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Best cheap car insurance in El Paso for 2025

Updated Apr 23, 2025
Drivers looking for cheap car insurance in El Paso should consider getting quotes from Geico, Mercury and USAA.
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The best car insurance companies in El Paso

To find the best car insurance companies for drivers in El Paso, Bankrate’s insurance editorial team started by analyzing the latest rate data available from Quadrant Information Services. We also looked at customer satisfaction scores from J.D. Power’s auto insurance studies, financial strength ratings from AM Best and the breadth of coverage, discounts and digital tools companies offer. Each insurer was assigned a Bankrate Score on a five-point scale to quickly capture its strengths — and weaknesses — for drivers in Texas.

Best for savings

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. min coverage premium

$439

Min. coverage

Avg. full coverage premium

$1,780

Full coverage

Why Geico made our list: Geico ranks among the best auto insurance carriers of 2025. A strong suite of digital tools and overall affordable rates for most drivers could make it a good choice for anyone looking for no-fuss auto insurance on a budget. Plus, Geico scored above the Texas average in the regional segment of the J.D. Power 2024 U.S. Auto Insurance Study.

Why Geico may be best for savings: Our research shows Geico is one of the most affordable options for local drivers, with an average annual rate of just $439 for minimum coverage in El Paso. While actual rates vary based on driver profile, Geico offers several discounts like savings for vehicle safety equipment, driver education and customer loyalty.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 653/1,000
AM Best Rating A++
Read full review
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Best for local agents

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. min coverage premium

$572

Min. coverage

Avg. full coverage premium

$2,199

Full coverage

Why State Farm made our list: State Farm offers average rates below Texas’ state average. In addition, the company ranked third in Texas in J.D. Power’s 2024 U.S. Auto Insurance Study. State Farm was also ranked in both sections of the J.D. Power 2024 U.S. Insurance Digital Experience Study, where it scored above average for service and below average for shopping. 

Why State Farm may be best for local agents: While its digital tools are among the industry's best, State Farm maintains an extensive base of local agents in El Paso. If you prefer to buy insurance from an individual agent in your area, State Farm might be an ideal fit.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 654/1,000
AM Best Rating A++
Read full review
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Best for military-focused coverage

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. min coverage premium

$516

Min. coverage

Avg. full coverage premium

$1,813

Full coverage

Why USAA made our list: USAA stands out for below-average rates, strong customer satisfaction scores and unique coverage options tailored to active-duty military, veterans and their qualifying family members. Although its narrow eligibility criteria disqualified it for an official ranking in the J.D. Power U.S. Auto Insurance Study, it outscored every other carrier in Texas for customer satisfaction.

Why USAA may be best for military-focused coverage: USAA offers a wide range of discounts, coverage options and additional services. Vehicle storage discounts, emergency deployment discounts and deployment assistance can simplify military life and lower costs for service families.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 710/1,000
AM Best Rating A++
Read full review
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Best for high-value cars

Bankrate Score

Rating: 4 stars out of 5
4

Avg. min coverage premium

$1,045

Min. coverage

Avg. full coverage premium

$3,558

Full coverage

Why Chubb made our list: Let’s get it out of the way: if you’re looking for the cheapest auto coverage, Chubb may not be your best pick. But Chubb’s above-average rates pair with a serious commitment to quality coverage and excellent customer service, as reflected in the company’s Bankrate Score. Chubb targets a high-income client base, including owners of collector cars, and offers 24/7 claims service.

Why Chubb may be best for high-value cars: Chubb’s Masterpiece auto insurance policy stands out, with perks like guaranteed OEM coverage and rental reimbursement with no per-day limit (up to $15,000 total). Chubb also offers classic car coverage for vehicles at least 30 years old, with agreed value coverage and no mileage limit for hobby use.

Scores and Ratings
Bankrate Score 4
AM Best Rating A++
Read full review
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Best for usage-based insurance

Bankrate Score

Rating: 4 stars out of 5
4

Avg. min coverage premium

--

Min. coverage

Not available

Avg. full coverage premium

--

Full coverage

Not available

Why Nationwide made our list: Nationwide offers a wide range of auto insurance options, from extensive discounts to policy customization features like vanishing deductibles and accident forgiveness. Based on our research, Nationwide scores close to the industry average in most J.D. Power studies, but average premiums are not available for comparison.

Why Nationwide may be best for usage-based insurance: Nationwide offers two different usage-based insurance programs: SmartRide, which offers potential discounts based on safe driving habits tracked by a telematics app; and SmartMiles, a pay-per-mile insurance program that offers low monthly rates based on your driver profile and mileage.

Scores and Ratings
Bankrate Score 4
J.D. Power 639/1,000
AM Best Rating A+
Read full review
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Bankrate's trusted insurance industry expertise

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

The cheapest car insurance companies in El Paso

According to our research, the three cheapest car insurance companies in El Paso are Geico, Mercury and USAA, with Geico customers paying just $37 per month for minimum coverage. To help broaden your search for cheap car insurance in El Paso, we’ve included more cheap Texas auto insurers in the table below.

