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Best Local Car Insurance Agencies in El Paso

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored El Paso Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



10Top Picks

Learn about our selection process.


featured provider = Featured Provider

1005 E Yandell Dr, El Paso, TX 79902 Rating

Review Sources

4.9 (62)

Why choose this provider?

The Flor & Associates Insurance Agency was founded in El Paso, Texas, in 2010 to provide independent insurance advice and support to people and businesses. A full-service agency, its tailored auto insurance products are suitable for one-vehicle individuals, multi-vehicle families, and commercial fleets. Typical coverage meets legal minimums as standard, with recommended add-ons like personal injury insurance often included. The agency's advisors also take clients through optional add-ons like roadside assistance and protection from accidents with uninsured/underinsured drivers.

1444 Montana Ave Ste 201, El Paso, TX 79902 Rating

Review Sources

5.0 (122)

Why choose this provider?

Founded in 2010, Mt. Franklin Insurance is a locally owned, independent insurance agency based in El Paso, Texas, with offices in east, central, and west El Paso that also serves motorists in New Mexico. Experienced policy representatives work with several carriers to get drivers state-required coverage, with options for collision and comprehensive policies. Agents assist hard to insure drivers, such as excessive tickets and accidents. The company offers Mexican auto insurance policies, and services are available in English and Spanish.

14350 Horizon Blvd Ste E, Horizon City, TX 79928 Rating

Why choose this provider?

Allianze Insurance Agency, located in Horizon City, Texas, has more than two decades of experience building personalized auto insurance policies for drivers in the El Paso metro area. Clients can choose the coverage options they need most, including liability, property damage, and comprehensive. Military members, safe drivers, and clients with active coverage are eligible for policy discounts. Allianze Insurance Agency offers services in English and Spanish, and it also writes homeowners and life insurance policies.

1200 Golden Key Circle, El Paso, TX 79925
WebsiteLicense: 1912803 Rating

Review Sources

4.1 (26)
5.0 (4)
1.0 (4)

Why choose this provider?

Border City Insurance Services is an insurance company based in El Paso and has been servicing the metro for over 20 years. It specializes in personal auto insurance, homeowners and renters, and insurance policies for commercial trucking and businesses. Its team of insurance professionals has served over 1,400 personal line clients and is continuously helping people with customized plans that best suit their coverage needs. Border City Insurance agents can assist both English and Spanish-speaking clients.

  • Bundling Option

11930 Vista del Sol Dr, El Paso, TX 79936
WebsiteLicense: 2372038
Website Rating

Review Sources

4.8 (37)
5.0 (11)

Why choose this provider?

Advantage Insurance Agency is a locally owned and operated business that serves the El Paso community. Its agents help find insurance products for different kinds of drivers, including teens, seniors, and Mexico travelers. They advise the best plan for each client's situation and vehicle type and provide an array of options from various insurance carriers. The agency has been serving the community since 1989. It is a member of the Independent Insurance Agents of Texas.

  • Multiple Carriers

6356 Edgemere Blvd, El Paso, TX 79925 Rating

Why choose this provider?

Sellers Insurance Agency Inc. has been offering insurance solutions to El Paso area residents since its founding in 1956. Because its an independent agency, it can partner with different carriers to offer drivers of all ages and violation records with auto insurance for their cars, trucks, and motorcycles. In addition to the state's required limits of liability, its policies often include a variety of standard coverages such as comprehensive, medical, and uninsured motorist. The agency also offers homeowners insurance.

3610 Montana Avenue, El Paso, TX 79903 Rating

Review Sources

4.3 (6)

Why choose this provider?

El Paso Low Cost Auto Insurance is a locally managed and owned car insurance agency that serves clients in El Paso and the surrounding areas. This agency has 30 years of experience in providing car owners auto insurance policies that include liability, medical, and property coverage. El Paso Low Cost Auto Insurance also represents several auto insurance carriers, including Aggressive, Excellent Insurance, Progressive, and Trinity General Agency. Other than auto insurance, the company also offers boat, motorcycle, and RV insurance.

  • Motorcyle & ATV

5151 Fairbanks Dr Ste A, El Paso, TX 79924 Rating

Review Sources

5.0 (159)

Why choose this provider?

Pan American Insurance is an independent insurance agency founded in 1982 by Lorenzo Medina. Located in El Paso, Texas, the firm serves clients from all over Southwest Texas and New Mexico. It offers competitively-priced auto insurance plans that are personalized to meet each client's unique needs. The business employs bilingual staff, with communication available in English and Spanish. Other insurance products offered by the company include home, renters, RV, commercial, and Mexican tourist insurance.

5959 Gateway Blvd W, El Paso, TX 79925 Rating

Review Sources

4.1 (7)

Why choose this provider?

American Agency Insurance is an independent insurance agency serving clients throughout the El Paso metro area. By partnering with national insurers such as Progressive and American Modern, the agency can find the ideal auto insurance policies for drivers of all ages. Policies are tailored to the needs of clients with coverages such as liability, comprehensive, medical, and property damage. American Agency Insurance offers coverage for all types of vehicles, including antique cars and motorcycles.

4747 Hondo Pass Drive, El Paso, TX 79904 Rating

Review Sources

4.3 (17)
4.8 (11)

Why choose this provider?

Omega Insurance Agency - North East is an El-Paso-based business that offers a number of risk management solutions, including auto insurance. Its team furnishes protection plans even for drivers who do not have a license or who have a history of tickets and car accidents. The agents have access to policies from more than 20 carriers, allowing them to find an option that will cover clients' unique needs. Omega Insurance Agency has been locally operated and owned for over a decade.

  • Home & Auto Insurance


  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How does age affect car insurance rates for young drivers in El Paso?

    In El Paso, drivers aged 16 years face steep rates, roughly $2,732 yearly or $228 monthly. However, as these drivers transition into their 20s, they see a noticeable dip in costs. The reason behind these decreased rates for drivers in this age bracket is their lower tendency for mishaps and violations. By the time they reach middle age, the price drops even more, reflecting their accumulated experience and reduced risks.

  • How can one reduce car insurance premiums in El Paso?

    Residents of El Paso can lower their car insurance premiums by adjusting their coverage limits and deductibles. Nevertheless, it's vital for policyholders to exercise caution, as reducing limits or increasing deductibles may trim premium costs but can potentially result in greater expenses in the event of an accident and subsequent claim.

  • Can a low credit score affect insurance rates for El Paso car owners?

    Yes, for El Paso car owners, a low credit score can substantially affect their insurance rates. Insurers view individuals with lower credit scores as high-risk and prone to filing claims. Consequently, if one possesses car insurance with a low credit score, their premium rates can exceed double those of individuals with better credit scores.

  • In El Paso, can motorists choose between first-party and third-party claims for accidents caused by another driver's negligence?

    Yes, in El Paso, motorists involved in accidents due to another driver's negligence can opt for either a first-party claim through their own insurance or a third-party claim through the negligent driver's insurance company. Each option has its pros and cons, potentially impacting the settlement outcome. Engaging a car accident lawyer can help individuals make the right choice.

  • What are the minimum car insurance requirements in El Paso?

    In El Paso, state law mandates that drivers must have liability insurance to cover accidents they cause. This insurance covers expenses such as repairing or replacing the other driver's vehicle and medical bills for those injured when you're at fault. The minimum liability coverage required in El Paso is $30,000 per injured person, up to $60,000 per accident, and $25,000 for property damage, known as the 30/60/25 basic coverage.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.