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 and $60,000 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
|
|---|---|---|---|---|---|---|
| $32 | $387 | Progressive | 38 | December 16, 2024 | El Paso, TX | 79938 |
| $40 | $479 | Commonwealth Insurance | 35 | November 11, 2024 | El Paso, TX | 79907 |
| $40 | $479 | Commonwealth Insurance | 35 | November 21, 2024 | El Paso, TX | 79907 |
| $40 | $483 | Progressive | 34 | August 14, 2024 | El Paso, TX | 79912 |
| $41 | $491 | Progressive | 56 | April 2, 2024 | El Paso, TX | 79907 |
| $41 | $491 | Progressive | 41 | February 26, 2024 | El Paso, TX | 79912 |
| $41 | $493 | Progressive | 34 | March 13, 2024 | El Paso, TX | 79912 |
| $42 | $499 | Progressive | 40 | November 25, 2024 | El Paso, TX | 79925 |
| $42 | $507 | Progressive | 32 | July 27, 2024 | El Paso, TX | 79912 |
| $42 | $509 | Progressive | 32 | December 26, 2024 | El Paso, TX | 79912 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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 a coyote 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
|
|---|---|---|---|---|---|---|
| $43 | $513 | Progressive | 56 | June 12, 2024 | El Paso, TX | 79922 |
| $47 | $565 | Progressive | 48 | June 13, 2024 | El Paso, TX | 79902 |
| $48 | $575 | Progressive | 34 | May 29, 2024 | El Paso, TX | 79927 |
| $48 | $581 | Progressive | 65 | April 30, 2024 | El Paso, TX | 79934 |
| $53 | $633 | Progressive | 27 | November 16, 2024 | El Paso, TX | 79938 |
| $53 | $641 | Bristol West | 35 | November 20, 2024 | El Paso, TX | 79924 |
| $55 | $663 | Progressive | 50 | April 29, 2024 | El Paso, TX | 79938 |
| $60 | $725 | Progressive | 29 | January 2, 2025 | El Paso, TX | 79904 |
| $64 | $769 | Progressive | 50 | July 11, 2024 | El Paso, TX | 79936 |
| $66 | $789 | Progressive | 63 | December 31, 2024 | El Paso, TX | 79915 |
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
|
|---|---|---|---|---|---|---|---|
| $53 | $633 | Progressive | 27 | Yes | November 16, 2024 | El Paso, TX | 79938 |
| $57 | $679 | Commonwealth Insurance | 27 | No | July 28, 2024 | El Paso, TX | 79932 |
| $58 | $698 | Commonwealth Insurance | 25 | No | September 25, 2024 | El Paso, TX | 79915 |
| $58 | $698 | Commonwealth Insurance | 25 | No | September 25, 2024 | El Paso, TX | 79915 |
| $58 | $698 | Commonwealth Insurance | 25 | 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
|
|---|---|---|---|---|---|---|---|
| $32 | $387 | Progressive | 38 | No | December 16, 2024 | El Paso, TX | 79938 |
| $40 | $479 | Commonwealth Insurance | 35 | No | November 11, 2024 | El Paso, TX | 79907 |
| $40 | $479 | Commonwealth Insurance | 35 | No | November 21, 2024 | El Paso, TX | 79907 |
| $40 | $483 | Progressive | 34 | No | August 14, 2024 | El Paso, TX | 79912 |
| $41 | $491 | Progressive | 41 | No | February 26, 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
|
|---|---|---|---|---|---|---|---|
| $41 | $491 | Progressive | 56 | April 2, 2024 | El Paso, TX | 79907 | No |
| $43 | $513 | Progressive | 56 | June 12, 2024 | El Paso, TX | 79922 | Yes |
| $48 | $581 | Commonwealth Insurance | 56 | April 2, 2024 | El Paso, TX | 79907 | No |
| $48 | $581 | Progressive | 65 | April 30, 2024 | El Paso, TX | 79934 | Yes |
| $49 | $584 | Bristol West | 59 | April 24, 2024 | El Paso, TX | 79912 | 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
