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 $48 per month.
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Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byDavid C. Marlett, Ph.D., CPCU
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David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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If you’re driving in El Paso, you’re looking at an average of $145 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 $48.
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 $48 per month, though premiums vary based on personal factors.
El Paso drivers pay $99 per month for liability coverage, while full coverage costs $191 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. | $86/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. | $170/mo |
3.9
A solid option in El Paso, TXBased on 176 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 70 USAA reviews
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.
Verified Review
Reviewed in Florida on February 21, 2026
Fair price.
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. | $78/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 711 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 recent national reviewsSee all 275 GEICO reviews
Verified Review
Reviewed in Florida on May 24, 2026
The company was very helpful and responsive when I had a claim, but they also canceled my policy as soon as my license was suspended.
Verified Review
Reviewed in Iowa on May 10, 2026
The price keeps increasing.
Verified Review
Reviewed in Colorado on May 7, 2026
Great price.
…
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. | $48/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. | $96/mo |
4.0
Best choice in El Paso, TXBased on 836 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 6 Texas reviews for El Paso driversSee all 328 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
4.7 out of 5 based on 683 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?
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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: $187 per month
Category | Price |
|---|---|
| $78 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.9% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
40.4% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 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 $99 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| Allstate | $69 |
| Mile Auto | $69 |
| Progressive | $70 |
| GEICO | $78 |
| USAA | $86 |
| Mercury | $94 |
| First Acceptance | $98 |
| The General | $99 |
| Alinsco | $103 |
| Lone Star | $105 |
| Nationwide | $108 |
| Commonwealth Casualty | $109 |
| Freedom National | $109 |
| Dairyland | $110 |
| GAINSCO | $111 |
| Bristol West | $112 |
| Clearcover | $112 |
| Root | $113 |
| Covercube | $116 |
| Mendota | $117 |
| AssuranceAmerica | $120 |
| Sun Coast | $123 |
| Safeco | $124 |
| Direct Auto | $127 |
| National General | $130 |
| Loop | $132 |
| Elephant | $134 |
| Chubb | $147 |
| Trexis One | $150 |
| 21st Century | $170 |
| Liberty Mutual | $204 |
| Foremost | $234 |
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 $191 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $96 |
| Progressive | $132 |
| Allstate | $134 |
| Mile Auto | $150 |
| Mercury | $156 |
| GEICO | $168 |
| USAA | $170 |
| Safeco | $185 |
| Root | $190 |
| Clearcover | $195 |
| Direct Auto | $204 |
| Alinsco | $206 |
| Elephant | $208 |
| Nationwide | $214 |
| GAINSCO | $216 |
| National General | $219 |
| Bristol West | $222 |
| The General | $225 |
| Mendota | $229 |
| AssuranceAmerica | $235 |
| First Acceptance | $246 |
| Commonwealth Casualty | $247 |
| Loop | $248 |
| Sun Coast | $249 |
| Lone Star | $250 |
| Covercube | $271 |
| Dairyland | $272 |
| Freedom National | $285 |
| Chubb | $289 |
| Liberty Mutual | $299 |
| Trexis One | $306 |
| 21st Century | $334 |
| Foremost | $500 |
Compare Real-Time Car Insurance Quotes in El Paso
Rates in El Paso start at $48 per month.
Excellent
4.7 out of 5 based on 683 reviews
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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 $182 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| Mile Auto | $84 |
| Progressive | $88 |
| Allstate | $90 |
| GEICO | $102 |
| USAA | $111 |
| First Acceptance | $123 |
| Alinsco | $129 |
| Commonwealth Casualty | $130 |
| Mercury | $130 |
| Lone Star | $132 |
| The General | $133 |
| GAINSCO | $133 |
| Root | $135 |
| Dairyland | $137 |
| Nationwide | $140 |
| Bristol West | $141 |
| Clearcover | $143 |
| Covercube | $145 |
| Mendota | $147 |
| AssuranceAmerica | $153 |
| Sun Coast | $154 |
| Direct Auto | $160 |
| Elephant | $161 |
| National General | $162 |
| Safeco | $163 |
| Loop | $165 |
| Chubb | $187 |
| Trexis One | $188 |
| 21st Century | $224 |
| Liberty Mutual | $260 |
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 $193 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| State Farm | $64 |
