How to find the cheapest car insurance quotes in New Mexico
One of the best ways to reduce your auto-related expenses is to find an affordable car insurance policy. It’s essential to understand that there is no one-size-fits-all “cheapest” insurance provider for every driver. To secure personalized coverage at the best price, it’s important to actively compare quotes from different insurance companies before making a decision.
Fortunately, Jerry Insurance Agency is available to assist drivers in New Mexico. Their user-friendly insurance comparison app enables you to easily explore and evaluate multiple quotes. With their support, you can efficiently analyze your options and select an insurance policy that aligns with your specific needs and budget.
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|
Gainsco | $137 | Sophie, 27, Bloomfield, NM | Toyota Tacoma Double Cab | State Minimum | No |
Bristol West | $57 | Eddie, 64, Las Cruces, NM | Hyundai Elantra Gls | State Minimum | No |
National General | $369 | Glen, 42, Carlsbad, NM | Chevrolet Cruze Ls | State Minimum | Yes |
Progressive | $108 | Russell, 23, Portales, NM | Nissan Murano S | State Minimum | No |
Dairyland | $108 | Lois, 45, Albuquerque, NM | Toyota Corolla | State Minimum | No |
Cheapest car insurance companies in New Mexico
Jerry conducted an extensive survey of auto insurance providers in New Mexico to help you identify the company that offers the most competitive rates. This survey is the largest of its kind in the nation and aims to assist you in making an informed decision about your insurance coverage.
Ultimately, there is no single car insurance company that can be considered the best or cheapest for every driver. Instead, insurance rates are highly personalized and vary depending on individual circumstances.
Some of the most popular car insurance providers in New Mexico include:
- State Farm
- Allstate
- GEICO
- Progressive
- Farmers
- USAA (for military personnel and their families)
- Liberty Mutual
- Nationwide
- American Family Insurance
- Travelers
Please note that popularity may vary based on individual preferences, coverage needs, and specific circumstances. It is always recommended to compare quotes and policies from multiple insurance providers to find the best fit for your needs.
Insurance company | Date | Cost rating (out of 5) | What our customer said: |
---|---|---|---|
Kemper | November 6, 2024 | 5 | “I have only had my policy a short time and have had no issues. So far so good. I could suggest Kemper for friends and…(read more)” -Bobby |
Allstate | November 4, 2024 | 5 | “Gainsco is super amazing and super cheap. You get the same great coverage as the “bigger insurance” company’s for les…(read more)” -Franklin |
Dairyland | October 29, 2024 | 5 | “I love Dairyland. They are very easy to work with and have not disappointed me. Highly recommend “ -Susan |
State Farm | October 27, 2024 | 5 | “My sister put me on her policy because i live with her and they were the ONLY insurance that offered the lowest rate …(read more)” -Lela |
Bristol West | October 25, 2024 | 4 | “I’ve been paying way too much for minimal coverage under a major company for many years. My rate is less than half fo…(read more)” -Rosa |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re seeking a quick and convenient method to compare car insurance quotes from multiple providers, consider using a car insurance comparison app or website.
One such reputable option is Jerry, an insurance agency that offers an intuitive app for auto owners to receive free quotes and explore a wide range of coverage options. Jerry goes beyond just providing quotes and extends comprehensive assistance, guiding you through the entire process, including policy registration and facilitating the cancellation of your existing policy if needed.
With Jerry, you can enjoy a seamless and hassle-free insurance shopping experience tailored to your specific requirements.
New Mexico Minimum Coverage Requirements
Like most states, New Mexico has some minimum liability insurance requirements that all drivers must meet before hitting the road. However, purchasing additional coverage is advisable, so you can be sure to be financially protected in all situations
Cheapest minimum liability coverage car insurance quotes in New Mexico
In New Mexico, the minimum car insurance requirements include:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $10,000 for property damage liability per accident
Do you need more than minimum coverage in New Mexico?
It’s often recommended to consider higher coverage limits than required by New Mexico insurance laws to provide better financial protection in case of an accident. It’s advisable to consult with an insurance professional to determine the appropriate coverage for your specific.
