Cheap Car Insurance in El Paso (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 3, 2025
Insurance price card

Cheap Car Insurance in El Paso (July 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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 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.

COMPARE AFFORDABLE CAR INSURANCE WITH JERRY
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$36 $435 Progressive 40 March 2, 2025 El Paso, TX 79930
$40 $479 Commonwealth Insurance 36 November 21, 2024 El Paso, TX 79907
$40 $483 Progressive 35 August 14, 2024 El Paso, TX 79912
$41 $491 Progressive 42 February 26, 2024 El Paso, TX 79912
$42 $499 Progressive 41 November 25, 2024 El Paso, TX 79925
$43 $519 Progressive 48 June 28, 2025 El Paso, TX 79936
$45 $541 Progressive 33 April 24, 2024 El Paso, TX 79936
$45 $543 Progressive 49 June 19, 2024 El Paso, TX 79902
$46 $549 Progressive 45 July 1, 2025 El Paso, TX 79904
$46 $553 Commonwealth Insurance 59 May 14, 2025 El Paso, TX 79905
Last Updated Jul 10, 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 Policy
City, State
ZIP Code
$47 $565 Progressive 49 June 13, 2024 El Paso, TX 79902
$48 $575 Progressive 35 May 29, 2024 El Paso, TX 79927
$48 $581 Progressive 66 April 30, 2024 El Paso, TX 79934
$49 $587 Progressive 33 March 10, 2025 El Paso, TX 79934
$55 $663 Progressive 51 April 29, 2024 El Paso, TX 79938
$59 $705 Progressive 57 April 8, 2025 El Paso, TX 79922
$59 $705 Progressive 55 June 3, 2025 El Paso, TX 79936
$60 $719 Progressive 58 April 21, 2025 El Paso, TX 79927
$63 $751 Progressive 79 April 15, 2025 El Paso, TX 79936
$66 $789 Progressive 63 December 31, 2024 El Paso, TX 79915
Last Updated Jul 10, 2025

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 Policy
City, State
ZIP Code
$51 $611 Progressive 29 No May 27, 2025 El Paso, TX 79924
$57 $679 Commonwealth Insurance 28 No July 28, 2024 El Paso, TX 79932
$58 $698 Commonwealth Insurance 26 No September 25, 2024 El Paso, TX 79915
$60 $723 Progressive 27 No May 9, 2025 El Paso, TX 79915
$64 $773 Progressive 24 No January 20, 2024 El Paso, TX 79912
Last Updated Jul 10, 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 Policy
City, State
ZIP Code
$36 $435 Progressive 40 No March 2, 2025 El Paso, TX 79930
$40 $479 Commonwealth Insurance 36 No November 21, 2024 El Paso, TX 79907
$40 $483 Progressive 35 No August 14, 2024 El Paso, TX 79912
$41 $491 Progressive 42 No February 26, 2024 El Paso, TX 79912
$42 $499 Progressive 41 No November 25, 2024 El Paso, TX 79925
Last Updated Jul 10, 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 Policy
City, State
ZIP Code
Has Full Coverage
$46 $553 Commonwealth Insurance 59 May 14, 2025 El Paso, TX 79905 No
$48 $581 Progressive 66 April 30, 2024 El Paso, TX 79934 Yes
$50 $595 Progressive 58 October 8, 2024 El Paso, TX 79925 No
$53 $631 Progressive 71 June 13, 2024 El Paso, TX 79915 No
$54 $649 Progressive 55 February 24, 2025 El Paso, TX 79912 No
Last Updated Jul 10, 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 Policy
Has Full Coverage
City, State
ZIP Code
$36 $435 Progressive 40 March 2, 2025 No El Paso, TX 79930
$40 $479 Commonwealth Insurance 36 November 21, 2024 No El Paso, TX 79907
$40 $483 Progressive 35 August 14, 2024 No El Paso, TX 79912
$41 $491 Progressive 42 February 26, 2024 No El Paso, TX 79912
$42 $499 Progressive 41 November 25, 2024 No El Paso, TX 79925
$43 $519 Progressive 48 June 28, 2025 No El Paso, TX 79936
$45 $543 Progressive 49 June 19, 2024 No El Paso, TX 79902
$46 $549 Progressive 45 July 1, 2025 No El Paso, TX 79904
$47 $565 Progressive 43 December 5, 2024 No El Paso, TX 79912
$48 $575 Progressive 35 May 29, 2024 No El Paso, TX 79927
Last Updated Jul 10, 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 $54 $649 Commonwealth Insurance 35 August 20, 2024 El Paso, TX 79924
<550 $58 $698 Commonwealth Insurance 26 September 25, 2024 El Paso, TX 79915
<550 $61 $738 Commonwealth Insurance 37 April 1, 2024 El Paso, TX 79930
<550 $66 $789 Progressive 63 December 31, 2024 El Paso, TX 79915
<550 $68 $815 Progressive 30 March 11, 2024 El Paso, TX 79927
<550 $68 $819 Progressive 41 October 1, 2024 El Paso, TX 79904
<550 $69 $831 Bluefire 34 January 12, 2024 El Paso, TX 79904
<550 $76 $911 Bluefire 35 June 29, 2025 El Paso, TX 79928
<550 $78 $933 Progressive 32 June 28, 2024 El Paso, TX 79928
<550 $81 $967 Progressive 30 January 24, 2025 El Paso, TX 79924
Last Updated Jul 10, 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 April 24, 2024 El Paso, TX 79936
At Fault With No Injury $53 $638 Safeco 36 No January 24, 2024 El Paso, TX 79902
At Fault With No Injury $54 $649 Progressive 55 No February 24, 2025 El Paso, TX 79912
At Fault With No Injury $55 $663 Progressive 51 Yes April 29, 2024 El Paso, TX 79938
At Fault With No Injury $66 $795 Progressive 62 No July 25, 2024 El Paso, TX 79924
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with speeding tickets in El Paso

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $51 $607 Progressive 41 February 11, 2025 El Paso, TX 79907
Speeding over 15 $54 $649 Progressive 55 February 24, 2025 El Paso, TX 79912
Speeding over 15 $58 $695 Bluefire 37 December 2, 2024 El Paso, TX 79912
Speeding over 15 $67 $799 Progressive 38 September 5, 2024 El Paso, TX 79927
Speeding over 15 $76 $911 Bluefire 35 June 29, 2025 El Paso, TX 79928
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with DUIs in El Paso

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $85 $1,021 Progressive 35 October 26, 2024 El Paso, TX 79936
DUI $92 $1,110 Progressive 30 June 23, 2024 El Paso, TX 79904
DUI $121 $1,449 Progressive 31 October 6, 2024 El Paso, TX 79925
DUI $139 $1,667 Bristol West 30 February 11, 2025 El Paso, TX 79934
DUI $236 $2,827 ROOT 42 April 3, 2025 El Paso, TX 79927
Last Updated Jul 10, 2025

More: What is a DUI?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET 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 $85 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.