Cheapest Auto Insurance in El Paso, Texas (2025)

El Paso is located on the western tip of Texas, sharing a border with New Mexico. Because of El Paso’s inland location, the city is spared from many of Texas’ biggest weather risks, like tornadoes and tropical cyclones that form in the Gulf of Mexico.

Its relatively sheltered location could be one reason why El Paso drivers pay slightly less for car insurance than the average driver in the Lone Star State. Full-coverage car insurance in El Paso averages $198 per month, while liability-only coverage averages $105. By comparison, the state-level averages are $220 and $124, respectively.

Rates vary based on your age, credit history, vehicle type, and other factors, so it's a good idea to compare car insurance quotes to find the best deal available to you.

3 of the cheapest car insurance companies in El Paso

Many car insurance companies insure drivers in El Paso. But the best car insurance company is different for every driver. The right insurer for you depends on your individual situation and coverage needs. To kick off your search, here are some of the best car insurance companies in El Paso.

Best insurer for cheap rates: State Farm

Best insurer for military families: USAA

Best insurer for discounts: GEICO

How to get the cheapest car insurance in El Paso

Car insurance premiums are unique to each individual. But you have a variety of ways to get cheap car insurance in El Paso:5

• Choose a higher deductible. If you get a full-coverage policy, you can reduce your monthly car insurance premium by choosing higher deductibles for collision and comprehensive insurance. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.

• Take a defensive driving course. Most car insurance companies in El Paso offer a discount to drivers who complete an approved defensive driving course.

• Bundle your policies. When you purchase two or more insurance products from the same company, like car insurance and home insurance or business insurance, you can save money on your policy.

Cheapest liability-only car insurance in El Paso: State Farm

Texas requires liability-only car insurance for all drivers. Liability covers your legal and financial responsibilities if you cause an accident and another driver or passenger suffers bodily injuries or property damage. Liability insurance is the cheapest type of car insurance you can get. But it won’t cover your injuries or damage to your vehicle if you’re in an accident.

On average, El Paso drivers pay $105 per month for liability-only car insurance. Below, you can see the cheapest car insurance companies in El Paso for liability-only insurance.

Cheapest full-coverage car insurance in El Paso: State Farm

Full-coverage car insurance provides higher levels of protection than minimum coverage. It typically includes liability insurance as well as collision insurance and comprehensive insurance, which pay for your vehicle’s damages after a covered loss. You can also get medical payments insurance, which pays for some of your medical expenses after a crash.

For most drivers in El Paso, full coverage is optional. But it’s often a requirement if you lease or finance your vehicle. Full coverage can also be beneficial if you have a new vehicle or drive a car that has high repair costs.

On average, El Paso drivers pay $198 per month for full coverage. Here are the cheapest car insurance companies in El Paso for full-coverage insurance.

Car insurance requirements in Texas

Vehicle owners in El Paso must carry liability insurance with at least 30/60/25 coverage limits.1 For more protection, you can choose higher insurance coverage limits, which insurance agents generally recommend.

Texas is an at-fault state, also called a tort state. After an accident, the at-fault driver is legally responsible for compensating the other person for their injuries and property damage.

Other coverage options may also be available. Texas car insurance companies are required to offer personal injury protection (PIP) and uninsured/underinsured motorist insurance (UM/UIM) when you purchase a minimum-coverage insurance policy. But you can refuse these coverages in writing if you don’t want them.

Here are other coverages you can add to your policy for more protection:

Cheapest car insurance for drivers with an incident

If you have any incidents on your record, like a speeding ticket or an at-fault accident, you can expect to pay more for car insurance than someone with a clean driving record.2 But the exact rate increase depends on the type of incident.

For example, a speeding ticket may have a small effect on your premium, whereas driving under the influence will have a much bigger effect.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Getting pulled over for speeding can affect the price of your car insurance, but you won’t see your rate increase immediately. Insurance companies typically review your driving record when your policy renews, which is when the rate increase will go into effect. A speeding ticket can increase your rates for three to five years.

If you get a speeding ticket, your car insurance rate increase will depend on several factors, like whether it’s your first ticket and how much over the speed limit you were driving.

El Paso drivers with speeding infractions pay an average of $126 monthly for liability coverage. The table below shows average liability-only rates top insurance companies offer to El Paso drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Getting into an accident will likely cause your car insurance premium to increase unless you have an endorsement on your policy, like accident forgiveness. The rate increase after an accident can be small or significant, depending on your insurance company, but the accident will likely increase your rates for three to five years.3

Also, keep in mind that your car insurance premium can still increase after a not-at-fault accident. If this happens, however, the rate hike usually isn’t as much as it would be for an at-fault accident.

At-fault accidents push average car insurance rates in El Paso to $134 per month for liability coverage and $252 for full coverage. These El Paso insurance companies have the lowest average monthly rates for drivers with an at-fault accident on their record.

Cheapest car insurance for drivers with a DWI: State Farm

A DWI is one of the most serious incidents you can have on your driving record. Most car insurance companies increase rates dramatically for drivers who have been convicted of driving under the influence of drugs or alcohol. If you get a DWI, shopping around for new car insurance quotes could help you find a less expensive policy.

El Paso drivers with a DWI pay average monthly rates of $242 for full coverage and $128 for liability coverage. Here are the cheapest car insurance companies for El Paso drivers with a DWI, based on Insurify’s analysis of recent rate data.

Cheapest car insurance for seniors: State Farm

Seniors pay higher rates for car insurance than middle-aged adults. In most cases, car insurance premiums decrease around age 35 and increase again around age 70. But other factors — like driving record, credit history, and vehicle type — can also affect rates for seniors.

On average, car insurance for senior drivers in El Paso costs $89 monthly for liability-only insurance and $168 for full coverage. In the table below, you can see which companies have the cheapest car insurance in El Paso for senior drivers.

Cheapest car insurance for teens: State Farm

Teen drivers pay the highest rates for auto insurance in El Paso and across the U.S. Newly licensed teen drivers lack experience on the road and are statistically more likely to get into accidents than older drivers.4

But teen drivers have some ways to save money on their car insurance. For example, some insurers offer a discount for smart students or insuring a safe vehicle. Teens can also get cheaper car insurance by staying on their parents’ policy. An insurance agent might be able to recommend additional ways to save.

In El Paso, car insurance for teen drivers averages $385 per month for full coverage and $204 for liability coverage. Below, you can see which car insurance companies in El Paso have the lowest average monthly car insurance premiums for teen drivers.

El Paso car insurance quotes by credit tier

Car insurance companies in Texas are legally allowed to use credit-based insurance scores.6 When you apply for an auto insurance policy, the company will look at your credit history and use it to calculate your premium. Drivers with good credit typically pay lower rates than drivers with poor credit because insurers view drivers with poor credit as more likely to file a claim.

In the table below, you can see the average monthly full-coverage car insurance premium for El Paso drivers based on credit tier.

Is car insurance more expensive in El Paso?

Drivers in El Paso pay similar rates for car insurance as the average American. The U.S. national average cost of car insurance is $184 per month for full coverage and $104 per month for liability coverage. For comparison, the average rate in El Paso is $198 per month for full coverage and $105 per month for minimum coverage.

More cities in Texas

Car insurance rates are different in every city. Factors like population density, the number of uninsured drivers, and the citywide accident rate can all contribute to premiums.

Below, you can see how average monthly car insurance costs compare in some other Texas cities.