Buy Cheap El Paso, TX Auto Insurance in 2024
El Paso, TX auto insurance rates average $310 a month. Minimum auto insurance requirements in El Paso, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in El Paso, TX, compare El Paso auto insurance quotes from top companies.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in El Paso after a DUI is Allstate
- Average auto insurance rates in El Paso, TX after a DUI are $4,242/year
- Average auto insurance rates in El Paso, TX for teens drivers are $6,514/year
Finding affordable El Paso, Texas auto insurance can be challenging, but everything you need to know to buy cheap El Paso, TX auto insurance with confidence is right here. Auto insurance rates in El Paso are affected by local factors as well as personal ones like your driving record.
See how El Paso, TX car insurance rates compare to Corpus Christi auto insurance rates, Dallas auto insurance rates, and Houston auto insurance rates before you read more about the cost of auto insurance in El Paso.
Don’t buy El Paso, TX auto insurance until you’ve compared rates. Get free El Paso, Texas auto insurance quotes when you enter your ZIP code above.
El Paso, TX Minimum Auto Insurance Requirements
The required auto insurance in El Paso, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in El Paso, Texas is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap El Paso, TX Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in El Paso, TX. Take a look at El Paso, Texas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,019 | $5,122 | $4,375 |
| American Family | $5,911 | $3,693 | $3,237 |
| Geico | $4,760 | $2,700 | $1,805 |
| Nationwide | $4,223 | $3,368 | $2,937 |
| Progressive | $4,768 | $4,061 | $3,742 |
| State Farm | $4,210 | $2,626 | $2,096 |
| USAA | $3,711 | $2,139 | $1,721 |
Buy Cheap El Paso, TX Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect El Paso, Texas auto insurance rates? Find out how car insurance rates in El Paso, TX are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,614 | $3,661 | $3,572 | $3,572 | $9,255 | $11,216 | $4,472 | $4,682 |
| American Family | $2,556 | $2,839 | $2,398 | $2,739 | $6,823 | $9,006 | $3,674 | $4,208 |
| Geico | $2,301 | $2,488 | $2,221 | $2,541 | $5,027 | $5,174 | $2,491 | $2,465 |
| Nationwide | $2,252 | $2,303 | $1,986 | $2,117 | $6,081 | $7,879 | $2,614 | $2,842 |
| Progressive | $2,338 | $2,259 | $2,055 | $2,109 | $9,040 | $10,087 | $2,784 | $2,853 |
| State Farm | $2,115 | $2,115 | $1,878 | $1,878 | $4,929 | $6,253 | $2,291 | $2,359 |
| USAA | $1,627 | $1,645 | $1,554 | $1,555 | $4,441 | $4,857 | $2,169 | $2,342 |
Buy Cheap El Paso, TX Auto Insurance for Teen Drivers
Auto insurance for teenagers in El Paso can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in El Paso, TX are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,255 | $11,216 |
| American Family | $6,823 | $9,006 |
| Geico | $5,027 | $5,174 |
| Nationwide | $6,081 | $7,879 |
| Progressive | $9,040 | $10,087 |
| State Farm | $4,929 | $6,253 |
| USAA | $4,441 | $4,857 |
Buy Cheap El Paso, TX Auto Insurance for Seniors
You can save on senior auto insurance rates in El Paso, Texas by comparing El Paso senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in El Paso, TX here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,572 | $3,572 |
| American Family | $2,398 | $2,739 |
| Geico | $2,221 | $2,541 |
| Nationwide | $1,986 | $2,117 |
| Progressive | $2,055 | $2,109 |
| State Farm | $1,878 | $1,878 |
| USAA | $1,554 | $1,555 |
Find Cheap Auto Insurance Rates in El Paso, TX by Coverage Level
The amount of coverage you choose is a big factor in the cost of El Paso, Texas auto insurance. Compare El Paso, TX auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,379 | $5,458 | $5,679 |
| American Family | $4,013 | $4,134 | $4,694 |
| Geico | $2,900 | $3,040 | $3,325 |
| Nationwide | $3,788 | $3,354 | $3,385 |
| Progressive | $4,016 | $4,173 | $4,382 |
| State Farm | $2,813 | $2,963 | $3,156 |
| USAA | $2,433 | $2,512 | $2,625 |
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Find Cheap El Paso, TX Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in El Paso. Compare auto insurance rates in El Paso, TX by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,379 | $5,632 |
| American Family | $4,280 | $4,280 |
| Geico | $3,028 | $3,149 |
| Nationwide | $3,509 | $3,509 |
| Progressive | $4,190 | $4,190 |
| State Farm | $2,977 | $2,977 |
| USAA | $2,491 | $2,556 |
Find Cheap El Paso, TX Auto Insurance Rates by ZIP Code
Auto insurance rates in El Paso, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in El Paso, TX to see how much where you live in El Paso affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 79901 | $5,354 |
| 79902 | $5,455 |
| 79903 | $5,303 |
| 79904 | $5,106 |
| 79905 | $5,449 |
| 79906 | $5,340 |
| 79907 | $5,377 |
