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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $31 | $375 | Safeco | 79 | October 1, 2023 | El Paso, TX | 79934 |
| $36 | $435 | Progressive | 40 | March 2, 2025 | El Paso, TX | 79930 |
| $39 | $473 | Progressive | 33 | March 10, 2025 | El Paso, TX | 79934 |
| $40 | $479 | Commonwealth Insurance | 36 | November 11, 2024 | El Paso, TX | 79907 |
| $40 | $479 | Commonwealth Insurance | 36 | November 21, 2024 | El Paso, TX | 79907 |
| $40 | $483 | Progressive | 35 | August 14, 2024 | El Paso, TX | 79912 |
| $41 | $491 | Progressive | 42 | February 26, 2024 | El Paso, TX | 79912 |
| $41 | $491 | Progressive | 57 | April 2, 2024 | El Paso, TX | 79907 |
| $41 | $493 | Progressive | 35 | March 13, 2024 | El Paso, TX | 79912 |
| $42 | $499 | Progressive | 41 | November 25, 2024 | El Paso, TX | 79925 |
If you have a loan or lease on your vehicle, the lender will require
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $39 | $473 | Progressive | 33 | March 10, 2025 | El Paso, TX | 79934 |
| $43 | $513 | Progressive | 57 | June 12, 2024 | El Paso, TX | 79922 |
| $47 | $565 | Progressive | 49 | June 13, 2024 | El Paso, TX | 79902 |
| $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 |
| $53 | $641 | Bristol West | 36 | November 20, 2024 | El Paso, TX | 79924 |
| $54 | $645 | Progressive | 34 | January 20, 2025 | El Paso, TX | 79915 |
| $55 | $663 | Progressive | 51 | April 29, 2024 | El Paso, TX | 79938 |
| $59 | $703 | Progressive | 52 | February 2, 2025 | El Paso, TX | 79907 |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $557 | Progressive | 26 | No | October 9, 2023 | El Paso, TX | 79928 |
| $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 24, 2024 | El Paso, TX | 79915 |
Cheapest car insurance for mature drivers in El Paso (30-54 years old)
|
Avg Monthly Quote
|
Avg 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 | $479 | Commonwealth Insurance | 36 | No | November 11, 2024 | El Paso, TX | 79907 |
| $40 | $479 | Commonwealth Insurance | 36 | No | November 21, 2024 | El Paso, TX | 79907 |
| $40 | $483 | Progressive | 35 | No | August 14, 2024 | El Paso, TX | 79912 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $31 | $375 | Safeco | 79 | October 1, 2023 | El Paso, TX | 79934 | No |
| $41 | $491 | Progressive | 57 | April 2, 2024 | El Paso, TX | 79907 | No |
| $43 | $513 | Progressive | 57 | June 12, 2024 | El Paso, TX | 79922 | Yes |
| $46 | $552 | Progressive | 56 | December 30, 2023 | El Paso, TX | 79930 | No |
| $48 | $581 | Commonwealth Insurance | 57 | April 2, 2024 | El Paso, TX | 79907 | No |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $375 | Safeco | 79 | October 1, 2023 | No | El Paso, TX | 79934 |
| $36 | $435 | Progressive | 40 | March 2, 2025 | No | El Paso, TX | 79930 |
| $39 | $473 | Progressive | 33 | March 10, 2025 | Yes | El Paso, TX | 79934 |
| $40 | $479 | Commonwealth Insurance | 36 | November 11, 2024 | No | El Paso, TX | 79907 |
| $40 | $479 | Commonwealth Insurance | 36 | November 21, 2024 | No | El Paso, TX | 79907 |
| $40 | $483 | Progressive | 35 | August 14, 2024 | No | El Paso, TX | 79912 |
| $41 | $491 | Progressive | 57 | April 2, 2024 | No | El Paso, TX | 79907 |
| $41 | $491 | Progressive | 42 | February 26, 2024 | No | El Paso, TX | 79912 |
| $41 | $493 | Progressive | 35 | March 13, 2024 | No | El Paso, TX | 79912 |
| $42 | $499 | Progressive | 41 | November 25, 2024 | No | El Paso, TX | 79925 |
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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $45 | $535 | Commonwealth Insurance | 30 | January 24, 2025 | El Paso, TX | 79924 |
| <550 | $51 | $617 | Aspen | 41 | October 1, 2024 | El Paso, TX | 79904 |
| <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 24, 2024 | El Paso, TX | 79915 |
| <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 | $63 | $761 | Commonwealth Insurance | 25 | February 10, 2025 | El Paso, TX | 79905 |
| <550 | $67 | $799 | Commonwealth Insurance | 26 | March 6, 2025 | El Paso, TX | 79925 |
| <550 | $68 | $815 | Progressive | 30 | March 11, 2024 | El Paso, TX | 79927 |
Cheapest car insurance for drivers with at-fault accidents in El Paso
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg 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 | $584 | Commonwealth Insurance | 36 | No | July 13, 2024 | El Paso, TX | 79915 |
| At Fault With No Injury | $49 | $589 | Progressive | 26 | No | February 14, 2025 | El Paso, TX | 79932 |
| At Fault With No Injury | $53 | $635 | Progressive | 36 | No | January 11, 2024 | El Paso, TX | 79915 |
Cheapest car insurance for drivers with speeding tickets in El Paso
|
Violation Summary
|
Avg Monthly Quote
|
Avg 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 under 15 | $55 | $665 | Commonwealth Insurance | 41 | March 9, 2025 | El Paso, TX | 79911 |
| Speeding under 15 | $57 | $681 | Bluefire | 41 | March 21, 2024 | El Paso, TX | 79911 |
| Speeding over 15 | $58 | $695 | Bluefire | 37 | December 2, 2024 | El Paso, TX | 79912 |
| Speeding over 15 | $60 | $719 | Progressive | 41 | February 19, 2024 | El Paso, TX | 79907 |
Cheapest car insurance for drivers with DUIs in El Paso
|
Violation Summary
|
Avg Monthly Quote
|
Avg 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 | $123 | $1,477 | Bluefire | 31 | October 11, 2023 | El Paso, TX | 79925 |
| DUI | $129 | $1,547 | Progressive | 30 | February 11, 2025 | El Paso, TX | 79934 |
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.
