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A Guide to Cheap Auto Insurance in El Paso, Texas

If you are searching for auto insurance in El Paso being informed on the insurance minimums and what average rates are will help you determine if you are getting a good rate from your provider. In this article, we will dive into the state minimums, insurance averages, and driving laws in El Paso, TX.  

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Quick Look: The Best Auto Insurance Companies in El Paso, TX

Overview: El Paso, TX Auto Insurance by the Numbers

  • Number of vehicles: The average number of vehicles in El Paso is 1.82 per household according to the 2016 census. A tip to remember about insurance is that bundling all your vehicles into one policy can save more annually than if you purchased separate policies for each car.
  • Minimum state insurance requirements: By law, all El Paso drivers are required to meet the statewide 30/60/25 minimum liability requirements. Details on the insurance requirement are:
    • $30,000 for one-person accidents
    • $60,000 for accidents involving more than one person
    • $25,000 for property damage coverage.
  • Average annual insurance rate for full coverage for Texans with a clean driving record is around $1,300 annually.

What You’ll Need to Know Before You Get Insurance

Texas Auto Insurance Laws

The average car insurance rate in Texas is around $1,300, and Texas law requires drivers to have liability coverage.

The formula is the same statewide: 30/60/25. In order to meet the minimum state-mandated requirements, you can spend as little as $720 if you have a clean record and good credit.

In order to avoid any legal difficulties in the case of multi-car accidents, it is a good idea to pay more for liability. Of course, the minimum doesn’t always cover your expenses in the event of an accident caused by you. In order to cover your medical expenses and vehicle repair work, you should look at other types of auto coverages, and you may need to pay considerably more.

By law, you’re required to show your insurance card when you’re in an accident, when you renew your registration, when you inspect your car, and if an officer asks to see it.

Texas Traffic Laws

As long as you follow the statewide traffic laws, driving in El Paso should not be a problem. Here are a few things to keep in mind.

DUIs or DWIs, as they’re often called in Texas, are punishable by up to one year in prison if you are above the limit. This is one of the reasons why they result in more expensive penalties on your car insurance rate than speeding.

In 2018, El Paso received national attention due to its unusually high rate of drunk drivers and pedestrian deaths. Traffic deaths in the city increased compared to previous years. As a consequence, Texas driving laws are being enforced more vigilantly than ever right now.

Because of the considerably higher rate in Texas of alcohol-related deaths than any other state, so you should drive with care, especially at night.

Cell phone use. Texas is also one of 47 states that have a statewide ban on using cellphones and other hand-held communication devices. You can still use your phone while driving as long as any function is hands-free.

Traffic light cameras. Many municipalities use red light cameras at intersections. Running a red light can result in a ticket mailed to you with a picture of the infraction.

Seatbelt laws. These are rigorously enforced. If anyone in your vehicle fails to buckle up, you might face a fine of $200 or more.

Auto Insurance Rates Per Vehicle

The model of the car influence the insurance policy rates but the insurance cost differences between brands are becoming smaller these days. That’s because American-made cars have caught up with foreign vehicles in terms of efficiency and price per quality ratios.

In Texas, the most popular vehicle model is actually a pickup truck – the Ford F-150. Because many Texans live rurally or like to spend time outside of city limits, it makes sense that their top choice is a truck. The average rate to insure an F-150 truck is about $1,745, this slightly above the state average but the price can vary based on the trim package of the vehicle and driving record to name a few factors.

Ford is also the most popular car brand in general. Honda and Toyota are the best-selling foreign brands in the state.

When choosing the best insurance for your car, keep in mind that the calculations done to determine an insurance policy rate can change drastically depending on what coverage formula you want to use. If you just want to cover the state minimum requirements, the brand and make of your car usually have less weight.

If you’re looking for full coverage, insurance rates can skyrocket based on the type of vehicle you’re driving.

El Paso Auto Insurance Rates by Credit Score

You may be wondering why and how your credit score affects your auto insurance rate. To some extent, having a good credit score provides assurance to providers that you can pay on time.

But the credit score that goes towards your car insurance rate is different from your general credit score. Insurance providers use their own algorithms to factor in your loan history, payment timing, types of loans, and all other pertinent information.

Insurance providers then assign their own values to the different credit score levels. This is why there isn’t a standard rate based on credit score. Some providers will always be cheaper than others.

So, how important is it to have a good credit score? Pretty big for most people. For example, having a good or excellent credit score can give you a big enough discount that you can afford coverage for a more expensive car without worrying about making ends meet.

A good credit score can also help offset some of the other influencing factors that determine the policy rate. This may include your location, car safety features, driving experience, driving habits, etc.