| Allstate | $93 |
| Progressive | $93 |
| Mile Auto | $93 |
| GEICO | $103 |
| USAA | $116 |
| First Acceptance | $130 |
| The General | $137 |
| Alinsco | $137 |
| Lone Star | $140 |
| Mercury | $141 |
| Root | $143 |
| GAINSCO | $143 |
| Commonwealth Casualty | $145 |
| Dairyland | $146 |
| Nationwide | $146 |
| Bristol West | $149 |
| Covercube | $154 |
| Mendota | $156 |
| AssuranceAmerica | $160 |
| Clearcover | $160 |
| Sun Coast | $164 |
| Safeco | $173 |
| Direct Auto | $174 |
| National General | $174 |
| Loop | $176 |
| Elephant | $176 |
| Chubb | $197 |
| Trexis One | $200 |
| 21st Century | $233 |
| Liberty Mutual | $272 |
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 $200, 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Rates With a DUI
Company | Average Monthly Premium |
|---|---|
| State Farm | $68 |
| Progressive | $97 |
| Allstate | $97 |
| Mile Auto | $97 |
| GEICO | $109 |
| USAA | $121 |
| The General | $135 |
| First Acceptance | $135 |
| Mercury | $141 |
| Alinsco | $142 |
| Lone Star | $145 |
| Commonwealth Casualty | $149 |
| Clearcover | $151 |
| Nationwide | $152 |
| Dairyland | $155 |
| GAINSCO | $157 |
| Bristol West | $158 |
| Root | $159 |
| Covercube | $160 |
| Mendota | $162 |
| AssuranceAmerica | $169 |
| Sun Coast | $170 |
| Direct Auto | $179 |
| Loop | $182 |
| National General | $183 |
| Safeco | $186 |
| Elephant | $189 |
| Trexis One | $207 |
| Chubb | $207 |
| 21st Century | $231 |
| Liberty Mutual | $288 |
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 $284 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Rates For Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $97 |
| Progressive | $137 |
| Allstate | $141 |
| GEICO | $146 |
| Mile Auto | $147 |
| USAA | $165 |
| Mercury | $178 |
| Root | $178 |
| The General | $185 |
| Clearcover | $192 |
| First Acceptance | $192 |
| Dairyland | $199 |
| Alinsco | $201 |
| GAINSCO | $205 |
| Lone Star | $205 |
| Bristol West | $206 |
| Commonwealth Casualty | $212 |
| Nationwide | $218 |
| Covercube | $227 |
| Mendota | $229 |
| Sun Coast | $241 |
| Elephant | $249 |
| Direct Auto | $256 |
| AssuranceAmerica | $257 |
| Loop | $258 |
| Safeco | $260 |
| National General | $269 |
| Trexis One | $293 |
| Chubb | $313 |
| 21st Century | $317 |
| Liberty Mutual | $372 |
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 $123 per month. State Farm offers the best monthly rates for this age group, at just $37.
The below rates in El Paso, TX, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Cheapest Rates For Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $37 |
| Mile Auto | $54 |
| Allstate | $55 |
| Progressive | $60 |
| GEICO | $61 |
| USAA | $69 |
| Mercury | $74 |
| Nationwide | $82 |
| First Acceptance | $83 |
| The General | $84 |
| Commonwealth Casualty | $87 |
| Alinsco | $88 |
| Lone Star | $89 |
| Bristol West | $93 |
| Dairyland | $93 |
| AssuranceAmerica | $93 |
| GAINSCO | $94 |
| Clearcover | $98 |
| Covercube | $99 |
| Mendota | $99 |
| National General | $101 |
| Root | $103 |
| Direct Auto | $103 |
| Sun Coast | $105 |
| Safeco | $107 |
| Elephant | $109 |
| Chubb | $110 |
| Loop | $112 |
| Trexis One | $128 |
| 21st Century | $133 |
| Liberty Mutual | $168 |
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 $181 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: Sunday, May 31 at 5:00 PM PDT.
Cheapest Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| State Farm | $69 |
| Allstate | $85 |
| Mile Auto | $85 |
| Progressive | $88 |
| GEICO | $97 |
| USAA | $106 |
| Mercury | $115 |
| The General | $122 |
| First Acceptance | $123 |
| Alinsco | $129 |
| Lone Star | $131 |
| Nationwide | $134 |
| Commonwealth Casualty | $135 |
| Dairyland | $136 |
| GAINSCO | $137 |
| Bristol West | $139 |
| Clearcover | $139 |
| Root | $140 |
| Covercube | $145 |
| Mendota | $146 |
| AssuranceAmerica | $148 |
| Safeco | $153 |
| Sun Coast | $154 |
| Direct Auto | $157 |
| National General | $161 |
| Loop | $165 |
| Elephant | $166 |
| Trexis One | $188 |
| 21st Century | $210 |
| Chubb | $234 |
| Liberty Mutual | $244 |
Find the Best Company for You
Local rates start as low as $48 per month.
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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 $145 per month for car insurance, according to Compare.com data. Liability-only coverage costs around $99 per month, while full coverage averages $191 per month.
What’s the cheapest auto insurance company in El Paso?
State Farm offers the cheapest car insurance rates in El Paso, averaging $48 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 $145 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.
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Learn more about us, our team, and what makes us tick.
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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
