Although average auto insurance costs are below the national average in El Paso, finding cheap coverage may still be top of mind for many drivers. According to our research, Geico, State Farm and Nationwide are three of the cheapest auto insurance providers in El Paso, Texas. In El Paso, average annual rates for auto insurance are $1,948 for full coverage and $488 for minimum coverage. Bankrate’s insurance editorial team identified five carriers with cheaper average full coverage rates.


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Best cheap car insurance companies in El Paso

Bankrate’s insurance editorial team began the search for the cheapest companies in El Paso by analyzing rate data from Quadrant Information Services for the best carriers in Texas. Based on our assessment, Geico, State Farm and Nationwide offer the cheapest average rates in the state without sacrificing coverage options, customer service or financial strength.

We rounded out our list of the best cheap auto insurance companies in El Paso by looking at customer satisfaction scores from J.D. Power, financial strength ratings from AM Best, available discounts, breadth of coverage and — of course — affordability. Using that information, we rated each company on a five-point scale to assign Bankrate Scores. Our Bankrate Scores may help shoppers quickly identify whether a cheap carrier in El Paso could meet their coverage needs.

Insurance company Bankrate Score J.D. Power score (Texas) Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.4 843/1,000 $1,446 $380
State Farm 4.2 851/1,000 $1,378 $408
Nationwide 3.9 Not Rated $1,598 $533
Mercury 3.2 Not Rated $1,369 $389
Esurance 3.2 Not Rated $1,280 $391


Geico offers average rates below the El Paso average, plus policyholders may be able to lower their premiums with additional discounts for students, professional affiliation, military service, telematics participation and more. Geico’s robust website and mobile app allow for easy policy management on the go, but the carrier does not underwrite its own home or life insurance, so it may not be the best option for shoppers looking to bundle policies with a single underwriter.

Learn more: Geico Insurance review

State Farm

State Farm has over 40 insurance agents in El Paso, which may contribute to its high J.D. Power satisfaction score in the region. El Paso drivers may be able to build a more robust policy with State Farm with potential endorsements for ridesharing, car rental and travel expenses, and roadside assistance. However, the carrier does not offer gap insurance, and accident forgiveness coverage must be earned with demonstrated safe driving.

Learn more: State Farm Insurance review


Nationwide may not be the cheapest carrier on our list, but it offers a broad range of coverage options, and its average full coverage rates are still below the city average. You may be able to personalize your coverage with accident forgiveness, roadside assistance, vanishing deductible and a total loss deductible waiver. The company also offers several discounts that might help you lower your premium, such as potential savings for being accident-free, a good student, having a vehicle with certain safety equipment and signing up for automatic payments.

Learn more: Nationwide Insurance review


Mercury is a smaller insurance company that only writes policies in 11 states, including Texas. As a small carrier, Mercury does not offer as many endorsements as some larger competitors, but it does offer rideshare coverage and roadside assistance. Low-mileage drivers may particularly appreciate Mercury’s RealDrive pay-per-mile insurance option. Mercury is not scored in the Texas region of J.D. Power’s customer satisfaction study, so you may want to speak with existing policyholders about their experience before purchasing coverage.

Learn more: Mercury Insurance review


Esurance is a digital insurance company backed by Allstate, with some of the lowest average rates in El Paso for auto insurance. As a digital company, Esurance has an easy-to-use website and mobile app that may appeal to drivers who prioritize virtual policy management. The company offers standard coverage types as well as several additional options like roadside assistance and gap insurance. Esurance did not rank on the 2022 J.D. Power study and Allstate came in below the segment average, so you may want to speak with existing policyholders before purchasing coverage.

Learn more: Esurance Insurance review

How to get and keep the cheapest car insurance in El Paso

When it comes to finding and keeping the cheapest car insurance in El Paso, there are several ways you might go about it. While the tips below aren’t the only ways to find and keep the cheapest car insurance in El Paso, they may be a good starting point.

  • Shop around and compare rates: Obtaining free quotes from multiple car insurance companies may help you to identify which will offer the lowest rates for you for the coverage you want. Specifying the same coverage types and limits may help ensure your comparisons are as accurate as possible.
  • Maintain a clean driving record: Car insurance carriers typically see accidents and tickets as an indication of risky driving and raise rates as a result. Avoiding driving infractions may help keep your rates low over time, even if you already have a mark or two on your driving record.

Frequently asked questions

    • The best car insurance company largely depends on your personal needs and preferences. Even though some insurers may seem more popular than others, comparing coverage options and quotes is likely the best way to figure out which carrier is optimal for you.
    • According to Quadrant Information Services, the average cost of car insurance in El Paso is $1,948 for full coverage and $488 for minimum coverage. This is slightly cheaper than the annual national average for auto insurance, which is $2,014 for full coverage and $622 for minimum coverage. This is also cheaper than the Texas state averages, which are $2,019 and $565 for the same coverage types.
    • Texas law requires that all drivers in the state maintain at least minimum coverage auto insurance. In Texas, this requires holding $30,000 in bodily injury liability per person and $60,000 per accident, plus $25,000 in property damage liability per accident.
  • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

    These are sample rates and should only be used for comparative purposes.