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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
Texas Average $993
Updated: 02/03/23.

The cheapest car insurance companies in El Paso

1st place medal
1st place: Germania Mutual Group

Germania Mutual Group is the cheapest at $116 per month or $693 for a six-month policy.

2nd place medal
2nd place: GEICO

In second place is GEICO, which costs $119 per month.

3rd place medal
3rd place: Nationwide

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.

The Zebra's key takeaways about car insurance in El Paso:

  • The average cost of a car insurance policy in El Paso is $981 per six-month policy — $164 per month.
  • The cheapest company in El Paso is Germania Mutual Group ($693).
  • El Paso is aligned with the Texas average for car insurance.
  • 41% of Zebra customers in El Paso stated they used our product because they were paying too much for car insurance with their current provider.

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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
Company Avg. 6 Mo. Premium
Germania Mutual Group $693
GEICO $713
Nationwide $771
State Farm $832
USAA $926
Progressive $1,059
Allstate $1,315
Updated: 02/03/23.

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.

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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
Company Avg. 6 Mo. Premium
Germania Mutual Group $1,656
GEICO $1,743
USAA $1,974
State Farm $2,663
Nationwide $2,683
Progressive $4,860
Allstate $5,431
Updated: 02/03/23.
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

Zebra Tip: The cheapest companies for El Paso drivers between 20-40 are Nationwide, Germania Mutual Group and GEICO


Our data tells us that drivers between the ages of 20-40 make up the bulk of El Paso drivers. On average, this group pays $1,114 every six months. By going with these companies, these groups can potentially save 24%.

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.

Roadside assistance or uninsured motorist coverage are other optional coverages worth considering. They will add on to your insurance premiums, but can save you in a pinch if disaster strikes.

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
Company Avg. 6 Mo. Premium
Germania Mutual Group $256
GEICO $257
Allstate $306
USAA $314
State Farm $359
Nationwide $374
Progressive $407
Updated: 02/03/23.
Coverage Bucket % of The Zebra Customers
Minimum 23%
Basic 43%
Better 23%
Best 10%
  • 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
Owned 39%
Leased 56%
Financed 4%

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.

car insurance in el paso by credit score
Cheapest car insurance companies for bad credit in El Paso, TX
Company Avg. 6 Mo. Premium
GEICO $1,084
Nationwide $1,191
Germania Mutual Group $1,275
State Farm $1,704
USAA $1,854
Progressive $1,863
Allstate $1,999
Updated: 02/03/23.

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


In El Paso, our data shows drivers with "Fair" credit pay $980 less for car insurance in a year than drivers with "Poor" credit. If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!

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
Company Avg. 6 Mo. Premium
Germania Mutual Group $869
State Farm $999
GEICO $1,025
Nationwide $1,254
USAA $1,400
Progressive $1,516
Allstate $2,010
Updated: 02/03/23.

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
None $981 0% $0
One Med/PIP claim $990 1% $9
One comp claim $1,042 6% $62
Not-at-fault accident $1,044 7% $64
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
Improper passing $1,099 12% $119
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
Illegal turn $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
Racing $1,362 39% $381
Reckless driving $1,381 41% $401
Open container $1,383 41% $402
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
DUI $1,578 61% $597
Updated: 02/03/23.

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.

weather
Weather patterns

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[1]. 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[2].

drivers
Drivers and pedestrian statistics

El Paso is the 18th most dangerous city in The United States for pedestrians[3]. This is likely due to roadway design— El Paso's infrastructure is built to move many cars quickly, even at the expense of safety. 

yield sign
Traffic stop data

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[4].

Uninsured drivers

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
Currently Insured 70%
Not Currently Insured 30%

Zebra Tip: Consider uninsured property damage coverage


In cities or ZIP codes with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (also called UMPD). This coverage will provide assistance to you if you or your vehicle are damaged by an underinsured or uninsured driver. This coverage typically has a lower deductible and is cheaper than collision. Plus, the rate increase after a UMPD claim can be hundreds of dollars cheaper than a collision claim.


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.

bundling home and auto insurance in El Paso
Cheapest car insurance companies for bundling home and auto insurance in El Paso, TX
Company Avg. 6 Mo. Premium
Germania Mutual Group $592
GEICO $668
Nationwide $694
State Farm $699
USAA $848
Progressive $895
Allstate $1,098
Updated: 02/03/23.

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!

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Frequently asked questions

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.

The cheapest insurance company in El Paso is Germania Mutual Group with average rates at $693 for a six-month policy.

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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How much is car insurance near me? — explore more cities near El Paso, TX


Recently answered questions about car insurance in El Paso from real Zebra customers

Car insurance near me in El Paso

If I have an open claim on a totaled car, how do I handle the insurance?

There's a couple of things to think about. First, canceling the coverage on this vehicle will not cancel the claim.
Jan 17, 2019 El Paso, TX

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.
Jun 21, 2018 El Paso, TX

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.