Car Insurance Cost in El Paso, TX (2025 Rates + Comparisons)

What does average auto insurance cost in El Paso, TX? We analyze six popular automotive segments to find the cars, trucks, and SUVs with the cheapest insurance quotes.

Start a Free QuoteCompare El Paso car insurance quotes and save on your next policy.

How much is car insurance in El Paso?

The average cost to insure a vehicle in El Paso is $2,334 per year, which is 2.5% more than the national average rate of $2,276 per year. The average cost of car insurance per month in El Paso is $195 for a full-coverage car insurance policy.

In the state of Texas, the average car insurance expense is $2,394 per year, so the cost in El Paso averages $60 less per year. When rates are compared to other cities in Texas, the average cost of car insurance in El Paso is around $230 per year cheaper than in Dallas, $222 per year less than in Houston, and $16 per year more than in Austin.

The next chart shows additional data for the 20 to 60-year-old age groups by showing a range of rates for an assortment of driver ages and common policy situations.

Average car insurance rates in El Paso for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in El Paso for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in El Paso includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in El Paso, TX
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,368$447
Safe Driver Age 20$4,694$391
At-fault Accidents Age 40$3,306$276
Low Deductibles Age 40$3,054$255
Safe Driver Age 30$2,490$208
Safe Driver Age 40$2,334$195
Safe Driver Age 50$2,068$172
High Deductibles Age 40$1,960$163
Discount Rate Age 40$1,940$162
Safe Driver Age 60$1,938$162

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated October 24, 2025

Average car insurance rates in the prior chart range from $1,940 per year for a 40-year-old driver who qualifies for many discounts to $5,368 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance.

When these rates are converted to a cost per month, the average cost of car insurance per month in El Paso ranges from $162 to $447.

El Paso car insurance rates can have significant differences in cost and subtle changes in driver risk profiles can have meaningful effects on car insurance cost. Since there is so much rate volatility, this stresses the need to get accurate auto insurance quotes when shopping online for cheaper coverage.

Driver age is one of the largest factors in the price you pay for auto insurance, so the list below details how age impacts cost by breaking out average car insurance rates for drivers from age 16 to 60.

Car insurance cost in El Paso, TX, for drivers age 16 to 60

  • 16 year old – $8,312 per year or $693 per month
  • 17 year old – $8,052 per year or $671 per month
  • 18 year old – $7,213 per year or $601 per month
  • 19 year old – $6,571 per year or $548 per month
  • 20 year old – $4,694 per year or $391 per month
  • 30 year old – $2,490 per year or $208 per month
  • 40 year old – $2,334 per year or $195 per month
  • 50 year old – $2,068 per year or $172 per month
  • 60 year old – $1,938 per year or $162 per month

The rates in the list above for insuring teenage drivers assumed a male driver. The next chart gets more specific and separates average teen driver rates in El Paso by gender. Female drivers tend to have slightly cheaper auto insurance rates, especially at younger ages.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in El Paso includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in El Paso, TX for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,312$7,764
17-Year-Old$8,052$7,717
18-Year-Old$7,213$6,659
19-Year-Old$6,571$5,558

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated October 24, 2025

Car insurance for a 16-year-old female driver in El Paso costs an average of $548 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is smaller but females still pay an average of $1,013 less per year.

The car insurance costs referenced previously are averaged for all 2024 vehicle models, which is handy when making general comparisons such as the average cost difference for different locations or driver risk profiles.

But for more useful auto insurance rate comparisons, we get better data if we do a rate analysis for the specific model of vehicle being insured. In the next few sections of this article, we explore all kinds of rates for all different kinds of vehicles, but for now, we will just look at the most popular vehicles to see how car insurance rates compare in El Paso.

The following chart breaks down the cost of car insurance in El Paso for some of the more popular vehicles. Later in this article, there is a section that explores additional situations that affect the cost of insuring some of these models in more detail.

Average cost to insure popular 2024 model year vehicles in El Paso.
Figure 3: Average cost to insure popular 2024 model year vehicles in El Paso. Rates updated on October 24, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all El Paso Zip Codes.

