How much does car insurance cost in El Paso?
A six-month car insurance policy in El Paso, Texas costs an average of $981 ($164 per month). Our 2022 data shows that Germania Mutual Group is the most affordable company in El Paso, with rates at $693 per six-month policy, coming in well below the city's average.
When it comes to Texas car insurance, El Paso drivers pay slightly less than the statewide average of $993 per policy period, but marginally more than the national average of $742. According to Zebra customers in El Paso, 41% admit to comparing quotes because they feel they are paying to much for their existing car insurance policy. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in El Paso based on common factors like credit score, coverage level and more.
|Car Insurance in El Paso vs. Texas||Avg. 6 Mo. Premium|
|El Paso Average||$981|
The cheapest car insurance companies in El Paso
Germania Mutual Group is the cheapest at $116 per month or $693 for a six-month policy.
In second place is GEICO, which costs $119 per month.
Rounding out the list is Nationwide as the third-cheapest insurance company. On average, a Nationwide policy in El Paso costs $771 per six-month policy.
Are you paying too much for auto insurance?
El Paso car insurance rates by company
Germania Mutual Group takes the top spot for cheapest car insurance company for full coverage in El Paso, with monthly rates at $116 per month or $693 per six-month policy. GEICO comes in second place at $119 per month or $713 for six months.
Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in El Paso, TX
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in El Paso.
Average car insurance in El Paso by rating factor
Car insurance companies determine individual rates based on a series of rating factors that each driver posesses. Rating factors are details about you that determine the amount of risk you pose as an insured driver. These can include, age, gender, location, credit score and more. While most companies use the same rating factors, how much they positively or negatively impact your premium will vary.
Some rating factors are subject to change with time, so the best choice for your car insurance provider could also change. Getting a new quote from time to time is a great way to understand if you're still getting the best rates.
Q: I didn't have an accident — Why is my insurance going up?
A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance in El Paso. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in El Paso.
Auto insurance premiums by age in El Paso
Among the many rating factors considered by insurance companies, age tends to fall among the most important. Typically, drivers of a younger age mean fewer years of experience on the road, leading to high accident rates. Because insurance companies use this data to determine how likely drivers are to get into an accident, teen drivers often face the highest insurance rates. In El Paso, the difference in rates for teen drivers and drivers in their 20s is $1,578; the largest difference between any two age groups.
While this may seem very pricey, insurance companies' main business is risk management. Charging higher rates for teen drivers offsets the cost of paying claims. In other words, it's not personal; it's just business.
Cheapest car insurance companies for teen drivers in El Paso, TX
|Age Bracket||Cheapest Companies||Avg. 6 Mo. Premium|
|20s||Germania Mutual Group||$855|
|30s||Germania Mutual Group||$728|
|40s||Germania Mutual Group||$699|
|50s||Germania Mutual Group||$638|
|60s||Germania Mutual Group||$636|
|70s||Germania Mutual Group||$733|
Auto insurance premiums for minimum coverage in El Paso
Opting for minimum coverage for your vehicle is often the most affordable option, but offers the least protection. Our data tells us that 23% of drivers in El Paso have the state minimum coverage. While this is typically all that is required to comply with state laws, you are at risk of being underinsured, especially if your car is leased or financed.
Most lending associations require leased and financed vehicles to carry "full coverage" insurance. This package refers to the addition of collision coverage or comprehensive coverage on to your car insurance policy. Both of these coverages require a deductible and will increase your rates, but they offer the most broad level of protection.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
In an analysis of our data, 39% of drivers in El Paso have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.
Cheapest car insurance companies for minimum coverage in El Paso, TX
|Coverage Bucket||% of The Zebra Customers|
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
Most of our customers in Houston opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Texas.
|Vehicle Ownership||% of The Zebra Customers|
El Paso car insurance rates by credit score
Credit score is a popular rating factor in car insurance, though some states are banning this practice. Texas still takes credit into consideration when rating car insurance policies. Historically, there is a correlation between lower credit scores and risky driving behaviors, lapses in coverage and claim filing. Each of these results is associated with a higher risk for insurance companies, so these populations pay more in premiums.
In fact, El Paso drivers with poor credit (300-579) pay 108% more than drivers with excellent credit (800-850). Our data tells us most drivers in El Paso have an "Average" or "Good" credit score. In 2022, Germania Mutual Group is the cheapest option for El Paso drivers for this credit range.
Cheapest car insurance companies for bad credit in El Paso, TX
Auto insurance rates with an at-fault accident
The most common types of insurance claims filed are at-fault and collision-type accidents. On average, an at-fault accident will raise your El Paso car insurance rates from $164 to $257 per month. Germania Mutual Group is the most affordable insurance provider in El Paso after an at-fault accident.
