Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Are you needing cheap auto insurance in El Paso, TX? At, your search is over. You just have to submit your postal code in the quote box down this page – it’s that simple!

El Paso is located out in West Texas and shares the Rio Grande and a cultural flavor with its sister city to the south, Ciudad Juarez. It’s also well-known for having ample educational opportunities, top-of-the-line medical facilities, and enough recreation to entertain tourists and locals all year long.

  • Fun Fact: They must not eat very many apples in El Paso, because this city is #23 (79902) on the list of “Top 101 zip codes with the most offices of physicians in 2005”. Research more about El Paso by visiting here.

Auto Insurance Coverage Requirements in Texas

Driving legally in El Paso requires:

CoverageRequirementsMost Common
Bodily Injury Liability30,000/60,00030,000/60,000
Property Damage Liability25,00025,000
Uninsured Motorist Bodily InjuryNot required25,000/50,000
Medical PaymentsNot required2,500
CollisionNot required500 deductible
ComprehensiveNot required500 deductible

Texas motorists have several of the cheapest state needs for automotive insurance in the united states. However that does not mean your coverage must take a backseat. Liability only pays out claims should you be the one that caused the accident or even the damage. In each and every other scenario, you might be financially liable.

Despite getting such low minimum state requirements, the typical monthly cost for vehicle premiums in Texas is often as high as $135 or even more. Fortunately, residing in El Paso you can get some pretty significant discount rates – you may be driving legally for $85/mo or fewer!

Average Monthly Auto Insurance Premiums Legend: El Paso Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 $76 $115 $120 $103 $193


Texas Farm Bureau or even Mercury are providing beautifully reduced rates on Texas auto insurance at this time. But make certain other facets of the organization are simply as attractive his or her premiums. Otherwise, you can find tied to poor customer support, and have to battle a little fight simply to file claims.

Companies which provide you with insurance coverage evaluate several factors when figuring out automobile insurance prices which include marital status, past accident claims, your job, the average number of miles you drive, and multiple cars and drivers. Also, premiums could alter between companies. If you want to make sure that you are still being charged the lowest-cost rate, assess cheap El Paso automobile insurance price quotes on the internet.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Major Car Insurance Factors in El Paso

You might feel a little bit hopeless once your automobile insurance company is evaluating your vehicle insurance quote; let’s be honest, a lot of the things they calculate aren’t things you can effortlessly alter or control. Thankfully, however, there are a few elements that that you are able to adjust for increased discounts, including:

Your Zip Code

Insurance providers need to know where you reside (or the places you will probably be driving a car most often) in an effort to figure out the likelihood of a major accident. All of it amounts to a simple notion: the higher the populace, the greater number of cars and trucks you will encounter while driving, and also the more prospects you might have to get in a crash with or be get collided into by a different automobile. The population of El Paso is actually 674,433 and also the typical family income is $41,129.

Auto Insurance by Zip Code Legend: San Antonio Fort Worth Dallas Austin El Paso Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 $55 $49 $80 $56 $76 $90 $85 $97 $89 $115 $85 $81 $111 $71 $120 $86 $90 $110 $90 $103 $127 $118 $165 $132 $193


Automotive Accidents

Although you might not think so, the truth is that Texas is one of the most dangerous states to drive in when it comes to fatal car accidents – even more so than Chicago or New York. And this is a big part of the reason rates are so high in your state. But you might want to ask your agent about Safe Driving discounts in your area to counteract this.

Fatal Accidents in El Paso, TX Legend: El Paso Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 20 40 60 80 100 46 71 15 49 119 12


Auto Thefts in El Paso

Anyone who lives in a big city can tell you that auto theft is a serious concern. And if your city has particularly high rates of auto thievery, you may become a victim of another crime – high automobile insurance rates! The actual total amount of taken automobiles in 2013 was 794 for El Paso. This is good news since it means theft rates are falling drastically, but it doesn’t mean you should go lightly on your Comprehensive coverage.