El Paso, TX, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,990$166
Nissan Rogue$2,098$175
Chevrolet Equinox$2,148$179
Toyota RAV4$2,154$180
Hyundai Tucson$2,170$181
Kia Forte$2,280$190
Toyota Camry$2,506$209
Hyundai Elantra$2,534$211
Ford Mustang$2,564$214
Chevrolet Silverado$2,580$215
Ford F150$2,612$218
Jeep Wrangler$2,664$222
Ram Truck$2,698$225
Chevrolet Corvette$3,232$269

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Vehicles with high popularity in El Paso tend to be compact and midsize sedans like the Hyundai Elantra and Nissan Altima and compact or midsize SUVs like the Nissan Rogue and Subaru Outback.

Other popular models from other vehicle segments include luxury models like the Infiniti Q50 and Lexus RX 350, pickup trucks like the Ford Ranger and Toyota Tacoma, and sports cars like the Ford Mustang and Nissan GT-R.

We explore more auto insurance rates coming up, but before we delve that deep, let’s take a look at the concepts and comparisons that were presented up to this point.

  • Car insurance costs less the older you are – Average auto insurance rates for a 60-year-old driver in El Paso are $2,756 per year cheaper than for a 20-year-old driver.
  • El Paso average car insurance cost is more than the U.S. average – $2,334 (El Paso average) compared to $2,276 (U.S. average)
  • El Paso auto insurance rates are cheaper than the Texas state average – $2,334 (El Paso average) compared to $2,394 (Texas average)
  • Lower deductible car insurance is more expensive than high deductible – A 30-year-old driver pays an average of $630 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
  • Auto insurance rates drop significantly in your twenties – The average 30-year-old El Paso driver will pay $2,204 less each year than a 20-year-old driver, $2,490 compared to $4,694.

Which vehicles are cheapest to insure in El Paso, TX?

The models with the lowest cost average insurance rates in El Paso, TX, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Toyota Corolla Cross. Average auto insurance quotes for those compact SUVs cost $1,896 or less per year ($158 per month) for full coverage car insurance.

Examples of other vehicles that rank towards the top in our cost comparison are the Subaru Outback, Acura RDX, Buick Envista, and Honda CR-V.

The average cost is somewhat higher for those models than the compact SUVs that rank near the top, but they still have an average insurance cost of $2,028 or less per year in El Paso.

The next table breaks down the top 30 cheapest vehicles to insure in El Paso, sorted by annual and monthly insurance cost.

Top 30 Cheapest Auto Insurance Rates in El Paso, TX
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,724$144
2Chevrolet Trailblazer$1,756$146
3Kia Soul$1,824$152
4Nissan Kicks$1,836$153
5Honda Passport$1,858$155
6Buick Envision$1,870$156
7Toyota Corolla Cross$1,882$157
8Hyundai Venue$1,896$158
9Mazda CX-5$1,904$159
10Ford Bronco Sport$1,912$159
11Volkswagen Tiguan$1,932$161
12Acura RDX$1,950$163
13Nissan Murano$1,964$164
14Buick Encore$1,984$165
15Subaru Outback$1,988$166
16Honda CR-V$1,990$166
17Buick Envista$1,996$166
18Volkswagen Taos$2,000$167
19Kia Niro$2,010$168
20Toyota GR Corolla$2,028$169
21Honda HR-V$2,030$169
22Subaru Ascent$2,030$169
23Nissan Leaf$2,044$170
24Chevrolet Colorado$2,054$171
25Honda Civic$2,066$172
26Lexus NX 250$2,066$172
27Volkswagen Atlas$2,070$173
28Acura Integra$2,076$173
29Subaru Forester$2,076$173
30Volkswagen Atlas Cross Sport$2,078$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Top 30 cheapest vehicles to insure in El Paso, TX with the Subaru Crosstrek ranking first at $1,724 per year
Top 30 cheapest vehicles to insure in El Paso, TX with the Subaru Crosstrek ranking first at $1,724 per year

The table above that contains 30 vehicle models with cheap El Paso car insurance serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A more useful way to look at rates in a coherent manner is to break them out by the segment they belong to. The following sections break out the top 20 vehicles with the lowest cost insurance rates in El Paso for the six most popular segments.

Cars with cheap auto insurance in El Paso, Texas

Ranking highest for the cheapest El Paso auto insurance rates in the car segment (excluding luxury models) are the Nissan Leaf, Honda Civic, Nissan Sentra, Toyota GR Corolla, and Subaru Impreza. Auto insurance prices for these 2024 models average $2,144 or less per year.

Also ranking well in our comparison are cars like the Kia K5, Toyota Prius, Toyota Corolla, and Chevrolet Malibu, with average insurance cost of $2,274 per year or less.

