The Cheapest Auto Insurance in El Paso, Texas, in 2026
State Farm offers the lowest average monthly car insurance rate in El Paso, Texas, at around $50 per month.
Secure. Free. Easy-to-use.
4.6 / 5733 reviews
Been here before? Get your quotes back.
)
Written byAmy Beardsley
)
Amy BeardsleyInsurance Writer
)
Edited byLequita Westbrooks
)
Lequita WestbrooksSenior Editor
)
Reviewed byDavid C. Marlett, Ph.D., CPCU
)
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
If you’re driving in El Paso, you’re looking at an average of $146 per month for car insurance. El Paso’s exposure to risks such as extreme heat, drought conditions, and occasional flooding contributes to the city’s higher car insurance rates.[1]
But when comparing auto insurance, you’ll likely notice that some insurers offer much lower rates. State Farm, for instance, has the cheapest average monthly premiums, at just $50.
This guide explores cheap car insurance in El Paso and how to compare insurers to find the best deal.
Key Takeaways
State Farm offers the cheapest auto policies in El Paso, at $50 per month, though premiums vary based on personal factors.
El Paso drivers pay $98 per month for liability coverage, while full coverage costs $193 per month.
USAA, GEICO, and State Farm are our top picks for El Paso car insurance.
The Best Auto Insurance Companies in El Paso
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
3.9
A solid option in El Paso, TXBased on 182 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 71 USAA reviews
Verified Review
Reviewed in Arizona on June 16, 2026
I have had USAA insurance policies since 1967 and continue to have USAA insurance because it has been there for me for all these years. USAA stood by me and my family in 1992 when I lost my car and home to Hurricane Andrew. USAA has always been there for me in my moments of need.
Verified Review
Reviewed in Arizona on May 22, 2026
The prices are higher than others I have checked.
Verified Review
Reviewed in Maryland on April 3, 2026
USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
710
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA caters perfectly to the nearly 70,000 military personnel and family members in the El Paso area. With this service-focused insurer, you’ll find military discounts that offer up to 60% savings during deployment, 15% for on-base residents, and additional discounts for low mileage.
Plus, USAA policies are available nationwide, so you can keep your coverage if you relocate to another base.
Pros
Flexible deployment policies
Many military-specific discounts
Highly rated customer service[2]
Cons
Only serves the military community
Limited number of physical locations
Fewer coverage options than competitors
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
4.0
Best choice in El Paso, TXBased on 748 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing 3 Texas reviews for El Paso driversSee all 283 GEICO reviews
Verified Review
Reviewed in Texas on June 20, 2026
I have had no problem with Geico. They have been friendly and very helpful.
Verified Review
Reviewed in Texas on June 19, 2026
The price is $300 a month, which is crazy. Please drop the price, or I'll look elsewhere.
Verified Review
Reviewed in Texas on March 7, 2026
They are good. They provide clear pricing and don't hide anything. They don't charge crazy high prices.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
If you have a daily commute, GEICO has your back. El Paso drivers average 24 minutes of drive time to get to work, according to the U.S. Census Bureau. GEICO’s roadside assistance and mechanical breakdown coverage jump into action if you have car trouble. Plus, the DriveEasy program turns your safe driving habits into real savings.
Pros
Forgives your first accident
Rental car reimbursement available
Stacks discounts to maximize savings
Cons
Gap coverage not available
Potentially pricey for drivers with tickets or accidents
Limited network of local agents
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
4.0
Best choice in El Paso, TXBased on 881 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing 5 Texas reviews for El Paso driversSee all 336 State Farm reviews
Verified Review
Reviewed in Texas on May 14, 2026
I've found that on my new lease, the price has gone up considerably.
Verified Review
Reviewed in Texas on May 13, 2026
Too costly for senior drivers who don't drive much, are on low income, have older cars, and only need state-mandated coverage with no tickets against them. Auto insurance companies need to offer affordable insurance.
Verified Review
Reviewed in Texas on May 9, 2026
I am satisfied with the quality of service that I have received during these last 6 years with my insurance company.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm believes in second chances for El Paso drivers. The company’s Drive Safe & Save program rewards improving driving habits, while defensive driving courses unlock immediate savings.
You can also opt for rideshare coverage and get generous car rental reimbursement through the insurer. And with local insurance agents who understand your situation, State Farm makes bouncing back easier.
