Cheap Auto Insurance in El Paso (2025)
Border traffic, low theft rates and plenty of regional carriers keep El Paso auto insurance costs among the lowest of Texas’ big cities. Liability deals start at $33 / month this year. Enter your ZIP to compare Fred Loya, Progressive, GEICO and more (see our Zebra vs Geico comparison), or bounce to the state guide, Houston, or San Antonio pages for city-by-city savings.
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Choose liability or full coverage, then see live El Paso prices in seconds.
Real-time rates direct from Texas insurers.
Cheapest Companies (ZIP 79936 sample)
| Insurer | Liability* | Full Cov.* |
|---|---|---|
| Fred Loya | $33/mo | $112/mo |
| GEICO | $35/mo | $118/mo |
| Progressive | $37/mo | $121/mo |
| Texas Farm Bureau | $38/mo | $124/mo |
| State Farm | $40/mo | $128/mo |
| Auto-Owners | $42/mo | $130/mo |
While local rates vary, don’t forget to check insurer reliability via insurance company financial strength ratings before choosing your policy.
Best & Worst El Paso ZIP Codes
- 79936 – East Side · 12 % below city average.
- 79901 – Downtown · 16 % above average (parking density).
- 79924 – Northeast · 6 % cheaper after multi-policy bundling.
Instant Discounts to Stack
- Telematics apps (Snapshot®, DriveEasy) – 10-25 %.
- Military & Fort Bliss personnel – up to 15 % at USAA & GEICO. You may also explore AAA insurance quotes if you qualify.
- Home + auto bundle (Las Tierras / Horizon City) – up to 20 %.
- Paperless & Auto-Pay – 5-8 % every term.
SR-22 & DUI in El Paso County
A first DWI drives premiums up ≈65 %. The SR-22 filing fee is about $25. See statewide costs in our SR-22 guide or compare Dallas for higher-risk savings ideas.
FAQ – El Paso Auto Insurance 2025
Cheapest ZIP for El Paso car insurance?
79936 posts the lowest average liability rate in 2025.
What causes downtown premiums to spike?
Higher crash density, paid parking lots and theft frequency raise BI & comp rates.
Texas minimum limits?
$30k/$60k/$25k (BI/BI/PD) statewide.