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Best cheap car insurance in El Paso for 2025
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The best car insurance companies in El Paso
To find the best car insurance companies for drivers in El Paso, Bankrate’s insurance editorial team started by analyzing the latest rate data available from Quadrant Information Services. We also looked at customer satisfaction scores from J.D. Power’s auto insurance studies, financial strength ratings from AM Best and the breadth of coverage, discounts and digital tools companies offer. Each insurer was assigned a Bankrate Score on a five-point scale to quickly capture its strengths — and weaknesses — for drivers in Texas.
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Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in El Paso
According to our research, the three cheapest car insurance companies in El Paso are Geico, Mercury and USAA, with Geico customers paying just $37 per month for minimum coverage. To help broaden your search for cheap car insurance in El Paso, we’ve included more cheap Texas auto insurers in the table below.
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|---|---|---|
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$439
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$1,780
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$516
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$1,813
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$545
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$1,961
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$449
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$1,961
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$562
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$2,050
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How much is car insurance in El Paso, Texas?
On average, drivers in El Paso, Texas pay $2,490 per year for full coverage and $642 for state minimum coverage. By comparison, the Texas state average is $2,608 per year for full coverage, and the national average rate is $2,692 per year. In other words, El Paso residents pay 5 percent less for car insurance, on average, than other Texans.
El Paso rates for teens
Teens in El Paso pay higher rates due to lack of driving experience and a statistically increased risk of accidents and insurance claims. An 18-year-old El Paso driver on their own policy pays 174 percent more per year for full coverage than the average adult driver, and 223 percent more for state minimum coverage. To avoid impractically high rates, it’s best for teen drivers to stay on their parents’ policy until they move to a separate permanent address. Average annual rates for an 18-year-old on their parents’ full coverage policy are just $4,508, compared to $6,829 per year for a standalone policy.
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$1,092
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$1,006
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$1,092
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$902
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$1,128
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$1,056
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$1,221
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$896
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$1,448
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$1,453
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El Paso rates for young drivers
While rates tend to stabilize once drivers reach their 20s, young adults in El Paso still pay higher premiums for auto insurance compared to middle-aged adults. A 25-year-old El Paso driver pays $3,214 per year for full coverage, on average. That’s 26 percent more than a 35-year-old driver, but 24 percent less than a 21-year-old driver.
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$1,027
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$531
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$1,076
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$582
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$1,098
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$631
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$1,279
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$648
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$1,701
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$1,082
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El Paso rates for adults
In adulthood, El Paso car insurance rates typically trend lower as long as drivers maintain a clean driving record. Average full coverage rates for a 30-year-old driver are $2,687 per year, but you can expect to pay 13 percent less, on average, when you reach your 50s.
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$442
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$439
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$423
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$502
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$449
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$436
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$540
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$545
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$532
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$548
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$516
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$489
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$555
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$562
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$525
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El Paso rates for senior drivers
Seniors typically pay the lowest rates for auto insurance in El Paso, with 60-year-olds paying 10 percent less and 70-year-olds paying 3 percent less than the citywide average for adult drivers. But keep in mind that a few factors impact auto insurance rates for seniors: first, your individual driving record could raise or lower your rates, and second, seniors over age 70 may start to see rates climb again due to a higher chance of serious injury.
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$399
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$505
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$411
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$510
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$493
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$621
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$508
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$555
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$515
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$609
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The cheapest car insurance in El Paso by driving record
A good driving record is key to keeping low-cost auto insurance in El Paso, TX, as your individual driving record is one of the biggest rating factors that impact the cost of your car insurance in El Paso. While drivers with clean records pay an average of $2,490 per year for full coverage, your actual rates could be higher if you have a violation or at-fault accident in your driving history, particularly if it’s from the last three to five years. Marks on your driving record indicate a higher risk of claims, so insurance companies charge more for these drivers.
Car insurance with a speeding ticket in El Paso
El Paso drivers with a Texas speeding ticket conviction pay 12 percent more for full coverage than drivers with clean records. On average, car insurance after a speeding ticket costs $2,777 per year for full coverage and $717 per year for state minimum coverage in El Paso.
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$483
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$1,980
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$581
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$2,053
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$603
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$2,620
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$625
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$2,167
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$637
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$2,651
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Car insurance after an accident in El Paso
If you’ve been found at fault in an auto accident in El Paso, expect your rates to go up at your next policy renewal. According to our research, El Paso drivers with a single at-fault accident on their driving record pay approximately 52 percent more for full coverage than the citywide average for drivers with clean records.
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|---|---|---|
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$603
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$2,429
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$708
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$2,363
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$862
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$2,871
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$884
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$3,159
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$926
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$3,576
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Car insurance after a DUI in El Paso
A DUI is a serious moving violation that carries fines up to $2,000 and possible jail time up to 180 days for a first conviction. Multiple convictions can impose even greater penalties, including possible felony charges — and any conviction for driving while intoxicated (DWI) will raise your auto insurance rates. On average, El Paso drivers with a single DUI conviction pay $3,884 per year for full coverage — 70 percent more than the citywide average.
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$650
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$2,403
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$670
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$2,516
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$752
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$3,276
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$998
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$3,362
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$1,224
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$4,663
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Minimum coverage requirements in El Paso
In Texas, all drivers must carry at least the following minimum car insurance:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Your insurance company must also offer two additional forms of coverage: uninsured/underinsured motorist coverage and personal injury protection (PIP). Most insurance professionals recommend accepting this coverage, as it provides valuable financial protection in the event of an accident, but you can reject it in writing without violating Texas insurance laws.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
