- Average car insurance cost in El Paso is $1,404 per year, which is 10.4% less than the national average rate of $1,567.
- Monthly car insurance rates for a few popular models in El Paso include the Chevrolet Equinox at $109, Nissan Altima at $131, and GMC Sierra at $119.
- 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 $1,404 per year, which is 10.4% less than the national average rate of $1,567 per year. The average cost of car insurance per month in El Paso is $117 for a full-coverage car insurance policy.
In the state of Texas, the average car insurance expense is $1,436 per year, so the cost in El Paso averages $32 less per year. When rates are compared to other cities in Texas, the average cost of car insurance in El Paso is around $222 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 $1,166 per year for a 40-year-old driver who qualifies for many discounts to $3,178 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 $97 to $265.
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 – $5,026 per year or $419 per month
- 17 year old – $4,692 per year or $391 per month
- 18 year old – $4,384 per year or $365 per month
- 19 year old – $3,964 per year or $330 per month
- 20 year old – $2,784 per year or $232 per month
- 30 year old – $1,476 per year or $123 per month
- 40 year old – $1,404 per year or $117 per month
- 50 year old – $1,276 per year or $106 per month
- 60 year old – $1,254 per year or $105 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 $602 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 $440 less per year.
El Paso’s favorite vehicles and the cost to insure them
The car insurance costs referenced previously are averaged for all 2022 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 $1,870 per year cheaper than for a 20-year-old driver.
- El Paso average car insurance cost is less than the U.S. average – $1,404 (El Paso average) compared to $1,567 (U.S. average)
- El Paso auto insurance rates are cheaper than the Texas state average – $1,404 (El Paso average) compared to $1,436 (Texas average)
- Lower deductible car insurance is more expensive than high deductible – A 30-year-old driver pays an average of $474 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 $1,596 less each year than a 20-year-old driver, $1,804 compared to $3,400.
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 Nissan Kicks, Chevrolet Trailblazer, Nissan Rogue Sport, and Buick Encore. Average auto insurance quotes for those compact SUVs cost $1,170 or less per year ($98 per month) for full coverage car insurance.
Examples of other vehicles that rank towards the top in our cost comparison are the Toyota Corolla Cross, Kia Seltos, Hyundai Kona, and Subaru Ascent.
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 $1,216 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 Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,068 | $89 |
| 2 | Nissan Kicks | $1,094 | $91 |
| 3 | Chevrolet Trailblazer | $1,102 | $92 |
| 4 | Subaru Crosstrek | $1,126 | $94 |
| 5 | Honda Passport | $1,128 | $94 |
| 6 | Chevrolet Colorado | $1,154 | $96 |
| 7 | Toyota C-HR | $1,154 | $96 |
| 8 | Buick Encore | $1,162 | $97 |
| 9 | Nissan Rogue Sport | $1,170 | $98 |
| 10 | Buick Envision | $1,192 | $99 |
| 11 | Hyundai Venue | $1,192 | $99 |
| 12 | Kia Seltos | $1,194 | $100 |
| 13 | Ford Maverick | $1,198 | $100 |
| 14 | Acura RDX | $1,202 | $100 |
| 15 | Subaru Ascent | $1,204 | $100 |
| 16 | Toyota Corolla Cross | $1,204 | $100 |
| 17 | Hyundai Kona | $1,212 | $101 |
| 18 | Mazda MX-5 Miata | $1,216 | $101 |
| 19 | Subaru Forester | $1,216 | $101 |
| 20 | Volkswagen Tiguan | $1,216 | $101 |
| 21 | Subaru Impreza | $1,218 | $102 |
| 22 | Chevrolet Spark | $1,224 | $102 |
| 23 | Honda CR-V | $1,228 | $102 |
| 24 | Cadillac XT4 | $1,230 | $103 |
| 25 | Mazda CX-30 | $1,242 | $104 |
| 26 | Ford Ranger | $1,246 | $104 |
| 27 | Honda HR-V | $1,262 | $105 |
| 28 | Ford Edge | $1,264 | $105 |
| 29 | Ford Ecosport | $1,272 | $106 |
| 30 | Subaru Outback | $1,286 | $107 |
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 Chevrolet Spark, Volkswagen Golf, Subaru Legacy, Subaru Impreza, and Volkswagen Jetta. Auto insurance prices for these 2022 models average $1,366 or less per year.
Also ranking well in our comparison are cars like the Nissan Sentra, Honda Insight, Toyota Camry, and Toyota Corolla, with average insurance cost of $1,380 per year or less.
