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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $32 | $385 | Progressive | 71 | May 16, 2025 | El Paso, TX | 79912 |
| $38 | $455 | Progressive | 37 | June 13, 2025 | El Paso, TX | 79928 |
| $42 | $498 | Geico | 54 | July 7, 2025 | El Paso, TX | 79924 |
| $43 | $520 | Geico | 40 | March 3, 2025 | El Paso, TX | 79934 |
| $44 | $526 | Electric | 40 | June 18, 2025 | El Paso, TX | 79938 |
| $47 | $568 | Bluefire | 41 | June 19, 2025 | El Paso, TX | 79904 |
| $49 | $591 | Bluefire | 51 | February 18, 2025 | El Paso, TX | 79936 |
| $50 | $596 | Bluefire | 40 | June 17, 2025 | El Paso, TX | 79935 |
| $50 | $598 | Bluefire | 46 | June 27, 2025 | El Paso, TX | 79903 |
| $50 | $605 | Progressive | 37 | March 8, 2025 | El Paso, TX | 79905 |
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|---|---|---|---|---|---|
| $60 | $719 | Progressive | 41 | June 19, 2025 | El Paso, TX | 79907 |
| $63 | $755 | Progressive | 40 | June 18, 2025 | El Paso, TX | 79938 |
| $64 | $771 | Progressive | 44 | June 23, 2025 | El Paso, TX | 79932 |
| $72 | $867 | Progressive | 36 | June 14, 2025 | El Paso, TX | 79915 |
| $72 | $868 | ROOT | 55 | June 3, 2025 | El Paso, TX | 79936 |
| $74 | $885 | Progressive | 66 | May 29, 2025 | El Paso, TX | 79932 |
| $78 | $933 | Progressive | 38 | June 17, 2025 | El Paso, TX | 79928 |
| $80 | $961 | Progressive | 37 | June 16, 2025 | El Paso, TX | 79925 |
| $81 | $971 | Progressive | 43 | June 24, 2025 | El Paso, TX | 79924 |
| $83 | $991 | Progressive | 25 | March 26, 2025 | El Paso, TX | 79911 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|---|---|---|---|---|---|---|
| $58 | $692 | Safeco | 29 | No | May 30, 2025 | El Paso, TX | 79928 |
| $68 | $813 | Progressive | 24 | No | March 10, 2025 | El Paso, TX | 79906 |
| $73 | $874 | Geico | 27 | No | June 25, 2025 | El Paso, TX | 79912 |
| $75 | $902 | Bluefire | 26 | No | May 27, 2025 | El Paso, TX | 79930 |
| $78 | $937 | Progressive | 28 | No | July 23, 2025 | El Paso, TX | 79927 |
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
|
|---|---|---|---|---|---|---|---|
| $38 | $455 | Progressive | 37 | No | June 13, 2025 | El Paso, TX | 79928 |
| $42 | $498 | Geico | 54 | No | July 7, 2025 | El Paso, TX | 79924 |
| $43 | $520 | Geico | 40 | No | March 3, 2025 | El Paso, TX | 79934 |
| $44 | $526 | Electric | 40 | No | June 18, 2025 | El Paso, TX | 79938 |
| $47 | $568 | Bluefire | 41 | No | June 19, 2025 | El Paso, TX | 79904 |
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
|
|---|---|---|---|---|---|---|---|
| $61 | $732 | Geico | 87 | April 18, 2025 | El Paso, TX | 79907 | No |
| $62 | $739 | Commonwealth Insurance | 65 | May 17, 2025 | El Paso, TX | 79905 | No |
| $65 | $783 | Bristol West | 55 | June 3, 2025 | El Paso, TX | 79936 | No |
| $66 | $787 | Gainsco | 64 | July 6, 2025 | El Paso, TX | 79905 | No |
| $74 | $885 | Progressive | 66 | May 29, 2025 | El Paso, TX | 79932 | Yes |
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
|
|---|---|---|---|---|---|---|---|
| $38 | $455 | Progressive | 37 | June 13, 2025 | No | El Paso, TX | 79928 |
| $42 | $498 | Geico | 54 | July 7, 2025 | No | El Paso, TX | 79924 |
| $43 | $520 | Geico | 40 | March 3, 2025 | No | El Paso, TX | 79934 |
| $44 | $526 | Electric | 40 | June 18, 2025 | No | El Paso, TX | 79938 |
| $47 | $568 | Bluefire | 41 | June 19, 2025 | No | El Paso, TX | 79904 |
| $49 | $591 | Bluefire | 51 | February 18, 2025 | No | El Paso, TX | 79936 |
| $50 | $596 | Bluefire | 40 | June 17, 2025 | No | El Paso, TX | 79935 |
| $50 | $598 | Bluefire | 46 | June 27, 2025 | No | El Paso, TX | 79903 |
| $50 | $605 | Progressive | 37 | March 8, 2025 | No | El Paso, TX | 79905 |
| $52 | $629 | Assurance America | 41 | June 19, 2025 | No | El Paso, TX | 79936 |
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 | $49 | $587 | Commonwealth Insurance | 48 | July 11, 2024 | El Paso, TX | 79903 |
| <550 | $50 | $603 | Commonwealth Insurance | 50 | December 21, 2024 | El Paso, TX | 79928 |
| <550 | $61 | $738 | Commonwealth Insurance | 37 | April 1, 2024 | El Paso, TX | 79930 |
| <550 | $63 | $761 | Commonwealth Insurance | 38 | July 20, 2025 | El Paso, TX | 79912 |
| <550 | $68 | $815 | Progressive | 30 | March 11, 2024 | El Paso, TX | 79927 |
| <550 | $73 | $871 | Progressive | 63 | December 31, 2024 | El Paso, TX | 79915 |
| <550 | $74 | $887 | Progressive | 48 | July 17, 2025 | El Paso, TX | 79936 |
| <550 | $76 | $911 | Progressive | 36 | April 2, 2025 | El Paso, TX | 79938 |
| <550 | $83 | $994 | Progressive | 48 | February 7, 2025 | El Paso, TX | 79938 |
| <550 | $85 | $1,021 | Progressive | 35 | October 26, 2024 | El Paso, TX | 79936 |
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 | $57 | $679 | Commonwealth Insurance | 40 | No | May 9, 2024 | El Paso, TX | 79907 |
| At Fault With No Injury | $63 | $761 | Commonwealth Insurance | 38 | No | July 20, 2025 | El Paso, TX | 79912 |
| At Fault With No Injury | $66 | $797 | Bristol West | 52 | No | June 11, 2025 | El Paso, TX | 79912 |
| At Fault With No Injury | $67 | $801 | Commonwealth Insurance | 41 | No | March 23, 2025 | El Paso, TX | 79911 |
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 | $67 | $799 | Progressive | 38 | September 5, 2024 | El Paso, TX | 79927 |
| Speeding under 15 | $67 | $801 | Commonwealth Insurance | 41 | March 23, 2025 | El Paso, TX | 79911 |
| Speeding under 15 | $80 | $954 | Electric | 42 | September 26, 2024 | El Paso, TX | 79924 |
| Speeding over 15 | $86 | $1,027 | Bluefire | 28 | April 8, 2025 | El Paso, TX | 79924 |
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 |
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.
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.
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.