| 79910 | $6,360 |
| 79911 | $5,248 |
| 79912 | $5,237 |
| 79915 | $5,310 |
| 79922 | $5,401 |
| 79924 | $5,294 |
| 79925 | $5,301 |
| 79927 | $5,439 |
| 79928 | $5,410 |
| 79930 | $5,391 |
| 79932 | $5,191 |
| 79934 | $5,322 |
| 79935 | $5,318 |
| 79936 | $5,541 |
| 79938 | $5,573 |
| 79968 | $5,487 |
Find Cheap El Paso, TX Auto Insurance Rates by Driving Record
Auto insurance rates in El Paso, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in El Paso, TX, take a look at the average cost for various violations versus rates for a clean driving record in El Paso.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,337 | $6,548 | $6,801 | $4,337 |
| American Family | $3,894 | $4,979 | $4,355 | $3,894 |
| Geico | $2,622 | $3,455 | $2,894 | $3,383 |
| Nationwide | $3,034 | $3,034 | $4,531 | $3,437 |
| Progressive | $3,664 | $4,666 | $4,290 | $4,142 |
| State Farm | $2,658 | $3,032 | $3,561 | $2,658 |
| USAA | $1,888 | $2,778 | $3,260 | $2,168 |
Find Cheap El Paso, TX Auto Insurance Rates After a DUI
The cost of DUI auto insurance in El Paso, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in El Paso for less when you shop around and compare rates from multiple El Paso, TX auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,801 |
| American Family | $4,355 |
| Geico | $2,894 |
| Nationwide | $4,531 |
| Progressive | $4,290 |
| State Farm | $3,561 |
| USAA | $3,260 |
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Winners by Category: Where to Buy Cheap Auto Insurance in El Paso, TX
Compare rates from the cheapest auto insurance companies in El Paso, TX for your needs. Take a look at how El Paso, Texas auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Find Cheap El Paso, Texas Auto Insurance Companies
If you’re looking for the cheapest El Paso, TX auto insurance companies overall, you can compare them here. Find the best price for El Paso, Texas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,506 |
| American Family | $4,280 |
| Geico | $3,089 |
| Nationwide | $3,509 |
| Progressive | $4,190 |
| State Farm | $2,977 |
| USAA | $2,524 |
What affects El Paso, Texas auto insurance rates?
Local factors affect auto insurance rates in El Paso, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact El Paso auto insurance rates.
Auto Theft in El Paso
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for El Paso, TX auto theft show a total of 817 vehicle thefts annually.
Commute Times in El Paso
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in El Paso, TX is 23.2 minutes according to City-Data.
Traffic in El Paso
How is traffic in El Paso, Texas? Inrix data shows that El Paso, TX traffic makes it the 914th-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in El Paso, TX
You can buy cheap El Paso, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free El Paso, Texas auto insurance quotes from top companies.
Frequently Asked Questions
What factors affect the cost of auto insurance in El Paso, TX?
Several factors influence the cost of auto insurance in El Paso, TX. These factors include your age, driving history, type of vehicle, coverage limits, deductible, credit score, and the level of coverage you choose.
How can I find cheap auto insurance in El Paso, TX?
To find cheap auto insurance in El Paso, TX, you can consider the following:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record.
- Opt for a higher deductible, if you can afford it.
- Bundle your auto insurance with other policies, such as home insurance.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your vehicle.
Is it possible to get quality coverage while still paying a low premium?
Yes, it is possible to find quality coverage at a lower premium. By comparing quotes from different insurance providers and understanding your coverage needs, you can find a balance between affordability and the level of coverage you require.
Are there any specific discounts available for auto insurance in El Paso, TX?
Yes, many insurance companies offer various discounts in El Paso, TX. Some common discounts include:
- Safe driver discounts for maintaining a clean driving record.
- Multi-policy discounts for bundling multiple insurance policies with the same provider.
- Good student discounts for students who maintain good grades.
- Safety feature discounts for vehicles equipped with certain safety features.
What are the pros of buying cheap auto insurance in El Paso, TX?
The pros of buying cheap auto insurance in El Paso, TX include:
- Cost savings: Low premiums can help you save money on your insurance expenses.
- Compliance: Auto insurance is mandatory in Texas, so cheap coverage allows you to meet the legal requirements.
- Basic protection: Even with cheap coverage, you can still have basic protection in case of accidents or damages.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.