Best El Paso, TX Auto Insurance in 2025 (Check out the Top 10 Companies)
The best El Paso, TX auto insurance comes from State Farm, Farmers, and Allstate, starting at $39 monthly. State Farm has the lowest rates, Farmers offers broad coverage, and Allstate provides top bundling discounts. Comparing quotes and discounts helps drivers secure affordable car insurance in El Paso.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Mar 18, 2025
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18,154 reviewsCompany Facts
Full Coverage in El Paso TX
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
3,072 reviewsCompany Facts
Full Coverage in El Paso TX
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviews
11,638 reviewsCompany Facts
Full Coverage in El Paso TX
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsThe best El Paso, TX auto insurance providers in 2025 are State Farm, Farmers, and Allstate. State Farm offers the lowest rates from $39 per month. Farmers provide comprehensive coverage, while Allstate offers top bundling discounts.
Despite Texas’ low minimum car insurance requirements, El Paso’s accident rates and auto theft make full coverage essential. Comparing quotes and maximizing discounts can help drivers secure the best rates.
Get a start on finding reasonable rates from auto insurance companies in El Paso, TX, by typing your ZIP code into our free, helpful tool above.
Our Top 10 Company Picks: Best El Paso, TX Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Many Discounts | State Farm |
 | #2 | 20% | A | Local Agents | Farmers |
 | #3 | 25% | A+ | Add-on Coverages | Allstate |
 | #4 | 13% | A++ | Accident Forgiveness | Travelers |
 | #5 | 20% | A+ | Usage Discount | Nationwide |
 | #6 | 25% | A+ | 24/7 Support | Erie |
 | #7 | 10% | A++ | Military Savings | USAA |
 | #8 | 25% | A++ | Custom Plan | Geico |
 | #9 | 25% | A | Customizable Polices | Liberty Mutual |
 | #10 | 15% | A | Online App | AAA |
- Best El Paso, TX Auto Insurance includes State Farm, Farmers, Allstate
- Full coverage matters due to high accidents and auto theft risks
- State Farm has the lowest rates starting at $39 per month
#1 – State Farm: Top Overall Pick
Pros
- Extensive Insurance Savings: State Farm offers a range of insurance discounts, which allow city-state motorists to save.
- Well-Established Local Insurance Network: Numerous agents help city-state residents obtain custom insurance policies.
- Affordable Insurance Premiums: State Farm provides affordable insurance without sacrificing protection in City states.
Cons
- Moderate Insurance Financial Rating: With a “B” rating, some city-state drivers may doubt its long-term stability. Our article “State Farm Auto Insurance Review” dives into the details.
- Basic Digital Insurance Features: The online platform lacks advanced tools compared to other city-state insurance providers
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#2 – Farmers: Best for Local Agents
Pros
- Personalized Insurance Support: Farmers’ local agents give city-state drivers hands-on insurance assistance and guidance.
- Diverse Insurance Coverage Options: Drivers in City-states can tailor policies with unique insurance add-ons for better protection.
- Loyalty-Based Insurance Perks: Long-term policyholders in City states receive exclusive insurance rewards for staying with Farmers.
Cons
- Higher Insurance Premiums: Farmers’ insurance rates can be more costly for city-state drivers than their competitors.
- Slower Insurance Claims Processing: Some city-state policyholders report delays in resolving insurance claims. Delve into the specifics in our article called “Farmers Auto Insurance Review.”
#3 – Allstate: Ideal for Add-on Coverages
Pros
- Tailor-made Insurance Riders: City-state motorists can leverage accident forgiveness and safe-driving incentives to maximize insurance policies.
- High Insurance Bundling Discounts: Allstate offers substantial discounts when bundling multiple insurance policies in City states.
- Strong Financial Insurance Stability: An A+ rating makes Allstate a dependable insurance option for city-state drivers. Enhance your knowledge by reading our “Allstate Auto Insurance Review.”
Cons
- Above-Average Insurance Prices: Allstate’s premiums may be more expensive than those of other city-state providers.
- Strict Insurance Claim Evaluations: Some city-state drivers find Allstate’s claim approval process more rigid than expected.
#4 – Travelers: Best for Accident Forgiveness
Pros
- Generous Insurance Accident Forgiveness: City-state drivers can avoid rate hikes after their first insurance claim. Find out more by reading our article titled “Travelers Auto Insurance Review.”
