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Cheapest car insurance in Farmington, New Mexico (Nov 2024)
Cheapest car insurance in Farmington, New Mexico (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Farmington, New Mexico.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Farmington
- Best Car Insurance Companies in Farmington
- Best cheap car insurance quotes in Farmington
- Average cost of car insurance in Farmington
- Car insurance quotes in Farmington by rating factors
- How do different factors impact your car insurance costs in Farmington?
- Cheap car insurance quotes in Farmington after driving violations
- Cheap car insurance quotes in Farmington by age
- Cheap car insurance quotes in Farmington based on insurance history
- Cheap car insurance quotes in Farmington for popular cars
- How to lower car insurance costs in Farmington
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Farmington
On average,
auto insurance
in Farmington costs about $83 per month for minimum coverage liability insurance, and about $145per month for full coverage insurance. Farmington drivers pay 25% less than the New Mexico
average. One of the best ways for Farmington drivers to reduce their auto-related expenses is to find an affordable car insurance policy.
Jerry Insurance Agency
assists drivers in Farmington with comparing quotes and buying policies
. Jerry’s user-friendly insurance comparison app is fast and simple.Below are some cheapest car insurance quotes Jerry found for customers in this area.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $79 | Raymond, 36 Zip: 87401 | Dodge Dart SXT | • State Minimum Liability • Comp / Collision |
| Allstate | $87 | Lydia, 55 Zip: 87402 | Ford Explorer XLT | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $258 | Juan, 24 Zip: 87402 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Clearcover | $162 | Helena, 27 Zip: 87401 | Ford Fiesta SE | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Best Car Insurance Companies in Farmington
It's essential to understand that there is no one-size-fits-all "cheapest" insurance provider for every Farmington driver.
Jerry conducted an extensive survey of auto insurance providers to help Farmington drivers identify the company that offers the most competitive rates. This survey is the largest of its kind in the nation and aims to help you in making an informed decision about your insurance coverage.
Some of the most popular car insurance providers in Farmington include:
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.
The table below shows how drivers in Farmington rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Allstate | 4.7 | 4.3 | N/A | 4.7 |
| Progressive | 4.4 | 3.9 | 4.7 | 4.4 |
| State Farm | 3 | N/A | N/A |
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.
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.
Best cheap car insurance quotes in Farmington
Like most states, New Mexico has minimum
liability insurance
requirements that you must meet before hitting the road. Purchasing additional coverage is advisable to ensure you’re financially protected in all situations. Cheap minimum liability insurance quotes in Farmington
In Farmington, the minimum car insurance requirements include:
- $50,000 for bodily injury liability per accident
Drivers take advantage of the Jerry app to secure affordable minimum liability plans.
Raymond (36 years old)
$79
per month
Gainsco
Isabella (23 years old)
$102
per month
Do you need more than minimum coverage in Farmington?
Many Farmington drivers prefer higher coverage limits than required by
New Mexico insurance laws
to get better financial protection in case of an accident. Consult with an insurance professional to determine the appropriate coverage for your specific situation.The bottom line: Insurance experts generally recommend purchasing at least 100/300/100 liability coverage for optimal protection—or full coverage for even better protection.
Cheap full coverage car insurance quotes in Farmington
Full coverage car insurance is highly recommended for Farmington drivers—and it’s typically required when you’re
buying insurance for a financed vehicle
. - Collision coverage helps cover the costs of repairing or replacing your vehicle if it's damaged in an accident
- Comprehensive coverage provides protection for damages caused by events like vandalism, environmental factors, and even theft
Jerry can help you find full coverage policies that won’t break the bank.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Allstate | $87 | Lydia, 55 Zip: 87402 | Ford Explorer XLT |
• State Minimum Liability • Comp / Collision | Safeco | $258 | Juan, 24 Zip: 87402 | Hyundai Elantra SE |
• State Minimum Liability • Comp / Collision | Gainsco | $190 | Francis, 36 Zip: 87401 | Dodge Dart SXT |
• 30,000/60,000 Liability • Comp / Collision | Clearcover | $162 | Helena, 27 Zip: 87401 | Ford Fiesta SE |
Last Updated Nov 17, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Farmington
Farmington drivers pay an average of $996 for minimum coverage and $1,745 for full coverage car insurance per year. That translates to just under $83 a month for a liability only policy, and about $145 a month for full coverage in Farmington.
Although average Farmington insurance rates can provide a general estimation of your insurance costs, premiums are influenced by several individual factors—the type of vehicle, driving record, claims history, and demographic information, for example. As a result, the actual insurance expenses for each Farmington driver can vary significantly.
Average cost of car insurance in Farmington by zip code
Within the city limits, Farmington drivers face varying levels of risk. Zip code is one way that insurance companies determine the amount of risk you face. Some zip codes experience higher rates of auto theft and car accident claims—and in these areas, Farmington drivers pay more for insurance than those who live in less “risky” zip codes.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
87401 | $72 | $179 |
87402 | $48 | $69 |
Compare car insurance costs in other states
Car insurance quotes in Farmington by rating factors
Insurance companies in Farmington use many rating factors when
calculating your auto insurance premium
: - Your driving record and claims history: Your driving history, including accidents, traffic violations, and claims, can impact your insurance rates. A clean driving record generally leads to lower premiums.
- Your age: Drivers younger than 25 years old will pay higher insurance rates in Farmington since insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: The make, model, and year of your vehicle can affect insurance rates. Expensive and high-performance cars tend to have higher premiums.
- Where you keep your car: Where you live and park your vehicle in Farmington can affect your rates. Areas with higher crime rates or higher traffic congestion may have higher insurance premiums.
How do different factors impact your car insurance costs in Farmington?
