Best Car Insurance Companies in El Paso, TX

The best auto insurer for you depends on a number of variables, including your driving history, coverage needs and budget. The best overall auto insurer in El Paso is Texas Farm Bureau. It's also ideal for young drivers, seniors and those with traffic violations. Customers with new vehicles are better off with Allstate, while teen drivers should consider State Farm. Chubb offers the best customer service.

For those who are mostly concerned about saving money, MoneyGeek also rounded up the most affordable auto insurers in El Paso.

The top car insurance companies in El Paso are:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($662 per year)
• State Farm: MoneyGeek score 75 out of 100 ($692 per year)

Texas Farm Bureau, which earned the top score for affordability and the second-highest score for customer satisfaction of the 12 providers we evaluated, is our pick for the best overall auto insurance provider in El Paso, Texas. This company provides policyholders with high-quality service at a reasonable price.

USAA is also a great choice for military personnel and their families in El Paso — the company earned a MoneyGeek score of 79 out of 100. Texas Farm Bureau is also the best auto insurance provider in Texas.

Texas Farm Bureau is the best option out of the 12 insurance companies we compared in El Paso, Texas. It has the lowest rates ($662 annually) and the second-best customer satisfaction ratings. Foremost received the best ratings for customer satisfaction, while Chubb ranked the highest for claims management, but both companies are significantly more expensive.

The rates noted in this section are for full coverage policies. We only gave MoneyGeek scores to businesses if there was enough information available for each criterion, such as customer service, affordability and financial stability.

Disregarding affordability, the top auto insurance companies in El Paso for customer service are:

• Chubb: MoneyGeek score 76 out of 100 ($1,271 per year)
• Foremost: MoneyGeek score 67 out of 100 ($1,435 per year)

Chubb earned the best claims management rating and the third-highest rating for customer satisfaction, making it a clear winner in the customer service category. However, its policies are more expensive on average compared to competitors.

Emergency situations, such as a car breaking down, highlight the importance of good customer care. Insurance companies that offer exceptional customer service process claims quickly and address policyholders' concerns.

Because of its excellent claims handling and customer satisfaction ratings, Chubb is our top choice. Foremost scored slightly higher in customer satisfaction and essential coverages but fell behind in affordability and claims management.

Based on their balance of cost and service quality, the best companies for car insurance policies that only meet the minimum coverage requirements in Texas are:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($270 per year)
• State Farm: MoneyGeek score 76 out of 100 ($312 per year)

Although plans with minimum coverage are generally the most affordable, they also provide the least amount of liability insurance and do not cover damage to your own car. All cities in Lone Star State must meet the Texas minimum auto insurance requirements.

The best minimum coverage providers are those who offer competitive rates without sacrificing the quality of service to their clients. Lower rates sometimes come with worse service, but this isn't a tradeoff that drivers have to make with Texas Farm Bureau. State Farm, our runner-up, offers the second-cheapest minimum coverage policies in the city but lags behind Texas Farm Bureau in customer service.

The following companies offer the best car insurance for young adults in El Paso:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($809 per year)
• State Farm: MoneyGeek score 74 out of 100 ($884 per year)

Customers of Texas Farm Bureau can rest assured that they will receive excellent service at a reasonable price as the company consistently ranks among the best in affordability and customer satisfaction.

Young drivers looking for the best car insurance provider should focus on three criteria: good customer service, reasonable rates and discounts tailored to their age group. Texas Farm Bureau meets these criteria, making it our top pick for young adults in El Paso. State Farm is also a strong contender, but it is slightly more expensive and ranks lower for customer service.

The best auto insurance providers for teens on a family policy in El Paso are:

• State Farm: MoneyGeek score 75 out of 100 ($2,360 per year)
• Foremost: MoneyGeek score 75 out of 100 ($3,667 per year)

State Farm has the second-cheapest premiums and the second-best customer satisfaction rating of the six insurance providers we looked at, so teens can get reasonable rates without sacrificing quality with this insurer.

Teen drivers can save money on car insurance by joining their parents' policy rather than buying their own — in most cases, teens under the age of 18 cannot legally buy their own policy without a parent or guardian agreeing to cosign. Teens in El Paso can save $3,267 annually on average if they join a family policy rather than purchase their own.

The best companies for teen drivers will provide excellent service at competitive prices, as well as discounts and protections useful to their demographic, such as the good student discount and roadside assistance. Because of its low rates, excellent customer service and teen-oriented discounts, State Farm is the best auto insurance provider for teen drivers in El Paso. State Farm has a slightly lower customer satisfaction score than our runner-up choice, Foremost, but it's more affordable on average.

In El Paso, the best auto insurance companies for seniors are:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($544 per year)
• State Farm: MoneyGeek score 74 out of 100 ($622 per year)

When it comes to auto insurance for seniors, Texas Farm Bureau ranks first in affordability and second in client satisfaction. Those in their 60s typically pay similar auto insurance prices to drivers in their 30s and 50s, but rates tend to increase in their 70s.

Policyholders in their 60s generally pay lower rates than those in younger age brackets, but they are more likely to get seriously injured in an accident. As such, they should look for full coverage policies that include personal injury protection (PIP) or medical payments coverage. They may also look for companies that offer discounts applicable to seniors, such as defensive driving discounts. Texas Farm Bureau stands out from the competition thanks to its reasonable prices and high customer satisfaction ratings. It ranks higher than State Farm in every category except financial stability.

The best auto insurance for drivers with violations in El Paso is from:

• Texas Farm Bureau: MoneyGeek score 77 out of 100 ($1,267 per year)
• State Farm: MoneyGeek score 73 out of 100 ($1,218 per year)

Texas Farm Bureau ranks highly for both affordability and customer satisfaction, meaning that drivers with poor records can still find insurance at a reasonable rate with this provider.

In general, the more serious the infraction, the higher your rate will be. A speeding violation in El Paso will increase your premium by about $211 per year, while a DUI conviction will increase your rate by around $484 per year.

A good car insurance company for policyholders with poor driving records will have competitive rates, a wide variety of discounts and essential coverages like accident forgiveness and roadside assistance. Texas Farm Bureau ranked third for affordability and second for customer satisfaction, making it the best overall option for drivers with offenses. Our second-place choice, State Farm, is less expensive but received lower marks for customer satisfaction.

The best company in El Paso for drivers with a new car is Allstate. Here are the top two companies in the city:

• Allstate: MoneyGeek score 73 out of 100 ($1,416 per year)
• Foremost: MoneyGeek score 53 out of 100 ($1,909 per year)

This category's rankings were based on cost and service quality for drivers with a 2022 model car in Texas. Only auto insurance companies that offer new or better replacement coverage were included.

If your car is totaled in an accident and you have new car replacement coverage, the insurance company will pay for a brand-new vehicle of the same make and model. Allstate provides this coverage option for drivers in El Paso along with a wide range of other coverage options and an affordable rate.

Divers who have recently purchased a vehicle should shop for auto insurance policies that provide new or better replacement coverage. If you total your new vehicle in a covered accident, these extras could help you recover your recent investment.

Allstate is the best option for new car drivers in El Paso because it's cost-effective and offers new car replacement coverage. Our second-place pick, Foremost, has higher customer satisfaction ratings but a higher price tag as well.

Your individual requirements and driving history will determine which El Paso auto insurance provider is ideal for you. Below, you'll find our responses to frequently asked questions that will help you make a more informed choice.