The bottom line: Insurance experts generally recommend purchasing at least 100/300/100 liability coverage for optimal protection—even if you choose to forego full coverage.
Cheapest full coverage car insurance quotes in New Mexico
Full coverage car insurance is highly recommended, and typically required if you use an auto lender to purchase your vehicle.
Comprehensive and collision coverage are included in a full coverage insurance policy. Collision coverage helps cover the costs of repairing or replacing your vehicle if it’s damaged in an accident. In contrast, comprehensive coverage provides protection for damages caused by events like vandalism, environmental factors, and even theft.
The following table provides a list of samples of affordable full coverage policies that Jerry users have purchased.
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
---|---|---|---|---|---|
State Minimum | No | Gainsco | $137 | Sophie, 27, Bloomfield, NM | Toyota Tacoma Double Cab |
State Minimum | No | Bristol West | $57 | Eddie, 64, Las Cruces, NM | Hyundai Elantra Gls |
State Minimum | Yes | National General | $369 | Glen, 42, Carlsbad, NM | Chevrolet Cruze Ls |
State Minimum | No | Progressive | $108 | Russell, 23, Portales, NM | Nissan Murano S |
State Minimum | No | Dairyland | $108 | Lois, 45, Albuquerque, NM | Toyota Corolla |
Average rates for state minimum liability coverage and full coverage
New Mexico drivers pay an average of $1,232 for minimum coverage and $2,022 for full coverage car insurance per year. That translates to just under $103 a month for a liability only policy, and about $168 a month for full coverage.
Although average insurance rates can provide a general estimation of your insurance costs, it’s crucial to understand that individual drivers’ premiums are influenced by several factors. These factors include the type of vehicle, driving record, claims history, and demographic information. As a result, the actual insurance expenses for each driver can vary significantly.
New Mexico car insurance: Additional coverages
On top of collision and comprehensive coverage, you may wish to consider some additional forms of optional insurance, such as:
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Underinsured and uninsured motorist coverage
- Towing and labor
- Rental reimbursement coverage
If you have financed your vehicle with a loan, it is highly recommended to consider gap insurance. Gap insurance offers valuable coverage in scenarios where the remaining loan balance exceeds the actual value of the vehicle. This type of coverage provides financial protection in the event of a total loss or theft of your car, ensuring that you are not left with a significant financial burden.
If you frequently rent or borrow vehicles instead of owning or leasing one, it is strongly advised to consider non-owner car insurance. Non-owner car insurance provides essential liability coverage for bodily injury and property damage in the event of an at-fault accident. It is important to note that this type of insurance does not cover damages to the vehicle you are driving or expenses related to your personal injuries.
Car insurance premium by rating factors
There are several factors that can influence your car insurance rates in New Mexico. These factors include:
- Age and driving experience: Young and inexperienced drivers often have higher insurance rates due to their higher risk of accidents.
- Vehicle type: The make, model, and year of your vehicle can affect insurance rates. Expensive and high-performance cars tend to have higher premiums.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can impact your insurance rates. A clean driving record generally leads to lower premiums.
- Coverage options: The type and amount of coverage you choose will affect your insurance rates. Opting for comprehensive coverage or higher liability limits will typically result in higher premiums.
- Credit history: In some states, including New Mexico, auto insurance companies may consider your credit history when determining your rates. A good credit score can help lower your premiums.
- Location: Where you live and park your vehicle can affect your rates. Areas with higher crime rates or higher traffic congestion may have higher insurance premiums.
- Deductible amount: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premiums but also means you’ll pay more in the event of a claim.
- Marital status: Married individuals often receive lower insurance rates compared to single drivers, as statistics show that married individuals are involved in fewer accidents.
- Annual mileage: The number of miles you drive per year can impact your insurance rates. Higher mileage generally leads to higher premiums, as it increases your risk of being involved in an accident.
- Claims history: If you have a history of filing multiple insurance claims, insurance companies may view you as a higher risk and charge higher premiums.
It’s important to note that each insurance company may weigh these factors differently, so it’s always a good idea to shop around and compare quotes from multiple insurers to find the best rates for your specific circumstances.