How do different factors impact your car insurance costs in Farmington?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): New Mexico currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Farmington:
Cheap car insurance quotes in Farmington after driving violations
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 in Farmington after DUI
In Farmington,
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. Ann (49 years old)
CoverageState Minimum
Farmington, NM (Zip Code: 87402)
Lincoln Continental$60
per month
Cheapest car insurance in Farmington after an at-fault accident
Your car accident and claims history will have a significant impact on your car insurance premium.
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 see a significant increase.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $141 | Jay, 43 Zip: 87401 | Jeep Grand Cherokee Overland | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Allstate | $183 | Alex, 43 Zip: 87401 | Jeep Grand Cherokee Overland | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Gainsco | $192 | Katharine, 35 Zip: 87401 | Dodge Dart SXT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Farmington after other driving violations
Apart from speeding tickets and DUIs, violations such as
reckless driving
and driving with a suspended license can also result in increased car insurance costs in {city}.Jerry has helped Farmington drivers find cheap auto insurance after varoius offenses.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $161 | Chris, 27 Zip: 87401 | Nissan Rogue SL | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $161 | Mary, 27 Zip: 87401 | Nissan Rogue SL | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheap car insurance quotes in Farmington by age
In Farmington, young drivers and those with permits or other types of
provisional licenses
typically encounter considerably high insurance rates due to their limited driving experience. Rates tend to fall after the age of 25 before increasing again after the age of 70.Cheapest car insurance in Farmington for young drivers
In Farmington, teen drivers aged 16 to 19 tend to experience the highest insurance rates compared to other age groups.
For teenage drivers in Farmington 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.
Maurice (22 years old)
$199
per month
Cheapest car insurance in Farmington for senior drivers
Average premiums in Farmington 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. Since insurance companies incur significant medical expenses and higher costs,
car insurance rates for seniors
are higher.
Cheap car insurance quotes in Farmington based on insurance history
Your insurance history is a significant factor in determining your car insurance rates.
Typically, drivers with
a gap in insurance coverage
will face higher insurance rates. To support Farmington customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders for upcoming and late payments.Jerry has helped many Farmington customers who are currently uninsured or have experienced coverage lapses to secure new affordable policies.
Christine (27 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Farmington, NM (Zip Code: 87401)
$133
per month
Marcus (29 years old)
$94
per month
Gainsco
Jeff (23 years old)
$102
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Love the prices at the general, I'm only 21 so my insurance rates are still pretty high, but they're the cheapest I could find on the market in my area.
Yoshi
I signed up with Jerry, and the process was so easy! I got to compare rates quickly and decide without any hassle.
Annalise
They've been great! Quick and easy and saved me lots of money!
Cameron
I've been paying way too much for minimal coverage under a major company for many years. My rate is less than half for the exact same coverage.
Of course I switched. I'd like to keep my money, thanks!
Ann-Marie
Cheap car insurance quotes in Farmington for drivers with poor credit
Farmington drivers with lower credit scores typically experience higher insurance costs compared to those with higher credit ratings—even though
credit scores
do not directly reflect driving proficiency. That’s because insurance companies have observed a correlation between bad credit and an increased frequency of filed claims by drivers.Nationwide, the average car insurance premium 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 | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $199 | Jeffery, 21 Zip: 87401 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $199 | Jack, 21 Zip: 87401 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
550 - 659 | Gainsco | $178 | Alvin, 24 Zip: 87401 | Nissan Altima 2.5 | • 30,000/60,000 Liability |
< 550 | Allstate | $183 | Micheal, 43 Zip: 87401 | Jeep Grand Cherokee Overland | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Farmington for popular cars
The car, SUV, or truck you drive on the streets of Farmington 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 Farmington drivers looking to save money include:
MORE: How to get car insurance before buying a car
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Corolla L | Progressive | $102 | Sara, 29 Zip: 87401 | • 50,000/100,000 Liability |
Last Updated Nov 22, 2024How to lower car insurance costs in Farmington
1. Shop around and compare quotes
Shopping for insurance is way less fun than shopping for groceries—but at least it can be done quickly, with help from a comparison app. Every company has its own formula for calculating rates, so it’s a good idea to get quotes from multiple companies to find the best possible rate.
Jerry
is a free comparison app that pulls quotes from top insurance providers so you can compare them side-by-side. No gimmicks! Compare prices, adjust coverage until you’re happy, and then tap to sign up. 2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts for Farmington drivers include: - Good driver discounts. If you have avoided at-fault accidents and you don’t have any (or many) points on your driver’s license, you may qualify for a small safe driver discount.
- Telematics discounts. Telematics programs track your driving behavior and report back to the company. Good driving behavior earns rewards! You can usually get a discount just for signing up, too.
- Good student discounts. Full-time students in Farmington—that’s high school or college—can usually unlock a discount for earning at least a B average. Prepare to show proof of enrollment and proof of grade point average.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in Farmington, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Farmington so expensive?
- High rate of uninsured drivers: New Mexico has one of the highest rates of uninsured drivers in the United States. It’s unclear how many of them are located in Farmington, but you do run the risk of getting into an accident with one of them. This can drive up insurance costs.
- Frequency of accidents: Farmingtonexperiences a lot of traffic 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.
FAQ
How much is car insurance in Farmington?
People living in Farmington pay on average $83 per month – or $996 per year – on state-minimum liability coverage. Full coverage in Farmington costs on average $145 per month of $1,745 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Farmington?
Based on thousands of Farmington drivers Jerry has worked with, car insurance in Farmington costs an average of $83 per month for state-minimum coverage and $145 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Farmington?
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Farmington, New Mexico?
In New Mexico, the minimum car insurance requirements include:
- $50,000 for bodily injury liability per accident
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.