Some additional models that make the list include the Mazda 6, Kia Forte, Hyundai Veloster, and Mazda 3, which cost between $1,380 and $1,460 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 $102 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 Subaru Impreza at $102 per month and ending with the Chevrolet Malibu at $122 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,218 | $102 |
| Chevrolet Spark | Compact | $1,224 | $102 |
| Volkswagen Golf | Compact | $1,348 | $112 |
| Subaru Legacy | Midsize | $1,360 | $113 |
| Honda Insight | Midsize | $1,364 | $114 |
| Volkswagen Jetta | Compact | $1,366 | $114 |
| Nissan Sentra | Compact | $1,370 | $114 |
| Toyota Corolla | Compact | $1,378 | $115 |
| Kia K5 | Midsize | $1,380 | $115 |
| Toyota Camry | Midsize | $1,380 | $115 |
| Kia Rio | Compact | $1,384 | $115 |
| Volkswagen Passat | Midsize | $1,386 | $116 |
| Honda Civic | Compact | $1,388 | $116 |
| Mazda 3 | Compact | $1,396 | $116 |
| Mazda 6 | Midsize | $1,398 | $117 |
| Toyota Prius | Compact | $1,402 | $117 |
| Hyundai Accent | Compact | $1,420 | $118 |
| Hyundai Veloster | Compact | $1,434 | $120 |
| Kia Forte | Compact | $1,436 | $120 |
| Chevrolet Malibu | Midsize | $1,460 | $122 |
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 Mazda CX-5 ranks in the top spot for the most budget-friendly non-luxury SUV to insure in El Paso, followed by the Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. The 2022 model averages $1,068 per year for a full-coverage insurance policy.
Not the cheapest in the list, but still ranking well, are SUVs like the Toyota C-HR, Hyundai Venue, Buick Envision, and Nissan Rogue Sport, with an average cost of $1,192 per year or less.
Car insurance in this segment for a good driver will start around $89 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 Mazda CX-5 at $1,068 per year ($89 per month) and ending with the Ford Edge at $1,264 per year ($105 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-5 | Compact | $1,068 | $89 |
| Nissan Kicks | Compact | $1,094 | $91 |
| Chevrolet Trailblazer | Compact | $1,102 | $92 |
| Subaru Crosstrek | Compact | $1,126 | $94 |
| Honda Passport | Midsize | $1,128 | $94 |
| Toyota C-HR | Compact | $1,154 | $96 |
| Buick Encore | Compact | $1,162 | $97 |
| Nissan Rogue Sport | Compact | $1,170 | $98 |
| Buick Envision | Compact | $1,192 | $99 |
| Hyundai Venue | Compact | $1,192 | $99 |
| Kia Seltos | Compact | $1,194 | $100 |
| Subaru Ascent | Midsize | $1,204 | $100 |
| Toyota Corolla Cross | Compact | $1,204 | $100 |
| Hyundai Kona | Compact | $1,212 | $101 |
| Subaru Forester | Compact | $1,216 | $101 |
| Volkswagen Tiguan | Compact | $1,216 | $101 |
| Honda CR-V | Compact | $1,228 | $102 |
| Mazda CX-30 | Compact | $1,242 | $104 |
| Honda HR-V | Compact | $1,262 | $105 |
| Ford Edge | Midsize | $1,264 | $105 |
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 ILX, costing $1,292 per year. Second place is the Mercedes-Benz A220 at $1,378 per year, and ranking third is the BMW 330i, at an average of $1,482 per year.
Not the cheapest, but still very affordable, are luxury cars like the BMW 228i, Lexus RC 300, BMW 230i, and BMW 330e, with an average cost to insure of $1,558 per year or less.
On a monthly basis, car insurance in El Paso on this segment starts at around $108 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 Mercedes-Benz A220 at $1,378 per year. For midsize luxury models, the Acura ILX has the cheapest rates at $1,292 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $1,648 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 ILX at $1,292 per year and ending with the Audi S3 at $1,630 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura ILX | Midsize | $1,292 | $108 |
| Mercedes-Benz A220 | Compact | $1,378 | $115 |
| BMW 330i | Compact | $1,482 | $124 |
| Acura TLX | Compact | $1,492 | $124 |
| Volvo S60 | Compact | $1,506 | $126 |
| BMW 330e | Compact | $1,510 | $126 |
| BMW 228i | Compact | $1,518 | $127 |
| BMW 230i | Compact | $1,528 | $127 |
| Lexus RC 300 | Midsize | $1,554 | $130 |
| Alfa Romeo Giulia | Compact | $1,558 | $130 |
| Cadillac CT4 | Compact | $1,558 | $130 |
| Lexus RC 350 | Compact | $1,562 | $130 |
| Genesis G70 | Compact | $1,584 | $132 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,592 | $133 |
| BMW i4 | Midsize | $1,600 | $133 |
| Cadillac CT5 | Midsize | $1,606 | $134 |
| Audi A3 | Midsize | $1,622 | $135 |
| Audi A4 | Compact | $1,626 | $136 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,628 | $136 |
| Audi S3 | Compact | $1,630 | $136 |
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 Volvo XC40, Cadillac XT5, Acura RDX, Lexus NX 250, and Cadillac XT4. Auto insurance prices for these 2022 models average $1,396 or less per year.
