Cheap Car Insurance in El Paso

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in El Paso

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On top of the usual traffic concerns you’ll find in a large city, El Paso drivers also have to contend with border crossings. The city is a major port of entry into the U.S. and border traffic can stress its already-crowded roadways, especially during rush hour. 

To protect yourself on the roads, it’s important to invest in a quality car insurance policy that fits your budget. To help you price shop, we’ve pulled real Jerry customer quotes for El Paso, so you can see how your age, driving record and preferred coverage affect your premium costs.

Cheapest minimum coverage insurance in El Paso

Texas requires you to have a minimum coverage of:

  • $30,000 of bodily injury per person.
  • $60,000 of bodily injury per per accident.
  • $25,000 for property damage.

These are some of the cheapest quotes that Jerry customers received for state minimum coverage in El Paso.

COMPARE AFFORDABLE CAR INSURANCE WITH JERRY
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$36 $435 Progressive 40 March 2, 2025 El Paso, TX 79930
$40 $483 Progressive 35 August 14, 2024 El Paso, TX 79912
$41 $491 Progressive 42 February 26, 2024 El Paso, TX 79912
$42 $499 Progressive 41 November 25, 2024 El Paso, TX 79925
$42 $507 Progressive 56 December 30, 2023 El Paso, TX 79930
$42 $509 Progressive 33 December 26, 2024 El Paso, TX 79912
$44 $525 Progressive 54 March 2, 2025 El Paso, TX 79907
$44 $527 Commonwealth Insurance 36 January 21, 2025 El Paso, TX 79915
$45 $541 Progressive 33 April 24, 2024 El Paso, TX 79936
$45 $543 Progressive 49 June 19, 2024 El Paso, TX 79902
Last Updated Apr 17, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in El Paso

Drivers concerned about car theft or damage from something other than an accident — like hitting an animal in the road — may consider full coverage, which combines comprehensive and collision to give you more protection than the minimum.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$39 $463 Progressive 57 April 8, 2025 El Paso, TX 79922
$39 $473 Progressive 33 March 10, 2025 El Paso, TX 79934
$41 $497 Progressive 58 April 21, 2025 El Paso, TX 79927
$43 $521 Progressive 79 April 15, 2025 El Paso, TX 79936
$48 $575 Progressive 35 May 29, 2024 El Paso, TX 79927
$48 $581 Progressive 66 April 30, 2024 El Paso, TX 79934
$53 $633 Progressive 28 November 16, 2024 El Paso, TX 79938
$55 $663 Progressive 51 April 29, 2024 El Paso, TX 79938
$60 $725 Progressive 29 January 2, 2025 El Paso, TX 79904
$66 $789 Progressive 63 December 31, 2024 El Paso, TX 79915
Last Updated Apr 23, 2025

Cheapest car insurance for young drivers in El Paso (18-29 years old)

El Pasoans between 18 and 29 years old could see savings by shopping around for the cheapest auto insurance.

To help you get started, here are some of the cheapest car insurance quotes young drivers in El Paso have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$46 $555 Progressive 29 No April 8, 2025 El Paso, TX 79903
$49 $589 Progressive 26 No February 14, 2025 El Paso, TX 79932
$53 $633 Progressive 28 Yes November 16, 2024 El Paso, TX 79938
$57 $679 Commonwealth Insurance 28 No July 28, 2024 El Paso, TX 79932
$58 $698 Commonwealth Insurance 26 No September 25, 2024 El Paso, TX 79915
Last Updated Apr 23, 2025

Cheapest car insurance for mature drivers in El Paso (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$36 $435 Progressive 40 No March 2, 2025 El Paso, TX 79930
$39 $473 Progressive 33 Yes March 10, 2025 El Paso, TX 79934
$40 $483 Progressive 35 No August 14, 2024 El Paso, TX 79912
$41 $491 Progressive 42 No February 26, 2024 El Paso, TX 79912
$42 $499 Progressive 41 No November 25, 2024 El Paso, TX 79925
Last Updated Apr 23, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$39 $463 Progressive 57 April 8, 2025 El Paso, TX 79922 Yes
$41 $497 Progressive 58 April 21, 2025 El Paso, TX 79927 Yes
$42 $507 Progressive 56 December 30, 2023 El Paso, TX 79930 No
$43 $521 Progressive 79 April 15, 2025 El Paso, TX 79936 Yes
$48 $581 Progressive 66 April 30, 2024 El Paso, TX 79934 Yes
Last Updated Apr 23, 2025

