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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
If you’re driving in El Paso, you’re looking at an average of $156 per month for car insurance. But when comparing auto insurance, you’ll likely notice that some insurers offer much lower rates. State Farm, for instance, has the cheapest average monthly premiums, at just $44.
This guide explores cheap car insurance in El Paso and how to compare insurers to find the best deal.
State Farm offers El Paso’s lowest rates, with liability-only policies averaging $34 per month.
Fort Bliss personnel and their families can save up to 60% with USAA during deployment and 15% for living on base.
With 20% of Texas drivers lacking insurance, El Paso drivers should consider adding uninsured motorist coverage for extra protection.
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Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| El Paso | $96 | $216 | $156 |
| Texas | $122 | $245 | $184 |
| National average | $92 | $176 | $135 |
El Paso drivers shell out an average of $156 per month for car insurance, based on our research. For context, the state average in Texas sits at $184 per month, while the national average is $135 per month.
But keep in mind these figures only scratch the surface — your actual premium may be higher or lower depending on your driving profile, vehicle, and coverage choices.
Next, we’ll compare the most affordable options from the best car insurance companies in El Paso.
Don’t let El Paso’s average rates discourage you. Plenty of insurers offer car insurance policies priced well below the citywide average. Our research uncovered several wallet-friendly options for drivers in the Sun City.
Check out this list of the five most affordable car insurance companies, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $44 |
| GEICO | $48 |
| Allstate | $63 |
| USAA | $79 |
| Clearcover | $101 |
State Farm is the cheapest company in El Paso, with an average monthly cost of $44. But your perfect match depends on your situation. Before jumping into your insurance shopping journey, keep reading for a breakdown of the best options for different drivers.
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El Paso’s car insurance companies are as diverse as its drivers. That’s why you can’t rely on a single, catch-all insurance option. Some companies are good at offering rock-bottom rates, while others excel at premium coverage or customer service.
We’ve combed through average prices, discounts, customer feedback, and coverage options to highlight three standout companies for different driver needs.
Average premium: $79 per month
Compare.com Rating: 4.9 out of 5
Flexible deployment policies
Many military-specific discounts
Highly rated customer service
Only serves the military community
Limited number of physical locations
Fewer coverage options than competitors
USAA caters perfectly to the nearly 70,000 military personnel and family members in the El Paso area. With this service-focused insurer, you’ll find military discounts that offer up to 60% savings during deployment, 15% for on-base residents, and additional discounts for low mileage.
Plus, USAA policies are available nationwide, so you can keep your coverage if you relocate to another base.
Average premium: $48 per month
Compare.com Rating: 4.7 out of 5
Forgives your first accident
Rental car reimbursement available
Stacks discounts to maximize savings
Gap coverage not available
Potentially pricey for drivers with tickets or accidents
Limited network of local agents
If you have a daily commute, GEICO has your back. El Paso drivers average 24 minutes of drive time to get to work, according to the U.S. Census Bureau. GEICO’s roadside assistance and mechanical breakdown coverage jump into action if you have car trouble. Plus, the DriveEasy program turns your safe driving habits into real savings.
Average premium: $44 per month
Compare.com Rating: 4.9 out of 5
Cheap rates for drivers with spotty record
Strong local agent network
Roadside service available
Mixed customer ratings
Gap coverage not available
Teens may pay higher rates
State Farm believes in second chances for El Paso drivers. The company’s Drive Safe & Save program rewards improving driving habits, while defensive driving courses unlock immediate savings. You can also opt for rideshare coverage and get generous car rental reimbursement through the insurer. And with local agents who understand your situation, State Farm makes bouncing back easier.
Compare personalized quotes and get the policy that best fits your needs.
Your choice of coverage directly shapes your premium costs. Basic liability insurance — which covers injuries and damage you cause to other drivers and their property — is the most affordable way to meet Texas’s minimum car insurance requirements.
To see which El Paso insurers offer the most competitive liability-only insurance rates, take a look at our findings in the table below.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $34 |
| GEICO | $37 |
| Hugo | $46 |
| Allstate | $48 |
| USAA | $61 |
State Farm comes out on top as the cheapest El Paso insurer for state-minimum coverage, with costs averaging just $34 per month. But if you own a newer car or still make payments, you might want more protection. Let’s discuss your full-coverage options next.
Full coverage is the best choice if you’re looking for total protection for your vehicle. It includes liability protection but tacks on collision and comprehensive insurance, too. This way, your car insurance policy covers everything from fender benders to storm damage. A full-coverage policy will cost more than basic liability, but imagine paying for repairs or replacement costs without it.
We found the following companies have the cheapest full-coverage car insurance in El Paso, on average.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $54 |
| GEICO | $59 |
| Allstate | $77 |
| USAA | $98 |
| Clearcover | $115 |
State Farm offers full coverage for a monthly premium of only $54. Your quotes can vary by more than coverage level, though — how old you are is also one of the big factors in car insurance.
With that in mind, let’s break things down by two major factors — age and driving record.
Your age tells insurance companies a lot about your likely driving habits and risk level. For example, drivers younger than 20 face triple the risk of a deadly crash compared to older drivers, according to the Insurance Institute for Highway Safety (IIHS).
