El Paso, TX Auto Insurance | Cheap Car Insurance in El Paso, TX

Are you looking for cheap auto insurance in El Paso, TX? It is of note that Texas drivers are only required to carry both forms of Liability insurance, but many choose to carry more. It is possible to drive in El Paso for as little as $85 a month.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Can't-Miss Facts

  • You are required to carry bodily injury liability and personal property liability in Texas.
  • Texas drivers are not required to carry collision or comprehensive coverage.
  • You can drive legally in Texas for $85 a month or less.

Are you in need of cheap auto insurance in El Paso, TX? We understand that insurance is a complicated business. This is why we will discuss car insurance in El Paso step by step so you can find the right insurer for you.

If you need to learn more about auto insurance in Texas, check out The Ultimate Texas Car Insurance Guide (Costs + Coverage). Get a start on finding reasonable rates from auto insurance companies in El Paso, TX by typing your ZIP code into our free, helpful tool above.

Table of Contents

Auto Insurance Coverage Requirements in Texas

According to the Texas Department of Insurance, driving legally in El Paso requires the following:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

Texas motorists have several of the cheapest state needs for automotive insurance in the country. However, that doesn't mean they shouldn't consider additional coverage. Liability only pays out claims if you are the one that caused the accident or damage. In every other scenario, you might be financially liable.

Despite low minimum state requirements, the typical monthly cost for vehicle premiums in Texas is often as high as $135 or more.

Fortunately, El Paso residents may qualify for significant discount rates. You may be able to drive legally for $85 a month or less.

El Paso, TX Average Monthly Auto Insurance RatesLegend: El Paso Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160180$76$115$120$103$193

 

Texas Farm Bureau and Mercury are currently providing reduced rates on Texas auto insurance.

Insurance companies evaluate several factors when determining your rates. Factors that Affect Your Auto Insurance Premium include your job, marital status, past accident claims, the average number of miles you drive, and multiple vehicles and drivers.

Premiums may also alter between companies. If you want to make sure you're still receiving a good rate, search for affordable El Paso, TX auto insurance quotes by typing your ZIP code into our free, helpful tool below.

Enter your ZIP code below to compare auto insurance rates.

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Major Auto Insurance Factors in El Paso

Your Zip Code

Insurance providers need to know where you live, or the places you will be driving most often, to figure out the likelihood of you getting into a major accident. The higher a ZIP code's populace, the greater number of vehicles you will encounter while driving.

The population of El Paso is 674,433 and the typical family income is $41,129.

Texas Average Monthly Auto Insurance Rates by CityLegend: San Antonio Fort Worth Dallas Austin El Paso Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160180$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

Texas is one of the most dangerous states to drive in when it comes to fatal auto accidents, even more so than Chicago or New York.

 

El Paso, TX Fatal Auto AccidentsLegend: El Paso Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 204060801004671154911912

 

You may want to ask your agent about Safe Driving discounts in your area to counteract the state's generally high rates.

Auto Thefts in El Paso

Anyone who lives in a big city can tell you that auto theft is a serious concern. If your city has particularly high rates of auto theft, you may encounter high insurance premiums.

794 automobiles were stolen in El Paso in 2013. This indicates that theft rates are falling drastically, but it doesn't mean you should forego comprehensive coverage.

This video from Allstate further explains full coverage and why you may need it.

The following chart compares basic liability and comprehensive coverage.

El Paso, TX Monthly Basic vs. Comprehensive Auto Insurance RatesLegend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160180$76$77$115$107$120$94$103$97$193$141

Your Credit Score

Motorists with bad credit may have to pay a minimum of two times around motorists with perfect credit.

El Paso, TX Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160180200220240260280300320$68$126$72$174$96$328$89$168$124Do Not Sell

Your Age

Teenage motorists will be billed considerably higher 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 others.

El Paso, TX Auto Insurance Rates by AgeLegend: 34 Year Old 17 Year Old Texas Farm Bureau State Farm Encompass Mercury Allstate 50100150200250300350400450$76$258$115$266$120Do Not Sell$103$492$193$493

Your Driving Record

The majority of insurance companies in Texas are forgiving enough to make sure high-risk motorists - motorists with serious violations on their record - aren't paying the highest monthly premium.

El Paso, TX Monthly Auto Insurance Rate by Driving ViolationLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Texas Farm Bureau State Farm Encompass Mercury Allstate 255075100125150175200225$76$80$120$94$115$90$136$105$120$113Do Not Sell$153$103$110$119$138$193$145Do Not Sell$232

 

If you have no serious offenses on your driving record, ask your provider if they offer Accident Forgiveness discount rates.

Your Vehicle

The cost connected with insuring an extravagant vehicle has more relation to the quantity of insurance you purchase, as opposed to the vehicle itself. It wouldn't be wise to cover a Ferrari or Porsche with state minimum liability.

El Paso, TX Monthly Auto Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160180200$76$105$115$147$120$122$103$130$193$218

Minor Auto Insurance Factors in El Paso

Your Marital Status

Married people can get discounted rates by bundling their auto policies together, as well as renters or home insurance, too.

Your Gender

Recent data suggest that there's no significant risk in one gender driving over another. This explains why providers are beginning to phase out this specific metric when calculating premiums.

Your Driving Distance to Work

Most commutes in El Paso will last anywhere from 15 to 25 minutes, with the average being around 20 minutes. 76% of locals use their own vehicle alone in order to get around, whereas 15% prefer to carpool.

Nearly every insurance company asks about yearly miles driven, along with your purpose on the highway. Regardless of how you answer these questions, it rarely comes down to greater than a 3-5% alternation in payments. However, if you are insuring an automobile for business, you will most likely pay a minimum of 10% more.

Your Coverage and Deductibles

Comprehensive coverage is essential to safeguard yourself from El Paso' infamously high rates of auto thievery, but it may be pricey.

One way to decrease your monthly charges is to improve your deductible. You will need to pay more out-of-pocket in the event that you file a claim, but it will ultimately lower your monthly policy payment.

Education in El Paso, TX

Nearly 32% of the population in El Paso has not yet completed their secondary level of education, while 23% have 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 rates.

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 that make up the El Paso Community College system, educating nearly 28,000 students each year in a variety of programs.

Car insurance is a necessary part of owning and operating any type of automobile. Use the quote box below to find a good provider who can meet your insurance needs.

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How We Conducted Our Auto 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.

Type your ZIP code into our helpful, free tool below to buy El Paso, TX auto insurance from insurance companies in your area.

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Frequently Asked Questions: Cheap Car Insurance in El Paso, TX

#1 . How much is a speeding ticket in El Paso, Texas?

One mile over the speeding limit is $184 with an increase of about eight dollars per mile.

#2 . Is EZ Money in El Paso, TX?

Yes, there is a location at 6510 N Mesa St, Suite C.

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

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