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Finding Low-Cost Auto Insurance in El Paso, Texas

el paso low cost auto insurance
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El Paso, Texas, roads range from small neighborhood boulevards to sprawling freeways packed with drivers. As a result, finding low-cost car insurance in El Paso is an important step that may protect you from many distinct problems. Finding inexpensive coverage may require some research that includes identifying what policy type suits your needs. Many companies serve El Paso and provide full, collision, and comprehensive policies. Here’s what you need to know about finding low-cost car insurance in El Paso.

The Average Cost of Car Insurance in El Paso

In El Paso, Texas, the average car insurance cost is currently $1,404 per year or $117 per month. That’s 9.5% less than the national average rate of $1,551 per year or $129.25 per month. However, you may pay more or less than this rate, depending on your insurer, policy, credit score, driving habits, age, and marital status. Talk with your provider to learn more about how these factors affect you.

Texas’ Minimum Insurance Requirements

Texas state law requires specific minimum insurance requirements for drivers. These include a basic liability policy that covers injuries and property damage. These requirements include:

  • $30,000 for injuries per person
  • $60,000 for injuries per accident
  • $25,000 for property damage per accident

This coverage is 30/60/25, though you can upgrade to higher coverage options with your insurance provider. You may also add collision, comprehensive, medical payment, personal injury protection, uninsured/underinsured motorist, towing and labor, and rental reimbursement coverage options to your policy. Note that adding these upgrades may increase your premium payments.

Low-Cost Auto Insurance in El Paso

When researching how much car insurance costs, knowing what companies may provide the cheapest rates is essential. The cheapest minimum coverage auto insurance options in El Paso include:

  • Fred Loya: $29.5 per month or $354 per year
  • USAA: $36.4 per month or $437 per year
  • State Farm: $44.83 per month or $538 per year
  • Dairyland: $65.75 per month or $789 per year
  • Nationwide: $69.33 per month or $832 per year

You may also upgrade to full coverage car insurance, which includes more protection for your vehicle. Finding cheap full coverage car insurance policies in El Paso may include researching various companies and their policy options. The cheapest full coverage options in El Paso include:

  • Fred Loya: $65.6 per month or $786 per year
  • State Farm: $110.91 per month or $1,311 per year
  • Geico: $169.5 per month or $2,034 per year
  • Nationwide: $198.25 per month or $2,379 per year
  • Chubb: $208.8 per month or $2,497 per year
  • Dairyland: $285.75 per month or $3,429 per year
  • Allstate: $379.33 per month or $4,552 per year
  • MetLife: $414.33 per month or $4,972 per year

As you can see, the price for full coverage increases the monthly payments quite a bit, but this protection will provide complete help in the event of an accident or vehicle damage inflicted by a natural disaster.

Insurance Rates in El Paso By Age

Car insurance costs in El Paso typically decrease as you age. The average insurance rates by age in this city are:

  • 16 years: $419 per month or $5,026 per year
  • 17 years: $391 per month or $4,692 per year
  • 18 years: $365 per month or $4,384 per year
  • 19 years: $330 per month or $3,964 per year
  • 20 years: $232 per month or $2,784 per year
  • 30 years: $123 per month or $1,476 per year
  • 40 years: $117 per month or $1,404 per year
  • 50 years: $106 per month or $1,276 per year
  • 60 years: $105 per month or $1,254 per year

Finding inexpensive car insurance in the teen years may include researching multiple quotes. The cheapest insurance companies for teen drivers in El Paso are:

  • Fred Loya: $267.33 per month or $3,208 per year
  • State Farm: $320.25 per month or $3,843 per year
  • Geico: $357.25 per month or $4,287 per year
  • Chubb: $519.41 per month or $6,223 per year
  • Dairyland: $626.75 per month or $7,521 per year
  • Allstate: $699.66 per month or $8,396 per year
  • Nationwide: $706.83 per month or $8,482 per year

Insurance Rates by Marital Status

El Paso car insurance rates may vary depending on your marital status. These differences, on average, include:

  • Single: $57 per month or $684 per year
  • Married: $45 per month or $540 per year
  • Divorced: $42 per month or $504 per year
  • Widowed: $40 per month or $480 per year

These lower rates for married drivers may include multiple vehicles bundled into one policy, which may cause reduced rates. The cheapest insurance providers for married drivers in El Paso are:

  • Fred Loya: $57.5 per month or $690 per year
  • State Farm: $109.25 per month or $1,311 per year
  • Geico: $179.25 per month or $2,151 per year
  • Nationwide: $183.5 per month or $2,202 per year
  • Chubb: $208.08 per month or $2,497 per year
  • Dairyland: $267.16 per month or $3,206 per year
  • Allstate: $334.08 per month or $4,009 per year
  • MetLife: $341 per month or $4,092 per year

Insurance Rates by Violations

Your insurance rate may go up based on vehicular incidents. These averages include:

  • One accident: $62 per month or $744 per year
  • One ticket: $59 per month or $708 per year
  • Multiple accidents: $79 per month or $948 per year
  • Multiple tickets: $60 per month or $720 per year

Insurance Rates for Poor Credit Scores

Your credit score may also affect your insurance premiums in El Paso. The cheapest insurers for people with poor credit include:

  • Fred Loya: $65.5 per month or $786 per year
  • State Farm: $168.66 per month or $2,024 per year
  • Nationwide: $225.08 per month or $2,701 per year
  • Geico: $238.58 per month or $2,863 per year
  • Chubb: $271.41 per month or $3,257 per year
  • Dairyland: $326.16 per month or $3,914 per year
  • Allstate: $348 per month or $4,176 per year

When shopping for low-cost El Paso auto insurance that fits your specific budget, you may use this detailed information. In addition, talking to your insurance provider may help by giving you more insight into what options are available. To save even more money, make sure that you discuss possible discount options, including safe driver and senior driver rebates.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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