- Highly Rated Insurance Financial Strength: With an A++ rating, Travelers is a reliable insurance provider in the City states.
- Strong Insurance Roadside Assistance: Travelers offers excellent emergency services for stranded drivers in City states.
Cons
- Fewer Local Insurance Agents: In some City states, drivers may struggle to find in-person insurance support when needed.
- Complex Insurance Discount Eligibility: Qualifying for insurance discounts can be tricky for customers in the City States.
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#5 – Nationwide: Best for Usage Discount
Pros
- Competent Insurance Usage-Based Savings: City-state drivers who drive less can save big with Nationwide’s telematics.
- Intense Insurance Customer Satisfaction: Nationwide ranks well in City states for customer service and claims handling.
- Broad Insurance Policy Flexibility: City-state drivers can adjust insurance coverage levels to fit their needs. Broaden your knowledge with our article named “Nationwide Auto Insurance Review.”
Cons
- Fewer Insurance Coverage Add-ons: City-state drivers seeking niche insurance protections may need another provider.
- Not the Cheapest Insurance Rates: While offering discounts, Nationwide’s insurance prices can be high for city-state drivers.
#6 – Erie: Best for 24/7 Support
Pros
- Round-the-Clock Insurance Support: Erie provides 24/7 claims and customer service, perfect for city-state drivers.
- Guaranteed Insurance Rate Lock: City-state drivers benefit from stable insurance pricing without sudden rate hikes.
- Highly Rated Insurance Claims Process: Erie is praised for handling insurance claims quickly in City states. “>For further details, consult our article, “Erie Auto Insurance Review.”
Cons
- Limited Insurance Availability: Erie insurance policies are inaccessible in all city states’ regions.
- Fewer Digital Insurance Features: City-state policyholders may find the online insurance experience outdated.
#7 – USAA: Greatest for Military Savings
Pros
- Exclusionary Military Insurance Benefits: USAA provides lower insurance premiums to city-state military personnel and veterans.
- Well-Rated Insurance Financial Strength: USAA has an A++ rating, making it a safe insurance choice in City states.
- Outstanding Insurance Customer Service: USAA is renowned for its excellent policyholder service in city-states.
Cons
- Restricted Insurance Eligibility: Only military-affiliated city-state residents can access USAA insurance plans.
- Limited Local Insurance Agent Access: City-state drivers must rely mainly on digital and phone support. Find out more by reading our article titled “a class=”in-cell-link” href=”https://www.autoinsuranceez.com/compare-auto-insurance/usaa-insurance-review/” target=”_blank” rel=”noopener”>USAA Auto Insurance Review.”
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#8 – Geico: Best for Custom Plan
Pros
- Highly Customizable Insurance Policies: Geico allows city-state drivers to tailor insurance coverage based on individual needs.
- User-Friendly Insurance Digital Experience: City-state customers enjoy a top-tier app and website for managing insurance.
- Affordable Insurance Premiums: Geico offers budget-friendly insurance rates for many city-state drivers. Discover more by delving into our article entitled “Geico Auto Insurance Review“
Cons
- Lower Insurance Customer Service Ratings: Some city-state policyholders report less personalized insurance assistance.
- Fewer Local Insurance Agents: Geico primarily operates online, which may not suit all city-state drivers.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Unique Insurance Coverage Choices: Liberty Mutual provides tailored insurance options for different driver profiles in City states.
- Attractive Insurance New-Car Replacement: City-state drivers benefit from a full-value replacement for newer insured vehicles.
- Competitive Insurance Multi-Policy Discounts: Bundling options provide substantial insurance savings for city-state residents.
Cons
- Higher Insurance Claim Dispute Rates: Some city-state drivers face challenges approving insurance claims. Explore further in our article titled “Liberty Mutual Auto Insurance Review.”
- Premiums Rise Without Notice: Liberty Mutual insurance rates may increase unexpectedly for city-state policyholders.
#10 – AAA: Best for Online App
Pros
- Well-Rated Insurance Mobile App: City-state drivers can manage insurance policies efficiently via AAA’s digital platform.
- Strong Insurance Roadside Assistance: AAA’s membership-based services help city-state drivers with breakdowns.
