Coverage designed with El Paso in mind
El Paso, Texas, is a vibrant city nestled in the westernmost corner of the Lone Star State, bordering Mexico. While not the largest city in Texas, it's the state's sixth-largest city by population. El Paso's unique geography combines the rugged Franklin Mountains and the vast Chihuahuan Desert, offering breathtaking desert landscapes and outdoor recreational opportunities. The city’s culture is influenced by its proximity to Mexico, which blends Texan and Mexican traditions, celebrated through diverse communities and delicious cuisine. Major highways like Interstate 10, which spans the country from Los Angeles to Florida, and U.S. Route 54 run through the city, making it a crucial transportation hub.
When it comes to auto insurance, every state has different requirements. For drivers in El Paso, you can see what coverage and coverage limits Texas requires in the list below. These requirements are just a starting point – you may want to purchase additional coverages or increase your coverage limits.
Allstate offers auto insurance across all 23 El Paso zip codes from 79901 to 79968. An El Paso Allstate agent can help you understand the different insurance types available to you.
El Paso car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in Texas, so El Paso drivers must have it.
More specifically, the following liability coverages are the minimum required in El Paso:
- $30,000 bodily injury liability limit per person
- $60,000 bodily injury liability limit per accident
- $25,000 property damage liability
Uninsured/Underinsured motorist coverage, collision¹ and comprehensive¹ coverage are not required for El Paso drivers. In Texas, no-fault/personal injury protection insurance coverage is optional.
All coverages are subject to the coverage limits stated in your policy.
¹Although Texas law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
El Paso auto insurance discounts
It's possible to get quality coverage in El Paso at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, El Paso drivers can find many ways to save with Allstate.
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Teen driver discounts
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your El Paso teen driver meets any of these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Attends school at least 100 miles away from where the car is garaged
- Successfully completes the teenSMART℠ driver education program
Proof of insurance in El Paso
If you are stopped by the police and asked to show your auto insurance card, drivers in El Paso can show an electronic insurance card. Most states, including Texas, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.