Cheapest Car Insurance Quotes in El Paso, Texas (2022)

GEICO has the cheapest full-coverage car insurance in El Paso at $189 a month.

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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

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.

Cheapest car insurance in El Paso for minimum coverage
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.

Cheapest car insurance in El Paso for full coverage
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.

Cheapest car insurance with a speeding ticket
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.

Cheapest car insurance after an accident
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.

Cheapest car insurance after a DUI
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.

Cheapest car insurance for teens (minimum coverage)
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.

Cheapest car insurance for teens (full coverage)
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.

Cheapest car insurance for seniors (minimum 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.

Cheapest car insurance for seniors (full coverage)
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

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