- Attractive Insurance Member Discounts: City-state residents get insurance perks for being AAA members. Enhance your comprehension with our “AAA Auto Insurance Review.”
Cons
- AAA Insurance Requires Membership: Drivers must pay for AAA membership before accessing insurance.
- Not Always the Cheapest Insurance: In some city-states, drivers find lower insurance rates than those of competitors.
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Coverage Options in El Paso, TX
Drivers in El Paso have several coverage options to protect their vehicles and finances. Liability insurance is the minimum requirement in Texas, covering damages if you’re at fault in an accident, but it doesn’t pay for your repairs.
El Paso, TX Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $66 | $173 |
| $39 | $133 |
| $42 | $151 |
| $41 | $106 |
| $48 | $158 |
| $52 | $143 |
| $83 | $125 |
| $61 | $128 |
| $48 | $94 |
| $55 | $102 |
For added protection, collision and comprehensive coverage protects against weather damage, theft, vandalism, and impact with other vehicles or objects. These coverages are beneficial in El Paso, as auto theft and severe weather are hazards.
El Paso drivers should consider full coverage over state minimums, as the city’s accident rates and 794 annual auto thefts make liability-only policies risky; comparing providers can help secure comprehensive protection at the best price.
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Additional options like uninsured/underinsured motorist coverage and personal injury protection (PIP) offer financial security if an uninsured driver hits you or needs medical care after an accident. Policyholders can also enhance their coverage with extras like roadside assistance, rental car reimbursement, and gap insurance.
Auto Insurance Discounts to Lower Your Premium in El Paso, TX
El Paso drivers can lower their auto insurance costs by using discounts that reward safe driving, policy bundling, and early payments. State Farm’s Drive Safe & Save, Geico’s DriveEasy, and Travelers’ IntelliDrive offer discounts for safe driving monitored through mobile apps, which can reduce rates by up to 30%, depending on driving habits.
Auto Insurance Discounts From the Top Providers in El Paso, TX
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Safe Driver, Good Student, Homeowner, Defensive Driving |
| Drivewise, Bundling, Anti-Theft, Good Student, Early Signing, Claim-Free |
| Bundling, Safe Driver, Young Driver, Defensive Driving, Paid in Full |
| Signal App, Good Student, Bundling, Vehicle Safety, Claims-Free |
| DriveEasy, Military, Good Student, Bundling, Vehicle Safety, Anti-Theft |
| RightTrack, New Vehicle, Bundling, Good Student, Claims-Free, Vehicle Safety |
| SmartRide, Bundling, Defensive Driving, Claims-Free, Paid in Full Discounts |
| Drive Safe & Save, Good Student, Bundling, Defensive Driving, Claims-Free |
| IntelliDrive, Bundling, Safe Driver, Vehicle Safety, Claims-Free |
| SafePilot, Military, Good Student, Bundling, Claims-Free, Safe Driver |
Bundling home and auto insurance can save drivers an average of 10%–25%, with discounts available from Allstate, Erie, and Farmers. Taking a state-approved defensive driving course can also reduce premiums by 5%–15%, a Nationwide and State Farm benefit.
Additional savings are available for specific groups, such as USAA’s military discount or Liberty Mutual’s RightTrack program, which rewards low-mileage and cautious drivers. Drivers who stay claims-free for three to five years may also qualify for 10%–20% savings with companies like Nationwide and Erie, and paying the full premium upfront can further reduce costs.
Auto Insurance Coverage Requirements in Texas
According to the Texas Department of Insurance, driving legally in El Paso requires the following:
Auto Insurance Minimum Coverage Requirements in Texas
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident |
| Property Damage Liability | $25,000 per accident |
Texas motorists have several of the cheapest state needs for automotive insurance in the country. However, that doesn’t mean they shouldn’t consider additional coverage. Liability only pays out claims if you are the one who caused the accident or damage. In every other scenario, you might be financially liable.
Despite low minimum state requirements, the typical monthly cost for vehicle premiums in Texas is often as high as $135 or more.
Fortunately, El Paso residents may qualify for significant discount rates. You may be able to drive legally for $85 a month or less.
Texas Farm Bureau and Mercury are currently providing reduced rates on Texas auto insurance.
Insurance companies evaluate several factors when determining your rates. Factors that Affect Your Auto Insurance Premium include your job, marital status, past accident claims, the average number of miles you drive, and multiple vehicles and drivers.
