LIABILITY COVERAGE
Liability coverage helps pay for the affected party's property damage and medical injuries if you ever cause an accident, along with the legal costs.
WHY PAY MORE?
GET AFFORDABLE AUTO INSURANCE RATES IN EL PASO, TX
Car 
Motorcycle 
Commercial
Roadside Assistance
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF VEHICLES CAN I INSURE IN EL PASO, TX?
Cars
We provide reliable car insurance for all makes and models, ensuring coverage for accidents and unexpected events. Drive with confidence wherever you go, knowing you are covered!
Motorcycles
Motorcyclists can get durable motorcycle insurance covering road crashes, theft, vandalism, and more. You can enjoy the trip while we keep your ride secure against damage!
Classic Cars
Our classic car insurance shields your valuable ride against theft, vandalism, and other risks, preserving its appeal. Keep your timeless beauty protected for years to come.
Recreational Vehicles
Our recreational vehicle insurance covers motorhomes and RVs, securing your adventures against unforeseen issues. Travel with assurance, knowing your RV is fully protected.
Boats
Protect your boat or watercraft with our insurance, offering extensive coverage against collisions and other maritime hazards. Set sail confidently, knowing you are covered!
Off-Road Vehicles
From dirt bikes to dune buggies, our off-road vehicle insurance protects your adventurous rides from accidents and damage. Tackle any terrain while we take care of the unforeseen!
Vans
We offer personal or commercial van insurance, protecting against theft, vandalism, accidents, and other risks. Keep your business operations running smoothly without worry!
Trucks
Our truck insurance provides complete coverage for road accidents, natural disasters, and potential liabilities, ensuring the repair and replacement costs are taken care of.
WHY IS CINCO THE BEST CHOICE FOR CAR INSURANCE IN EL PASO, TX?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/ Phone/ In-Person Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY CAR IN EL PASO, TX?
COLLISION COVERAGE
Collision coverage helps cover the costs of vehicle damage you incur after an accident, whether you are at fault or not, ensuring financial support.
COMPREHENSIVE COVERAGE
Storms, natural disasters, and car theft are just a few of the many non-accident-related scenarios for which comprehensive coverage insures your vehicle.
PERSONAL INJURY PROTECTION (PIP)
PIP Coverage pays for your medical bills and lost wages when you and your passengers suffer injuries in an accident, regardless of who is to blame.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
When an underinsured or uninsured driver hits your car, your UM/UIM policy will help cover the expenses associated with the vehicle damage and injuries.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
MedPay covers medical expenses for you and your passengers following an accident. These could include doctors' fees, diagnostics, and surgical costs.
GAP INSURANCE
In case of a total loss, this coverage will pay the difference between your car loan and the actual cost of your vehicle, minimizing financial loss.
ROADSIDE ASSISTANCE
Roadside assistance can help you get emergency services, such as towing, locksmith assistance, and fuel delivery, when your car breaks down while traveling.
RENTAL REIMBURSEMENT COVERAGE
This policy helps cover transportation costs while your car is out for repair due to damage caused by a covered event, ensuring minimal disruption.
NEW CAR REPLACEMENT COVERAGE
If your new car is totaled during a specified period, this coverage helps cover the expense of purchasing another one of the same make and model.
ADDITIONAL AUTO INSURANCE COVERAGE OPTIONS IN EL PASO, TX
Commercial Auto Insurance
Get commercial auto insurance to protect your business vehicles, covering any damage, accidents, or liabilities incurred while using them for work.
Mexican Car Insurance
Heading to Mexico? Ensure you have Mexican car insurance to stay legally covered and secure while driving across the border.
SR-22 Insurance
SR-22 insurance ensures that you meet the legal requirements after a violation, helping to restore your driving privileges and keeping you on the road legally.
DUI Insurance
DUI insurance helps restore your driving privileges after a DUI conviction, offering affordable rates to keep you protected while driving.
Vehicle Maintenance Plan
Stay ahead of car repairs with a vehicle maintenance plan that covers essential services and unexpected issues, helping you avoid costly surprises down the road.
HOW IT WORKS
EXPLORE
Learn about the varied coverage options that align with your auto insurance needs, and take one step closer to finding your dream insurance policy!
CONNECT
Contact our friendly auto insurance agents for personalized advice on finding the ideal auto insurance policy tailored to your specific needs and requirements.
