Car Insurance in El Paso, Texas

Looking for affordable car insurance in El Paso, Texas? GEICO makes it easy to get the coverage you need to drive confidently in the Sun City. From downtown traffic to long stretches of desert highway, we help El Paso drivers stay protected with reliable coverage, low rates, and top-rated customer service.

Get a Car Insurance Quote in El Paso, TX

Finding the right car insurance in El Paso is easier than you might think. GEICO’s online quote tool lets you compare coverage options quickly and see what works best for your budget. Get a free, personalized auto insurance quote in minutes!

Minimum Car Insurance Requirements in El Paso, TX

Every state sets its own minimum car insurance requirements to protect drivers, and Texas is no exception. To legally drive in El Paso—or anywhere in the Lone Star State—you’ll need to carry a minimum amount of liability coverage.

Coverage Type Texas Minimum Limit
Bodily Injury Liability $30,000 per person / $60,000 per accident
Property Damage Liability $25,000

Auto Insurance Coverages in El Paso, TX

While Texas only requires drivers to carry liability insurance, state minimums aren’t always enough. From the busy lanes of I-10 to the scenic drives along the Franklin Mountains, the right car insurance helps keep El Paso drivers protected wherever the road leads. GEICO offers a variety of coverage options to fit your needs and budget.

Liability Coverage

Liability coverage helps pay for injuries or property damage you cause to others in an accident. It includes both bodily injury liability, which covers medical expenses for other people, and property damage liability, which helps pay for repairs to someone else’s vehicle or property. Texas requires all drivers to carry a minimum amount of liability insurance, but you can increase your limits for extra protection.

Collision & Comprehensive

Collision coverage helps pay to repair or replace your car after an accident, regardless of who’s at fault. Comprehensive coverage protects your vehicle from non-accident-related events like theft, vandalism, hail, or hitting an animal.

Medical Payments & PIP

Medical Payments (MedPay) helps cover medical expenses for you and your passengers after an accident, no matter who’s at fault. Personal Injury Protection (PIP) goes a step further by covering things like lost wages and rehabilitation costs. All Texas auto policies include PIP unless drivers waive the coverage.

Uninsured/Underinsured Motorist Coverage

If you’re in a crash with a driver who has no insurance or not  enough coverage, uninsured/underinsured motorist coverage can help pay for your medical bills and repairs to your car. It offers added peace of mind in situations where the other driver can’t cover the costs.

El Paso, TX Car Insurance Discounts

Great coverage shouldn’t break the bank. GEICO offers various car insurance discounts to help El Paso drivers find coverage that fits their lifestyle, such as:

  • Multi-policy: Bundle your auto policy with your homeowners or renters policy for savings on auto insurance.
  • Clean Driving Record: Maintain a clean driving record, and you may qualify for lower premiums.
  • *DriveEasy: Participate in the DriveEasy program through the GEICO mobile app and get rewarded for safe driving habits.
  • Auto Pay: Set up auto pay to unlock reduced car insurance rates.
  • Early Shopper: Purchase a GEICO auto policy before your current policy ends for a discount on your new coverage.
  • Homeownership: El Paso drivers may qualify for a car insurance discount just for being a homeowner.
  • Paperless: Help save the environment and your wallet by opting for paperless billing, documentation, and notifications.

How Much Does Car Insurance Cost in Texas?

Car insurance rates in Texas can vary based on several personal and regional factors. Where you live, how often you drive, and your driving history all play a role in what you’ll pay. Insurance companies also consider the type of vehicle you drive, how it's used, and the coverage options you choose. Other factors, such as your claims history or credit-based insurance score, may also affect your premium.

Optional Car Insurance Coverages and Add-Ons

Looking for extra protection on El Paso roads? GEICO offers optional coverages and add-ons that can help you handle unexpected situations with less stress and fewer out-of-pocket costs.

  • Emergency Roadside Service: If you’re locked out, have a flat tire, or need a tow, this coverage gives you 24/7 access to help when you need it most.
  • Rental Car Reimbursement: Covers the cost of a rental car while your vehicle is being repaired due to a covered claim, so you can stay on the move.
  • Mechanical Breakdown Insurance: Helps cover the cost of certain repairs to your vehicle’s mechanical parts, including items not covered under the manufacturer’s warranty, and may continue providing protection even after your manufacturer’s warranty expires.

Not sure which auto insurance coverages are right for you? Try our free coverage calculator!

Get a Free El Paso Car Insurance Quote Today!

Ready to see how much you could save on car insurance in El Paso? Get a fast, free quote online or speak with a GEICO insurance specialist today to explore coverage options that fit your needs.

Disclaimer:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

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