Premiums may also alter between companies. To ensure you’re still receiving a good rate, search for affordable El Paso, TX auto insurance quotes by typing your ZIP code into our free, helpful tool below.
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Major Auto Insurance Factors in El Paso
Your Zip Code
Insurance providers need to know where you live or the places you will be driving most often to figure out the likelihood of you getting into a major accident. The higher a ZIP code’s populace, the greater the number of vehicles you will encounter while driving.
The population of El Paso is 674,433, and the typical family income is $41,129.
El Paso, TX Auto Insurance Monthly Rates by ZIP Code
| ZIP | Rates |
|---|---|
| 79934 | $204 |
| 79906 | $200 |
| 79928 | $193 |
| 79938 | $180 |
| 79936 | $175 |
| 79903 | $173 |
| 79932 | $165 |
| 79907 | $158 |
| 79916 | $158 |
| 79922 | $148 |
| 79912 | $147 |
| 79925 | $146 |
| 79927 | $145 |
| 79924 | $144 |
| 79930 | $143 |
| 79915 | $140 |
| 79904 | $139 |
| 79902 | $135 |
| 79905 | $131 |
| 79935 | $129 |
| 79918 | $127 |
| 79901 | $123 |
| 79923 | $117 |
| 79908 | $107 |
| 79911 | $86 |
| 79849 | $60 |
Automotive Accidents
Texas is one of the most dangerous states to drive in when it comes to fatal auto accidents, even more so than Chicago or New York.
Auto Insurance Automotive Accidents in El Paso, TX
| Vehicle Type | Count |
|---|---|
| Sedans | 4,000 |
| SUVs | 3,500 |
| Pickup Trucks | 2,500 |
| Vans | 1,200 |
| Luxury Cars | 800 |
| Motorcycles | 300 |
| Hybrid Vehicles | 100 |
| Electric Vehicles | 50 |
You may want to ask your agent about Safe Driving discounts in your area to counteract the state’s generally high rates.
Auto Thefts in El Paso
Anyone who lives in a big city can tell you that auto theft is a serious concern. If your city has particularly high rates of auto theft, you may encounter high insurance premiums.
794 automobiles were stolen in El Paso in 2013. This indicates that theft rates are falling drastically, but it doesn’t mean you should forego comprehensive coverage.
Auto Thefts in El Paso, TX
| Vehicle Type | Count |
|---|---|
| Pickup Trucks | 125 |
| Sedans | 100 |
| SUVs | 100 |
| Luxury Vehicles | 50 |
| Vans | 50 |
| Motorcycles | 25 |
Your Credit Score
Motorists with bad credit may have to pay a minimum of two times around motorists with perfect credit.
El Paso, TX Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $101 | $125 | $150 |
| $251 | $292 | $333 |
| $183 | $220 | $270 |
| $208 | $233 | $267 |
| $182 | $217 | $258 |
| $210 | $243 | $277 |
| $229 | $250 | $292 |
| $170 | $208 | $250 |
| $218 | $243 | $277 |
| $126 | $150 | $175 |
– El Paso, TX Auto Insurance Monthly Rates by Credit Score
Your Age
Teenage motorists will be billed considerably higher rates, regardless of other circumstances. Good Student or Driver’s Education discount rates might help some, and certain providers tend to be more forgiving than others.
El Paso, TX Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 34 Female | Age: 34 Male |
|---|---|---|---|---|
| $280 | $295 | $60 | $60 |
| $270 | $285 | $65 | $65 |
| $250 | $265 | $60 | $60 |
| $275 | $290 | $62 | $62 |
| $260 | $275 | $58 | $58 |
| $290 | $305 | $64 | $64 |
| $265 | $280 | $62 | $62 |
| $230 | $245 | $55 | $55 |
| $255 | $270 | $61 | $61 |
| $220 | $235 | $53 | $53 |
Your Driving Record
The majority of insurance companies in Texas are forgiving enough to make sure high-risk motorists – motorists with serious violations on their record – aren’t paying the highest monthly premium.