Cheapest New Mexico car Insurance after a driving violation
Your driving record plays a vital role in determining the quotes for your car insurance. When insurance companies observe a history of violations, they perceive you as a high-risk driver, which can result in increased insurance premiums being charged to you.
Cheapest car insurance for New Mexico drivers with a speeding ticket
The law generally classifies speeding violations in terms of various levels depending on how much the speed limit was surpassed. Levels generally include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH.
Although a speeding ticket is likely to increase your insurance premiums, Jerry is a useful resource for keeping costs as affordable as possible.
Regardless of the offense, these Alabama drivers had luck finding insurance at the following companies with Jerry:
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
---|---|---|---|---|---|
Speeding Violation-Minor | Gainsco | $137 | Sophie, 27, Bloomfield, NM | State Minimum | No |
Speeding Violation-Major | Gainsco | $241 | Carrie, 33, Santo Domingo Pueblo, NM | State Minimum | Yes |
Speeding Violation-Major | National General | $74 | Christina, 28, Albuquerque, NM | State Minimum | No |
Speeding Violation-Minor | Progressive | $172 | Leon, 25, Albuquerque, NM | State Minimum | Yes |
Speeding Violation-Major | National General | $81 | Clyde, 47, Organ, NM | State Minimum | No |
Cheapest auto insurance in New Mexico after a DUI
In New Mexico, DUI violations generally result in a significant rise in car insurance rates compared to other violations. After a DUI, it is often necessary to compare rates from multiple insurance providers to find the most affordable options.
Jerry can simplify the process of finding the cheapest provider, making it easier for you to secure the best insurance rates following a DUI.
New Mexico SR-22 insurance
New Mexico requires an SR-22 form for certain drivers. An SR-22 is a document that verifies that a driver has the minimum liability insurance required by the state. It is typically required for drivers who have been convicted of certain violations, such as DUI or driving without insurance.
The SR-22 form is filed by the insurance company with the New Mexico Motor Vehicle Division (MVD) to demonstrate compliance with the state’s insurance requirements.
Predictably, those with SR-22 forms are considered high-risk drivers, which means they’ll see an increase in their car insurance rates. Use Jerry to shop around for the most affordable policy that’s willing to provide you with all of the necessary documentation to get you back on the road.
Cheapest New Mexico auto Insurance after an at-fault accident
Your car insurance premiums are greatly impacted by your car accident and claims history
Insurance providers thoroughly examine your previous at-fault accidents to evaluate the level of risk you pose as an insured driver. If you have recently been involved in an at-fault accident, there is a possibility that your car insurance rates may undergo a significant increase.
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|
At Fault With No Injury | Gainsco | $137 | Sophie, 27, Bloomfield, NM | State Minimum | No |
Not At Fault | National General | $369 | Glen, 42, Carlsbad, NM | State Minimum | Yes |
Not At Fault | National General | $446 | Shane, 27, Albuquerque, NM | State Minimum | Yes |
At Fault With No Injury | National General | $124 | Jim, 24, Albuquerque, NM | State Minimum | No |
At Fault With No Injury | Dairyland | $57 | Ellen, 39, Aztec, NM | State Minimum | No |
FAQ
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Is New Mexico an at-fault state?
The bottom line: Your insurance providers will determine who is at fault for an accident before covering the damages resulting from the collision.
Cheapest auto insurance after other violations in new Mexico
Apart from speeding tickets and DUIs, other violations such as reckless driving and driving with a suspended license can also result in increased car insurance costs in New Mexico.
We have created a comprehensive list of different driving infractions and how we have assisted drivers in finding cheap auto insurance, even with these offenses on their record.
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
---|---|---|---|---|---|
Other Minor | National General | $110 | Millie, 33, Sunland Park, NM | State Minimum | No |
Ticket Violation Not Listed | National General | $81 | Albert, 41, Albuquerque, NM | State Minimum | No |
Failure to Obey Signal | Progressive | $246 | Alfred, 56, Lovington, NM | State Minimum | Yes |
Towing | Dairyland | $236 | Luis, 33, Albuquerque, NM | State Minimum | Yes |
Cell Phone | Gainsco | $384 | Harry, 33, Albuquerque, NM | State Minimum | No |
Cheapest New Mexico auto insurance based on insurance history
Your insurance history is a significant factor in determining your car insurance rates, especially in terms of whether you’ve had consistent coverage or not.