|
|---|---|---|---|---|---|---|---|
| $32 | $387 | Progressive | 38 | December 16, 2024 | No | El Paso, TX | 79938 |
| $40 | $479 | Commonwealth Insurance | 35 | November 21, 2024 | No | El Paso, TX | 79907 |
| $40 | $479 | Commonwealth Insurance | 35 | November 11, 2024 | No | El Paso, TX | 79907 |
| $40 | $483 | Progressive | 34 | August 14, 2024 | No | El Paso, TX | 79912 |
| $41 | $491 | Progressive | 56 | April 2, 2024 | No | El Paso, TX | 79907 |
| $41 | $491 | Progressive | 41 | February 26, 2024 | No | El Paso, TX | 79912 |
| $41 | $493 | Progressive | 34 | March 13, 2024 | No | El Paso, TX | 79912 |
| $42 | $499 | Progressive | 40 | November 25, 2024 | No | El Paso, TX | 79925 |
| $42 | $507 | Progressive | 32 | July 27, 2024 | No | El Paso, TX | 79912 |
| $42 | $509 | Progressive | 32 | December 26, 2024 | No | El Paso, TX | 79912 |
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 | $49 | $587 | Commonwealth Insurance | 47 | July 11, 2024 | El Paso, TX | 79903 |
| <550 | $50 | $603 | Commonwealth Insurance | 49 | December 21, 2024 | El Paso, TX | 79928 |
| <550 | $51 | $617 | Aspen | 40 | October 1, 2024 | El Paso, TX | 79904 |
| <550 | $54 | $649 | Commonwealth Insurance | 34 | August 20, 2024 | El Paso, TX | 79924 |
| <550 | $58 | $698 | Commonwealth Insurance | 25 | September 25, 2024 | El Paso, TX | 79915 |
| <550 | $58 | $698 | Commonwealth Insurance | 25 | September 24, 2024 | El Paso, TX | 79915 |
| <550 | $58 | $698 | Commonwealth Insurance | 25 | September 25, 2024 | El Paso, TX | 79915 |
| <550 | $58 | $698 | Commonwealth Insurance | 25 | September 25, 2024 | El Paso, TX | 79915 |
| <550 | $61 | $738 | Commonwealth Insurance | 36 | April 1, 2024 | El Paso, TX | 79930 |
| <550 | $66 | $789 | Progressive | 63 | December 31, 2024 | El Paso, TX | 79915 |
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 | $45 | $541 | Progressive | 32 | No | April 24, 2024 | El Paso, TX | 79936 |
| At Fault With No Injury | $49 | $584 | Commonwealth Insurance | 35 | No | July 13, 2024 | El Paso, TX | 79915 |
| At Fault With No Injury | $53 | $635 | Progressive | 35 | No | January 11, 2024 | El Paso, TX | 79915 |
| At Fault With No Injury | $53 | $638 | Safeco | 35 | No | January 24, 2024 | El Paso, TX | 79902 |
| At Fault With No Injury | $55 | $663 | Progressive | 50 | Yes | April 29, 2024 | El Paso, TX | 79938 |
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 under 15 | $57 | $681 | Bluefire | 40 | March 21, 2024 | El Paso, TX | 79911 |
| Speeding under 15 | $57 | $681 | Bluefire | 40 | March 21, 2024 | El Paso, TX | 79911 |
| Speeding over 15 | $58 | $695 | Bluefire | 36 | December 2, 2024 | El Paso, TX | 79912 |
| Speeding over 15 | $60 | $719 | Progressive | 40 | February 19, 2024 | El Paso, TX | 79907 |
| Speeding under 15 | $61 | $729 | Commonwealth Insurance | 40 | March 21, 2024 | El Paso, TX | 79911 |
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 | 34 | October 26, 2024 | El Paso, TX | 79936 |
| DUI | $92 | $1,110 | Progressive | 29 | June 23, 2024 | El Paso, TX | 79904 |
| DUI | $121 | $1,449 | Progressive | 30 | October 6, 2024 | El Paso, TX | 79925 |
| DUI | $243 | $2,911 | Gainsco | 30 | April 15, 2024 | El Paso, TX | 79925 |
| DUI | $251 | $3,006 | Dairyland | 30 | April 15, 2024 | El Paso, TX | 79925 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