Pros
Cheap rates for drivers with spotty record
Strong local agent network
Roadside service available
Cons
Mixed customer ratings
Gap coverage not available
Teens may pay higher rates
Find the Best Company for You
Compare personalized quotes and get the policy that best fits your needs.
Excellent
4.6 out of 5 based on 733 reviews
Secure. Free. Easy-to-use.
The Cheapest Car Insurance Quotes in El Paso
Don’t let El Paso’s average rates discourage you. Plenty of insurers offer car insurance policies priced well below the citywide average. Our research uncovered several wallet-friendly options for drivers in the Sun City.
Below is a comparison of five of the most affordable liability car insurance companies in El Paso, according to Compare.com data.
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.
How Much Car Insurance Do You Need in El Paso?
)
The state of Texas requires you to have an auto insurance policy that meets the state-minimum car insurance requirements of 30/60/25.[3] This means you need at least:
$30,000 in bodily injury coverage per person
$60,000 in bodily injury coverage per accident
$25,000 in property damage coverage
You may also want to consider uninsured/underinsured motorist coverage. This add-on protects you if you get in an accident with a driver with no insurance or too little coverage. It’s a smart option since 20% of Texas drivers don’t have an auto policy, according to the Texas Department of Motor Vehicles (DMV).[4]
You can learn more about optional coverages in the Texas insurance guide.
Should you buy full-coverage insurance in El Paso?
It’s a good idea for El Paso drivers to consider full-coverage car insurance. A full-coverage policy generally includes liability, collision, and comprehensive coverage. But it can also include other coverages, such as personal injury protection (PIP) and medical payments (MedPay).
Essentially, it helps pay for your and others’ car damages. Most drivers should consider it, and most lenders require it if you lease or finance your car. If you own an older, low-value car or can cover your car’s repairs, you may be able to skip it altogether.
You’re all set from a legal standpoint when you meet Texas’ minimum liability requirements. That said, many El Paso drivers choose optional coverages to better protect themselves and their vehicles.
Depending on your car and budget, the following add-ons may be worth considering:
Collision coverage helps pay for damage to your car after an accident, regardless of fault.
Comprehensive coverage pays for non-collision damage, like theft, vandalism, fire, or weather-related events.
Uninsured/underinsured motorist coverage helps if you’re hit by a driver with little or no insurance.
Medical payments coverage pays for medical expenses for you and your passengers after an accident.
Estimated Cost: $186 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.6% |
| $115 | 6.7% |
| $134 | 7.9% |
| $152 | 8.4% |
| $171 | 8.0% |
| $190 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $246 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.2% |
| $320 | 3.5% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.4% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1296 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Car Insurance in El Paso by Driver and Coverage Type
You could easily pay a different price for the same auto policy as your neighbor in El Paso. That’s because insurers price coverage based on a variety of factors, including your ZIP code, age, driving history, credit, and more.
Looking at average rates for drivers with similar profiles gives you an idea of what drivers like you pay, and it can help you identify companies with more affordable prices.
The table below highlights the cheapest insurer for El Paso drivers with different coverages, driving records, and credit profiles, based on our research.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DUI | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Cheapest liability-only coverage in El Paso: State Farm
Your choice of coverage directly shapes your premium costs. Basic liability insurance — which covers injuries and damage you cause to other drivers and their property — is the most affordable way to meet Texas’s minimum car insurance requirements.
The average cost of minimum coverage in El Paso is $98 per month.
To see which El Paso insurers offer the most competitive liability-only insurance rates, take a look at our findings in the chart below. These companies are great choices if you’re looking for the cheapest possible car insurance.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $50 |
| Allstate | $70 |
| Progressive | $71 |
| Mile Auto | $73 |
| GEICO | $79 |
| USAA | $88 |
| Mercury | $97 |
| First Acceptance | $98 |
| The General | $101 |
| Alinsco | $103 |
| Lone Star | $105 |
| GAINSCO | $109 |
| Commonwealth Casualty | $110 |
| Clearcover | $112 |
| Bristol West | $113 |
| Covercube | $113 |
| Root | $115 |
| Dairyland | $116 |
| Mendota | $119 |
| AssuranceAmerica | $120 |
| Sun Coast | $122 |
| Excepsure | $123 |
| Safeco | $126 |
| Direct Auto | $127 |
| National General | $132 |
| Loop | $133 |
| Elephant | $134 |
| Chubb | $150 |
| Trexis One | $156 |
| Insurify Car | $172 |
| 21st Century | $173 |
| Hugo | $180 |
| Liberty Mutual | $207 |
| Foremost | $245 |
Cheapest full coverage: State Farm
Full coverage is the best choice if you’re looking for total protection for your vehicle. It includes liability protection but tacks on collision and comprehensive insurance, too. This way, your car insurance policy covers everything from fender benders to storm damage.