Some additional models that make the list include the Hyundai Ioniq 6, Hyundai Sonata, Toyota Crown, and Subaru Legacy, which cost between $2,274 and $2,414 per year for full-coverage insurance in El Paso.

From a monthly standpoint, auto insurance rates in El Paso on this segment for a safe driver will start around $169 per month, depending on your company and location. The next table ranks the cars with the cheapest insurance rates in El Paso, starting with the Toyota GR Corolla at $169 per month and ending with the Mazda 3 at $201 per month.

Cheapest Insurance for Cars in El Paso, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,028$169
Nissan LeafCompact$2,044$170
Honda CivicCompact$2,066$172
Nissan SentraCompact$2,140$178
Subaru ImprezaCompact$2,144$179
Toyota PriusCompact$2,182$182
Kia K5Midsize$2,248$187
Honda AccordMidsize$2,254$188
Chevrolet MalibuMidsize$2,264$189
Toyota CorollaCompact$2,274$190
Kia ForteCompact$2,280$190
Volkswagen ArteonMidsize$2,292$191
Nissan VersaCompact$2,300$192
Subaru LegacyMidsize$2,302$192
Hyundai Ioniq 6Midsize$2,324$194
Mitsubishi Mirage G4Compact$2,354$196
Volkswagen JettaCompact$2,362$197
Hyundai SonataMidsize$2,364$197
Toyota CrownMidsize$2,364$197
Mazda 3Compact$2,414$201

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in El Paso, TX, with the Toyota GR Corolla ranking first at $2,028 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in El Paso, TX, with the Toyota GR Corolla ranking first at $2,028 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Texas.

Cheapest SUVs to insure in El Paso

The Subaru Crosstrek ranks in the top spot for the most budget-friendly non-luxury SUV to insure in El Paso, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,724 per year for a full-coverage insurance policy.

Not the cheapest in the list, but still ranking well, are SUVs like the Buick Envision, Mazda CX-5, Ford Bronco Sport, and Hyundai Venue, with an average cost of $1,912 per year or less.

Car insurance in this segment for a good driver will start around $144 per month, depending on your location. The comparison table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in El Paso, starting with the Subaru Crosstrek at $1,724 per year ($144 per month) and ending with the Subaru Ascent at $2,030 per year ($169 per month).

Cheapest Insurance for SUVs in El Paso, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,724$144
Chevrolet TrailblazerCompact$1,756$146
Kia SoulCompact$1,824$152
Nissan KicksCompact$1,836$153
Honda PassportMidsize$1,858$155
Buick EnvisionCompact$1,870$156
Toyota Corolla CrossCompact$1,882$157
Hyundai VenueCompact$1,896$158
Mazda CX-5Compact$1,904$159
Ford Bronco SportCompact$1,912$159
Volkswagen TiguanCompact$1,932$161
Nissan MuranoMidsize$1,964$164
Buick EncoreCompact$1,984$165
Subaru OutbackMidsize$1,988$166
Honda CR-VCompact$1,990$166
Buick EnvistaMidsize$1,996$166
Volkswagen TaosCompact$2,000$167
Kia NiroCompact$2,010$168
Honda HR-VCompact$2,030$169
Subaru AscentMidsize$2,030$169

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in El Paso, TX, with the Subaru Crosstrek ranking first at $1,724 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in El Paso, TX, with the Subaru Crosstrek ranking first at $1,724 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Texas.

Luxury cars with affordable auto insurance rates in El Paso

The top-ranked vehicle in El Paso for the lowest-cost insurance in the luxury car segment is the Acura Integra, costing $2,076 per year. Second place is the BMW 330i at $2,378 per year, and ranking third is the Mercedes-Benz CLA250, at an average of $2,402 per year.

Not the cheapest, but still very affordable, are luxury cars like the Lexus ES 350, Mercedes-Benz AMG CLA35, Genesis G70, and Cadillac CT4, with an average cost to insure of $2,454 per year or less.

On a monthly basis, car insurance in El Paso on this segment starts at around $173 per month, depending on your location.

When rates are compared by vehicle size, the cheapest compact luxury car to insure in El Paso is the Acura Integra at $2,076 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,402 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,772 per year.

The table below ranks the twenty luxury cars with the lowest-cost average auto insurance rates in El Paso, starting with the Acura Integra at $2,076 per year and ending with the Audi S3 at $2,618 per year.

