Texas Farm Bureau, Mercury and State Farm are El Paso's top affordable car insurance providers. Rates depend on your driving history and coverage level. The table below shows costs across common categories and highlights the most affordable option for each.
Cheapest Car Insurance in El Paso, TX
Updated: December 24, 2024
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Key Takeaways
Texas Farm Bureau, Mercury, State Farm, National General and Progressive offer the cheapest car insurance options in El Paso.
The lowest monthly rates are $23 for minimum coverage and $55 for full coverage.
On average, car insurance costs $58 per month for minimum coverage and $129 for full coverage.
Why Trust MoneyGeek? We analyzed car insurance companies using data from the Texas Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in El Paso
| Texas Farm Bureau | Minimum Coverage | $23 |
| Texas Farm Bureau | Full Coverage | $55 |
| Nationwide | Teens | $176 |
| Texas Farm Bureau | Young Adults | $29 |
| Texas Farm Bureau | Senior Drivers | $20 |
| Mercury | Drivers With Bad Credit | $44 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $23 |
| Mercury | Drivers With a DUI | $44 |
| Texas Farm Bureau | Drivers With an Accident | $38 |
| Texas Farm Bureau | Military Affiliated Drivers | $23 |
Cheapest Car Insurance Coverage in El Paso
Compare rates from different providers to find the cheapest car insurance in El Paso. Factors like age, driving history, vehicle type and coverage needs impact costs. While you may find the cheapest car insurance in Texas, it's not always the lowest in El Paso. Comparing multiple car insurance quotes can help you find affordable coverage.
Cheapest Minimum Coverage Car Insurance in El Paso
Texas Farm Bureau offers the cheapest minimum coverage in El Paso at $23 monthly, followed by Mercury at $31. The table below lists providers offering the best rates for minimum coverage.
| Texas Farm Bureau | $23 | $36 |
| Mercury | $31 | $27 |
| State Farm | $35 | $23 |
| National General | $41 | $17 |
| Progressive | $46 | $12 |
| AAA Texas | $53 | $6 |
Cheapest Full Coverage Car Insurance in El Paso
Texas Farm Bureau offers the cheapest full coverage car insurance in El Paso at $660 annually. Check the table below to see which providers offer the best rates.
| Texas Farm Bureau | $55 | $73 |
| State Farm | $85 | $44 |
| Progressive | $87 | $41 |
| GEICO | $108 | $21 |
| National General | $108 | $20 |
| AAA Texas | $117 | $11 |
| Mercury | $119 | $10 |
| Allstate | $125 | $4 |
Cheapest Car Insurance in El Paso by Age
In El Paso, age affects car insurance costs. Young drivers typically pay more due to inexperience. Rates decrease with age but may rise again after 70. Below are affordable options for teens, young adults and seniors.
Cheapest Car Insurance in El Paso for Teens
For teens in El Paso, the cheapest minimum coverage car insurance is from Nationwide, State Farm and GEICO. Check the table below for the lowest rates for your age group.
| Nationwide | $176 | $105 | $370 | $56 |
| State Farm | $182 | $100 | $226 | $200 |
| GEICO | $225 | $57 | $221 | $205 |
Cheapest Car Insurance in El Paso for Young Adults
Texas Farm Bureau offers the cheapest car insurance for young adults in El Paso at $348 annually for minimum coverage, which is 62% less than the city average. Other affordable options include Mercury, State Farm and Progressive.
| Texas Farm Bureau | $29 | $48 |
| Mercury | $41 | $36 |
| State Farm | $43 | $33 |
| Progressive | $53 | $23 |
| National General | $55 | $22 |
| AAA Texas | $67 | $10 |
| GEICO | $67 | $9 |
| Allstate | $74 | $3 |
Cheapest Car Insurance in El Paso for Seniors
Texas Farm Bureau offers the cheapest car insurance for seniors in El Paso at $240 annually for minimum coverage. Explore the options below from other providers to find the best rates for senior drivers.
| Texas Farm Bureau | $20 | $39 |
| State Farm | $33 | $26 |
| Mercury | $35 | $24 |
| National General | $43 | $16 |
| Progressive | $46 | $13 |
| AAA Texas | $55 | $5 |
Cheapest Car Insurance in El Paso for Drivers With Bad Credit
A low credit-based insurance score may cause your premium to be higher than a driver with good credit. The top options for cheap minimum coverage car insurance for drivers with bad credit in El Paso are Mercury ($528 yearly) and Texas Farm Bureau ($564 yearly). Review the table below for more options from other providers.
| Mercury | $44 | $59 |
| Texas Farm Bureau | $47 | $57 |
| National General | $62 | $41 |
| Progressive | $71 | $32 |
| AAA Texas | $82 | $22 |
| Allstate | $87 | $16 |
| Foremost | $89 | $15 |
| Nationwide | $99 | $5 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
If you have poor credit, you may lower your insurance costs by finding discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Improving your credit over time can also help you secure a lower rate.
Cheapest Car Insurance in El Paso After a Driving Offense
Insurance companies assess risk when setting car insurance premiums; your driving record is key. Violations like speeding tickets, accidents or DUIs can raise your rates significantly. Even the cheapest options for drivers with violations cost more than those with clean records. Below, we’ve listed affordable providers to help you find cheap car insurance after an accident or other driving offenses.
