- Average car insurance cost in El Paso is $2,290 per year, which is 3.1% more than the national average rate of $2,221.
- Monthly car insurance rates for a few popular models in El Paso include the Chevrolet Equinox at $176, Nissan Altima at $207, and GMC Sierra at $211.
- Compact SUV models like the Kia Sportage, Honda CR-V, and Toyota CH-R get the nod for cheap car insurance in El Paso.
- Auto insurance quotes in El Paso can vary significantly from as low as $34 per month for a liability-only policy to well over $673 per month for teenage drivers and high-risk drivers.
How much is car insurance in El Paso?
The average cost to insure a vehicle in El Paso is $2,290 per year, which is 3.1% more than the national average rate of $2,221 per year. The average cost of car insurance per month in El Paso is $191 for a full-coverage car insurance policy.
In the state of Texas, the average car insurance expense is $2,350 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, $2 per year less than in Fort Worth, and $18 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 the prior chart range from $1,902 per year for a 40-year-old driver who qualifies for many discounts to $5,266 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 $159 to $439.
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 – $8,151 per year or $679 per month
- 17 year old – $7,900 per year or $658 per month
- 18 year old – $7,078 per year or $590 per month
- 19 year old – $6,447 per year or $537 per month
- 20 year old – $4,606 per year or $384 per month
- 30 year old – $2,442 per year or $204 per month
- 40 year old – $2,290 per year or $191 per month
- 50 year old – $2,030 per year or $169 per month
- 60 year old – $1,902 per year or $159 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.
Car insurance for a 16-year-old female driver in El Paso costs an average of $532 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 $996 less per year.
El Paso’s favorite vehicles and the cost to insure them
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.
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 $2,704 per year cheaper than for a 20-year-old driver.
- El Paso average car insurance cost is more than the U.S. average – $2,290 (El Paso average) compared to $2,221 (U.S. average)
- El Paso auto insurance rates are cheaper than the Texas state average – $2,290 (El Paso average) compared to $2,350 (Texas average)
- Lower deductible car insurance is more expensive than high deductible – A 30-year-old driver pays an average of $624 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 $2,164 less each year than a 20-year-old driver, $2,442 compared to $4,606.
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 $1,858 or less per year ($155 per month) for full coverage car insurance.
Examples of other vehicles that rank towards the top in our cost comparison are the Honda CR-V, Acura RDX, Buick Envista, and Subaru Outback.
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 $1,994 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.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,692 | $141 |
| 2 | Chevrolet Trailblazer | $1,722 | $144 |
| 3 | Kia Soul | $1,788 | $149 |
| 4 | Nissan Kicks | $1,804 | $150 |
| 5 | Honda Passport | $1,826 | $152 |
| 6 | Buick Envision | $1,836 | $153 |
| 7 | Toyota Corolla Cross | $1,846 | $154 |
| 8 | Hyundai Venue | $1,858 | $155 |
| 9 | Mazda CX-5 | $1,868 | $156 |
| 10 | Ford Bronco Sport | $1,876 | $156 |
| 11 | Volkswagen Tiguan | $1,898 | $158 |
| 12 | Acura RDX | $1,916 | $160 |
| 13 | Nissan Murano | $1,926 | $161 |
| 14 | Buick Encore | $1,944 | $162 |
| 15 | Subaru Outback | $1,952 | $163 |
| 16 | Honda CR-V | $1,954 | $163 |
| 17 | Buick Envista | $1,958 | $163 |
| 18 | Volkswagen Taos | $1,962 | $164 |
| 19 | Kia Niro | $1,974 | $165 |
| 20 | Toyota GR Corolla | $1,990 | $166 |
| 21 | Honda HR-V | $1,994 | $166 |
| 22 | Subaru Ascent | $1,994 | $166 |
| 23 | Nissan Leaf | $2,006 | $167 |
| 24 | Chevrolet Colorado | $2,016 | $168 |
| 25 | Honda Civic | $2,026 | $169 |
| 26 | Lexus NX 250 | $2,028 | $169 |
| 27 | Volkswagen Atlas | $2,032 | $169 |
| 28 | Acura Integra | $2,038 | $170 |
| 29 | Subaru Forester | $2,040 | $170 |
| 30 | Volkswagen Atlas Cross Sport | $2,042 | $170 |
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 June 26, 2025
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 $2,106 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 $2,232 per year or less.
