Cheap Car Insurance in El Paso (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in El Paso (October 2025)

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On This Page
  • Cheapest minimum coverage insurance in El Paso
  • Cheapest full coverage insurance in El Paso
  • Cheapest car insurance for young drivers in El Paso (18-29 years old)
  • Cheapest car insurance for mature drivers in El Paso (30-54 years old)
  • Cheapest car insurance for older drivers (55+ years old)
  • Cheapest car insurance for drivers with clean records in El Paso
  • Cheapest car insurance for drivers with low credit scores in El Paso
  • Cheapest car insurance for drivers with at-fault accidents in El Paso
  • Cheapest car insurance for drivers with speeding tickets in El Paso
  • Cheapest car insurance for drivers with DUIs in El Paso

On top of the usual traffic concerns you’ll find in a large city, El Paso drivers also have to contend with border crossings. The city is a major port of entry into the U.S. and border traffic can stress its already-crowded roadways, especially during rush hour.

To protect yourself on the roads, it’s important to invest in a quality car insurance policy that fits your budget. To help you price shop, we’ve pulled real Jerry customer car insurance quotes for El Paso, so you can see how your age, driving record and preferred coverage affect your premium costs.

Cheapest minimum coverage insurance in El Paso

Texas requires you to have a minimum coverage of:

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

These are some of the cheapest quotes that Jerry customers received for state minimum coverage in El Paso.

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Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$30 $354 Geico 46 05/08/25 El Paso, TX 79907
$35 $419 Progressive 48 08/12/25 El Paso, TX 79925
$36 $432 Bluefire 40 06/18/25 El Paso, TX 79904
$36 $435 Progressive 45 06/25/25 El Paso, TX 79903
$39 $469 Progressive 50 04/22/25 El Paso, TX 79927
$40 $477 Progressive 53 09/18/25 El Paso, TX 79938
$41 $486 Geico 64 08/07/25 El Paso, TX 79938
$41 $496 Bluefire 43 06/21/25 El Paso, TX 79934
$41 $496 Bluefire 29 06/30/25 El Paso, TX 79912
$42 $503 Liberty Mutual 74 10/05/25 El Paso, TX 79924
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

More: Get cheap car insurance the smart way, today

Cheapest full coverage insurance in El Paso

Drivers concerned about car theft or damage from something other than an accident — like hitting an animal in the road — may consider full coverage, which combines comprehensive and collision to give you more protection than the minimum.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$56 $666 ROOT 41 05/18/25 El Paso, TX 79928
$56 $667 Progressive 53 09/17/25 El Paso, TX 79936
$56 $673 Progressive 58 04/21/25 El Paso, TX 79927
$62 $740 Electric 40 06/18/25 El Paso, TX 79938
$64 $773 Progressive 73 06/27/25 El Paso, TX 79936
$67 $801 Progressive 29 09/03/25 El Paso, TX 79903
$70 $835 Progressive 42 06/22/25 El Paso, TX 79936
$71 $849 Progressive 40 06/17/25 El Paso, TX 79912
$72 $859 Progressive 48 08/12/25 El Paso, TX 79925
$74 $887 Bristol West 30 08/12/25 El Paso, TX 79928
Last Updated Oct. 15, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in El Paso (18-29 years old)

El Pasoans between 18 and 29 years old could see savings by shopping for auto insurance.

To help you get started, here are some of the cheapest car insurance quotes young drivers in El Paso have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$41 $496 Bluefire 29 No 06/30/25 El Paso, TX 79912
$52 $619 Progressive 28 No 09/27/25 El Paso, TX 79902
$60 $718 Bluefire 25 No 08/28/25 El Paso, TX 79905
$60 $725 Progressive 26 No 05/27/25 El Paso, TX 79930
$61 $726 Bluefire 24 No 09/10/25 El Paso, TX 79932
$67 $801 Progressive 29 09/03/25 El Paso, TX 79903
$70 $835 Progressive 42 06/22/25 El Paso, TX 79936
$71 $849 Progressive 40 06/17/25 El Paso, TX 79912
$72 $859 Progressive 48 08/12/25 El Paso, TX 79925
$74 $887 Bristol West 30 08/12/25 El Paso, TX 79928
Last Updated Oct. 15, 2025

More: Best car insurance in Texas

Cheapest car insurance for mature drivers in El Paso (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$36 $435 Progressive 45 No 06/25/25 El Paso, TX 79903
$39 $469 Progressive 50 No 04/22/25 El Paso, TX 79927
$40 $477 Progressive 53 No 09/18/25 El Paso, TX 79938
$41 $496 Bluefire 43 No 06/21/25 El Paso, TX 79934
$43 $517 Progressive 37 No 09/02/25 El Paso, TX 79932
$67 $801 Progressive 29 09/03/25 El Paso, TX 79903
$70 $835 Progressive 42 06/22/25 El Paso, TX 79936
$71 $849 Progressive 40 06/17/25 El Paso, TX 79912
$72 $859 Progressive 48 08/12/25 El Paso, TX 79925
$74 $887 Bristol West 30 08/12/25 El Paso, TX 79928
Last Updated Oct. 15, 2025

