Car Insurance in El Paso
Numbers refreshed
Car insurance in El Paso draws on Texas averages, and the way people there drive.
- $160Texas average each month for full coverage.
- 30/60/25.The minimum limits set by the state.
What drivers in the El Paso area pay
Texas averages come to $1,917 a year for full coverage, with $893 for the legal minimum. In a big city, prices usually sit above the state average because of more traffic, more claims and more theft.
| Coverage in Texas | Per year | Per month |
|---|---|---|
| Liability | $893 | $74 |
| Collision | $569 | $47 |
| Comprehensive | $455 | $38 |
| Full coverage (all three) | $1,917 | $160 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Rates quoted in El Paso
A single woman, age 25 to 64, has no violations and average credit. Her car is used mostly for commuting to work (18,000 mi/yr), with 30/60/25 liability only.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Farmers Insurance | $330 | $28 |
| 2 | GEICO | $396 | $33 |
| 3 | GEICO | $402 | $34 |
| 4 | GEICO | $417 | $35 |
| 5 | USAA | $509 | $42 |
| 6 | Progressive | $530 | $44 |
| 7 | Progressive | $629 | $52 |
| 8 | USAA | $635 | $53 |
Source: HelpInsure.com Auto FAQ (TDI).
Driving in the city of El Paso
| Census figure | El Paso |
|---|---|
| People | 680,130 |
| Average trip to work | 23 minutes |
| Drive to work alone | 75% |
| Homes with no car | 7% |
| Median household income | $59,745 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Texas calculator works out a price for your age, your record and your car. You can find the state's rules under Texas car insurance requirements.
First written