Car Insurance in El Paso
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Car Insurance in El Paso, TX
With nearly 700,000 residents, El Paso is the sixth-largest city in Texas. Its cultural attractions include Burges House and the Buffalo Soldier Memorial. Major employers in El Paso are the U.S. Army, Teleperformance, and ADP. Residents also benefit from El Paso's year-round warm weather, which has an average of 297 sunny days.
Despite El Paso's large population, the average commute is just 22.7 minutes — nearly four minutes shorter than the U.S. average of 26.4 minutes. The city's roads and highways follow a grid pattern, making navigating easier.
Per Texas laws, all El Paso drivers must have an auto insurance policy with a minimum of 30/60/25 coverage. Depending on their lender's requirements, drivers who finance their vehicles may need additional insurance.
Insurance companies consider your location and zip code when calculating your rates. Try EverQuote to compare car insurance quotes in El Paso and benefit from savings.
How much is car insurance in El Paso, TX?
The total cost of car insurance in El Paso will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in El Paso?
Ranking and evaluating the insurance costs for every car make, model, and year in the city can be rather difficult. However, if you're interested in finding out which newer models are generally more affordable to insure, here are the top 10 most cost-effective car makes and models to consider in El Paso:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $187 |
| 2 | Honda Cr-V | $187 |
| 3 | Subaru Forester | $188 |
| 4 | Ford Fusion | $189 |
| 5 | Toyota Corolla | $189 |
| 6 | Toyota Rav4 | $192 |
| 7 | Toyota Tacoma | $193 |
| 8 | Kia Sedona | $194 |
| 9 | Kia Sol | $194 |
| 10 | Jeep Cherokee | $200 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
If you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – understand that it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in El Paso, sorted from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $192 | 0% |
| Not at-fault Accident | $205 | +7% |
| Driving with expired registration | $218 | +14% |
| Speeding Ticket | $232 | +21% |
| DUI | $260 | +35% |
| Driving with a suspended license | $277 | +44% |
| Hit and Run | $283 | +47% |
| At-fault Accident | $302 | +57% |
What car insurance discounts can I get in El Paso?
There are various discounts that can help reduce your insurance expenses in El Paso. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $168 | +$24 |
| Paid in Full | $181 | +$11 |
| Multi-Policy Renters | $183 | +$9 |
| Low Mileage | $184 | +$8 |
| Renewal discount | $185 | +$7 |
| Paperless | $189 | +$3 |
| Electronic Funds Transfer | $190 | +$2 |
| None | $192 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.