With its high desert climate, dry air, and dust storms, driving in Albuquerque can be difficult at times. Whether you’re navigating the Big-I, or traveling down historic Route 66, you’ll want to ensure your car insurance policy is up to par to protect you, your passengers and your vehicle.
If you’re looking for car insurance in Albuquerque, we’ve pulled together data from quotes Jerry customers in the area have received to help you get a better idea of local rates. These quotes can vary between insurers and also fluctuate based on your age, driving history, coverage needs, and even ZIP code or location within the city.
Cheapest minimum coverage insurance in Albuquerque
New Mexico requires drivers to have $25,000 for bodily injury coverage when one person is involved, $50,000 of bodily injury coverage with multiple people involved and $10,000 for property damage. Here are real quotes from Jerry customers from Albuquerque who opted for state minimum coverage.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $31 | $366 | Progressive | 54 | September 27, 2023 | Albuquerque, NM | 87113 |
| $39 | $468 | Bristol West | 59 | November 23, 2024 | Albuquerque, NM | 87109 |
| $41 | $486 | Progressive | 43 | May 25, 2024 | Albuquerque, NM | 87120 |
| $42 | $498 | Bristol West | 42 | January 5, 2024 | Albuquerque, NM | 87111 |
| $43 | $520 | Bristol West | 38 | February 11, 2024 | Albuquerque, NM | 87106 |
| $43 | $520 | Progressive | 43 | May 24, 2024 | Albuquerque, NM | 87120 |
| $45 | $538 | Bristol West | 59 | February 3, 2025 | Albuquerque, NM | 87112 |
| $45 | $542 | Bristol West | 67 | February 10, 2025 | Albuquerque, NM | 87110 |
| $46 | $551 | Progressive | 55 | August 25, 2024 | Albuquerque, NM | 87110 |
| $48 | $574 | Bristol West | 41 | November 14, 2024 | Albuquerque, NM | 87109 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Albuquerque
Full coverage in New Mexico includes state minimum coverage, plus optional coverage for your vehicle in different scenarios. Collision pays for you to repair your vehicle after an accident, while comprehensive coverage protects you in case of damage from weather or wildlife, theft and other scenarios not covered by collision coverage.
These are some of the cheapest quotes Jerry customers in Albuquerque received for full coverage.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $486 | Progressive | 43 | May 25, 2024 | Albuquerque, NM | 87120 |
| $43 | $520 | Progressive | 43 | May 24, 2024 | Albuquerque, NM | 87120 |
| $48 | $574 | Bristol West | 41 | November 14, 2024 | Albuquerque, NM | 87109 |
| $49 | $584 | Bristol West | 77 | February 25, 2025 | Albuquerque, NM | 87109 |
| $50 | $600 | Bristol West | 67 | February 20, 2025 | Albuquerque, NM | 87110 |
| $56 | $674 | Progressive | 74 | November 12, 2024 | Albuquerque, NM | 87107 |
| $60 | $722 | Progressive | 29 | May 27, 2024 | Albuquerque, NM | 87106 |
| $61 | $736 | Progressive | 58 | January 7, 2025 | Albuquerque, NM | 87106 |
| $64 | $763 | Progressive | 32 | August 23, 2024 | Albuquerque, NM | 87106 |
| $68 | $810 | Bristol West | 61 | June 20, 2024 | Albuquerque, NM | 87109 |
Cheapest car insurance for young drivers in Albuquerque (18-29 years old)
Insurers often believe that younger drivers are riskier to insure, which means they may pay higher rates than older drivers. To find an affordable rate, it’s wise to do some extra comparison shopping.
