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El Paso Car Insurance

How much does car insurance cost in El Paso, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in El Paso?

El Paso is a city located in western Texas. Museum-goers have their pick of museums in El Paso. There is the El Paso Museum of Art, the El Paso Holocaust Museum and Study Center, the El Paso Museum of History and the El Paso Museum of Archeology. For those who love gardens, there is the El Paso Municipal Rose Garden and the Chihuahuan Desert Garden with more than 600 native plants. For animal lovers of all ages, there is the El Paso Zoo. For those who love the outdoors, there is the Wyler Aerial Tramway. The tramway is located in Franklin Mountains State Park and offers views of the east side of the Franklin Mountains. After a ride with the tramway, you can climb and hike in the state park. El Paso is host to a number of festivals such as the Hueco Rock Rodeo, the Neon Desert Music Festival, an international balloon festival and a classic film festival. El Paso also is home to the University of Texas El Paso. There is a bus system to get around town in El Paso but it is nice to drive. Are you looking for ways to save money on car insurance? SmartFinancial can show you the way. With access to more than 200 insurance companies, you're bound to find the low rate you are looking for when you search with SmartFinancial. Now let's look at what you need to know about car insurance in El Paso.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in El Paso typically pay around $107.00 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
El Paso, Texas $107.00

El Paso, TX Best Car Insurance Companies

car insurance in El Paso

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Jupiter Auto Insurance generally has the most affordable car insurance in El Paso coming in around $1.00 per month. Other companies to consider if you live in El Paso is Direct Auto with an average cost of $91.36 per month and Clearcover which typically runs around $96.44 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in El Paso.

RankCompanyAverage Monthly RateComparison State Average
1 Jupiter Auto Insurance $1.00-99.14%
2 Direct Auto $91.36-21.06%
3 Clearcover $96.44-16.68%
4 Texas Farm Bureau Group $106.39-8.07%
5 USAA $115.860.11%
6 State Farm $116.450.62%
7 Esurance $160.9239.04%
8 Mercury Insurance $177.6053.45%
9 Safeco $180.9456.34%
10 National General $186.3361.00%

How Much is Car Insurance in El Paso, TX?

how much is auto insurance in El Paso

Rates can vary from city to city. The residents of Austin typically pay $113.29 per month while people who live in Dallas will pay $118.58 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.29
Dallas $118.58
El Paso $106.92
Houston $137.56
San Antonio $118.73

Cheap Car Insurance in El Paso by Zip Codes

find cheap auto insurance in El Paso

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

El Paso, TX ZIP CodeAverage Monthly Rate
79901$72.02
79902$87.72
79903$120.58
79904$101.64
79905$89.55
79906$142.12
79907$100.35
79908$113.93
79911$93.63
79912$98.41
79914$147.33
79915$93.10
79916$162.88
79917$51.00
79918$178.03
79922$106.29
79924$96.57
79925$104.14
79927$110.76
79928$121.68
79930$103.67
79932$94.10
79934$105.35
79935$96.70
79936$110.28
79938$114.61
79968$59.33
79995$56.52
88541$1.00

Car Insurance Rates by Driver's Age Group in El Paso

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $237.01 per month in El Paso. Compare that to drivers in their 30’s who typically pay around $88.31 per month drivers in their 40s at $78.79 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$237.01
20s$132.87
30s$88.31
40s$78.79
50s$69.77
60s$76.04
70+$90.19

Cheapest Insurance for Teenage Drivers in El Paso

If you are teen in El Paso you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $179.14 per month. This is likely the most affordable option in El Paso. You might also want to consider USAA and Texas Farm Bureau Group who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$179.14
USAA$204.75
Texas Farm Bureau Group$241.59
State Farm$281.08
Encompass$405.47

Cheapest Insurance for 20 Year-olds in El Paso

20 year-olds in El Paso might want to consider Jupiter Auto Insurance who, on average, offers car insurance rates around $1.00 per month. Direct Auto , Clearcover , Texas Farm Bureau Group and USAA are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Jupiter Auto Insurance$1.00
Direct Auto$106.75
Clearcover$128.54
Texas Farm Bureau Group$131.99
USAA$139.28

Cheapest Insurance for 30 Year-olds in El Paso

If you are in your 30s in El Paso our research has found that Direct Auto typically has the most affordable coverage coming in around $72.99 per month, followed by Texas Farm Bureau Group at $90.48 and State Farm at $94.90.