COMPARE
Take your time when choosing an auto insurance policy. You can get multiple insurance quotes from CINCO and compare them to find the best option.
THE AUTO INSURANCE LANDSCAPE IN EL PASO, TX
El Paso, a city famous for its traveling Broadway companies and excellent museums, is home to some of the most dynamic roads in Texas. From the beautiful Franklin Mountains State Park to the enlightening El Paso Museum of Art, there is just so much to explore! You will never get bored once you visit this border city.
Given the varying driving patterns and road conditions in the city, auto insurance is a must-have. It protects you and your vehicle while driving through the city. It is not just the repair and replacement costs; an advanced policy also covers medical expenses from injuries sustained in an accident.
With years of experience, CINCO Auto Insurance has helped customers find their ideal coverage. Whether you're an older driver or a new one, there's always something for you here! Our agents look for options within your price range without compromising the quality of your coverage plan.
FACTORS THAT IMPACT CAR INSURANCE RATES IN EL PASO, TX
Car insurance rates in the city vary for each driver, primarily due to their unique circumstances. Insurance carriers take into account a bunch of variables while calculating your insurance premiums. For example, if you live in an area that frequently suffers from extreme weather events, such as hurricanes and tornadoes, you will be charged a little higher than someone who lives in a relatively safer location. Here is a list of other factors involved in deciding your rates:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE AUTO INSURANCE IN EL PASO, TX?
If you own a vehicle in the city, having auto insurance is essential. It provides financial support for unexpected events, like repair and replacement costs after a collision, as well as liability expenses if you are found at fault in an accident. Moreover, it can help cover medical expenses, such as hospital bills and surgery expenses, for bodily injuries the policyholder sustained in a collision. Here’s a list of individuals who should consider getting an auto insurance policy right this minute:
Drivers who lease or finance their vehicles.
Business owners with vehicles for company use.
People operating a vehicle on public roads.
Drivers needing minimum liability coverage.
Individuals protecting themselves from accident-related costs.
Individuals looking to cover accident-related expenses.
Teenagers with a learner's permit who will be driving.
Vehicle owners responsible for insurance, even if not driving.
Motorists avoiding penalties for driving uninsured.
Drivers engaging in high-risk activities needing extra coverage.
WHY IS AUTO INSURANCE NECESSARY IN EL PASO, TX?
HOW MUCH CAR INSURANCE COVERAGE DO I NEED IN EL PASO, TX?
You cannot legally drive a vehicle in the city without having the minimum required auto insurance. This is commonly known as the "30/60/25" rule. According to state regulations, the minimum standards for auto insurance are $60,000 for total injuries to all affected parties, with a limit of $30,000 for injuries to a single person and $25,000 for any property damage you cause, such as vehicle damage.
To ensure protection for your vehicle, consider purchasing additional insurance options beyond the minimum liability coverage. For instance, collision coverage can help repair or replace your vehicle after an accident, regardless of who is at fault. On the other hand, comprehensive coverage covers costs for damages that aren’t caused by collisions.
WHAT DISCOUNTS CAN I GET ON CAR INSURANCE IN EL PASO, TX?
Finding cheap car insurance in the city becomes easier when you have access to the right discounts and incentives. Insurance companies usually offer many discounts to their clients to ensure customer satisfaction and attract new customers. Always ask your agent for available discount options so you don’t miss out on any opportunity to save. However, each discount has specific criteria, so you must follow them. Here is a comprehensive list of discounts you could search for when buying insurance:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Car Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES CAR INSURANCE COST IN EL PASO, TX?
According to the statistics provided by Bankrate, the average annual cost of full-coverage auto insurance in the city is approximately $2,381, while minimum liability coverage costs $631 per year. Compared to the state average, drivers enjoy a $111 reduction in their premiums. This means that policyholders in this city pay 4% less for their auto insurance than the rest of the citizens.
While coverage rates can vary significantly based on factors such as driving history, car make and model, and credit score, the average insurance rates suggest that citizens in the city may enjoy more affordable coverage. If you compare rates from multiple providers in the city, you can secure a well-rounded insurance policy that fulfills your requirements.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE AUTO INSURANCE QUOTE IN EL PASO, TX?