If you want to know what other El Paso drivers in your age group pay, take a peek at the rates our analysis uncovered in the table below.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $267 | GEICO | $93 |
| 20s | $195 | State Farm | $68 |
| 30s | $146 | State Farm | $52 |
| 40s | $132 | State Farm | $49 |
| 50s | $117 | State Farm | $44 |
| 60s | $111 | State Farm | $39 |
| 70s | $119 | State Farm | $39 |
Young drivers have the steepest insurance rates of any age group because they don’t have much experience behind the wheel. After all, car crashes are the leading cause of death for teens in the U.S., according to the Centers for Disease Control and Prevention (CDC). Because of this, insurance companies charge these high-risk drivers more.
We found that El Paso teens pay an average of $267 per month for coverage, but GEICO offers quotes of around $93 per month.
Older drivers in El Paso enjoy some of the lowest rates thanks to their careful driving habits and years of experience behind the wheel. Most seniors stick to daytime driving and log fewer miles, according to IIHS, which helps drive rates down even more.
We found that the average cost of car insurance for El Paso drivers in their 60s is $111 per month. State Farm offers the best monthly rates for this age group, at just $39.
Compare quotes from El Paso’s cheapest insurers.
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The way you drive directly affects what you’ll pay for insurance because insurance companies use your driving history to predict future risks. Generally, a clean driving record means lower quotes, and incidents like speeding and accidents drive rates up.
If you’re curious how much those traffic mishaps might cost you in El Paso, check out the data in the table below.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $156 | State Farm | $55 |
| Speeding ticket | $218 | State Farm | $68 |
| At-fault accident | $231 | State Farm | $75 |
| DUI | $263 | State Farm | $89 |
A speeding ticket stings twice — first with the fine and then with higher car insurance rates. Nationwide, we found that drivers deal with average premium jumps of 27% after just one ticket.
In El Paso, drivers with a ticket on their record pay around $218 monthly for coverage, according to our data. State Farm is the cheapest option for car insurance after a ticket, charging $68 per month.
A fender bender affects more than your car — it also drives up your insurance bill. Across the country, our findings indicate accidents trigger a 34% rate increase.
El Paso drivers can expect monthly quotes close to $231 if they have a recent at-fault accident. That said, State Farm keeps premiums more manageable, at $75 per month, helping you bounce back from that mishap.
A DUI comes with severe consequences for your insurance costs. In the U.S., our numbers reveal that drivers see rates skyrocket by 50% after a DUI conviction.
Drivers with a DUI in El Paso have an average monthly car insurance bill of $263, but that doesn’t mean you’re stuck paying sky-high premiums. State Farm has the most affordable average quotes, at $89 per month, if you have a DUI on your record.
Texas law requires you to have an auto insurance policy that meets the state-minimum car insurance requirements of 30/60/25. This means you need at least:
$30,000 in bodily injury coverage per person
$60,000 in bodily injury coverage per accident
$25,000 in property damage coverage
You may also want to consider uninsured/underinsured motorist coverage. This add-on protects you if you get in an accident with a driver with no insurance or too little coverage. It’s a smart option since 20% of Texas drivers don’t have an auto policy, according to the Texas Department of Motor Vehicles (DMV).
You can learn more about optional coverages in the Texas insurance guide.
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You have more control over your car insurance costs than you might think. Consider these proven strategies when shopping for coverage:
Bundle your policies. Most insurers offer discounts when you combine policies like auto insurance with home, renters, or life insurance.
Adjust your deductible. Opting for a higher deductible — like $1,000 instead of $500 — lowers your monthly premium since you take on more risk when you file a claim. Just make sure you can cover that amount out of pocket if needed.
Improve your credit. Texas insurers can look at your credit history when setting rates. Pay bills on time and keep your credit card balances low to improve your score and earn better rates in the future.
Tell your insurer about life changes. Working from home? Retired? Moved closer to work? Fewer miles driven often means less money on premiums.
Shop around often. Different companies price risks differently, so comparing quotes helps you find the best deal for your situation. We recommend doing so every six months.
Compare rates from El Paso’s cheapest car insurance companies.
If you still have questions about auto insurance in El Paso, check out these answers to commonly asked questions.
State Farm offers the cheapest car insurance rates in El Paso, averaging $44 per month, according to our research.
El Paso drivers pay an average of $156 per month for car insurance, according to Compare.com data. Liability-only coverage costs around $96 monthly, while full coverage averages $216.
Texas has minimum car insurance coverage requirements of $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage.
Texas drivers pay an average of $184 per month for car insurance, according to Compare.com data. Basic liability coverage averages $122 monthly, and drivers pay an average of $245 monthly for full coverage in Texas.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources:
Texas Department of Motor Vehicles, “TexasSure - Insurance Verification,” accessed October 22, 2024.
Insurance Information Institute, “Facts + Statistics: Uninsured motorists,” accessed October 22, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed October 22, 2024.
MilitaryINSTALLATIONS, “Fort Bliss,” accessed October 22, 2024.
Federal Reserve Economic Data, “Mean Commuting Time for Workers (5-year estimate) in El Paso County, TX,” accessed October 22, 2024.
Insurance Institute for Highway Safety, “Fatality Facts 2022,” accessed October 22, 2024.
Centers for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed October 22, 2024.
Insurance Institute for Highway Safety, “Older drivers,” accessed October 22, 2024.
Texas Department of Insurance, “Auto insurance guide,” accessed October 22, 2024.
Texas Department of Insurance, “Credit Scoring and Insurance,” accessed October 22, 2024.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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