A full-coverage policy will cost more than basic liability, but imagine paying for repairs or replacement costs without it. The average cost for full coverage in El Paso is $193 per month.
We found the following companies have the cheapest full-coverage car insurance in El Paso, on average.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $97 |
| Progressive | $127 |
| Allstate | $138 |
| Mercury | $158 |
| Mile Auto | $158 |
| GEICO | $168 |
| USAA | $174 |
| Safeco | $186 |
| Root | $190 |
| Clearcover | $196 |
| Direct Auto | $203 |
| Alinsco | $205 |
| Elephant | $208 |
| GAINSCO | $210 |
| Bristol West | $221 |
| National General | $221 |
| The General | $223 |
| AssuranceAmerica | $226 |
| Mendota | $232 |
| Commonwealth Casualty | $242 |
| First Acceptance | $243 |
| Sun Coast | $243 |
| Lone Star | $248 |
| Loop | $249 |
| Covercube | $257 |
| Dairyland | $273 |
| Chubb | $296 |
| Liberty Mutual | $302 |
| Trexis One | $316 |
| 21st Century | $342 |
| Foremost | $493 |
Compare Real-Time Car Insurance Quotes in El Paso
Rates in El Paso start at $50 per month.
Excellent
4.6 out of 5 based on 733 reviews
Secure. Free. Easy-to-use.
Cheapest after a speeding ticket: State Farm
A speeding ticket stings twice — first with the fine, and then with higher car insurance rates. Nationwide, we found that drivers deal with average premium jumps of 27% after just one ticket.
In El Paso, drivers with a ticket on their record pay around $183 per month for coverage, according to our data.
Check out the chart below to see the cheapest insurers for El Paso drivers with a recent speeding ticket, according to our data.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| State Farm | $63 |
| Mile Auto | $88 |
| Progressive | $89 |
| Allstate | $91 |
| GEICO | $104 |
| USAA | $114 |
| First Acceptance | $123 |
| Alinsco | $129 |
| GAINSCO | $131 |
| Commonwealth Casualty | $131 |
| Lone Star | $132 |
| Mercury | $134 |
| The General | $136 |
| Root | $137 |
| Covercube | $142 |
| Bristol West | $143 |
| Clearcover | $143 |
| Dairyland | $144 |
| Mendota | $149 |
| Sun Coast | $153 |
| AssuranceAmerica | $153 |
| Excepsure | $154 |
| Direct Auto | $160 |
| Elephant | $163 |
| National General | $165 |
| Safeco | $165 |
| Loop | $167 |
| Chubb | $191 |
| Trexis One | $196 |
| Insurify Car | $216 |
| 21st Century | $228 |
| Hugo | $230 |
| Liberty Mutual | $264 |
Cheapest after an accident: State Farm
A fender bender affects more than your car — it also drives up your insurance bill. Across the country, our findings indicate accidents trigger a 33% rate increase.
El Paso drivers can expect monthly quotes close to $194 if they have a recent at-fault accident. The chart below shows the cheapest options for El Paso drivers with a recent accident, according to our research.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| State Farm | $67 |
| Progressive | $94 |
| Allstate | $94 |
| Mile Auto | $99 |
| GEICO | $105 |
| USAA | $119 |
| First Acceptance | $130 |
| Alinsco | $137 |
| The General | $139 |
| Lone Star | $139 |
| GAINSCO | $140 |
| Root | $145 |
| Mercury | $145 |
| Commonwealth Casualty | $146 |
| Bristol West | $150 |
| Covercube | $150 |
| Dairyland | $154 |
| Mendota | $158 |
| Clearcover | $160 |
| AssuranceAmerica | $160 |
| Sun Coast | $162 |
| Excepsure | $163 |
| Direct Auto | $174 |
| Safeco | $176 |
| Elephant | $176 |
| National General | $176 |
| Loop | $177 |
| Chubb | $201 |
| Trexis One | $207 |
| Insurify Car | $228 |
| 21st Century | $237 |
| Hugo | $240 |
| Liberty Mutual | $276 |
Cheapest after a DUI: State Farm
A driving under the influence (DUI) conviction comes with severe consequences for your insurance costs. In the U.S., our numbers reveal that drivers see rates skyrocket by 59% after a DUI conviction.
