For a 40-year-old driver with a clean record, El Paso car insurance averages about $244 a month ($2,922 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 3% below the Texas average of $251 a month. State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $186 and $189 a month.
El Paso is about 3% cheaper than the Texas average for our benchmark driver. Among Texas cities where we price 10 or more ZIP codes, only Corpus Christi and Austin cost less. State Farm and Auto Club (AAA) are effectively tied for the lowest average among insurers anyone can buy from.
Our data covers 21 ZIP codes with an El Paso mailing address, and prices vary less than in most large Texas cities, from about $238 a month in 79904, 79911 and 79912 to $253 in 79928.
Cost data comes from the auto rates insurers file with state regulators, priced across all 21 El Paso ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in El Paso averages $2,922 a year, or about $244 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,002 a year ($84 a month), and 50/100/50 liability with comprehensive and collision averages $2,669 ($222 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $472 a month is 2.4 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the El Paso average would be about $198 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the insurers in our El Paso rate data that are among insurers anyone can buy from. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $59 a month, followed by GEICO at $67. USAA comes in even lower, at about $50 a month, but it sells only to military families.
Full-coverage averages by insurer in El Paso
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $712 | $59 | $2,228 | $186 |
| USAA (military families) | $598 | $50 | $2,247 | $187 |
| Auto Club (AAA) | $876 | $73 | $2,269 | $189 |
| GEICO | $800 | $67 | $2,366 | $197 |
| Progressive | $1,040 | $87 | $2,762 | $230 |
| Allstate | $1,984 | $165 | $5,659 | $472 |
| Texas Farm Bureau* | $510 | $43 | $1,332 | $111 |
| Farmers* | $1,295 | $108 | $4,400 | $367 |
| El Paso average | $1,002 | $84 | $2,922 | $244 |
This table uses El Paso ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 21 El Paso ZIP codes we price, full coverage for our driver ranges from about $238 a month in 79904, 79911 and 79912 to $253 in 79928, a gap of $180 a year. West Side ZIP codes such as 79911 and 79912 are the least expensive in our data, and east and southeast ZIP codes such as 79927, 79928 and 79938 are the most expensive.
Lowest-priced El Paso ZIP codes
Highest-priced El Paso ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below El Paso’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 79901 | $979 | $82 | $2,906 | $242 | -1% |
| 79902 | $983 | $82 | $2,893 | $241 | -1% |
| 79903 | $995 | $83 | $2,922 | $244 | About average |
| 79904 | $993 | $83 | $2,853 | $238 | -2% |
| 79905 | $999 | $83 | $2,949 | $246 | +1% |
| 79906 | $1,019 | $85 | $2,940 | $245 | About average |
| 79907 | $985 | $82 | $2,933 | $244 | About average |
| 79911 | $978 | $82 | $2,853 | $238 | -2% |
| 79912 | $986 | $82 | $2,860 | $238 | -2% |
| 79915 | $1,047 | $87 | $2,974 | $248 | +2% |
| 79922 | $998 | $83 | $2,864 | $239 | -2% |
| 79924 | $1,024 | $85 | $2,903 | $242 | -1% |
| 79925 | $1,002 | $84 | $2,879 | $240 | -2% |
| 79927 | $968 | $81 | $2,947 | $246 | +1% |
| 79928 | $1,011 | $84 | $3,033 | $253 | +4% |
| 79930 | $1,058 | $88 | $3,029 | $252 | +3% |
| 79932 | $1,007 | $84 | $2,872 | $239 | -2% |
| 79934 | $1,013 | $84 | $2,888 | $241 | -1% |
| 79935 | $968 | $81 | $2,868 | $239 | -2% |
| 79936 | $1,032 | $86 | $2,981 | $248 | +2% |
| 79938 | $996 | $83 | $3,015 | $251 | +3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $253 a year on average in our El Paso data, with the same $500 deductibles. That’s about $22 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same El Paso ZIP codes, their full-coverage average fell from $2,396 a year 10 months earlier to $2,374 in rates as of Sept. 30, 2026, a 0.9% drop. Auto Club (AAA) cut its El Paso average 10.5% and Progressive 3.8%, while USAA raised its average 9.4% and GEICO 3.5%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the El Paso average above. Liability-only coverage at 30/60/25 limits fell 4.1%, led by Auto Club (AAA), which cut its liability-only average 14.8%.
Mexico doesn’t recognize American auto insurance policies, so the Texas Department of Insurance says drivers heading into Mexico should buy a Mexican liability insurance policy. Some insurers sell add-on coverage for short trips, but it might not meet Mexico’s legal requirements.
El Paso County averages about $244 a month for full coverage in our data, the 54th-most expensive of the 179 Texas counties we price. Where you keep your car is one of the factors Texas insurers use, so your ZIP code can move your price.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
El Paso is far from the other Texas cities we cover. Midland–Odessa, about 260 miles east, averages $243 a month, and Lubbock averages $263.
Drivers in El Paso follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
El Paso County averages about $244 a month for full coverage and $84 for liability-only coverage across the 25 ZIP codes we price there, $7 a month below the Texas average of $251. It ranks 54th of the 179 Texas counties we price, from most to least expensive.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| El Paso County | 25 | $1,003 | $84 | $2,928 | $244 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the El Paso averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the two counties in this table, SUV policies cost the least on average and hybrid policies the most, about 25% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| El Paso | $1,275 | $1,095 | $1,209 | $1,286 | $1,352 |
| Hudspeth | $1,074 | $912 | $1,010 | $1,091 | $1,153 |
| Avg. Monthly Costs: | $97.92 | $83.66 | $92.50 | $99.08 | $104.42 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in El Paso averages about $244 a month ($2,922 a year) and liability-only coverage about $84 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 3% below the Texas average of $251 a month. Without Allstate, the El Paso average is about $198 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our El Paso rate data, at about $186 and $189 a month. USAA, which sells only to military families, averages about $187 a month. GEICO’s average is next, at $197. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $59 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
It’s below the state average for our benchmark driver. El Paso full coverage averages about $244 a month, compared with $251 statewide, and liability-only coverage averages about $84 a month.
In our data, 79904, 79911 and 79912 share the lowest full-coverage average in El Paso, at about $238 a month, and 79928 the highest, at about $253. The ZIP code table on this page lists all 21.
In our El Paso data, full coverage (100/300/100 with $500 deductibles) averages about $244 a month and liability-only coverage at 30/60/25 limits about $84, a difference of about $160 a month ($1,920 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their El Paso full-coverage average fell 0.9%, from about $2,396 to $2,374 a year. That’s lower than the El Paso average of $2,922 because it leaves out Allstate. Auto Club (AAA) cut its El Paso average 10.5% and Progressive 3.8%, while USAA raised its average 9.4% and GEICO 3.5%. Liability-only coverage at 30/60/25 limits fell 4.1%.
For our benchmark driver, full coverage in El Paso averages about $244 a month. Nearby, Midland–Odessa averages about $243, Lubbock about $263 and Amarillo about $276. Midland–Odessa is $1 a month cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