Typically, having a gap in your insurance coverage leads to higher insurance rates. To support our customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if they have fallen behind on their payments.
Rest assured—Jerry has effectively aided many customers who are currently uninsured or have experienced coverage lapses in securing new affordable policies.
Cheapest car insurance for drivers with poor credit
In the state of New Mexico, individuals with lower credit scores typically experience higher insurance costs compared to those with higher credit ratings, despite the fact that credit scores do not directly reflect driving proficiency. Insurance companies have observed a correlation between bad credit and an increased frequency of filed claims by drivers.
According to our data, the average car insurance premium nationwide for individuals in the highest credit bracket (above 750) is roughly 20% higher than the average cost for individuals in the lowest credit bracket (with scores below 550).
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
---|---|---|---|---|---|---|
660-750 | Gainsco | $137 | Sophie, 27, Bloomfield, NM | Toyota Tacoma Double Cab | State Minimum | No |
550-659 | Bristol West | $57 | Eddie, 64, Las Cruces, NM | Hyundai Elantra Gls | State Minimum | No |
<550 | National General | $369 | Glen, 42, Carlsbad, NM | Chevrolet Cruze Ls | State Minimum | Yes |
<550 | Progressive | $108 | Russell, 23, Portales, NM | Nissan Murano S | State Minimum | No |
550-659 | Dairyland | $108 | Lois, 45, Albuquerque, NM | Toyota Corolla | State Minimum | No |
Cheapest New Mexico car insurance by age
Young drivers and those with permits or other types of provisional licenses typically encounter considerably high insurance rates due to their limited driving experience. However, as individuals approach the age of 25, their insurance premiums generally begin to become more affordable. Then, once motorists reach the age of 75, car insurance costs are likely to rise again.
Cheapest New Mexico car insurance for young drivers
In New Mexico, teen drivers aged 16 to 19 tend to experience the highest insurance rates compared to other age groups.
For teenage drivers who own newer vehicles, higher minimum coverage levels and/or full coverage insurance are recommended. This suggestion is based on the higher probability of teenagers being involved in accidents compared to other age groups. Full coverage insurance offers increased financial protection in such circumstances.
Cheapest New Mexico car insurance for senior drivers
Average premiums often tend to increase once a driver reaches their mid-70s. Older drivers have a higher vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. As a result, insurance companies incur significant medical expenses and higher costs, leading to elevated car insurance rates.
Cheapest car insurance for popular cars
The car, SUV, or truck you drive plays a crucial role in determining your car insurance premiums. Various factors related to the type of car influence insurance costs, such as repair or replacement expenses, the risk of theft, and the overall safety performance of the vehicle.
Popular makes and models for New Mexicans looking to save money include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|
Toyota Corolla | Dairyland | $108 | Lois, 45, Albuquerque, NM | State Minimum | No |
Nissan Rogue Krom | Progressive | $53 | John, 24, Albuquerque, NM | State Minimum | No |
Honda Civic Sport | Gainsco | $94 | Dean, 29, Artesia, NM | State Minimum | No |
Toyota Corolla L | Dairyland | $49 | Abbie, 47, Springer, NM | State Minimum | No |
Nissan Rogue S | Bristol West | $258 | Isabelle, 45, Albuquerque, NM | 50/100 | Yes |
Car insurance cost for new vs. old car
Typically, insuring a brand new car tends to be more expensive than insuring an older or used car. Based on our research, the average annual cost of full coverage insurance for a vehicle that is over 10 years old in New Mexico is approximately 22% cheaper compared to the average cost of insuring a car that is younger than four years old.
New Mexico cheapest car insurance by location
When calculating your annual car insurance premium, insurance providers consider various factors, including the location where your vehicle is stored. Insurance costs can vary based on factors such as population density, accident rates, crime statistics, and weather conditions.
Additionally, insurance premiums can vary even within the same city, with different zip codes having different rates. (That means that exactly where you live in Albuquerque absolutely matters!)
