Best Car Insurance in El Paso 2021

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Car insurance in El Paso Texas costs single-car drivers an average of $2,506 annually, or about $209 per month. Compared to the state annual average of $2,640, auto insurance in El Paso is $134 lower.
Here’s how much real Jerry customers pay for insurance in El Paso:

Real quotes for Jerry customers in El Paso, Texas

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
August 5, 2021Jeep Patriot SportTX28AllstateCustom$118/mo.$65/mo.
April 6, 2021Ford ExplorerTX21Commonwealth InsuranceBasic$195/mo.$84/mo.
August 17, 2021Ford Fusion SETX39MercuryCustom$211/mo.$104/mo.
July 16, 2021Toyota Tundra Crewmax SR5TX40ProgressiveCustom$143/mo.$110/mo.
August 17, 2021Ford Fusion SETX39ClearCoverCustom$211/mo.$149/mo.
The best way to secure the right plan for lower premiums in El Paso is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inEl Paso have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in El Paso, Texas

Insurance Company
Before Jerry
After Jerry
State Auto$1,800$778
Kemper$2,568$1,530
Allstate$2,530$1,603
Safeco$2,824$1,978
Travelers$2,879$2,033
Nationwide$2,938$2,073
National General$3,632$2,316
Dairyland$4,071$2,838

Minimum coverage car insurance in El Paso

On average, the cost of minimum coverage car insurance in El Paso is $2,207 per year, or $184 per month.

The minimum level of car insurance required in El Paso is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in El Paso:
Before Jerry
After Jerry
$1,442$982
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$2,014$826
Progressive$2,465$1,165
Kemper$2,084$1,484
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Full coverage car insurance in El Paso

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in El Paso:
Before Jerry
After Jerry
$2,280$1,809
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,760$1,986
Travelers$2,760$2,028
Allstate$3,600$3,192
Progressive$3,696$3,306
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How does your age affect your auto insurance cost in El Paso?

If you’re a driver under 25 in El Paso, you could be paying as much as $21 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in El Paso saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$2,949$2,063
21-24$2,712$1,826
On the contrary, here’s how much drivers aged 25 and over in El Paso pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,311$1,586
35-44$2,905$1,722
45-54$2,516$1,405
55-64$1,890$1,151
65+$2,760$2,115

Cheapest car insurance for drivers in El Paso with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in El Paso saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,228$1,034
Driving on Sus. License$2,100$756
Suspension$2,100$756
Failure to Obey Traffic Sign$984$792
Speeding under 15$3,174$1,274
Defective Equipment$4,548$1,628
Careless Driving$2,880$1,752
Here’s how much drivers with a bad driving record in [El Paso saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Kemper$1,442$1,046
Safeco$1,924$1,280
Progressive$2,799$1,826
Allstate$2,772$1,827
Nationwide$2,548$1,879
Travelers$3,140$2,072
Dairyland$4,200$3,456

Cheapest car insurance for young drivers in El Paso with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,170$1,119
Defective Equipment$4,548$1,628
Speeding under 15$4,548$1,628
Careless Driving$2,880$1,752
Here’s how much young drivers with a bad driving record in [El Paso saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Kemper$1,296$978
Safeco$2,468$1,318
Allstate$2,826$1,826
Progressive$3,457$2,355
Travelers$3,000$2,787
Dairyland$4,200$3,456
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How can you save money on car insurance in El Paso

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of El Paso you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
September 18, 2020Dodge Challenger R/TTX24SafecoCustom$242/mo.$94/mo.
May 6, 2021Kia Optima LXTX26KemperBasic$175/mo.$56/mo.
April 6, 2021Ford ExplorerTX21Commonwealth InsuranceBasic$195/mo.$84/mo.
August 17, 2021Ford Fusion SETX39MercuryCustom$211/mo.$104/mo.
March 10, 2021Dodge Avenger SXTTX28
Ready Insurance
Predicted$145/mo.$70/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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