Drivers with a DUI in El Paso have an average monthly car insurance bill of $204, but that doesn’t mean you’re stuck paying sky-high premiums. The chart below highlights your five best options in El Paso after a DUI, according to our data.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Rates With a DUI
Company | Average Monthly Premium |
|---|---|
| State Farm | $71 |
| Allstate | $99 |
| Progressive | $99 |
| Mile Auto | $103 |
| GEICO | $112 |
| USAA | $125 |
| First Acceptance | $137 |
| The General | $139 |
| Alinsco | $144 |
| Mercury | $147 |
| Lone Star | $147 |
| Commonwealth Casualty | $152 |
| Clearcover | $153 |
| GAINSCO | $154 |
| Covercube | $158 |
| Bristol West | $160 |
| Root | $163 |
| Dairyland | $164 |
| Mendota | $166 |
| AssuranceAmerica | $170 |
| Sun Coast | $170 |
| Excepsure | $172 |
| Direct Auto | $180 |
| Loop | $186 |
| National General | $187 |
| Elephant | $190 |
| Safeco | $191 |
| Chubb | $212 |
| Trexis One | $218 |
| 21st Century | $237 |
| Insurify Car | $240 |
| Hugo | $255 |
| Liberty Mutual | $293 |
Cheapest for teens: State Farm
Young drivers have the steepest insurance rates of any age group because they don’t have much experience behind the wheel. After all, car crashes are the leading cause of death for teens in the U.S., according to the Centers for Disease Control and Prevention (CDC).[5] Because of this, insurance companies charge these high-risk drivers more.
We found that El Paso teens pay an average of $285 per month for coverage. The insurance companies in the chart below are the cheapest for teen drivers in El Paso, based on our research.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Rates For Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $100 |
| Progressive | $139 |
| Allstate | $142 |
| GEICO | $148 |
| Mile Auto | $155 |
| USAA | $168 |
| Root | $181 |
| Mercury | $183 |
| The General | $189 |
| First Acceptance | $191 |
| Clearcover | $191 |
| GAINSCO | $199 |
| Alinsco | $201 |
| Lone Star | $205 |
| Bristol West | $207 |
| Dairyland | $210 |
| Commonwealth Casualty | $214 |
| Covercube | $220 |
| Mendota | $232 |
| Sun Coast | $238 |
| Excepsure | $240 |
| Elephant | $250 |
| Direct Auto | $255 |
| AssuranceAmerica | $256 |
| Loop | $259 |
| Safeco | $264 |
| National General | $271 |
| Trexis One | $304 |
| Chubb | $318 |
| 21st Century | $321 |
| Insurify Car | $336 |
| Hugo | $345 |
| Liberty Mutual | $376 |
Cheapest for El Paso seniors: State Farm
Older drivers in El Paso enjoy some of the lowest rates thanks to their careful driving habits and years of experience behind the wheel. Most seniors stick to daytime driving and log fewer miles, according to IIHS, which helps drive rates down even more.
We found that the average cost of car insurance for El Paso drivers in their 60s is $124 per month. State Farm offers the best monthly rates for this age group, at just $39.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Rates For Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $39 |
| Allstate | $56 |
| Mile Auto | $57 |
| Progressive | $60 |
| GEICO | $62 |
| USAA | $71 |
| Mercury | $76 |
| First Acceptance | $83 |
| The General | $85 |
| Alinsco | $87 |
| Commonwealth Casualty | $88 |
| Lone Star | $89 |
| GAINSCO | $93 |
| AssuranceAmerica | $93 |
| Bristol West | $93 |
| Covercube | $96 |
| Dairyland | $98 |
| Clearcover | $98 |
| Mendota | $101 |
| National General | $103 |
| Direct Auto | $103 |
| Sun Coast | $104 |
| Excepsure | $104 |
| Root | $105 |
| Elephant | $108 |
| Safeco | $109 |
| Chubb | $112 |
| Loop | $113 |
| Trexis One | $132 |
| 21st Century | $135 |
| Insurify Car | $146 |
| Hugo | $155 |
| Liberty Mutual | $170 |
Cheapest for bad credit: State Farm
In Texas, most auto insurers can use a credit-based insurance score when setting car insurance rates. Companies base this on your credit history, as data shows credit behavior can help predict the likelihood of filing a claim. [6]
Our data shows that El Paso drivers with poor credit pay about $183 per month for coverage. But that doesn’t mean you’re out of options. Not all companies weigh credit heavily. In fact, some offer competitive rates regardless of your credit history.
