Buy Cheap El Paso, TX Auto Insurance (2021)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • 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.

Minimum Required Auto Insurance Coverage in El Paso, Texas

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.

Annual Auto Insurance Rates by Credit Score in El Paso, Texas

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in El Paso, Texas

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.

Annual Auto Insurance Rates for Teen Drivers in El Paso, Texas

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.

Annual Auto Insurance Rates for Senior Drivers in El Paso, Texas

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.

Annual Auto Insurance Rates by Coverage Level in El Paso, Texas

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.

Annual Auto Insurance Rates by Commute Length in El Paso, Texas

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.

Annual Auto Insurance Rates by ZIP Code in El Paso, Texas

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.

Annual El Paso, Texas Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in El Paso, Texas

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.

Best Annual Auto Insurance Rates by Company in El Paso, Texas

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.

Average Annual Auto Insurance Rates by Company in El Paso, Texas

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.

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