Cheapest Car Insurance In El Paso, TX 2024
In El Paso, State Farm ranks as the most affordable insurer for minimum coverage, charging an average of $27 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Trying to find cheap car insurance in El Paso, TX, can reveal a broad range of price differences.
State Farm leads the way in affordable liability-only coverage, while Texas Farm Bureau shines with the best full coverage rates. Texas Farm Bureau again remains the go-to option for young drivers looking to save.
Cheapest Car Insurance Companies In El Paso, TX
Cheapest Liability-only Car Insurance In El Paso: State Farm
With an average monthly rate of $27, State Farm is the most cost-effective car insurance company for minimum coverage in El Paso.
Check out the table below for a side-by-side comparison of insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $27 | $320 |
| Progressive | $43 | $515 |
| Texas Farm Bureau | $29 | $351 |
| Nationwide | $41 | $490 |
| Allstate | $30 | $360 |
Cheapest Full Coverage Insurance Rates In El Paso: Texas Farm Bureau
In El Paso, Texas Farm Bureau offers full coverage car insurance at the lowest rates, averaging $56 per month.
The table presented below outlines average car insurance quotes from cost-effective insurers in El Paso.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $56 | $690 |
| GEICO | $79 | $950 |
| State Farm | $59 | $708 |
| Allstate | $73 | $870 |
| Progressive | $105 | $1,265 |
Cheapest Car Insurance Rates For Seniors: Allstate
Allstate’s average monthly rate of $64 makes it the most affordable car insurance option for seniors in El Paso.
The table under this text highlights average quotes from affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $64 | $772 |
| GEICO | $78 | $940 |
| State Farm | $70 | $840 |
| AAA | $85 | $1,015 |
| Chubb | $92 | $1,105 |
Cheapest Rates In El Paso For Teenagers: Nationwide
In El Paso, Nationwide offers teenage drivers the lowest average monthly premiums at $159.
The table below features the companies with the most budget-friendly insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $159 | $1,904 |
| GEICO | $235 | $2,820 |
| State Farm | $164 | $1,972 |
| Progressive | $326 | $3,916 |
| Allstate | $534 | $6,409 |
Cheapest Auto Insurance For Young Adults in El Paso: Texas Farm Bureau
In El Paso, young adults can secure the most affordable car insurance from Texas Farm Bureau, with an average premium of $68 per month.
The table below displays the most affordable auto insurance options for young adults in El Paso.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $68 | $819 |
| Nationwide | $103 | $1,233 |
| Mercury | $92 | $1,099 |
| Allstate | $97 | $1,164 |
| State Farm | $74 | $890 |
Cheapest Car Insurance In El Paso For Good Drivers: State Farm
Safe drivers in El Paso will find State Farm to have the lowest car insurance quotes, averaging $27 monthly.
The table below provides average quotes from the most affordable insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $27 | $320 |
| Progressive | $43 | $515 |
| Texas Farm Bureau | $29 | $351 |
| Nationwide | $41 | $490 |
| Allstate | $30 | $360 |
Cheapest Car Insurance In El Paso After A Speeding Ticket: Texas Farm Bureau
For drivers who have a speeding ticket, Texas Farm Bureau offers competitive rates in El Paso, averaging $58 per month.
The table beneath shows the typical rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $58 | $698 |
| Mercury | $97 | $1,169 |
| State Farm | $59 | $705 |
| Allstate | $76 | $908 |
| AAA | $111 | $1,330 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm offers the best rates for drivers with an at-fault incident, with an average monthly cost of $71.
The following companies offer the cheapest car insurance rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $71 | $850 |
| Chubb | $159 | $1,910 |
| AAA | $123 | $1,475 |
| GEICO | $113 | $1,360 |
| Allstate | $114 | $1,367 |
Cheapest Rates In El Paso For Drivers After A DUI: Mercury
After a DUI, drivers in El Paso can get the cheapest car insurance from Mercury, with an average cost of $91 per month.
You can find the best rates for El Paso drivers with a DUI in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $91 | $1,090 |
| AAA | $127 | $1,525 |
| State Farm | $102 | $1,220 |
| GEICO | $139 | $1,672 |
| Allstate | $118 | $1,420 |
Best Car Insurance Companies In El Paso
State Farm offers the most affordable car insurance in El Paso at $27 per month, but you can also explore Texas Farm Bureau at $29 or Allstate at $30.
Below is a list of the top 10 car insurance companies in El Paso, TX, ranked by their average monthly cost.
| Company | Monthly Premium |
| State Farm | $27 |
| Progressive | $43 |
| Texas Farm Bureau | $29 |
| Nationwide | $41 |
| Allstate | $30 |
| AAA | $42 |
| Chubb | $53 |
| Mercury | $30 |
| Foremost | $56 |
| Dairyland | $84 |
Average Auto Insurance Rates In El Paso – By Age
The age of a driver is a major factor in car insurance rates. Younger, less experienced drivers usually face higher premiums because of their increased risk of accidents and violations. Teens typically pay about $5,040 annually for car insurance.
Once drivers are 25, their car insurance rates usually decrease, provided they have a good driving record.
The most competitive car insurance rates are usually given to drivers in their 50s and early 60s, with age being a key factor in determining experience and risk for premium calculation.
| Age | Average Yearly Rate |
| Teenagers | $5,040 |
| 20s | $2,766 |
| 30s | $1,630 |
| 40s | $1,500 |
| 50s | $1,380 |
| 60s | $1,276 |
| 70s | $1,512 |
Average Rates In El Paso – By Vehicle
Insurance companies consider factors like your car’s make, model, year, and body type when calculating rates. Generally, newer vehicles, especially luxury ones with advanced technology and higher replacement costs, come with higher premiums.
The table below lists the average car insurance premiums in El Paso for various vehicle types.
| Vehicle | Average Monthly Rate |
| Toyota Corolla | $82 |
| Kia Soul | $87 |
| Chrysler 300c | $402 |
| Chevrolet Cruze | $120 |
| Honda CRV | $420 |
How Much Is Car Insurance In Other Cities In Texas?
Where you live plays a key role in determining your insurance rates. Urban areas, with their higher rates of accidents, theft, and vandalism, often see higher premiums.
As an example, car insurance costs around $172 per month in Baytown, whereas residents of Alpine typically pay $130 per month.
| City | Average Monthly Rate |
| Midland | $147 |
| Sherman | $149 |
| Beaumont | $170 |
| Arlington | $170 |
| Laredo | $161 |
| Abilene | $142 |
| Fort Worth | $155 |
| Baytown | $172 |
| Irving | $168 |
| Alpine | $130 |
Average Cost Of Auto Insurance In El Paso – By Zip Code
Insurers take crime rates into account based on your zip code, which is why car insurance costs can differ from one zip code to another.
Use the table below to compare the average insurance premiums for various zip codes across El Paso.
| City | Average Monthly Rate |
| 79927 | $146 |
| 79907 | $180 |
| 79938 | $184 |
| 79911 | $90 |
| 79916 | $164 |
Our Methodology
Leveraging a complete analysis of factors like customer service quality, product range, pricing, and detailed evaluations from online reviews and user experiences, I’ve developed a comprehensive outlook on car insurance providers in El Paso, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in El Paso?
State Farm offers the most affordable minimum coverage car insurance in El Paso, while Texas Farm Bureau provides the best rates for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in El Paso?
In El Paso, you can expect to pay an average of $160 per month for car insurance, though your rate may differ depending on your zip code, the year and model of your car, and your driving history.
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