CompanyAverage Monthly Rate
Direct Auto$72.99
Texas Farm Bureau Group$90.48
State Farm$94.90
Clearcover$98.59
USAA$103.41

Cheapest Insurance for 40 Year-olds in El Paso

On average, Direct Auto offers car insurance for 40 year-olds in El Paso for around $65.31 per month. If you are looking for affordable coverage, you may also want to consider Texas Farm Bureau Group or Clearcover. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$65.31
Texas Farm Bureau Group$82.12
Clearcover$89.69
State Farm$90.62
USAA$93.05

Cheapest Insurance for 50 Year-olds in El Paso

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In El Paso we found that Direct Auto generally offers the most affordable coverage at $57.78 per month.

CompanyAverage Monthly Rate
Direct Auto$57.78
Mercury Insurance$61.50
Texas Farm Bureau Group$71.98
Clearcover$74.22
State Farm$81.00

Cheapest Insurance for 60 Year-olds in El Paso

If you live in El Paso and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $49.50 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$49.50
Direct Auto$64.10
Texas Farm Bureau Group$66.70
State Farm$74.84
USAA$82.54

Driver's Coverage Auto Insurance Rates in El Paso, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In El Paso, the average monthly rate for a driver who is currently insured is $103.63 while drivers who are not currently covered will pay around $109.12.

CoverageAverage Monthly Rate
Not Currently Insured $109.12
Currently Insured $103.63

Compare Recent Car Insurance Quotes in El Paso

auto insurance quotes in El Paso city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In El Paso a driver of a 2005 Saturn Relay can expect to pay around $36.16 per month while someone that owns a 2005 Saturn Relay may pay around $36.16 per month. Check out the list of recent quotes in El Paso below.

VehicleAverage Monthly Rate
2005 Saturn Relay$36.16
2005 Saturn Relay$36.16
2005 Saturn Relay$27.49
2005 Saturn Relay$34.43
2015 Mitsubishi Outlander$208.55
2015 Chevrolet Camaro$124.43
2018 Honda Clarity$265.97
2014 Nissan Versa$73.70
2014 Volkswagen Tiguan$99.19
2014 Bmw 328$132.02

FAQ's for Drivers in El Paso, TX

driver’s frequently asked question in El Paso

El Paso Auto Insurance Requirements

You are required to have auto liability insurance coverage to drive a car in El Paso.

What is the Minimum Amount of Liability Coverage Requirement in El Paso?

$30,000 bodily injury and death liability coverage per person

$60,000 bodily injury and death liability coverage per accident

$25,000 property damage liability coverage

What is the Blood Alcohol Concentration (BAC) Limit in El Paso?

The legal blood alcohol content (BAC) level is .08% in the state of Texas. This limit is the same for every state. In Texas, if you are caught driving while drunk or intoxicated and your BAC level is .08% or higher, you may be convicted of a DWI. A DWI brings penalties of up to a $2,000 fine, up to 180 days in jail and the loss of your driver's license for up to a year. Getting convicted of a DWI will raise your auto insurance rate. But there are still ways to find lower rates with help from SmartFinancial. So don't hesitate to reach out. Insurance rates for a DWI vary between companies. You're looking for a company that will give you the best rate. SmartFinancial can help you find it.

Can I Register My Car Without Insurance in El Paso?

When your registration on your car is valid, your liability insurance coverage must be current as well. This is true even if you do not use the car. Your car insurance must be issued by an insurance company authorized by the Texas Department of Insurance and certified by the Texas State DMV. And there's more. The insurance for your car must be issued in the name of the vehicle registrant. So those two pieces of information need to be consistent. You want the same name on the car insurance as is on the vehicle registration.

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Commute Time in El Paso, TX

22.7 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in El Paso, TX

98

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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