Learn how Jerry Insurance Agency has assisted drivers in different cities throughout New Mexico in meeting their insurance requirements.
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|---|
Bloomfield, NM | Sophie | Gainsco | $137 | Toyota Tacoma Double Cab | State Minimum | No |
Las Cruces, NM | Eddie | Bristol West | $57 | Hyundai Elantra Gls | State Minimum | No |
Carlsbad, NM | Glen | National General | $369 | Chevrolet Cruze Ls | State Minimum | Yes |
Portales, NM | Russell | Progressive | $108 | Nissan Murano S | State Minimum | No |
Albuquerque, NM | Lois | Dairyland | $108 | Toyota Corolla | State Minimum | No |
How to lower car insurance costs in New Mexico
Now that we’ve examined why your insurance premiums are high, it’s time to explore what you can do about it. To cut your bills month after month, Jerry’s insurance agents recommend:
- Shop around and compare quotes: Obtain quotes from multiple insurance providers to ensure you’re getting the best possible rate. Each company may have different pricing and car insurance discounts available.
- Increase your deductible: By opting for a higher deductible, you can lower your premium. However, make sure you can afford the deductible amount in case of a claim.
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record. Insurance companies often offer good driver discounts to drivers with a history of safe driving.
- Take advantage of discounts: Inquire about discounts for which you may be eligible, such as safe driver discounts, multi-policy discounts (if you bundle your car insurance with other policies), and discounts for safety features installed in your vehicle.
- Consider your coverage needs: Review your coverage limits and consider adjusting them based on your individual circumstances. However, ensure you have adequate coverage to protect yourself in case of an accident.
- Drive a less expensive car: Insuring a newer or high-value vehicle can be more expensive. Choosing a vehicle with lower repair and replacement costs may result in lower insurance premiums.
- Maintain a good credit score: Insurance companies often consider credit scores when determining rates. Maintaining a good credit score can help lower your premiums
- Drive fewer miles: Some insurance companies offer discounts for low-mileage drivers. If possible, reduce your annual mileage to qualify for these discounts.
Remember to consult with insurance professionals or agents who can recommend the best car insurance based on your specific situation.
Learn more: 11 Ways to lower car insurance
Why car insurance is so expensive in New Mexico
Geographic location absolutely affects your car insurance rates, but New Mexicans actually enjoy premiums at or below the national average. That said, here’s what uniquely affects drivers in the Land of Enchantment:
- High rate of uninsured drivers: New Mexico has one of the highest rates of uninsured drivers in the United States. This means that insured drivers have to bear the financial burden of accidents involving uninsured motorists, which can drive up insurance costs for everyone.
- Frequency of accidents: New Mexico has seen a high frequency of accidents and claims. This could be due to various factors, such as road conditions, weather conditions, and driver behavior. Insurance companies factor in the risk of accidents when determining premiums, so higher accident rates can lead to higher insurance costs.
- Cost of medical care: Medical costs associated with injuries sustained in car accidents can be significant. New Mexico has higher medical costs compared to some other states, and these costs are factored into insurance premiums.
- Auto theft rates: Certain areas of New Mexico have higher rates of auto theft. Insurance companies take into account the risk of theft when calculating premiums, so areas with higher theft rates may have higher insurance costs.
- Laws and regulations: Each state has its own set of laws and regulations governing car insurance. These laws can impact insurance rates and coverage requirements. In New Mexico, specific insurance requirements and regulations may contribute to higher insurance costs.
FAQ
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How much is car insurance in New Mexico?
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What increases car insurance rates in New Mexico?
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Does New Mexico require insurance?
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Does insurance follow the car or the driver in New Mexico?
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What is full coverage car insurance in New Mexico?
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What are the auto insurance requirements in New Mexico?
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What is the lowest form of car insurance?
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Do you need insurance to register a car in New Mexico?
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What is the average cost of car insurance in New Mexico?
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Who has the best cheap car insurance in New Mexico?
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Can your car get towed for no insurance in New Mexico?
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Can you have out of state car insurance in New Mexico?
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Is PIP required in New Mexico?
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Can you have both PIP and MedPay in New Mexico?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.