Spinning your wheels trying to get the best car insurance rates in El Paso? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in El Paso knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in El Paso are determined by the state of Texas. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on car insurance in El Paso.
What car insurance coverage is required in El Paso?
The state of Texas requires all El Paso drivers to have car insurance.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Texas drivers are required to have a minimum of $30,000/$60,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $30,000 of bodily injury coverage per person, and $60,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Texas’s car insurance coverage requirements, El Paso drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for El Paso drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $30,000/60,000 |
| Property damage liability coverage | $25,000 |
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverage options that Lemonade Car offers El Paso drivers
El Paso drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Personal Injury Protection (aka PIP) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, a percentage of your lost wages as a result of your injuries, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured/underinsured driver bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured/underinsured driver property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
Want to dive into the nitty-gritty of what Texas car insurance has to offer? Get the full scoop here.
How much does Lemonade Car insurance cost in El Paso?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in El Paso.
So…what’s the best car insurance in El Paso, Texas?
We might be biased, but Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy.
Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car.
FAQs about car insurance in El Paso, Texas
How much car insurance do I need in Texas?
Texas has minimum liability requirements that drivers must meet. This means that El Paso drivers need at least the following amount of liability insurance:
- $30,000 for bodily injury per person
- $60,000 for total bodily injury if multiple people are hurt
- $25,000 for property damage
What is the penalty for driving without insurance in Texas?
Texas takes driving without insurance seriously, and drivers caught without valid car insurance can face hefty fines and higher insurance premiums, have their driver’s license suspended, and even have their car impounded, among other financial and legal repercussions.
How can I lower my car insurance premiums?
There are lots of ways you can lower your car insurance premiums—like adjusting your coverage limits and deductibles. But don’t forget that lowering your limits or raising your deductible might save you some money on your premiums, it could mean paying more if you’re in an accident and need to file a claim.
When you drive with Lemonade Car, we offer a plethora of opportunities for savings and discounts to help keep your insurance costs down.
Does Texas require uninsured/underinsured motorist coverage?
No, uninsured and underinsured motorist coverage isn’t a mandatory requirement in Texas. But it can help pay for damages caused by a driver who doesn’t have car insurance, or a driver who doesn’t have enough coverage to pay the car accident’s full expenses.
How does the “fault” system work in Texas?
Texas is a “fault” state, which means the person at fault for causing an accident is responsible for any resulting harm—like any medical expenses or car damage related to the accident. This can impact who gets the payout from an insurance claim after an accident.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
