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Car insurance in El Paso costs $2,112 per year for full coverage – $176 monthly. In 2024, Texas Farm Bureau offers the cheapest car insurance policy at $100 per month.

El Paso is home to 700,000 residents and has quietly become the 22nd biggest city in the U.S. It is located in far western Texas, in an area near the border with New Mexico and the Mexican state of Chihuahua.  

If you are moving to El Paso — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in El Paso that will provide the coverage you need.

Key Takeaways

  • Full-coverage car insurance in El Paso costs an average of $2,112 per year, higher than the nationwide average of $1,895.
  • The cheapest car insurance company for a full-coverage policy in El Paso is Texas Farm Bureau, at $100 monthly.
  • Car insurance rates in El Paso are more expensive than the Texas average of $2,043 annually.

How to find the best car insurance in El Paso 

With the right tools and a little work, you can find the best car insurance policy in El Paso that marries the coverage you need at a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the coverage necessary to protect yourself. Get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in El Paso 

Texas Farm Bureau provides the cheapest car insurance in El Paso, according to 2023 data. It costs an average of $1,197 annually to purchase a full-coverage policy from the insurer. The next cheapest car insurance companies are Travelers and Tennessee Farmers.

See other cheap car insurance rates in El Paso in the table below.

Average annual rates from insurers in El Paso

CompanyAverage annual rates for state minimumAverage annual rates for full coverage
Texas Farm Bureau$314$1,197
Redpoint County Mutual$579$1,568
State Farm$441$2,102
Auto Club Enterprises (AAA)$572$2,151

How much is car insurance in El Paso per month?

El Paso residents can expect to pay an average of $176 per month in full coverage car insurance costs, or $47 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors that determine how much you pay for car insurance include the insurance company you choose and the amount of coverage you need. Other factors — including your age and gender, car type and history of accidents and violations — also influence car insurance costs.

Monthly rates for car insurance in El Paso, Texas

CompanyAverage monthly rates for state minimum Average monthly rates for full coverage
Texas Farm Bureau$26$100
State Farm$37$175
Auto Club Enterprises (AAA)$48$179
Redpoint County Mutual$48$131

How do rates in El Paso compare to other large cities in the U.S.?

The cost of coverage in El Paso is cheaper than in other major cities. However, El Paso drivers pay more than other Texas drivers – the statewide rate is $2,043 annually, compared with El Paso’s $2,112.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

CityFull-coverage cost
Los Angeles$3,149
New York$2,600
San Antonio$2,181
San Diego$2,324
San Jose$2,406
Las Vegas$2,594
El Paso$2,112
Fort Worth$2,030
Oklahoma City$2,373
San Francisco$2,777

Here’s what you need to know when driving in El Paso 

For a relatively big city, El Paso has manageable traffic. 

In 2022, drivers in El Paso lost an average of seven hours in traffic, according to INRIX, which looks at traffic patterns. That makes El Paso the 202nd most-congested city in the U.S., despite its population ranking 22nd. 

If you are driving in the El Paso area during rush hour, you can expect to spend an extra 14 minutes in traffic, according to the website CoPilot. That places El Paso at No. 45 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around El Paso:

  • Speed limits in Texas are typically 55 mph on residential streets, and 75 on urban interstates. Signs should mark when speed limits vary from these standards. 
  • Drivers in El Paso are prohibited from using a cell phone while operating a vehicle. 
  • The Border West Expressway is a toll road that opened in 2019 and runs east of downtown to Racetrack Drive to the west. 

How much car insurance do I need in El Paso?

Texas law requires you to purchase a minimum amount of liability car insurance coverage. These amounts are: 

  • $30,000 per person for bodily injury liability
  • $60,000 per accident for bodily injury
  • $25,000 of coverage for property damage

This is often referred to as “30/60/25 coverage.”

However, these minimum levels of coverage will not be adequate for most drivers. 

Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. 

That means drivers also might be interested in going beyond the minimums and protecting their own vehicles by purchasing insurance beyond the minimum, such as comprehensive and collision coverage. 

If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in El Paso 

The average cost of full-coverage car insurance in El Paso is $2,112 annually. That compares to a statewide average of $2,043 and a nationwide average of $1,895. 

Annual average rates in El Paso for state minimum coverage and full coverage

State minimum coverage in El Paso Annual full coverage rates in El Paso 

Cheapest car insurance in El Paso by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more. 

“Claims data documents that younger, more inexperienced drivers and older drivers with slower reaction times tend to be involved in more crashes,” says Robert Passmore, APCIA department vice president, personal lines with the American Property Casualty Insurance Association 

See how much you can expect to pay by age in the table below.

Annual rates for state minimum and full coverage car insurance in El Paso, by age

AgeState minimum coverageFull coverage

Compare auto insurance rates in El Paso by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the El Paso area ZIP codes with the cheapest and most expensive car insurance rates. 

See the tables below for the cheapest and most expensive ZIP codes for car insurance in El Paso. 

Cheapest annual car insurance rates in El Paso, by ZIP code 

ZIP codeAverage annual rate

Most expensive annual car insurance rates in El Paso, by ZIP code 

ZIP codeAverage annual rate

Our recommendations: Car insurance for drivers in El Paso 

If low prices are your top focus when shopping for car insurance, Texas Farm Bureau might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of El Paso.


What our expert says

Q. How can you save money on car insurance?

Robert PassmoreAPCIA department vice president, personal lines with the American Property Casualty Insurance Association.
Find out if your insurer offers a telematics policy that rewards safer driving habits with reduced premiums.

Resources & Methodology


Camino Real Regional Mobile Authority. “Border West Expressway.” Accessed February 2024.

City of El Paso. “Our Mission.” Accessed February 2024

CoPilot. “Cities That Lose the Most Time in Rush Hour Traffic.” Accessed February 2024.

Hertz. “Texas driving guide.” Accessed February 2024.

INRIX. “Inrix 2022 Global Traffic Scorecard.” Accessed February 2024.

INRIX. “El Paso TX.” Accessed February 2024.

Law Offices of Michael J. Gopin. “El Paso, Texas Hands Free Laws.” Accessed February 2024.

Texas Department of Insurance. “Auto insurance guide.” Accessed February 2024.

Texas State Historical Association. “El Paso, TX.” Accessed February 2024


In 2024, commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

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Chris Kissell
Contributing Researcher


Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.