GEICO and State Farm offer the cheapest car insurance quotes in El Paso, Texas, according to our survey of the city’s top companies.
State Farm has El Paso’s cheapest minimum-coverage car insurance rates at $103 a month, while GEICO has the cheapest full-coverage rates at $189 a month.
Key findings:
- Cheapest overall: State Farm
- Cheapest with violations: GEICO
- Cheapest for teens: GEICO
- Cheapest for seniors: State Farm
Allstate and USAA also offer affordable car insurance to El Paso drivers, so include them in your quote comparisons to get your best rate.
In this article
- What is the cheapest car insurance company in El Paso?
- What is the average cost of car insurance in El Paso?
- Who has the cheapest car insurance for tickets, accidents and DUIs?
- Who has the cheapest car insurance for teens?
- Who has the cheapest car insurance for seniors?
- What are El Paso’s car insurance requirements?
Who has the cheapest car insurance in El Paso, Texas? State Farm and GEICO
State Farm has the cheapest car insurance in El Paso if you buy a minimum-coverage policy, charging $103 a month, on average.
Compare auto insurance rates with Allstate and GEICO, too, to get your best price, as their average rates are nearly as cheap as State Farm’s.
| Company | Monthly rate |
|---|---|
| State Farm | $103 |
| Allstate | $104 |
| GEICO | $111 |
| USAA | $56 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
El Paso drivers with ties to the military should also compare car insurance quotes with USAA, as we found its average monthly premium to be even lower than that of State Farm at $56.
GEICO is the cheapest car insurance company for El Paso drivers who want a full-coverage policy at an average premium of $189 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $189 |
| State Farm | $193 |
| Allstate | $256 |
| USAA | $118 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm’s average premium isn’t far behind, though, at $193 a month, so don’t ignore it while shopping for coverage.
Minimum-coverage car insurance meets Texas’ requirements for liability coverage, which covers injuries and property damage you cause to others. It doesn’t cover your own medical bills or car repairs.
Full-coverage car insurance usually includes collision and comprehensive as well as liability coverage. Texas doesn’t require full coverage, but many lenders and lessors do. Consider getting it even if you don’t have to if your vehicle is new or expensive.
How much does car insurance cost in El Paso?
The average cost of car insurance in El Paso, Texas, is $141 a month.
Minimum-coverage car insurance costs $93 a month, on average, while full coverage costs $189 a month.
Car insurance is cheaper in El Paso than it is in Texas overall. The state average for minimum coverage is $109 a month. For full coverage, it’s $204 a month.
Compare auto insurance quotes from top companies
Cheapest car insurance in El Paso by driving record
GEICO and State Farm offer the cheapest auto insurance quotes to El Paso drivers with incidents or violations on their records.
For drivers with a speeding ticket on their records, GEICO’s average rate of $230 a month is the city’s cheapest for a full-coverage car insurance policy.
| Company | Monthly rate |
|---|---|
| GEICO | $230 |
| State Farm | $244 |
| Allstate | $256 |
| USAA | $134 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm has the cheapest car insurance rates in El Paso for drivers after an accident, charging $270 a month, on average.
| Company | Monthly rate |
|---|---|
| State Farm | $270 |
| GEICO | $286 |
| Allstate | $383 |
| USAA | $183 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
El Paso drivers with a DUI on their records get the cheapest quotes from GEICO, which offers an average rate of $322 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $322 |
| State Farm | $348 |
| Allstate | $373 |
| USAA | $177 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare rates with Allstate, too, to get your best and cheapest price on a policy, and USAA as well, if you’re eligible. Both companies also provide affordable car insurance policies to El Paso drivers with incidents like accidents and DUIs on their records.
Where can I get cheap car insurance in El Paso for teen drivers? GEICO
GEICO is the best company for cheap car insurance in El Paso if you’re a teen driver, charging $219 a month, on average, for a minimum-coverage policy.
| Company | Monthly rate |
|---|---|
| GEICO | $219 |
| Allstate | $287 |
| State Farm | $361 |
| USAA | $105 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers pay higher car insurance rates than any other age group, due in large part to how often they get into accidents. To compensate and get your best rate, you need to compare quotes from several companies, like the ones highlighted below.
| Company | Monthly rate |
|---|---|
| GEICO | $396 |
| State Farm | $665 |
| Allstate | $744 |
| USAA | $219 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
El Paso teens looking for cheap full-coverage car insurance should turn to GEICO as well. Its average rate in this case is $396 a month, which is by far the lowest of the city’s top providers.
Find cheap car insurance in El Paso no matter your age
Where can I get cheap car insurance in El Paso for senior drivers? State Farm
State Farm has the cheapest car insurance for seniors in El Paso, with an average rate of $98 a month for minimum coverage and $178 a month for full coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $98 |
| Allstate | $100 |
| GEICO | $111 |
| USAA | $53 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Allstate offers El Paso seniors affordable rates for minimum car insurance, too, at $100 a month, on average.
Senior drivers who want to buy cheap full-coverage car insurance should get a quote from GEICO as well as State Farm. GEICO’s average full-coverage rate for El Paso seniors is $179 a month, or $1 more than State Farm’s.
| Company | Monthly rate |
|---|---|
| State Farm | $178 |
| GEICO | $179 |
| Allstate | $212 |
| USAA | $106 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you are current or former military, or if you’re a close family member of someone who is, check out USAA along with State Farm and GEICO. We found its rates to be the lowest overall, but only those with military ties qualify.
What are El Paso’s car insurance requirements?
El Paso drivers need to have 30/60/25 car insurance at a minimum, according to Texas state law. This means all policies must have at least:
- $30,000 per person and $60,000 per accident of bodily injury liability coverage
- $25,000 per accident of property damage liability coverage
State law also requires all drivers to carry the same amounts of uninsured motorist coverage, though you can reject this when you go to buy a policy.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every El Paso ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Texas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Houston
- Dallas
- Austin
- San Antonio
- El Paso
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