Cheapest car insurance for drivers with clean records in El Paso

Having a clean driving record is one way to help keep your car insurance premium low. Here are quotes from Jerry customers in El Paso with spotless records.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$36 $435 Progressive 40 March 2, 2025 No El Paso, TX 79930
$39 $463 Progressive 57 April 8, 2025 Yes El Paso, TX 79922
$39 $473 Progressive 33 March 10, 2025 Yes El Paso, TX 79934
$40 $483 Progressive 35 August 14, 2024 No El Paso, TX 79912
$41 $491 Progressive 42 February 26, 2024 No El Paso, TX 79912
$41 $497 Progressive 58 April 21, 2025 Yes El Paso, TX 79927
$42 $499 Progressive 41 November 25, 2024 No El Paso, TX 79925
$42 $509 Progressive 33 December 26, 2024 No El Paso, TX 79912
$44 $525 Progressive 54 March 2, 2025 No El Paso, TX 79907
$45 $543 Progressive 49 June 19, 2024 No El Paso, TX 79902
Last Updated Apr 23, 2025

Cheapest car insurance for drivers with low credit scores in El Paso

Having a low credit score could drive up your car insurance rate. These are a few examples from drivers El Paso who got a quote via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $54 $649 Commonwealth Insurance 35 August 20, 2024 El Paso, TX 79924
<550 $57 $681 Bluefire 44 December 17, 2023 El Paso, TX 79938
<550 $58 $698 Commonwealth Insurance 26 September 25, 2024 El Paso, TX 79915
<550 $61 $738 Commonwealth Insurance 37 April 1, 2024 El Paso, TX 79930
<550 $66 $789 Progressive 63 December 31, 2024 El Paso, TX 79915
<550 $68 $815 Progressive 30 March 11, 2024 El Paso, TX 79927
<550 $68 $819 Progressive 41 October 1, 2024 El Paso, TX 79904
<550 $69 $831 Bluefire 34 January 12, 2024 El Paso, TX 79904
<550 $71 $850 Commonwealth Insurance 30 December 22, 2023 El Paso, TX 79936
<550 $74 $891 Aspen 29 June 21, 2024 El Paso, TX 79912
Last Updated Apr 23, 2025

Cheapest car insurance for drivers with at-fault accidents in El Paso

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $44 $527 Commonwealth Insurance 36 No January 21, 2025 El Paso, TX 79915
At Fault With No Injury $45 $541 Progressive 33 No April 24, 2024 El Paso, TX 79936
At Fault With No Injury $49 $589 Progressive 26 No February 14, 2025 El Paso, TX 79932
At Fault With No Injury $53 $638 Safeco 36 No January 24, 2024 El Paso, TX 79902
At Fault With No Injury $54 $649 Progressive 55 No February 24, 2025 El Paso, TX 79912
Last Updated Apr 23, 2025

Cheapest car insurance for drivers with speeding tickets in El Paso

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $51 $607 Progressive 41 February 11, 2025 El Paso, TX 79907
Speeding over 15 $54 $649 Progressive 55 February 24, 2025 El Paso, TX 79912
Speeding over 15 $74 $885 Progressive 37 December 2, 2024 El Paso, TX 79912
Speeding over 15 $75 $897 Assurance America 27 March 5, 2025 El Paso, TX 79932
Speeding under 15 $76 $911 Bluefire 53 January 22, 2024 El Paso, TX 79912
Last Updated Apr 23, 2025

Cheapest car insurance for drivers with DUIs in El Paso

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $85 $1,021 Progressive 35 October 26, 2024 El Paso, TX 79936
DUI $92 $1,110 Progressive 30 June 23, 2024 El Paso, TX 79904
DUI $121 $1,449 Progressive 31 October 6, 2024 El Paso, TX 79925
DUI $129 $1,547 Progressive 30 February 11, 2025 El Paso, TX 79934
DUI $236 $2,827 Root 42 April 3, 2025 El Paso, TX 79927
Last Updated Apr 23, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.