Cheapest Insurance for Luxury Cars in El Paso, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,076$173
BMW 330iCompact$2,378$198
Mercedes-Benz CLA250Midsize$2,402$200
Lexus IS 300Midsize$2,406$201
Acura TLXCompact$2,416$201
Cadillac CT4Compact$2,438$203
Lexus ES 350Midsize$2,438$203
Genesis G70Compact$2,446$204
Mercedes-Benz AMG CLA35Midsize$2,450$204
Lexus RC 300Midsize$2,454$205
Lexus IS 350Compact$2,466$206
Jaguar XFMidsize$2,470$206
Cadillac CT5Midsize$2,516$210
Lexus ES 250Midsize$2,524$210
Lexus RC 350Compact$2,532$211
BMW 330eCompact$2,534$211
BMW 228iCompact$2,538$212
BMW 230iCompact$2,558$213
Lexus ES 300hMidsize$2,562$214
Audi S3Compact$2,618$218

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in El Paso, TX, with the Acura Integra ranking first at $2,076 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in El Paso, TX, with the Acura Integra ranking first at $2,076 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your luxury car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap El Paso car insurance quotes from top-rated companies in Texas.

Cheapest luxury SUVs to insure in El Paso, TX

The top five models for the lowest-cost El Paso car insurance rates in the luxury SUV segment are the Cadillac XT4, Jaguar E-Pace, Acura RDX, Cadillac XT5, and Lexus NX 250. Auto insurance prices for these 2024 models average $2,204 or less per year.

Additional models that have good average insurance rates include the Lexus NX 450h, Lexus UX 250h, Lexus NX 350h, and Mercedes-Benz GLB 250, with average insurance cost of $2,248 per year or less.

From a cost per month standpoint, auto insurance in El Paso on this segment for a safe driver starts at an average of $163 per month, depending on the company and where you live.

The lowest-cost small luxury SUV to insure in El Paso is the Acura RDX at $1,950 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,182 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,618 per year.

The table below ranks the twenty SUVs with the cheapest average car insurance rates in El Paso, starting with the Acura RDX at $163 per month and ending with the Lexus RX 350 at $195 per month.

Cheapest Insurance for Luxury SUVs in El Paso, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,950$163
Lexus NX 250Compact$2,066$172
Cadillac XT4Compact$2,108$176
Jaguar E-PaceMidsize$2,182$182
Cadillac XT5Midsize$2,204$184
Lexus NX 350hCompact$2,204$184
Lincoln CorsairCompact$2,230$186
Mercedes-Benz GLB 250Compact$2,234$186
Lexus UX 250hCompact$2,236$186
Lexus NX 450hCompact$2,248$187
Infiniti QX50Midsize$2,266$189
Mercedes-Benz GLA250Compact$2,276$190
Cadillac XT6Midsize$2,284$190
Mercedes-Benz GLA35 AMGCompact$2,284$190
Infiniti QX60Midsize$2,296$191
Mercedes-Benz AMG GLB35Midsize$2,302$192
Land Rover EvoqueCompact$2,330$194
Acura MDXMidsize$2,332$194
Lexus NX 350Compact$2,342$195
Lexus RX 350Midsize$2,342$195

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in El Paso, TX, with the Acura RDX ranking first at $1,950 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in El Paso, TX, with the Acura RDX ranking first at $1,950 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap El Paso car insurance quotes from top-rated companies in Texas.

Sports cars with cheap car insurance rates

The #1 ranking in El Paso for cheapest insurance in the sports car segment is the Mazda MX-5 Miata, with an average cost of $2,160 per year. Second place is the Toyota GR86 costing $2,462 per year, and coming in third is the Ford Mustang, at an average of $2,564 per year.

Additional sports cars that rank well are the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with average cost of $2,788 per year or less.

From a monthly standpoint, auto insurance rates in El Paso on this segment for the average driver starts at an average of $180 per month, depending on where you live and the company you use.

The comparison table below ranks the sports cars with the lowest-cost auto insurance rates in El Paso, starting with the Mazda MX-5 Miata at $180 per month and ending with the Porsche Taycan at $329 per month.