Auto insurance rates in the city are based on the information you submit to your insurer. Companies evaluate your situation to find a policy that fits, but it only works if they have the correct information. Misreporting details might lower your cost for now, but it can backfire during claims. When applying, give clear and honest answers to avoid denial, delays, or even policy cancellation. Here are a few pieces of information you would need to get right whenever you purchase an insurance policy:
COMPARE AUTO INSURANCE RATES IN EL PASO, TX, BY INSURANCE COMPANY
<p>Auto insurance rates vary for everyone; they are not the same for everyone. Your rates may also depend on the insurance company you have chosen. Every insurer employs a distinct method to assess variables such as the policyholder's driving history, credit score, and claims history. This is why you should obtain quotes from multiple providers before making a decision. Here is a list of several insurers in the city and how much they charge for monthly insurance based on data from Insurify:</p>
$62
$68
$88
$101
$111
$139
$140
$148
$165
$166
$183
$190
$207
$211
Note: Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
COMPARE AUTO INSURANCE RATES IN EL PASO, TX, BY VEHICLE MAKE AND MODEL
<p>Auto insurance rates vary significantly for everyone. One of the key factors that help insurance providers determine your rates is the make and model of your car. If you own a luxury car, such as the Tesla Model Y, you will likely spend a significant amount on insurance, given that the vehicle is expensive to repair and replace. Conversely, the Toyota Corolla is generally cheaper to insure. Here is a list of some of the most widely popular models and how much it costs to insure them in Texas:</p>
$163
$198
$160
$377
$167
$216
$163
$197
$203
Note: Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: CarEdge
Last Update: Jul, 1 2026
GET A FREE AUTO INSURANCE QUOTE IN EL PASO, TX
Are you seeking a policy that meets all your vehicle safety needs? You've come to the right place! CINCO has been serving El Paso for decades and has helped countless customers with their insurance needs. Begin by filling in some basic information on your form.
After you submit your form, one of our representatives will contact you within a few hours. They will provide you with personalized quotes and help you understand your options. Don’t wait, apply now!
Car
Motorcycle
Commercial
Roadside Assistance
Other
CRUCIAL VEHICLE STATISTICS AND INSIGHTS IN EL PASO, TX, YOU SHOULDN'T MISS
<p>These statistics shed light on the factors influencing driving conditions and city costs, ranging from traffic accident trends to insights on vehicle ownership and safety. As a significant border city with heavy traffic, it faces unique challenges that impact drivers daily. From a constantly increasing population to congested roads, the city poses a wide range of hazards to vehicle owners. We have highlighted essential vehicle statistics and insights you shouldn’t miss in the list below:</p>
01
In 2021, El Paso recorded 209 pedestrian accidents, resulting in injuries or fatalities for 190 pedestrians: 14 were fatal, and 33 resulted in incapacitating injuries. (Safe Roads USA)
02
In 2021, there were zero fatal accidents involving drunk drivers in El Paso. While that’s encouraging, maintaining proper coverage is still key for unexpected situations. (City Data)
03
The vehicle theft rate in El Paso is approximately 3.877 per 1,000 residents in a typical year. That’s a strong reason to consider comprehensive coverage. (CrimeGrade)
04
It is estimated that around 10 to 15 percent of drivers in El Paso are uninsured. This makes uninsured motorist coverage a brilliant addition to your policy. (Carabin Shaw)
05
Only 1.5% of El Paso commuters use public transportation, showing a clear preference for personal vehicles. (AreaVibes)
06
Compared to 2023, the traffic death rate in Texas fell by 5.25% in 2024, landing at 1.35 deaths per 100 million miles traveled. (Texas Department of Transportation)
07
In 2024, alcohol-related crashes claimed the lives of 1,053 people in Texas, accounting for 25.37% of all traffic fatalities that year. (Texas Department of Transportation)
08
In 2024, two days stood out as the deadliest on Texas roads: May 24 and October 27, each resulting in 27 fatalities. October ended up being the worst month with 391 deaths. (Texas Department of Transportation)
09
Single-vehicle crashes that ran off the road claimed 1,353 lives in 2024—32.60% of all motor vehicle deaths that year. (Texas Department of Transportation)
10
In fatal vehicle crashes during 2024, 45.34 percent of victims were not using restraints when required and when usage was known. (Texas Department of Transportation)
Note: These statistics were accurate at the time of publication and may change over time. Please refer to official sources for the most current data.
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