Some additional models that make the list include the Hyundai Ioniq 6, Hyundai Sonata, Volkswagen Jetta, and Subaru Legacy, which cost between $2,232 and $2,370 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 $166 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 $166 per month and ending with the Mazda 3 at $198 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,990 | $166 |
| Nissan Leaf | Compact | $2,006 | $167 |
| Honda Civic | Compact | $2,026 | $169 |
| Nissan Sentra | Compact | $2,098 | $175 |
| Subaru Impreza | Compact | $2,106 | $176 |
| Toyota Prius | Compact | $2,140 | $178 |
| Kia K5 | Midsize | $2,208 | $184 |
| Honda Accord | Midsize | $2,212 | $184 |
| Chevrolet Malibu | Midsize | $2,220 | $185 |
| Toyota Corolla | Compact | $2,232 | $186 |
| Kia Forte | Compact | $2,234 | $186 |
| Volkswagen Arteon | Midsize | $2,252 | $188 |
| Nissan Versa | Compact | $2,254 | $188 |
| Subaru Legacy | Midsize | $2,262 | $189 |
| Hyundai Ioniq 6 | Midsize | $2,278 | $190 |
| Mitsubishi Mirage G4 | Compact | $2,310 | $193 |
| Volkswagen Jetta | Compact | $2,314 | $193 |
| Toyota Crown | Midsize | $2,320 | $193 |
| Hyundai Sonata | Midsize | $2,322 | $194 |
| Mazda 3 | Compact | $2,370 | $198 |
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 June 26, 2025
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 $1,692 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 $1,876 per year or less.
Car insurance in this segment for a good driver will start around $141 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 $1,692 per year ($141 per month) and ending with the Subaru Ascent at $1,994 per year ($166 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,692 | $141 |
| Chevrolet Trailblazer | Compact | $1,722 | $144 |
| Kia Soul | Compact | $1,788 | $149 |
| Nissan Kicks | Compact | $1,804 | $150 |
| Honda Passport | Midsize | $1,826 | $152 |
| Buick Envision | Compact | $1,836 | $153 |
| Toyota Corolla Cross | Compact | $1,846 | $154 |
| Hyundai Venue | Compact | $1,858 | $155 |
| Mazda CX-5 | Compact | $1,868 | $156 |
| Ford Bronco Sport | Compact | $1,876 | $156 |
| Volkswagen Tiguan | Compact | $1,898 | $158 |
| Nissan Murano | Midsize | $1,926 | $161 |
| Buick Encore | Compact | $1,944 | $162 |
| Subaru Outback | Midsize | $1,952 | $163 |
| Honda CR-V | Compact | $1,954 | $163 |
| Buick Envista | Midsize | $1,958 | $163 |
| Volkswagen Taos | Compact | $1,962 | $164 |
| Kia Niro | Compact | $1,974 | $165 |
| Honda HR-V | Compact | $1,994 | $166 |
| Subaru Ascent | Midsize | $1,994 | $166 |
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 June 26, 2025
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 $2,038 per year. Second place is the BMW 330i at $2,334 per year, and ranking third is the Mercedes-Benz CLA250, at an average of $2,358 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 $2,408 per year or less.
On a monthly basis, car insurance in El Paso on this segment starts at around $170 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 $2,038 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,358 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,720 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 $2,038 per year and ending with the Audi S3 at $2,568 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,038 | $170 |
| BMW 330i | Compact | $2,334 | $195 |
| Mercedes-Benz CLA250 | Midsize | $2,358 | $197 |
| Lexus IS 300 | Midsize | $2,362 | $197 |
| Acura TLX | Compact | $2,370 | $198 |
| Lexus ES 350 | Midsize | $2,392 | $199 |
| Cadillac CT4 | Compact | $2,394 | $200 |
| Genesis G70 | Compact | $2,398 | $200 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,402 | $200 |
| Lexus RC 300 | Midsize | $2,408 | $201 |
| Lexus IS 350 | Compact | $2,418 | $202 |
| Jaguar XF | Midsize | $2,424 | $202 |
| Cadillac CT5 | Midsize | $2,468 | $206 |
| Lexus ES 250 | Midsize | $2,478 | $207 |
| Lexus RC 350 | Compact | $2,486 | $207 |
| BMW 330e | Compact | $2,488 | $207 |
| BMW 228i | Compact | $2,492 | $208 |
| BMW 230i | Compact | $2,512 | $209 |
| Lexus ES 300h | Midsize | $2,516 | $210 |
| Audi S3 | Compact | $2,568 | $214 |
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 June 27, 2025
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 $2,162 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 $2,210 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 $160 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 $1,916 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,142 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,568 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 $160 per month and ending with the Lexus RX 350 at $192 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,916 | $160 |