Cheapest Car Insurance in El Paso After a DUI
Texas doesn't issue DUIs but has DWIs instead. Drivers in El Paso with a DWI can still find affordable car insurance. Mercury offers the cheapest minimum coverage at $528 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DWI in El Paso.
| Mercury | $44 | $46 |
| Progressive | $49 | $40 |
| National General | $52 | $38 |
| Texas Farm Bureau | $53 | $37 |
| State Farm | $69 | $21 |
| AAA Texas | $83 | $7 |
| Foremost | $83 | $6 |
Cheapest Car Insurance in El Paso After an Accident
Texas Farm Bureau offers the most affordable minimum coverage car insurance in El Paso for drivers with an at-fault accident record at $456 annually. The table below provides options for the best car insurance company with the most affordable rates.
| Texas Farm Bureau | $38 | $59 |
| State Farm | $45 | $52 |
| Mercury | $65 | $32 |
| Progressive | $69 | $28 |
| National General | $70 | $27 |
| AAA Texas | $79 | $18 |
| GEICO | $80 | $17 |
Cheapest Car Insurance in El Paso After a Ticket
Texas Farm Bureau offers the most affordable car insurance for drivers in El Paso with a speeding record at $276 annually for minimum coverage. State Farm follows with a rate of $420. Check the table below to explore options from other providers and find the best car insurance with affordable rates.
| Texas Farm Bureau | $23 | $47 |
| State Farm | $35 | $34 |
| Mercury | $45 | $24 |
| National General | $50 | $19 |
| Progressive | $53 | $16 |
| Allstate | $59 | $11 |
| GEICO | $67 | $3 |
Cheapest Car Insurance in El Paso for Military Drivers
Military drivers, including active-duty members, veterans and their families, often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers in El Paso are Texas Farm Bureau, with an annual rate of $276 for minimum coverage, and Mercury at $372.
| Texas Farm Bureau | $23 | $34 |
| Mercury | $31 | $25 |
| USAA | $34 | $22 |
| State Farm | $35 | $21 |
| National General | $41 | $16 |
| Progressive | $46 | $10 |
| AAA Texas | $53 | $4 |
Car Insurance Quotes in El Paso
The estimated car insurance rates from the above sections provide an idea of expected premiums, serving as a helpful starting point for those seeking affordable options. Texas Farm Bureau offers $23 monthly, while Mercury charges $31. As insurers consider individual factors, quotes are the best way to get accurate estimates.
Compare El Paso Car Insurance Estimates Online
Since each insurer evaluates personal factors differently, the only way to secure the most affordable car insurance is by comparing quotes from various companies. MoneyGeek allows residents to enter basic info and receive multiple quotes in minutes, offering options like Texas Farm Bureau at $23/month or Mercury at $31/month.
Car Insurance Calculator
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Rates updated:
Dec 26, 2024
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Car Insurance Agencies in El Paso
While comparing car insurance quotes online is quick for finding affordable coverage, those in search of personalized service should contact local agencies for tailored advice. Below, find the names, review ratings, and contact information for top El Paso car insurance agencies.
How Much Does Car Insurance Cost in El Paso?
The average annual cost of full coverage car insurance in El Paso is $1,548. Minimum coverage is cheaper, averaging $696. These averages are for a 40-year-old with good credit and a clean driving record; your rate may differ.
El Paso Auto Insurance Cost by Driver Profile
See how your auto insurance compares with our summary table of average costs for different drivers. Compare and find affordable rates in your area.
| Teen Drivers | No Data | $426 |
| Young Adults | $77 | $167 |
| Senior Drivers | $59 | $122 |
| Drivers With Bad Credit | $104 | $234 |
| Drivers With a Speeding Ticket | $69 | $154 |
| Drivers With a DUI | $90 | $187 |
| Drivers With an Accident | $97 | $205 |
| Military Affiliated Drivers | $57 | $125 |
How Expensive Is Car Insurance in El Paso?
In El Paso, car insurance costs about 13% less for minimum coverage and 9% less for full coverage compared to Texas averages. Drivers pay around $58 per month for minimum coverage and $129 for full coverage.
| City Avg Rate | $58 | $129 |
| State Avg Rate | $68 | $141 |
| vs State Avg Rate | $9 | $13 |
Car Insurance Requirements in El Paso
Texas law requires drivers to carry minimum auto insurance coverage to ensure financial protection in accidents. The minimum coverage limits are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
This coverage helps pay for damage or injuries you cause if you're at fault in an accident. For instance, if you injure someone in an accident, your bodily injury liability covers up to $30,000 of their medical expenses. Costs exceeding this amount would need to be paid out of pocket unless you have higher coverage limits.
Texans needing SR-22 insurance in El Paso must meet these minimum coverage requirements to drive legally.
Cheapest Car Insurance in El Paso: Bottom Line
El Paso's most affordable car insurance depends on age, driving record and credit history. Texas Farm Bureau and Mercury are often the cheapest options. To save money, always compare quotes from different companies.
Cheap El Paso Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in El Paso, helping you find the best coverage for your needs.
What is the cheapest car insurance company in El Paso, Texas?
The cheapest car insurance company in El Paso, Texas, is typically Texas Farm Bureau, with average annual rates of $276 for minimum coverage and $660 for full coverage. Rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in El Paso, Texas?
The average annual cost of car insurance in El Paso, Texas, is $1,548 for full coverage, while minimum coverage averages $696.
Is car insurance in El Paso, Texas, expensive?
Car insurance in El Paso is slightly cheaper than the Texas average. The city's average liability rate is $58 monthly, which is $9 lower than the state average of $68. For full coverage, El Paso's average rate is $129 monthly, which is $13 lower than the state average of $141.
How We Chose the Cheapest Car Insurance in El Paso, TX
To help El Paso drivers find the most affordable auto insurance companies, MoneyGeek analyzed El Paso auto insurance rates based on data from the Texas Department of Insurance and Quadrant Information Services.
El Paso Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in El Paso with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We adjusted certain factors — such as age, driving record, credit history and military affiliation — to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in El Paso
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.