$439
$1,780
$516
$1,813
$562
$2,050
$495
$2,076
$572
$2,199

How much is car insurance in El Paso, Texas?

On average, drivers in El Paso, Texas pay $2,536 per year for full coverage and $650 for state minimum coverage. By comparison, the Texas state average is $2,642 per year for full coverage, and the national average rate is $2,685 per year. In other words, El Paso residents pay 4 percent less for car insurance, on average, than other Texans.

El Paso rates for teens

Teens in El Paso pay higher rates due to lack of driving experience and a statistically increased risk of accidents and insurance claims. An 18-year-old El Paso driver on their own policy pays 173 percent more per year for full coverage than the average adult driver, and 221 percent more for state minimum coverage. To avoid impractically high rates, it’s best for teen drivers to stay on their parents’ policy until they move to a separate permanent address. Average annual rates for an 18-year-old on their parents’ full coverage policy are just $4,349, compared to $6,916 per year for a standalone policy.

Coverage type
$1,092
$981
$1,189
$1,057
$1,221
$896
$1,289
$1,059
$1,448
$1,505
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
$3,738
$3,412
$3,854
$3,457
$3,878
$3,342
$4,072
$2,867
$4,369
$3,722
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

El Paso rates for young drivers

While rates tend to stabilize once drivers reach their 20s, young adults in El Paso still pay higher premiums for auto insurance compared to middle-aged adults. A 25-year-old El Paso driver pays $3,266 per year for full coverage, on average. That’s 26 percent more than a 35-year-old driver, but 24 percent less than a 21-year-old driver.

Coverage type
$1,027
$531
$1,098
$631
$1,133
$612
$1,189
$703
$1,701
$1,082
$3,635
$2,188
$3,801
$2,088
$3,932
$2,431
$4,240
$2,856
$5,121
$2,434

El Paso rates for adults

In adulthood, El Paso car insurance rates typically trend lower as long as drivers maintain a clean driving record. Average full coverage rates for a 30-year-old driver are $2,735 per year, but you can expect to pay 12 percent less, on average, when you reach your 50s.

Coverage type
$442
$439
$423
$548
$516
$489
$555
$562
$525
$555
$495
$481
$568
$572
$559
$1,802
$1,780
$1,680
$1,971
$1,813
$1,690
$2,223
$2,050
$1,983
$2,257
$2,199
$2,117
$2,380
$2,076
$1,938

El Paso rates for senior drivers

Seniors typically pay the lowest rates for auto insurance in El Paso, with 60-year-olds paying 10 percent less and 70-year-olds paying 4 percent less than the citywide average for adult drivers. But keep in mind that a few factors impact auto insurance rates for seniors: first, your individual driving record could raise or lower your rates, and second, seniors over age 70 may start to see rates climb again due to a higher chance of serious injury.

Coverage type
$411
$510
$437
$553
$493
$621
$515
$609
$533
$583
$411
$1,770
$493
$1,881
$437
$2,019
$515
$2,141
$533
$2,055
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The cheapest car insurance in El Paso by driving record

A good driving record is key to keeping low-cost auto insurance in El Paso, TX, as your individual driving record is one of the biggest rating factors that impact the cost of your car insurance in El Paso. While drivers with clean records pay an average of $2,536 per year for full coverage, your actual rates could be higher if you have a violation or at-fault accident in your driving history, particularly if it’s from the last three to five years. Marks on your driving record indicate a higher risk of claims, so insurance companies charge more for these drivers.

Car insurance with a speeding ticket in El Paso

El Paso drivers with a Texas speeding ticket conviction pay 12 percent more for full coverage than drivers with clean records. On average, car insurance after a speeding ticket costs $2,831 per year for full coverage and $726 per year for state minimum coverage in El Paso.

$483
$1,980
$581
$2,053
$637
$2,651
$654
$2,416
$680
$2,832

Car insurance after an accident in El Paso

If you’ve been found at fault in an auto accident in El Paso, expect your rates to go up at your next policy renewal. According to our research, El Paso drivers with a single at-fault accident on their driving record pay approximately 52 percent more for full coverage than the citywide average for drivers with clean records.

$603
$2,429
$740
$2,626
$862
$2,871
$884
$3,159
$978
$3,773

Car insurance after a DUI in El Paso

A DUI is a serious moving violation that carries fines up to $2,000 and possible jail time up to 180 days for a first conviction. Multiple convictions can impose even greater penalties, including possible felony charges — and any conviction for driving while intoxicated (DWI) will raise your auto insurance rates. On average, El Paso drivers with a single DUI conviction pay $3,897 per year for full coverage — 69 percent more than the citywide average.

$650
$2,403
$663
$2,645
$670
$2,516
$998
$3,362
$1,224
$4,663
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Minimum coverage requirements in El Paso

In Texas, all drivers must carry at least the following minimum car insurance:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Your insurance company must also offer two additional forms of coverage: uninsured/underinsured motorist coverage and personal injury protection (PIP). Most insurance professionals recommend accepting this coverage, as it provides valuable financial protection in the event of an accident, but you can reject it in writing without violating Texas insurance laws.

Frequently asked questions

Methodology

 

Rates

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor, Insurance