| Lexus NX 250 | Compact | $2,028 | $169 |
| Cadillac XT4 | Compact | $2,068 | $172 |
| Jaguar E-Pace | Midsize | $2,142 | $179 |
| Cadillac XT5 | Midsize | $2,162 | $180 |
| Lexus NX 350h | Compact | $2,162 | $180 |
| Lincoln Corsair | Compact | $2,188 | $182 |
| Mercedes-Benz GLB 250 | Compact | $2,194 | $183 |
| Lexus UX 250h | Compact | $2,196 | $183 |
| Lexus NX 450h | Compact | $2,210 | $184 |
| Infiniti QX50 | Midsize | $2,226 | $186 |
| Mercedes-Benz GLA250 | Compact | $2,234 | $186 |
| Cadillac XT6 | Midsize | $2,242 | $187 |
| Mercedes-Benz GLA35 AMG | Compact | $2,242 | $187 |
| Infiniti QX60 | Midsize | $2,252 | $188 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,256 | $188 |
| Land Rover Evoque | Compact | $2,286 | $191 |
| Acura MDX | Midsize | $2,290 | $191 |
| Lexus NX 350 | Compact | $2,298 | $192 |
| Lexus RX 350 | Midsize | $2,300 | $192 |
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 June 27, 2025
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 $2,122 per year. Second place is the Toyota GR86 costing $2,414 per year, and coming in third is the Ford Mustang, at an average of $2,516 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 $2,738 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 $177 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 $177 per month and ending with the Porsche Taycan at $323 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,122 | $177 |
| Toyota GR86 | Sports Car | $2,414 | $201 |
| Ford Mustang | Sports Car | $2,516 | $210 |
| BMW Z4 | Sports Car | $2,530 | $211 |
| Subaru WRX | Sports Car | $2,570 | $214 |
| Toyota GR Supra | Sports Car | $2,574 | $215 |
| BMW M2 | Sports Car | $2,646 | $221 |
| Nissan Z | Sports Car | $2,654 | $221 |
| Lexus RC F | Sports Car | $2,708 | $226 |
| Subaru BRZ | Sports Car | $2,738 | $228 |
| BMW M3 | Sports Car | $2,894 | $241 |
| Porsche 718 | Sports Car | $2,948 | $246 |
| Chevrolet Camaro | Sports Car | $2,974 | $248 |
| Chevrolet Corvette | Sports Car | $3,172 | $264 |
| Porsche 911 | Sports Car | $3,282 | $274 |
| BMW M4 | Sports Car | $3,418 | $285 |
| Lexus LC 500 | Sports Car | $3,436 | $286 |
| Jaguar F-Type | Sports Car | $3,614 | $301 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,792 | $316 |
| Porsche Taycan | Sports Car | $3,878 | $323 |
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 June 27, 2025
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 $2,016 per year, the Nissan Titan at $2,142 per year, and the Nissan Frontier at $2,166 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 $2,356 per year or less.
Full-coverage car insurance for this segment in El Paso starts at an average of $168 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.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,016 | $168 |
| Nissan Titan | Full-size | $2,142 | $179 |
| Nissan Frontier | Midsize | $2,166 | $181 |
| Ford Ranger | Midsize | $2,190 | $183 |
| Ford Maverick | Midsize | $2,222 | $185 |
| Honda Ridgeline | Midsize | $2,274 | $190 |
| Hyundai Santa Cruz | Midsize | $2,312 | $193 |
| Toyota Tacoma | Midsize | $2,318 | $193 |
| GMC Sierra 2500 HD | Heavy Duty | $2,328 | $194 |
| GMC Canyon | Midsize | $2,356 | $196 |
| Jeep Gladiator | Midsize | $2,410 | $201 |
| GMC Sierra 3500 | Heavy Duty | $2,426 | $202 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,446 | $204 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,512 | $209 |
| GMC Sierra | Full-size | $2,530 | $211 |
| Chevrolet Silverado | Full-size | $2,532 | $211 |
| Nissan Titan XD | Heavy Duty | $2,532 | $211 |
| Ford F150 | Full-size | $2,562 | $214 |
| GMC Hummer EV Pickup | Full-size | $2,626 | $219 |
| Ram Truck | Full-size | $2,648 | $221 |
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 June 27, 2025
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 $610 per year. Major misdemeanors like DWI or reckless driving could raise rates by an additional $2,124 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 $69 and $223 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 $388 per year.
- Excellent credit equals excellent rates. Having a credit score above 800 could save up to $360 per year when compared to a rating of 670-739. Conversely, a poor credit rating could cost up to $417 more per year. Not all states use credit score as a rating factor, so check with your agent or company.