The chart below shows the cheapest auto insurers in El Paso for drivers with less-than-perfect credit.
The below rates in El Paso, TX, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Cheapest Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| State Farm | $72 |
| Allstate | $87 |
| Progressive | $89 |
| Mile Auto | $90 |
| GEICO | $98 |
| USAA | $108 |
| Mercury | $119 |
| First Acceptance | $123 |
| The General | $125 |
| Alinsco | $129 |
| Lone Star | $131 |
| GAINSCO | $135 |
| Commonwealth Casualty | $136 |
| Clearcover | $138 |
| Bristol West | $140 |
| Covercube | $141 |
| Root | $142 |
| Dairyland | $143 |
| AssuranceAmerica | $148 |
| Mendota | $149 |
| Sun Coast | $153 |
| Excepsure | $154 |
| Safeco | $156 |
| Direct Auto | $157 |
| National General | $163 |
| Elephant | $166 |
| Loop | $166 |
| Trexis One | $195 |
| 21st Century | $214 |
| Insurify Car | $215 |
| Hugo | $222 |
| Chubb | $239 |
| Liberty Mutual | $248 |
Find the Best Company for You
Local rates start as low as $50 per month.
Excellent
4.6 out of 5 based on 733 reviews
Secure. Free. Easy-to-use.
El Paso Auto Insurance FAQs
If you still have questions about auto insurance in El Paso, check out these answers to commonly asked questions.
How much is car insurance in El Paso?
El Paso drivers pay an average of $146 per month for car insurance, according to Compare.com data. Liability-only coverage costs around $98 per month, while full coverage averages $193 per month.
What’s the cheapest auto insurance company in El Paso?
State Farm offers the cheapest car insurance rates in El Paso, averaging $50 per month, according to our research.
What’s the best car insurance company in El Paso?
It depends. The best company in El Paso depends on your insurance needs. Still, our research shows that USAA, GEICO, and State Farm offer affordable prices and discount opportunities for El Paso drivers.
Is car insurance in El Paso expensive?
Car insurance costs depend on several factors, including your location, driving history, age, coverage levels, and more. That said, car insurance in El Paso costs an average of $146 per month, compared to the statewide average of $165 and $140 nationwide, according to Compare.com data.
Is minimum coverage enough in El Paso?
Not usually. Texas law only requires drivers to have basic liability insurance — typically 30/60/25 ($30,000 bodily injury per person, $60,000 per accident, and $25,000 for property damage) to legally drive in El Paso.
But those limits wouldn’t be enough if you got into a serious car crash where medical bills and repair costs exceeded those limits. That’s why most insurance experts recommend purchasing higher liability limits and additional coverage to ensure you’re better protected.
How much car insurance coverage does Texas require?
Texas has minimum car insurance coverage requirements of $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage.
How much does car insurance cost in Texas each month?
Texans pay an average of $165 per month for car insurance, according to Compare.com data. Basic liability coverage averages $117 per month, and drivers pay an average of $213 per month for full coverage in Texas.
Sources
- El Paso Metropolitan Statistical Area (MSA) Priority Climate Action Plan. "El Paso Metropolitan Statistical Area (MSA) Priority Climate Action Plan."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Texas.gov. "Auto insurance guide."
- TxDMV.gov. "TexasSure - Insurance Verification."
- Teen Drivers. "Risk Factors for Teen Drivers."
- Texas.gov. "Credit scoring and insurance."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Related Articles
)
Texas Car Insurance Requirements: What You Should Know
Texas drivers must have a minimum 30/60/25 liability policy to drive in the state legally. Learn more about Texas car insurance laws here.
)
Is Car Insurance Cheaper in California or Texas?
On average, Texas has cheaper car insurance than California. Find out why rates differ and each state’s cheapest insurance companies.