The best way to keep your auto insurance premiums low is by keeping a clean driving record, no matter where you live. Avoiding accidents, speeding citations, and citations like DUis and reckless driving will keep rates steady, as all of these infractions result in rate increases. Premiums are impacted for three to five years, depending on the severity (DUIs will follow you for longer).
Cheapest car insurance companies after an at-fault accident in El Paso, TX
El Paso car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in El Paso.
Car insurance rate increases after violations and citations in El Paso, TX
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$990||1%||$9|
|One comp claim||$1,042||6%||$62|
|Failure to show documents||$1,046||7%||$65|
|Driving with expired registration||$1,054||7%||$73|
|Failure to wear a seat belt||$1,060||8%||$80|
|Driving without lights||$1,060||8%||$80|
|Two Med/PIP claims||$1,062||8%||$81|
|Child safety restraint||$1,067||9%||$87|
|Cell phone violation||$1,086||11%||$105|
|Texting while driving||$1,086||11%||$105|
|Speeding 6 - 10 MPH over limit||$1,089||11%||$109|
|Speeding 16 - 20 MPH over limit||$1,089||11%||$109|
|Speeding 11 - 15 MPH over limit||$1,089||11%||$109|
|Driving too slowly||$1,094||12%||$113|
|Speeding in school zone||$1,094||12%||$113|
|Failure to stop at a red light||$1,096||12%||$116|
|In 65 MPH zone||$1,096||12%||$116|
|Speeding 21 - 25 MPH over limit||$1,100||12%||$119|
|Two comp claims||$1,101||12%||$120|
|Wrong way/wrong lane||$1,102||12%||$121|
|Failure to yield||$1,104||13%||$123|
|Following too closely||$1,106||13%||$125|
|Passing school bus||$1,111||13%||$130|
|Operating a vehicle without permission||$1,116||14%||$136|
|At-fault accident - less than $1000||$1,204||23%||$223|
|Driving with a suspended license||$1,361||39%||$381|
|Leaving scene of an accident/hit and run||$1,402||43%||$422|
|At-fault accident - $1000-$2000||$1,538||57%||$557|
|At-fault accident - greater than $2000||$1,543||57%||$563|
|Refusal to submit to a chemical test||$1,559||59%||$579|
Why is car insurance in El Paso so expensive?
El Paso car insurance rates are closely aligned with the Texas statewide average, but still significantly higher than the nationwide average. The higher-than-average rates are due to a variety of factors, including weather risks, driving conditions and traffic stop statistics.
Below you'll find a rundown of why car insurance is expensive in El Paso — regardless of your driving profile.
El Paso is landlocked on the Texas border to Mexico, so it is relatively safe from weather events like hurricanes. Texas, however, is the number one state in the country for hail events. Hail can cause significant damage to vehicles and a higher number of claims related to this peril can drive up insurance costs. Texas is also high on the list of states that experience the most wildfires.
El Paso is the 18th most dangerous city in The United States for pedestrians. This is likely due to roadway design— El Paso's infrastructure is built to move many cars quickly, even at the expense of safety.
Cities with a high number of bad drivers are likely to be more expensive for insurance. In El Paso county, there were almost 160,000 traffic stops in 2022, with over 5,000 resulting in an arrest.
No matter where you live, there are bound to be a host of uninsured drivers. According to our data, about 30% of drivers in El Paso are not currently insured. If you’re hit by an uninsured driver, you could be left paying for the damage yourself.
The Zebra's customers in El Paso by insured status
|Insured Status||% of The Zebra Customers|
|Not Currently Insured||30%|
Bundling insurance policies in El Paso
While we have been seeing car insurance rates increase yearly nationwide, there are still ways to save. One great way to lower your premiums is by exploring each insurance carrier's discount opportunities. One of the most common discounts across all companies is the multi-policy or bundling discount. When shopping for a new car insurance policy, consider bundling your home or renters insurance with the same company. You may be able to save 10% or more on combined premiums depending on the company's offerings. Learn more about bundling home and car insurance.
Cheapest car insurance companies for bundling home and auto insurance in El Paso, TX
While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance in El Paso, Texas?
The average car insurance premium in El Paso is $981 for a six-month policy or $164 per month. This is more than the national average but closer to the Texas state average of $993.
Who has the cheapest auto insurance quotes in El Paso, Texas?
The cheapest insurance company in El Paso is Germania Mutual Group with average rates at $693 for a six-month policy.
Why is Texas auto insurance so expensive?
Texas is an expensive state for car insurance for a variety of reasons. In El Paso, hail damage, pedestrian safety and traffic stop frequency all contribute to the high cost of car insurance.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.