Best Car Insurance in Artesia 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Artesia.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
August 5, 2021Ford Escape SE8821025Progressive$133/mo.$88/mo.
Here’s more information about what impacts the insurance rates in your Artesia.

How much does car insurance cost in Artesia?

Car insurance in Artesia, New Mexico costs single-car drivers an average of $1,596 annually, or about $133 per month. Compared to the state annual average of $2,319, auto insurance in Artesia is $723 lower lower.
Artesia is known for its long history of success in the oil and gas industry. With great weather and natural resources, farming and ranching are also popular in this southeastern New Mexico city.
Residents love Artesia because of its safe, small-town feel and its proximity to the larger cities of Roswell and Carlsbad.
When it comes to finding cheap car insurance in Artesia, the high rate of uninsured drivers won’t do you any favors. But that doesn’t mean affordable insurance is impossible to find in the Land of Enchantment.
The car insurance comparison app Jerry is your best bet for finding great insurance rates in Artesia without the usual headaches. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
Here’s what you need to know about car insurance in Artesia.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Artesia$1,982$1,616--$1,596$1,184
National Average$3,223$2,143$3,086$1,764$3,423$2,486
ArtesiaNational Average
All Coverage Before Jerry
$1,982$3,223
All Coverage After Jerry
$1,616$2,143
Minimum Coverage Before Jerry
-$3,086
Minimum Coverage After Jerry
-$1,764
Full Coverage Before Jerry
$1,596$3,423
Full Coverage After Jerry
$1,184$2,486
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Choosing a carrier in Artesia

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
With a wide range of carriers to consider, finding one that offers all the coverage you need at an affordable price shouldn’t be an impossible task.
Some of the most popular picks include Progressive and State Farm insurance in Artesia. Travelers and Allstate are also great options. But the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Artesia before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$1,596$412Compare Prices
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What kind of car insurance you need in Artesia

In Artesia, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In New Mexico, drivers are required to carry liability insurance with at least the following coverage levels:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
It’s usually a good idea to purchase more than the minimum required insurance. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Here are some additional coverages that would serve drivers in Artesia well:
FactorRecommended coverageDescription
Uninsured driversUninsured motorist coverageMore than 20% of drivers in New Mexico lack insurance. Uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry the minimum required coverage.
Severe weatherComprehensive insuranceComprehensive insurance covers physical damage to your car, including from severe weather events like flash floods and hail storms.
Highway trafficCollision insuranceCollision insurance covers damage to your vehicle incurred due to a collision with another vehicle or stationary object.
Rural roadsRoadside assistanceIf you get stuck on the outskirts of town and need help, this coverage will provide towing, tire changes, locksmith services, battery jumpstarts, and more.

What determines your car insurance cost in Artesia

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Artesia, you could be paying as much as -- more per month than an adult driver. These are average rates for Jerry customers in Artesia broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
25-34$1,596$412
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Artesia with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,596$412
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Where in Artesia you live

It may seem like insurance rates in Artesia should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Artesia, residents of -- will have the most expensive car insurance rates, while people who live in 88210 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Artesia:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
August 5, 202188210Ford Escape SENM25Progressive$133/mo.$88/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Why is car insurance in Artesia so expensive?

A variety of considerations determine baseline car insurance rates in Artesia. Insurance companies often consider the following:
Artesia has a few factors that contribute to its high insurance rates.

Uninsured drivers

New Mexico has the fourth-highest rate of uninsured drivers in the country. When the number of uninsured motorist claims goes up, insurance companies often raise premiums for insured drivers to account for that risk.

Severe weather

Severe thunderstorms, flash floods, and dust storms are common in New Mexico during monsoon season. Water and debris from these weather events can damage your car, and you are more likely to get into an accident while driving in these conditions.

High crime rates

When insurers are concerned about theft or property damage, your premium will go up.

How can you save money on car insurance in Artesia?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts are a great way to save money on your car insurance in Artesia. And if you’re eligible for multiple discounts, they can help put a pretty sizable dent in your premium.
Here are some common discounts available with insurance carriers in Artesia:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Defensive drivingTaking a state-approved defensive driving course lessens your risk as a driver and can result in discounted premiums.
Good studentStudents under the age of 25 who maintain at least a B average can usually find savings on their car insurance policy.
Accident-freeIf you’ve been accident-free for 3 to 5 years, you’re likely eligible for a discount on your policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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