)
Complete Guide to Cheap SR-22 Insurance in Texas (July 2026 Rates)
State Farm offers the cheapest rates for Texas drivers who need an SR-22. You need to maintain a valid SR-22 for two years.
)
The Complete Guide to Non-Owner Car Insurance in Texas
Non-owner car insurance may be a good option if you’re a Texas driver who doesn’t own a car but regularly borrows someone else’s or needs an SR-22.
)
How Much Is Car Insurance in Texas in 2026?
Texas drivers pay an average of $165 per month for car insurance, but your rates could differ significantly based on your insurance company and driver profile.
)
The Complete Guide to Texas Rideshare Insurance in 2026
Buying rideshare insurance in Texas can give you more protection than Uber and Lyft provide. Find out how rideshare insurance works and how much it costs in Texas.
)
The Cheapest Car Insurance in Texas in 2026
The average Texas driver pays $165 per month for car insurance, but State Farm offers the cheapest rates in the state, at just $56 per month.
)
Does No-Deposit Car Insurance Exist?
Unfortunately, no-deposit car insurance doesn’t exist. You’ll have to pay something up front, no matter what type of car insurance you buy. But you can still find ways to lower your up-front payment.
)
Duncanville, TX Car Insurance
The average monthly cost for car insurance in Duncanville is about $64. To learn more about policy rates and coverage in the Duncanville area, continue reading our guide below.
)
Southlake, TX Car Insurance
On average, drivers in Southlake pay around $60 per month for their car insurance. To learn more about what you're likely to pay in the Southlake area, read our guide below.
)
The Complete Guide to Car Insurance in Arlington, Texas
Car insurance premiums in Arlington, Texas, are higher than the national average, with liability coverage starting as low as $58 per month. State Farm, Allstate, Progressive currently offer the lowest premiums.
)
Keller, TX Car Insurance
Drivers in Keller pay, on average, $69 a month for their car insurance. To learn more about car insurance rates in the Keller area, read our guide below.
)
Commerce, TX Car Insurance
The average monthly cost for car insurance in Commerce is about $65. Check out our guide below to find out how much you'll pay.
)
The Cheapest Auto Insurance Companies in Abilene, Texas, in 2026
State Farm offers the cheapest auto insurance rates in Abilene, Texas, but your personal rates may vary depending on your age, driving history, vehicle, coverage, and other factors.
Waxahachie, TX Car Insurance
On average, Waxahachie drivers pay a monthly average rate of around $63 for their car insurance. Learn more in our handy guide below.
)
The Complete Guide to Car Insurance in Plano, Texas
Drivers in Plano, Texas, can find the cheapest car insurance rates from several insurers, including State Farm. Find out which other insurers top our list.
)
Sugar Land, TX Car Insurance
Drivers in Sugar Land pay, on average, $72 a month for their car insurance. To find out more check out our guide below.
Balch Springs, TX Car Insurance
The average monthly cost for car insurance in Balch Springs is about $70. Check out our guide below to find out how much you'll pay.
)
Burleson, TX Car Insurance
Drivers in Burleson pay around $65 a month for their car insurance. To learn more about policy rates and coverage in the Burleson area, continue reading our guide below.
)
Greenville, TX Car Insurance
On average, drivers in Greenville pay around $56 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
)
Mission, TX Car Insurance
The average monthly cost for car insurance in Mission is about $64. Learn more in our handy guide below.
)
The Cheapest Auto Insurance Companies in Houston, Texas, in 2026
State Farm offers the lowest average price for state-minimum coverage in Houston at $75 per month.
)
Katy, TX Car Insurance
The average cost for car insurance in Katy is about $79 a month. Learn more in our handy guide below.
Corsicana, TX Car Insurance
The average cost for car insurance in Corsicana is about $56 a month. For information on policy rates, coverage, and more check out our guide below.
Georgetown, TX Car Insurance
On average, Georgetown drivers pay around $56 a month for their car insurance. Read our guide below to learn more about your specific rates.
Cleburne, TX Car Insurance
Cleburne drivers pay, on average, around $57 a month for their car insurance. To find out more check out our guide below.
)
The Cheapest Auto Insurance Companies in McAllen, Texas, in 2026
State Farm offers the lowest car insurance rates in McAllen. But your personal rates may vary based on factors like your coverage levels and driving history.
Cedar Park, TX Car Insurance
The average monthly cost for car insurance in Cedar Park is about $60. Learn more in our handy guide below.