Basic vs. Comprehensive Coverage Legend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 $76 $77 $115 $107 $120 $94 $103 $97 $193 $141


Your Credit Score

Check out the chart below. Motorists having a bad credit score are having to pay a minimum of two times around motorists with perfect credit. This may not be a financial budget-breaker for many companies, however it can push your premiums in to the triple numbers along with other providers.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 $68 $126 $72 $174 $96 $328 $89 $168 $124 Do Not Sell


Your Age

Regrettably, teenage motorists will be billed considerably greater rates, regardless of other circumstances. Good Student or Driver’s Education discount rates might help some, and certain providers tend to be more forgiving than the others (see below).

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Texas Farm Bureau State Farm Encompass Mercury Allstate 50 100 150 200 250 300 350 400 450 $76 $258 $115 $266 $120 Do Not Sell $103 $492 $193 $493


Your Driving Record

Regardless of who insures you in Texas, it appears as if the majority are forgiving enough to make sure high-risk motorists – motorists with serious violations on their own record – aren’t paying the highest monthly premium. If your record only consists of minor blemishes, inquire if your provider offers any Accident Forgiveness discount rates.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Texas Farm Bureau State Farm Encompass Mercury Allstate 25 50 75 100 125 150 175 200 225 $76 $80 $120 $94 $115 $90 $136 $105 $120 $113 Do Not Sell $153 $103 $110 $119 $138 $193 $145 Do Not Sell $232


Your Vehicle

The cost connected with insuring an extravagance vehicle has more related to the quantity of insurance you purchase, as opposed to the vehicle itself. In the end, you are not likely to cover a Ferrari or perhaps a Porsche with state minimum Liability. You are likely to purchase a variety of coverage options, as well as in sufficiently high comes down to cover the price of your automobile.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 200 $76 $105 $115 $147 $120 $122 $103 $130 $193 $218


Minor Car Insurance Factors in El Paso

For El Paso drivers, these factors may also raise or lower your rates:

Your Marital Status

It’s not hard to get vehicle insurance discount rates knowing how and just what policies you are able to bundle. And it is even simpler to benefit from savings if you are married! Married people can’t only bundle their auto policies together, but additionally such things as renters or home insurance, too.

Your Gender

Insurance firms, typically, base their payments on cold, hard data. And recently, that data claims that there’s no significant risk in one gender over another. This describes the reasons providers are beginning to phase out this specific metric when calculating premiums.

Your Driving Distance to Work

Your daily work commute might take a little while if you live in El Paso; most drives will last anywhere from 15 to 25 minutes, with the average being around 20 minutes. This may be because 76% of locals use their own vehicle alone in order to get around, so the roads might be a little congested. Around 15% prefer to carpool.

Nearly every insurance professional asks about yearly miles driven, along with your purpose on the highway. But regardless of how you answer these questions, it rarely comes down to greater than a 3-5% alternation in payments. But when you are insuring an automobile for business, count on paying a minimum of 10% more typically.

Your Coverage and Deductibles

As talked about earlier, Comprehensive coverage is essential to safeguard yourself from El Paso’ infamously high rates of auto thievery – but it is also pricey. One method to decrease your monthly charges are to improve your deductible. Just make certain you’ve got a little extra money saved just in case you need to file claiming.

Education in El Paso, TX

In El Paso, nearly 32% of the population has not yet completed their secondary level of education, while 23% have in fact graduated with a high school diploma. For those who fall into either one of these categories, returning to school can actually help you lower your automobile insurance rate!

El Paso is home to several institutions for higher learning. The University of Texas operates a campus in El Paso, offering bachelor’s degrees and higher to an ethnically diverse student body. There are also 5 campuses which make up the El Paso Community College system, educating nearly 28,000 students each year in a variety of programs.

Vehicle insurance is a necessary part of owning and operating any type of automobile. Some companies know that, and use their superior knowledge database to take advantage of customers; other companies just want to provide good service at a fair price. Use the quote box below to find a good provider who can meet your insurance needs.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

Willing to compare rates? Find out how much you could save!