Additional models that have good average insurance rates include the Lexus UX 200, Lexus NX 350, BMW X1, and Lexus UX 250h, with average insurance cost of $1,434 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 $100 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 $1,202 per year. For midsize luxury models, the Cadillac XT5 is the cheapest model to insure at $1,378 per year. And for full-size luxury SUVs, the Volvo XC90 has the most affordable rates at $1,520 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 $100 per month and ending with the Lincoln Corsair at $124 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,202 | $100 |
| Cadillac XT4 | Compact | $1,230 | $103 |
| Volvo XC40 | Compact | $1,348 | $112 |
| Cadillac XT5 | Midsize | $1,378 | $115 |
| Lexus NX 250 | Compact | $1,396 | $116 |
| BMW X1 | Compact | $1,398 | $117 |
| Lexus NX 350h | Compact | $1,404 | $117 |
| Lexus UX 250h | Compact | $1,406 | $117 |
| Lexus NX 350 | Compact | $1,430 | $119 |
| Lexus UX 200 | Compact | $1,434 | $120 |
| Jaguar E-Pace | Midsize | $1,438 | $120 |
| Lexus RX 350 | Midsize | $1,444 | $120 |
| Acura MDX | Midsize | $1,450 | $121 |
| Lincoln Nautilus | Midsize | $1,464 | $122 |
| Lexus NX 450h | Compact | $1,468 | $122 |
| Mercedes-Benz GLB 250 | Compact | $1,476 | $123 |
| Lexus RX 450h | Midsize | $1,480 | $123 |
| Land Rover Evoque | Compact | $1,482 | $124 |
| Infiniti QX50 | Midsize | $1,484 | $124 |
| Lincoln Corsair | Compact | $1,486 | $124 |
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 $1,216 per year. Second place is the Ford Mustang costing $1,480 per year, and coming in third is the BMW Z4, at an average of $1,508 per year.
Additional sports cars that rank well are the Chevrolet Corvette, Audi TT, Subaru BRZ, and Toyota GR Supra, with average cost of $1,818 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 $101 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 $101 per month and ending with the Lexus LC 500 at $193 per month.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,216 | $101 |
| Ford Mustang | Sports Car | $1,480 | $123 |
| BMW Z4 | Sports Car | $1,508 | $126 |
| Subaru WRX | Sports Car | $1,596 | $133 |
| Toyota GR86 | Sports Car | $1,636 | $136 |
| Toyota GR Supra | Sports Car | $1,672 | $139 |
| Audi TT | Sports Car | $1,708 | $142 |
| Subaru BRZ | Sports Car | $1,758 | $147 |
| Chevrolet Corvette | Sports Car | $1,770 | $148 |
| BMW M3 | Sports Car | $1,818 | $152 |
| Porsche 718 | Sports Car | $1,896 | $158 |
| Chevrolet Camaro | Sports Car | $1,946 | $162 |
| Lexus RC F | Sports Car | $1,990 | $166 |
| Dodge Challenger | Sports Car | $1,996 | $166 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,026 | $169 |
| Jaguar F-Type | Sports Car | $2,120 | $177 |
| Porsche Taycan | Sports Car | $2,176 | $181 |
| Porsche 911 | Sports Car | $2,230 | $186 |
| BMW M4 | Sports Car | $2,234 | $186 |
| Lexus LC 500 | Sports Car | $2,314 | $193 |
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 $1,154 per year, the Ford Maverick at $1,198 per year, and the Ford Ranger at $1,246 per year.
Not the cheapest, but still in the top 10, are pickups like the Ford F150, Jeep Gladiator, GMC Canyon, and Honda Ridgeline, with average cost of $1,380 per year or less.
Full-coverage car insurance for this segment in El Paso starts at an average of $96 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/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,154 | $96 |
| Ford Maverick | Midsize | $1,198 | $100 |
| Ford Ranger | Midsize | $1,246 | $104 |
| Toyota Tacoma | Midsize | $1,304 | $109 |
| Nissan Frontier | Midsize | $1,336 | $111 |
| Hyundai Santa Cruz | Midsize | $1,348 | $112 |
| GMC Canyon | Midsize | $1,350 | $113 |
| Ford F150 | Full-size | $1,358 | $113 |
| Honda Ridgeline | Midsize | $1,366 | $114 |
| Jeep Gladiator | Midsize | $1,380 | $115 |
| GMC Sierra | Full-size | $1,428 | $119 |
| Nissan Titan | Full-size | $1,482 | $124 |
| Chevrolet Silverado | Full-size | $1,508 | $126 |
| Toyota Tundra | Full-size | $1,510 | $126 |
| Ford F350 Super Duty | Heavy Duty | $1,524 | $127 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,536 | $128 |
| Nissan Titan XD | Heavy Duty | $1,576 | $131 |
| Ram Truck | Full-size | $1,604 | $134 |
| GMC Sierra 2500 HD | Heavy Duty | $1,638 | $137 |
| GMC Sierra 3500 | Heavy Duty | $1,652 | $138 |
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 $368 per year. Major misdemeanors like DWI or reckless driving could raise rates by an additional $1,282 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 $42 and $147 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 $238 per year.
- Excellent credit equals excellent rates. Having a credit score above 800 could save up to $220 per year when compared to a rating of 670-739. Conversely, a poor credit rating could cost up to $256 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
