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Home » Auto Insurance in El Paso, TX

Auto Insurance in El Paso, TX


A personal auto policy (PAP) is a standard insurance policy on a personal vehicle that may include a variety of coverages from liability to comprehensive.

A personal auto policy is not only required by law, but is necessary to protect your financial interests and that of others in the event of an accident while driving your personal vehicle. This coverage is required if operating a motor vehicle for nearly any purposes in all states.

Licona Insurance Group has over 50 years of experience with auto insurance. Call us today to learn how we can help and get a free quote.


It is important to be familiar with the state laws to be sure that you are getting adequate coverage. It is mandatory in Texas for all drivers to have the following:

  • • Bodily injury liability: $30,000 per person and $60,000 per accident
  • • Property damage: $25,000
  • • Personal injury protection (PIP): $2,500 unless you reject this coverage
  • • Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident (unless you reject this coverage)
  • • Uninsured motorist property damage: $25,000 and a $250 deductible (unless you reject this coverage)


Your premium is the money you pay to the insurance company in order for them to cover you in the event of a loss. You might pay monthly, quarterly, or annually, depending on the options available and what fits you best. Regardless, one of the top questions everybody asks is, “How can I keep my premiums low?”

Below is a list of ways you can lower your insurance premiums or avoid premium increases:


  • • Maintain a driving record free from tickets and accidents
  • • Bundle your auto insurance with other products like home owners
  • • Ask about discounts for low mileage, customer loyalty, and more
  • • Compare quotes and coverages from different insurers
  • • Accept higher deductibles

Read more tips to save money and make the most of your insurance in our blog.


Contact us today to let our licensed and experienced agents find the personalized coverage that fits your needs and budget.

As a family owned company with over 50 years in the business, we keep the best interest of our clients in the forefront of our mind. Your safety, financial security, and satisfaction are our agents top priority.

Call us today and get better service at a more reasonable rate.