Cheapest car insurance in Ribera, New Mexico (Oct 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Ribera

On average,
auto insurance
in Ribera costs about per month for minimum coverage liability insurance, and about per month for full coverage insurance. Ribera drivers pay than the
New Mexico
One of the best ways for Ribera drivers to reduce their auto-related expenses is to find an affordable car insurance policy.
Jerry Insurance Agency
assists drivers in Ribera 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.  
Quote DateInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
September 28, 2023
Troy, 32
Zip: 87560
Dodge Durango SXT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Sep 28, 2023

How'd we get this data?

Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Ribera

It's essential to understand that there is no one-size-fits-all "cheapest" insurance provider for every Ribera driver. 
Jerry conducted an extensive survey of auto insurance providers to help Ribera 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 Ribera 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 Ribera rate different companies on a scale of 0 to 5.  
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm

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 Ribera

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 Ribera

In Ribera, the minimum car insurance requirements include:
Drivers take advantage of the Jerry app to secure affordable minimum liability plans.
Troy (32 years old)
State Minimum
locationRibera, NM (Zip Code: 87560)
per month

Do you need more than minimum coverage in Ribera?

Many Ribera 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 Ribera

Full coverage car insurance is highly recommended for Ribera drivers—and it’s typically required when you’re
buying insurance for a financed vehicle
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
  • 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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Troy, 32
Zip: 87560
Dodge Durango SXT
coverageLast Updated Sep 28, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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.
rating reverse-full
"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.
Lower my car insurance too!

Average cost of car insurance in Ribera

Ribera drivers pay an average of for minimum coverage and for full coverage car insurance per year. That translates to just under a month for a liability only policy, and about a month for full coverage in Ribera.
Although average Ribera 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 Ribera driver can vary significantly.

Car insurance quotes in Ribera by rating factors 

Insurance companies in Ribera 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 Ribera 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 Ribera 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 Ribera?

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 Ribera:

Cheap car insurance quotes in Ribera after driving violations

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 Ribera 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. 

Cheapest car insurance in Ribera 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 Ribera drivers find cheap auto insurance after varoius offenses.

Cheap car insurance quotes in Ribera by age

In Ribera, 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.

Cheap car insurance quotes in Ribera 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 Ribera customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders for upcoming and late payments.
Jerry has helped many Ribera customers who are currently uninsured or have experienced coverage lapses to secure new affordable policies.
Mitchell (32 years old)
Currently Insured
State Minimum
locationRibera, NM (Zip Code: 87560)
per month
Sara (32 years old)
Currently Insured
State Minimum
locationRibera, NM (Zip Code: 87560)
per month
Alberta (32 years old)
Currently Insured
State Minimum
locationRibera, NM (Zip Code: 87560)
per month
Michael (32 years old)
Currently Insured
State Minimum
locationRibera, NM (Zip Code: 87560)
per month
Ronald (32 years old)
Currently Insured
State Minimum
locationRibera, NM (Zip Code: 87560)
per month

How to lower car insurance costs in Ribera

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.
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 Ribera 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 Ribera—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.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance in Ribera, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

Why is car insurance in Ribera 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 Ribera, but you do run the risk of getting into an accident with one of them. This can drive up insurance costs.
  • Frequency of accidents: Riberaexperiences 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.


People living in Ribera pay on average per month – or per year – on state-minimum liability coverage. Full coverage in Ribera costs on average per month of 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.
Based on thousands of Ribera drivers Jerry has worked with, car insurance in Ribera costs an average of per month for state-minimum coverage and 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!
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
, and
receive good ratings from Ribera drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
In New Mexico, the minimum car insurance requirements include:


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
Expert Insurance Writer and Editor
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.