San Juan, TX Car Insurance
Drivers in San Juan pay, on average, $63 a month for their car insurance. For more information refer to our guide below.
Coppell, TX Car Insurance
The average cost for car insurance in Coppell is about $65 a month. To learn more about car insurance rates in the Coppell area, read our guide below.
)
Pearland, TX Car Insurance
Drivers in Pearland pay around $69 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Grand Prairie, TX Car Insurance
On average, drivers in Grand Prairie pay around $70 per month for their car insurance. To find out more check out our guide below.
)
The Cheapest Auto Insurance Companies in Austin, Texas in 2026
Austin’s cheapest auto insurance company is State Farm, with an average monthly rate of $58.
Baytown, TX Car Insurance
Drivers in Baytown pay around $73 a month for their car insurance. Read our guide below to learn more about your specific rates.
Fresno, TX Car Insurance
Fresno drivers pay, on average, around $83 a month for their car insurance. Read our guide below to learn more about your specific rates.
New Braunfels, TX Car Insurance
The average cost for car insurance in New Braunfels is about $57 a month. To find out more check out our guide below.
)
The Cheapest Auto Insurance Companies in Amarillo, Texas, in 2026
State Farm has the cheapest car insurance in Amarillo, Texas, according to Compare.com data. But the cheapest company for you may differ, as personal factors like your age, driving record, and claims history contribute to your rate.
Pflugerville, TX Car Insurance
The average cost for car insurance in Pflugerville is about $73 a month. To learn more about policy rates and coverage in the Pflugerville area, continue reading our guide below.
)
The Cheapest Auto Insurance in Lubbock, TX, in 2026
Lubbock drivers pay an average of $154 per month for car insurance, but companies like State Farm may offer much cheaper rates. Read on to see which auto insurer offers the best rates.
)
Texarkana, TX Car Insurance
The average monthly cost for car insurance in Texarkana is about $51. Read our guide below to learn more about your specific rates.
)
The Cheapest Auto Insurance Companies in Dallas, Texas, in 2026
State Farm has the cheapest car insurance rates in Dallas, averaging $63 per month.
)
The Complete Guide to Car Insurance in Killeen, Texas
State Farm, Allstate, and Progressive currently offer the lowest monthly premiums in Killeen. Here’s how Killeen drivers can find affordable car insurance.
Grapevine, TX Car Insurance
Drivers in Grapevine pay, on average, $60 a month for their car insurance. Check out our guide below to find out how much you'll pay.
)
The Cheapest Auto Insurance Companies in Midland, Texas, in 2026
State Farm offers the lowest car insurance rates in Midland. But your exact costs will depend on several personal factors.
Round Rock, TX Car Insurance
On average, drivers in Round Rock pay around $61 per month for their car insurance. We cover plan rates, policies and more in our guide below.
Cleveland, TX Car Insurance
The average monthly cost for car insurance in Cleveland is about $68. Learn more in our handy guide below.
McKinney, TX Car Insurance
On average, Mckinney drivers pay a monthly average rate of around $67 for their car insurance. Learn more in our handy guide below.
)
Lufkin, TX Car Insurance
Lufkin drivers pay, on average, around $63 a month for their car insurance. For more information refer to our guide below.
)
The Cheapest Auto Insurance Companies in Denton, TX, in 2026
State Farm has the cheapest car insurance in Denton, Texas, averaging $55 per month, according to Compare.com data. But personal factors, like your age and driving record, determine which company offers the best rates for your coverage needs.
Frisco, TX Car Insurance
Residents of Frisco pay around $66 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Frisco area, read our guide below.
Harlingen, TX Car Insurance
On average, drivers in Harlingen pay around $58 per month for their car insurance. To learn more about what you're likely to pay in the Harlingen area, read our guide below.
)
The Cheapest Auto Insurance in Fort Worth, Texas, in 2026
Fort Worth drivers pay an average of $118 per month for liability insurance and $209 for full coverage. Read on to find some of the cheapest insurers in the city.
Temple, TX Car Insurance
Temple drivers pay, on average, around $49 a month for their car insurance. Read our guide below to learn more about your specific rates.
League City, TX Car Insurance
Residents of League City pay around $72 monthly for their car insurance coverage. To learn more about car insurance rates in the League City area, read our guide below.