Here are some of the cheapest quotes 18- to 29-year-old Burqueños have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $370 | Progressive | 26 | No | February 27, 2025 | Albuquerque, NM | 87111 |
| $51 | $616 | Progressive | 29 | No | January 26, 2025 | Albuquerque, NM | 87111 |
| $53 | $636 | Progressive | 25 | No | December 20, 2024 | Albuquerque, NM | 87109 |
| $56 | $676 | Bristol West | 29 | No | October 16, 2024 | Albuquerque, NM | 87108 |
| $60 | $722 | Progressive | 29 | Yes | May 27, 2024 | Albuquerque, NM | 87106 |
Cheapest car insurance for mature drivers in Albuquerque (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $366 | Progressive | 54 | No | September 27, 2023 | Albuquerque, NM | 87113 |
| $41 | $486 | Progressive | 43 | Yes | May 25, 2024 | Albuquerque, NM | 87120 |
| $42 | $498 | Bristol West | 42 | No | January 5, 2024 | Albuquerque, NM | 87111 |
| $43 | $520 | Bristol West | 38 | No | February 11, 2024 | Albuquerque, NM | 87106 |
| $43 | $520 | Progressive | 43 | Yes | May 24, 2024 | Albuquerque, NM | 87120 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $408 | Progressive | 61 | No | February 2, 2025 | Albuquerque, NM | 87107 |
| $39 | $468 | Bristol West | 59 | No | November 23, 2024 | Albuquerque, NM | 87109 |
| $45 | $538 | Bristol West | 59 | No | February 3, 2025 | Albuquerque, NM | 87112 |
| $45 | $542 | Bristol West | 67 | No | February 10, 2025 | Albuquerque, NM | 87110 |
| $46 | $551 | Progressive | 55 | No | August 25, 2024 | Albuquerque, NM | 87110 |
Cheapest car insurance for drivers with clean records in Albuquerque
A driving record free from accidents, violations or claims can get you a more favorable car insurance quote than a less-than-perfect record would. Drivers with good records in Albuquerque have received these quotes from Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $31 | $366 | Progressive | September 27, 2023 | No | Albuquerque, NM | 87113 |
| $31 | $370 | Progressive | February 27, 2025 | No | Albuquerque, NM | 87111 |
| $34 | $408 | Progressive | February 2, 2025 | No | Albuquerque, NM | 87107 |
| $39 | $468 | Bristol West | November 23, 2024 | No | Albuquerque, NM | 87109 |
| $41 | $486 | Progressive | May 25, 2024 | Yes | Albuquerque, NM | 87120 |
Cheapest car insurance for drivers with low credit scores in Albuquerque
A low credit score often leads to higher insurance premiums. Compare rates from multiple insurers for the best chance at getting a low-cost policy. Here are the cheapest quotes that customers in Albuquerque with a score below 550 have received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $45 | $542 | Bristol West | 67 | February 10, 2025 | Albuquerque, NM | 87110 |
| <550 | $50 | $600 | Bristol West | 67 | February 20, 2025 | Albuquerque, NM | 87110 |
| <550 | $55 | $664 | Progressive | 35 | March 26, 2024 | Albuquerque, NM | 87123 |
| <550 | $60 | $714 | Dairyland | 54 | January 1, 2024 | Albuquerque, NM | 87104 |
| <550 | $64 | $772 | Bristol West | 37 | October 14, 2024 | Albuquerque, NM | 87108 |
Cheapest car insurance for drivers with at-fault accidents in Albuquerque
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $45 | $538 | Bristol West | 59 | No | February 3, 2025 | Albuquerque, NM | 87112 |
| At Fault With No Injury | $64 | $763 | Progressive | 32 | Yes | August 23, 2024 | Albuquerque, NM | 87106 |
| At Fault With No Injury | $64 | $772 | Bristol West | 37 | No | October 14, 2024 | Albuquerque, NM | 87108 |
| At Fault With No Injury | $68 | $810 | Bristol West | 61 | No | June 21, 2024 | Albuquerque, NM | 87109 |
| At Fault With No Injury | $68 | $810 | Bristol West | 61 | Yes | June 20, 2024 | Albuquerque, NM | 87109 |
Cheapest car insurance for drivers with speeding tickets in Albuquerque
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $53 | $636 | Progressive | 25 | December 20, 2024 | Albuquerque, NM | 87109 |
| Speeding under 15 | $60 | $722 | Progressive | 29 | May 27, 2024 | Albuquerque, NM | 87106 |
| Speeding under 15 | $64 | $763 | Progressive | 32 | August 23, 2024 | Albuquerque, NM | 87106 |
| Speeding under 15 | $74 | $882 | National General | 29 | December 16, 2024 | Albuquerque, NM | 87106 |
| Speeding over 15 | $75 | $895 | Bristol West | 39 | February 26, 2025 | Albuquerque, NM | 87109 |
Cheapest car insurance for drivers with DUIs in Albuquerque
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $94 | $1,126 | Bristol West | 30 | October 22, 2024 | Albuquerque, NM | 87121 |
| DUI | $175 | $2,102 | Progressive | 30 | October 22, 2024 | Albuquerque, NM | 87121 |
| DUI | $236 | $2,832 | Dairyland | 30 | October 22, 2024 | Albuquerque, NM | 87121 |
| DUI | $287 | $3,442 | Progressive | 28 | September 16, 2024 | Albuquerque, NM | 87123 |
| DUI | $299 | $3,584 | Gainsco | 30 | October 22, 2024 | Albuquerque, NM | 87121 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