Cheapest Insurance for Sports Cars in El Paso, TX
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,160$180
Toyota GR86Sports Car$2,462$205
Ford MustangSports Car$2,564$214
BMW Z4Sports Car$2,578$215
Subaru WRXSports Car$2,616$218
Toyota GR SupraSports Car$2,622$219
BMW M2Sports Car$2,698$225
Nissan ZSports Car$2,704$225
Lexus RC FSports Car$2,760$230
Subaru BRZSports Car$2,788$232
BMW M3Sports Car$2,948$246
Porsche 718Sports Car$3,004$250
Chevrolet CamaroSports Car$3,032$253
Chevrolet CorvetteSports Car$3,232$269
Porsche 911Sports Car$3,342$279
BMW M4Sports Car$3,480$290
Lexus LC 500Sports Car$3,500$292
Jaguar F-TypeSports Car$3,682$307
Mercedes-Benz AMG GT53Sports Car$3,866$322
Porsche TaycanSports Car$3,952$329

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Ranking of the cheapest sports cars to insure in El Paso, TX, with the Mazda MX-5 Miata ranking first at $2,160 per year.
Ranking of the cheapest sports cars to insure in El Paso, TX, with the Mazda MX-5 Miata ranking first at $2,160 per year.

Don’t see rates for your sports car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in El Paso.

Cheap pickup trucks to insure in El Paso, TX

The three top-ranked pickup trucks with the lowest-cost insurance rates in El Paso are the Chevrolet Colorado at $2,054 per year, the Nissan Titan at $2,182 per year, and the Nissan Frontier at $2,206 per year.

Not the cheapest, but still in the top 10, are pickups like the Toyota Tacoma, GMC Canyon, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average cost of $2,400 per year or less.

Full-coverage car insurance for this segment in El Paso starts at an average of $171 per month, depending on your location and insurance company. The comparison table below ranks the twenty pickups with the cheapest insurance rates in El Paso.

Cheapest Insurance for Pickups in El Paso, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,054$171
Nissan TitanFull-size$2,182$182
Nissan FrontierMidsize$2,206$184
Ford RangerMidsize$2,228$186
Ford MaverickMidsize$2,262$189
Honda RidgelineMidsize$2,314$193
Hyundai Santa CruzMidsize$2,354$196
Toyota TacomaMidsize$2,364$197
GMC Sierra 2500 HDHeavy Duty$2,372$198
GMC CanyonMidsize$2,400$200
Jeep GladiatorMidsize$2,458$205
GMC Sierra 3500Heavy Duty$2,472$206
Chevrolet Silverado HD 3500Heavy Duty$2,494$208
Chevrolet Silverado HD 2500Heavy Duty$2,562$214
GMC SierraFull-size$2,576$215
Chevrolet SilveradoFull-size$2,580$215
Nissan Titan XDHeavy Duty$2,580$215
Ford F150Full-size$2,612$218
GMC Hummer EV PickupFull-size$2,678$223
Ram TruckFull-size$2,698$225

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all El Paso, TX Zip Codes. Updated October 24, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in El Paso, TX, with the Chevrolet Colorado ranking first at $2,054 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in El Paso, TX, with the Chevrolet Colorado ranking first at $2,054 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see insurance rates for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Texas.

Tips for finding cheaper El Paso auto insurance

Financially savvy drivers in El Paso should always be searching for ways to cut the monthly cost of car insurance, so take a minute or two to look through the tips and ideas below and it’s very possible you can save a little money on your next policy.

  • Remove unneeded coverage on older vehicles. Deleting physical damage coverage from older vehicles that are not worth a lot will reduce the cost of car insurance considerably.
  • Shop around often. Setting aside 5-10 minutes to get free car insurance quotes is our top recommendation for saving money on car insurance. Companies make rate modifications frequently and you can change companies at any time.
  • Avoid driving violations to reduce policy cost. To get the cheapest auto insurance in El Paso, it pays to be a conservative driver. A couple of minor infractions on your driving record could end up increasing policy rates by at least $622 per year. Major misdemeanors like DWI or reckless driving could raise rates by an additional $2,168 or more.
  • Get cheaper rates because of your occupation. Many auto insurance companies offer discounts for specific professions like firefighters, lawyers, scientists, high school and elementary teachers, nurses, and others. By working in a job that qualifies, you may save between $70 and $227 on your car insurance bill, subject to policy limits.
  • Research discounts to save money. Discounted rates may be available if the policyholders take a defensive driving course, are good students, insure multiple vehicles on the same policy, are accident-free, or many other discounts which could save the average El Paso driver as much as $394 per year.
  • Excellent credit equals excellent rates. Having a credit score above 800 could save up to $366 per year when compared to a rating of 670-739. Conversely, a poor credit rating could cost up to $425 more per year. Not all states use credit score as a rating factor, so check with your agent or company.