College Station, TX Car Insurance
College Station drivers pay, on average, around $62 a month for their car insurance. To learn more about what you're likely to pay in the College Station area, read our guide below.
Conroe, TX Car Insurance
The average cost for car insurance in Conroe is about $66 a month. To learn more about policy rates and coverage in the Conroe area, continue reading our guide below.
)
Lewisville, TX Car Insurance
Lewisville drivers pay, on average, around $63 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Montgomery, TX Car Insurance
On average, Montgomery drivers pay a monthly average rate of around $62 for their car insurance. For more information refer to our guide below.
Mansfield, TX Car Insurance
On average, Mansfield drivers pay a monthly average rate of around $69 for their car insurance. To find out more check out our guide below.
Rowlett, TX Car Insurance
Rowlett drivers pay, on average, around $72 a month for their car insurance. Learn more in our handy guide below.
Victoria, TX Car Insurance
Victoria drivers pay, on average, around $58 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Forney, TX Car Insurance
The average monthly cost for car insurance in Forney is about $77. Check out our guide below to find out how much you'll pay.
)
The Cheapest Auto Insurance Companies in Brownsville, Texas, in 2026
State Farm has the cheapest car insurance rates in Brownsville, at $56 per month. Your personal rates will vary based on factors like your age, driving record, and coverage needs.
Bryan, TX Car Insurance
On average, Bryan drivers pay around $55 a month for their car insurance. Check out our guide below to find out how much you'll pay.
)
The Cheapest Auto Insurance Companies in Huntsville, Texas, in 2026
If you want the cheapest car insurance in Huntsville, State Farm offers the most affordable rates in town.
)
The Cheapest Auto Insurance in Corpus Christi, TX, in 2026
State Farm offers the cheapest rates for Corpus Christi drivers, averaging $58 per month for minimum coverage.
Jacksonville, TX Car Insurance
The average monthly cost for car insurance in Jacksonville is about $52. To find out more check out our guide below.
Rockwall, TX Car Insurance
On average, Rockwall drivers pay a monthly average rate of around $72 for their car insurance. To learn more about car insurance rates in the Rockwall area, read our guide below.
Lancaster, TX Car Insurance
Drivers in Lancaster pay, on average, $69 a month for their car insurance. To learn more about car insurance rates in the Lancaster area, read our guide below.
Friendswood, TX Car Insurance
On average, Friendswood drivers pay around $68 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
La Porte, TX Car Insurance
On average, La Porte drivers pay a monthly average rate of around $75 for their car insurance. To find out more check out our guide below.
)
The Complete Guide to Car Insurance in Galveston, Texas
Car insurance premiums in Galveston, Texas, are lower than the national average, with liability policies starting as low as $59 per month. State Farm currently offers the lowest monthly premiums in Galveston.
Nacogdoches, TX Car Insurance
Residents of Nacogdoches pay around $57 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Nacogdoches area, read our guide below.
Humble, TX Car Insurance
On average, drivers in Humble pay around $82 per month for their car insurance. For more information refer to our guide below.
)
The Cheapest Auto Insurance Companies in Laredo, Texas, in 2026
Laredo drivers can find some of the best car insurance rates with companies like State Farm, Nationwide, and Mile Auto. Explore the cheapest companies and save on coverage.
)
The Complete Guide to Car Insurance in Garland, Texas
State Farm and Allstate are among the cheapest car insurance companies in Garland, Texas. See which other insurers top our list.
Haltom City, TX Car Insurance
On average, drivers in Haltom City pay around $62 per month for their car insurance. To learn more about what you're likely to pay in the Haltom City area, read our guide below.
)
Big Spring, TX Car Insurance
The average monthly cost for car insurance in Big Spring is about $43. To learn more about car insurance rates in the Big Spring area, read our guide below.
Leander, TX Car Insurance
Drivers in Leander pay around $62 a month for their car insurance. Read our guide below to learn more about your specific rates.
)
The Cheapest Auto Insurance in San Antonio, Texas, in 2026
State Farm has the cheapest rates for state-minimum coverage in San Antonio, at $59 per month.
)
What's the Cost Of Owning a Car in Texas?
Car price isn't the only cost. Gas is cheap, but insurance can be expensive, so how much does it really cost to own a car in Texas?
…
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
Amy BeardsleyInsurance Writer
Lequita WestbrooksSenior Editor
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