More: Cheapest car insurance in Texas

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$41 $486 Geico 64 08/07/25 El Paso, TX 79938 No
$42 $503 Liberty Mutual 74 10/05/25 El Paso, TX 79924 No
$46 $553 Gainsco 59 09/21/25 El Paso, TX 79907 No
$51 $609 Bristol West 58 09/11/25 El Paso, TX 79927 No
$52 $622 Geico 64 08/03/25 El Paso, TX 79912 No
$67 $801 Progressive 29 09/03/25 El Paso, TX 79903
$70 $835 Progressive 42 06/22/25 El Paso, TX 79936
$71 $849 Progressive 40 06/17/25 El Paso, TX 79912
$72 $859 Progressive 48 08/12/25 El Paso, TX 79925
$74 $887 Bristol West 30 08/12/25 El Paso, TX 79928
Last Updated Oct. 15, 2025

More: Best Car Insurance for Seniors

Cheapest car insurance for drivers with clean records in El Paso

Having a clean driving record is one way to help keep your car insurance premium low. Here are quotes from Jerry customers in El Paso with spotless records.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$36 $435 Progressive 45 06/25/25 No El Paso, TX 79903
$39 $469 Progressive 50 04/22/25 No El Paso, TX 79927
$40 $477 Progressive 53 09/18/25 No El Paso, TX 79938
$41 $486 Geico 64 08/07/25 No El Paso, TX 79938
$41 $496 Bluefire 43 06/21/25 No El Paso, TX 79934
$41 $496 Bluefire 29 06/30/25 No El Paso, TX 79912
$42 $503 Liberty Mutual 74 10/05/25 No El Paso, TX 79924
$43 $517 Progressive 37 09/02/25 No El Paso, TX 79932
$44 $526 Bluefire 39 06/17/25 No El Paso, TX 79927
$45 $534 Bluefire 44 09/21/25 No El Paso, TX 79927
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in El Paso

Having a low credit score could drive up your car insurance rate. These are a few examples from drivers El Paso who got a quote via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $55 $657 Progressive 32 08/10/25 El Paso, TX 79938
<550 $57 $679 Progressive 48 02/07/25 El Paso, TX 79938
<550 $68 $821 Bluefire 38 07/20/25 El Paso, TX 79912
<550 $73 $871 Progressive 63 12/31/24 El Paso, TX 79915
<550 $73 $871 Progressive 65 05/17/25 El Paso, TX 79905
<550 $74 $887 Progressive 48 07/17/25 El Paso, TX 79936
<550 $80 $961 Bluefire 41 10/10/25 El Paso, TX 79932
<550 $85 $1,021 Progressive 35 10/26/24 El Paso, TX 79936
<550 $90 $1,081 Progressive 26 04/19/25 El Paso, TX 79925
<550 $91 $1,091 Progressive 41 07/13/25 El Paso, TX 79904
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in El Paso

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $45 $541 Progressive 33 No 04/24/24 El Paso, TX 79936
At Fault With No Injury $46 $553 Progressive 44 No 08/16/25 El Paso, TX 79902
At Fault With No Injury $57 $679 Commonwealth Insurance 40 No 05/09/24 El Paso, TX 79907
At Fault With No Injury $60 $721 Bluefire 52 No 06/11/25 El Paso, TX 79912
At Fault With No Injury $68 $813 Progressive 27 No 10/08/25 El Paso, TX 79915
$74 $887 Progressive 48 No 07/17/25 El Paso, TX 79936
$80 $961 Bluefire 41 No 10/10/25 El Paso, TX 79932
$85 $1,021 Progressive 35 No 10/26/24 El Paso, TX 79936
$90 $1,081 Progressive 26 No 04/19/25 El Paso, TX 79925
$91 $1,091 Progressive 41 No 07/13/25 El Paso, TX 79904
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in El Paso

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $50 $594 Bluefire 39 06/12/25 El Paso, TX 79905
Speeding over 15 $57 $680 ROOT 30 05/18/25 El Paso, TX 79935
Speeding over 15 $57 $686 Geico 19 10/07/25 El Paso, TX 79912
Speeding over 15 $69 $832 Bluefire 40 09/22/25 El Paso, TX 79925
Speeding over 15 $73 $878 ROOT 25 06/04/25 El Paso, TX 79907
$74 $887 Progressive 48 06/30/25 El Paso, TX 79936
$80 $961 Bluefire 41 10/05/25 El Paso, TX 79932
$85 $1,021 Progressive 35 09/02/25 El Paso, TX 79936
$90 $1,081 Progressive 26 06/17/25 El Paso, TX 79925
$91 $1,091 Progressive 41 09/21/25 El Paso, TX 79904
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with DUIs in El Paso

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $118 $1,412 Electric 31 09/10/25 El Paso, TX 79925
DUI $190 $2,282 ROOT 32 09/30/25 El Paso, TX 79932
DUI $261 $3,135 Progressive 37 07/07/25 El Paso, TX 79930
DUI $315 $3,782 Dairyland 28 05/01/25 El Paso, TX 79905
DUI $362 $4,347 National General 30 09/08/25 El Paso, TX 79934
$74 $887 Progressive 48 06/30/25 El Paso, TX 79936
$80 $961 Bluefire 41 10/05/25 El Paso, TX 79932
$85 $1,021 Progressive 35 09/02/25 El Paso, TX 79936
$90 $1,081 Progressive 26 06/17/25 El Paso, TX 79925
$91 $1,091 Progressive 41 09/21/25 El Paso, TX 79904
Last Updated Oct. 15, 2025

More: What is a DUI?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Expert-driven. Built for you.
Summary
Our goal is clear, trustworthy information.
Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.
Our experts
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

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