El Paso, TX Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $120 | $130 | $180 | $200 |
| $160 | $170 | $220 | $240 |
| $140 | $150 | $200 | $220 |
| $150 | $160 | $210 | $230 |
| $130 | $140 | $190 | $210 |
| $145 | $155 | $205 | $225 |
| $135 | $145 | $195 | $215 |
| $170 | $180 | $230 | $250 |
| $155 | $165 | $215 | $235 |
| $110 | $120 | $170 | $190 |
If you have no serious offenses on your driving record, ask your provider if they offer Accident Forgiveness discount rates.
Your Vehicle
The cost connected with insuring an extravagant vehicle has more relation to the quantity of insurance you purchase, as opposed to the vehicle itself. It wouldn’t be wise to cover a Ferrari or Porsche with state minimum liability.
El Paso, TX Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| BMW 3 Series | $110 | $280 |
| Chevrolet Malibu | $80 | $200 |
| Ford F-150 | $100 | $250 |
| Honda Civic | $75 | $190 |
| Hyundai Elantra | $70 | $180 |
| Mazda CX-5 | $95 | $230 |
| Nissan Altima | $90 | $220 |
| Ram 1500 | $105 | $260 |
| Tesla Model 3 | $120 | $300 |
| Toyota Camry | $85 | $210 |
Minor Auto Insurance Factors in El Paso
Your Marital Status
Married people can get discounted rates by bundling their auto policies together, as well as renters or home insurance, too.
Your Gender
Recent data suggest that there’s no significant risk in one gender driving over another. This explains why providers are beginning to phase out this specific metric when calculating premiums.
Your Driving Distance to Work
Most commuters in El Paso will last anywhere from 15 to 25 minutes, with the average being around 20 minutes. 76% of locals use their own vehicle alone in order to get around, whereas 15% prefer to carpool.
El Paso, TX Auto Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $100 | $110 |
| $105 | $115 |
| $95 | $105 |
| $110 | $120 |
| $90 | $100 |
| $115 | $125 |
| $102 | $112 |
| $85 | $95 |
| $108 | $118 |
| $80 | $90 |
Nearly every insurance company asks about yearly miles driven, along with your purpose on the highway. Regardless of how you answer these questions, it rarely comes down to greater than a 3-5% alternation in payments. However, if you are insuring an automobile for business, you will most likely pay a minimum of 10% more.
Your Coverage and Deductibles
Comprehensive coverage is essential to safeguard yourself from El Paso’s infamously high rates of auto thievery, but it may be pricey.
El Paso, TX Auto Insurance Monthly Rates by Provider & Coverage Type
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| BMW 3 Series | $110 | $280 |
| Chevrolet Malibu | $80 | $200 |
| Ford F-150 | $100 | $250 |
| Honda Civic | $75 | $190 |
| Hyundai Elantra | $70 | $180 |
| Mazda CX-5 | $95 | $230 |
| Nissan Altima | $90 | $220 |
| Ram 1500 | $105 | $260 |
| Tesla Model 3 | $120 | $300 |
| Toyota Camry | $85 | $210 |
One way to decrease your monthly charges is to improve your deductible. You will need to pay more out-of-pocket in the event that you file a claim, but it will ultimately lower your monthly policy payment.
Education in El Paso, TX
Nearly 32% of the population in El Paso has not yet completed their secondary level of education, while 23% have graduated with a high school diploma. For those who fall into either one of these categories, returning to school can actually help you lower your automobile insurance rates.
El Paso is home to several institutions for higher learning. The University of Texas operates a campus in El Paso, offering bachelor’s degrees and higher to an ethnically diverse student body. There are also 5 campuses that make up the El Paso Community College system, educating nearly 28,000 students each year in a variety of programs.
Car insurance is a necessary part of owning and operating any type of automobile. Use the quote box below to find a good provider who can meet your insurance needs.
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Read more: Factors that Affect Your Car Insurance Premium
Key Takeaways on El Paso Auto Insurance
If you’re a driver in El Paso, State Farm, Farmers, and Allstate have some of the cheapest coverage at $39 a month. Yet, with all the accidents here and more than 700 cars stolen annually, collision coverage can protect you from paying cash if your vehicle is damaged in an accident.
Texas’ minimum insurance 30/60/25 liability limits may appear sufficient, but they usually prove inadequate in severe crashes. To remain better covered and save money, opt for full coverage and take advantage of discounts such as State Farm’s Drive Safe & Save, Geico’s DriveEasy, or USAA’s military discounts, which could reduce your premiums by 10%–30%.
How We Conducted Our Auto Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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