is known by many names—“Sun City,” “the City of the 915,” “El Chuco”—no matter how you know it, El Paso is a city known for its vibrant culture, stunning landscapes, and surprisingly low cost of living.

El Paso Car Insurance: Quick Facts

El Paso drivers pay an average of $188/month for full coverage insurance.

El Paso drivers pay an everage of $70/month for the state minimum.

Texas state law requires drivers to carry 30/60/25 in liability coverage.

Though the city is sheltered from many of the severe weather events affecting the Texas coast, El Paso is still infamous for violent thunderstorms that can bring hail, high winds, and flash floods. Coupled with its rapidly growing population and increasing population density, this can make finding affordable

car insurance

a greater challenge now than in years past.

Despite these challenges, El Paso is still a fairly affordable place to shop for car insurance, with most drivers paying an average of just $2,258 per year for

full coverage car insurance

. But if you know where (and how) to look, you can find quality coverage far below the average cost.

How much does car insurance cost in El Paso, TX?

Drivers in El Paso should expect to pay an average of $2,258 per year or $188 per month for a full coverage policy. Opting for a state minimum policy will cost an average of $920 per year or $77 per month.

Overall, car insurance in El Paso is less expensive than both the state and national average.

Coverage type	El Paso	Texas	United States
Full coverage	$2,258	$3,151	$3,183
Minimum coverage	$920	$1,271	$1,373

Learn more:

The average cost of car insurance in the US

But

car insurance quotes

are highly individualized and

based on unique factors

, like your driving history, age, and credit score. That’s why what you pay for insurance may be much more or less than what your neighbor pays.

To find out what you should expect to pay for car insurance in El Paso, use the

Jerry

app to compare real quotes from top providers based on your unique driving profile.

Once you’ve found the quote that works best with your insurance needs and budget, just tap “Confirm your rate” to complete your final application and bind your new policy right in the app.

The whole process—from quoting to receiving your insurance cards—typically takes between one and three hours.

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Estimate your El Paso, TX car insurance costs

Car insurance companies consider several factors when calculating insurance premiums. The most important include:

Driver age and experience

Driving record

Vehicle type

Credit history

ZIP code

Let’s take a closer look at each of these factors to see if you could be overpaying for car insurance in El Paso.

Age and experience

Driving is a skill—like any skill, the more practice you have, the better you’ll tend to be. That’s why

teen drivers

and younger drivers tend to pay much more for car insurance than older, more experienced motorists.

El Paso drivers between the ages of 55 and 64 see the lowest rates, thanks to years of experience behind the wheel.

Senior drivers

65 and over, though, may see a slight increase in rates due to overall changes in health and slowing reflexes.

Age group	Average full coverage premium
18-21	$3,195
22-25	$1,736
26-34	$1,424
35-44	$1,178
45-54	$1,111
55-64	$875
65+	$990

Pro Tip: Taking a defensive driving course or opting for usage-based telematics policies to track and reward good driving habits can help combat the increased costs of insuring a teen or new driver.

Thankfully, most drivers see their rates begin to drop around the age of 25 and continue falling after that. To continue to save on car insurance as a teen, consider sharing a policy with members of your household or shopping for student discounts.

Driving record

One of the simplest ways to ensure cheap car insurance options in El Paso is to keep a

clean driving record

. You might not see a major increase from a single speeding ticket or other minor infraction, but repeat offenses, at-fault accidents, and major violations can lead to years of higher car insurance rates.

Coverage type	Clean driving record	Violations
Full coverage	$1,377	$1,444
Minimum coverage	$480	$517

Keep in mind that major violations, like DUIs and reckless driving can lead to

SR-22 filing requirements

—which is a signal to insurance providers that you’re a high-risk driver.

Check out the table below to see how different violations could impact your rate.

Violation	Average annual premium
Improper Passing	$12,626
Cell Phone	$4,380
Other	$4,242
Speeding under 15	$4,230
DUI	$3,975

Vehicle type

The type of vehicle you drive can affect both the amount of damage you may cause in an accident, and how much it will cost to repair your car. That’s why what you drive is such a big determining factor for both liability and collision or comprehensive policies.

Full size SUVs and heavy-duty pickups, and luxury vehicles tend to cost the most to insure. Midsize and small SUVs and crossovers are typically the most affordable options for insurance.

The table below compares average insurance costs for the 10 most popular vehicles in Texas, according to 2022 data from the Division of Motor Vehicles.

Model	Average annual full coverage premium
Ford F-150	$1,824
Chevrolet Silverado	$1,992
Subaru Outback	$1,620
Toyota Tacoma	$1,776
Jeep Grand Cherokee	$2,040
Toyota 4Runner	$1,776
Subaru Forester	$1,632
Toyota RAV4	$1,824
Honda CR-V	$1,764
GMC Sierra	$1,776

Credit history

Texas is one of 47 states that permit auto insurance companies to use consumer credit information to set insurance rates. According to a recent study by the

Consumer Federation of America (CFA)

, Texas drivers with poor credit scores pay 126% more for the same coverage than those with excellent credit.

In order to keep your car insurance rates low, maintain a good credit history, and pay on time or in full to earn specific payment discounts.

ZIP code

Your zip code can have a significant effect on your insurance rates, especially if you live and garage your vehicle in an area known for high property crime rates or high accident rates.

