm Bureau has the cheapest full coverage car insurance in El Paso for drivers with poor credit, at $174 per month. That's 39% less expensive than the city average, and $111 less per month than the second-cheapest option, Geico.
Company | Monthly rate |
|---|---|
| Farm Bureau | $174 |
| Geico | $285 |
| Allstate | $337 |
| Progressive | $339 |
| State Farm | $393 |
El Paso drivers with poor credit pay $286 per month on average for full coverage, which is twice as much as those with a good credit score.
Insurance companies in Texas often factor your credit score into your rates. That's because drivers with a bad credit score are more likely to file a claim in the future.
Cheap quotes for teen drivers in El Paso: Farm Bureau
Farm Bureau has the most affordable car insurance quotes for teen drivers in El Paso.
Minimum liability car insurance from Farm Bureau costs $51 per month for an 18-year-old driver, which is 69% cheaper than average. It also has the best rates for full coverage, at $123 per month — 73% cheaper than the El Paso average.
Monthly car insurance quotes for teen drivers in El Paso
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $51 | $123 |
| State Farm | $103 | $219 |
| Geico | $107 | $226 |
| Progressive | $325 | $984 |
| Allstate | $343 | $953 |
Rates for an 18-year-old driver in El Paso are more than three times as expensive as they are for a 30-year-old driver.
To get the cheapest car insurance rates, young drivers should compare multiple quotes when shopping for insurance, and always ask for discounts.
Teens should also strongly consider staying on their parents' car insurance, if possible. That is usually much cheaper than having separate policies.
Cheapest car insurance for teens with tickets or accidents: Farm Bureau
Farm Bureau has the best cheap rates for El Paso teens with incidents on their driving records.
A minimum coverage policy from Farm Bureau costs $51 per month for an 18-year-old driver with a single speeding ticket — 70% cheaper than average. Teens with an at-fault accident pay around $73 per month for minimum coverage from Farm Bureau, which is 69% cheaper than average.
Monthly minimum coverage rates for young drivers in El Paso, TX
Company | Speeding | Accident |
|---|---|---|
| Farm Bureau | $51 | $73 |
| State Farm | $103 | $119 |
| Geico | $118 | $154 |
| Progressive | $323 | $350 |
| Allstate | $343 | $619 |
Young drivers with a single speeding ticket only see an increase of about 2% in their car insurance rates. However, teens with an at-fault accident on their record can expect rates to go up by 39%, on average.
Cheapest car insurance for married drivers: Farm Bureau
Farm Bureau has the cheapest quotes for married drivers in El Paso. At $59 per month for one car, a full coverage policy from Farm Bureau is only half as expensive as the citywide average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $59 |
| State Farm | $76 |
| Geico | $120 |
| Progressive | $183 |
| Allstate | $202 |
On average, married drivers in El Paso pay 8% less for car insurance than unmarried drivers. This is because they're statistically less likely to cause a car accident, making them cheaper to insure.
Best car insurance companies in El Paso, Texas
USAA has the best-rated auto insurance in El Paso — drivers are generally happy with the service they get, and it usually has affordable rates.
Unfortunately, only military members, veterans and their family members can get auto insurance from USAA.
El Paso drivers who aren't eligible for USAA insurance should consider Farm Bureau and State Farm. Both companies earned high ratings because of their reputation for great service, cheap quotes and coverage availability.
Best insurance companies El Paso, TX
Company |
Editor's rating
|
|---|---|
| USAA | |
| Farm Bureau | |
| State Farm | |
| Geico | |
| Allstate | |
| Progressive |
It's important for drivers in El Paso to consider customer service scores when shopping for car insurance.
Companies with great service can make your life a lot easier if you're in an accident, with a quick and easy claims process that will get you back on the road fast. However, a company with poor customer service may take much longer to pay your claim, and you could end up spending more money on repairs.
Average car insurance cost in El Paso, by ZIP code
Residents of the ZIP code 79932, near Santa Teresa, pay the least for full coverage auto insurance, while those near the airport in 79910 have the highest rates.
Rates vary by ZIP code because insurance companies change rates based on local factors like population density, crime rates and traffic when determining insurance costs. There's a $34 per month difference in the cost of insurance between the most and least expensive ZIP codes in El Paso.
Average cost of full coverage insurance by ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 79901 | $132 | -1% |
| 79902 | $132 | -1% |
| 79903 | $132 | -1% |
| 79904 | $128 | -3% |
| 79905 | $133 | 0% |
Frequently asked questions
What is the cheapest car insurance company in El Paso, TX?
Farm Bureau has the cheapest minimum liability insurance in El Paso, at $27 per month. Drivers who need full coverage insurance can find the most affordable rates at State Farm, where a policy costs $76 per month.
How much does auto insurance cost in El Paso, TX?
The average cost of minimum coverage insurance in El Paso is $47 per month, while full coverage car insurance costs $133 per month. That's 2% less than average across the state of Texas.
How much is Geico insurance in El Paso?
Minimum coverage car insurance from Geico costs $47 per month, which is the average rate for El Paso drivers. A full coverage policy from Geico costs $106 per month, which is 20% cheaper than average.
Methodology
To find the best cheap car insurance in El Paso, ValuePenguin collected quotes from six of the largest insurers in Texas. Rates are for a 30-year-old single man that drives a 2015 Honda Civic EX and has a good credit score.
Full coverage quotes include comprehensive and collision coverage, along with higher limits than the Texas state minimums.
- Bodily injury liability: $50,000 per person and $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 and $100,000 per accident
- Comprehensive and collision deductible: $500
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.