Credit ScoreCheapest ProviderRate For State Minimum Coverage
Poor 300-579Geico$2,494
Fair 580-669State Farm$1,453
Good 670-739State Farm$1,205
Excellent 740+State Farm$1,200

El Paso Auto Insurance for Drivers with a Clean Record

Another factor that can significantly lower car insurance rates is having a clean driving record. If you don’t have a history of reckless driving, speeding, driving under the influence, and so on, insurance companies will give you a discount on your insurance policy.

A clean record implies that you’re not a high-risk driver. Having even a handful of driving infractions on record means that the insurance company is more likely to have to finance expensive repairs and medical bills down the line.

Check out the following two tables to see the difference in policy rates for clean records vs. multiple driving infractions. If you also want to get a quote for your zip code, follow the link to get more information.

Insurance AgencyState Minimum InsuranceStandard CoverageFull Coverage
State Farm$1,068$1,284$1,906
Allstate$1,800$2,105$2,445
Progressive$1,152$1,375$1,493
Geico$1,126$1,467$1,539
Esurance$1,445$1,598$1,678

El Paso Auto Insurance Rates with Driving Infractions

When you’re shopping for auto insurance, El Paso, TX, insurance providers don’t take kindly to traffic violations.

Certain infractions, such as drunk driving, speeding, and being responsible for an accident will add hefty penalties and increase your rate. Safe driving not only saves lives but it also saves you money.

However, there are still agencies who offer a fair price to drivers with a spotty record.

Insurance Agency At Fault Accident Speed Violation DUI
Allstate$6,562$4,271$6,838
American Family$5,627$4,418$4,931
Geico$3,651$3,570$3,062
Nationwide$3,352$3,789$4,977
Progressive$5,258$4,581$4,753

Best Auto Insurance Providers El Paso, TX

There are five main providers of auto insurance that most drivers in El Paso turn to Geico, State Farm, Allstate, Progressive, and Esurance. While these are listed in no particular order, it’s worth mentioning that each one has its own benefits, depending on what type of driver you are.

Although all providers will have discrepancies in their rates based on vehicle specifications, driving record, location, and so on, the biggest differences are noticeable between the penalties.

Some providers are more lenient than others in regards to applying penalties for drivers who have previous infractions on record. That’s why it’s not really a given that one provider will be the best fit for all El Paso drivers.

Best Overall: State Farm

State Farm is among the most popular and consistent car insurance providers in the state of Texas.

Their policies cover a wide range of vehicles and situations. If you’re interested in some of the perks of insuring your car with State Farm, you should know that the company offers around the clock support. Drivers with a spotless record should consider their Drive Safe & Save program, and there is also a discount for drivers under the age of 25.

It should also come as no surprise that State Farm has one of the most reliable apps on the market. If you need to file a claim on the fly, locate a repair shop, or simply make a payment fast before losing your insurance, the State Farm app is easy to access and navigate.

Cheapest Car Insurance El Paso, TX: State Farm

Apart from being the best overall in terms of services offered, State Farm is also the insurance provider to beat when it comes to rates.

Averages based on credit score and clean driver records show that State Farm offers the city’s lowest rates for car insurance.

El Paso, TX residents also have good options for drivers looking for affordable coverage in spite of past infractions.

Cheapest Insurance For Drivers With Infractions: Geico

Geico has the lowest penalties for drivers that have a less than perfect driving record.

They have received high customer satisfaction ratings, and they offer multiple-policy deals for people looking to combine car insurance with their home insurance.

If you have an at-fault accident or even a DUI, Geico can help you out with many discounts to keep you covered while you work on cleaning up your driving record.

Cheapest Full Coverage Car Insurance El Paso, TX: Progressive

Progressive auto insurance prides itself on providing low rates with above-average user reviews. Well known for it’s price comparison services on auto insurance, Progressive also offers insurance coverage for home, business, life, and more.

Progressive offers new drivers, first-time insurance applicants, and driver’s with driving infractions some of the lowest rates compared to other big-name insurance companies.

Agents will guide you on how to save more each month with their unique tools like Snapshot, which plugs into your vehicle and tracks your actual driving habits. On average drivers who opted in for the Snapshot program saved about $130 a year. Other savings include bundling your home and auto, paperless billing, multicar, and pay in full options to name a few.

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Drive Safely with the Right Insurance

Most of the traffic laws in Texas are common sense laws, such as the ban on all hand-held communication devices while driving. Insurance laws are also clear in the Lone Star state.

While prices are relatively high, you can find good deals and exceptional customer service. So why not go looking for an insurer right now?

Want to learn more about car insurance? Check out Benzinga’s guides to auto insurance in Forth Worth, Houston, San Antonio, Dallas and Austin, the best cheap car insurance companies and the best motorcycle insurance.