The 5 most expensive ZIP codes in El Paso, TX

Zip code	Average monthly premium
79922	$303
79901	$297
78232	$285
79934	$262
79908	$252

The 5 cheapest ZIP codes in El Paso, TX

Zip code	Average monthly premium
79916	$71
79931	$138
79911	$139
79903	$171
79902	$174

Find the best car insurance companies in El Paso, TX

Of course, one of the biggest factors in the cost of your El Paso auto insurance policy is the company providing it. The table below compares average rates for full coverage with seven of El Paso’s most popular insurance providers.

Insurance company	Average full coverage premium
Safeco	$999
Progressive	$1,411
Allstate	$1,418
State Farm	$1,495
GEICO	$1,585
USAA	$1,709
Nationwide	$1,742

Why is car insurance so expensive in El Paso?

El Paso’s car insurance rates are typically well below both the state and national averages—but that doesn’t mean it’s not a big expense. Here are some of the key factors driving up auto insurance rates in El Paso:

High number of accidents: El Paso’s proximity to the U.S.–Mexico border means lots of cross-border traffic, which can increase the risk of car accidents. More accidents can result in more insurance claims, which leads to higher costs for coverage.

Extreme weather: Though its inland location shields El Paso from the bulk of hurricane and tropical storm damage, the city and surrounding areas are prone to flash flooding, hailstorms, and tornadoes. Increased claims for weather-related vehicle damage can increase the overall cost for insurance, especially comprehensive coverage.

Uninsured motorists: According to data from the Insurance Information Institute, 8.3% of Texas drivers don’t carry even state minimum liability insurance, driving up auto insurance rates for everyone else.

Urban density: El Paso packs nearly 700,000 residents into just 257 square miles, leading to a population density that nearly matches that of Fort Worth. Especially during rush hours, this leads to increased chances for traffic accidents and claims, which means higher insurance rates for El Paso residents inside the city limits.

Auto insurance requirements for El Paso, TX

Texas car insurance laws

dictate that all drivers must purchase at least the following minimum auto insurance coverage:

$30,000

bodily injury liability

per person

$60,000 bodily injury liability per accident

$25,000

property damage liability

For most drivers, Texas’s minimum coverage requirements aren’t enough. Given El Paso’s dense population and severe weather, choosing a car insurance policy that includes both collision and comprehensive coverage and increased liability limits is the only move that makes sense.

Cheapest car insurance companies in El Paso, TX

Increased liability limits: Raising liability limits to at least $100k/$300k/$100k may only increase your premiums by a few dollars a month, but the protection from lawsuits it affords if you cause an accident is priceless.

Collision insurance: Regardless of whether you’re at-fault in an accident, pays to repair or replace your vehicle after a collision with another vehicle or stationary object.

Comprehensive insurance:

Comprehensive coverage

pays to repair or replace your vehicle following a non-collision event, like floods, hail, theft, or vandalism.

While higher liability limits and collision and comprehensive coverage are a must, you should also consider adding the following optional coverages to your policy:

Uninsured/underinsured motorist coverage:

If you’re in an accident caused by a driver with no insurance or not enough coverage, this coverage can kick in to cover your medical bills. This coverage is included automatically in all Texas car insurance policies unless you reject it in writing.

Personal injury protection (PIP):

This no-fault coverage pays for medical bills, funeral expenses, lost wages, and more for you and your family or passengers. Like UM/UIM, it’s included automatically in Texas car insurance policies but can be rejected.

Medical payments (MedPay):

Another way to cover your medical costs. MedPay pays for medical bills for you and your passengers regardless of who’s at fault in an accident.

Rental reimbursement:

When you add comprehensive or collision coverage to your policy, you’ll likely get the option to include rental reimbursement coverage, which can help cover the cost of alternative transportation while your vehicle is in the shop for repairs following a covered accident.

Towing and labor coverage:

This optional add-on gets the help you need when you’re stuck on the side of the road without the hefty cost of a separate auto club subscription.

FAQs

Who has the cheapest car insurance in Texas?

Safeco has the cheapest car insurance rates in Texas for many drivers, but it’s not the only company offering affordable rates. Depending on your driver profile, you could also find cheap auto insurance quotes with carriers like State Farm, Allstate, Progressive, or GEICO.

How much is car insurance in El Paso?

Drivers in El Paso should expect to pay an average of $1,199 per year or $100 per month for a full coverage policy. Opting for a state minimum policy will cost an average of $416 per year or $35 per month.

Who has the highest auto insurance rates?

Drivers with poor driving histories and bad credit will pay the highest individual rates. When it comes to overall averages, drivers in New York and Louisiana pay the highest rates at around $3,077 and $2,516 per year, respectively.

How can I find the cheapest car insurance?

The best way to find the cheapest car insurance is to work with a trusted car insurance broker. Unlike insurance agents, who work for insurance companies, brokers work for consumers and can find a wider range of quotes to get you the lowest price.

Is Texas car insurance expensive?

Texas car insurance is not as expensive as car insurance in many other states. U.S. drivers pay an average of $1,790 for a full coverage policy, but drivers in Texas pay about $1,199.

Can I drive without car insurance in Texas?

No, driving without insurance is illegal in the State of Texas. If you’re caught driving without insurance you could face fines up to $1,000 depending on whether it’s your first offense, as well as license suspension and vehicle impoundment.

How does the Jerry app work?

Jerry is a licensed insurance broker that offers affordable car insurance quote comparison through a mobile app. When you download the app, you’ll be prompted to build a driver profile, which Jerry uses to pull real car insurance quotes from insurers in your area. The Jerry app is free to use and makes money through commissions from insurance companies.

Meet our experts

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Amy Bobinger

Licensed Insurance Agent — Expert Insurance Editor

Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.

Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.