Cheap Quotes for Arroyo Seco, NM Car Insurance (2021)

Arroyo Seco, New Mexico car insurance rates average $308 a month and New Mexico law requires coverage of at least 25/50/10. By comparing rates from multiple Arroyo Seco, NM companies, you can find cheap Arroyo Seco car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Arroyo Seco is USAA
  • Average car insurance rates in Arroyo Seco, NM are $308/month
  • Arroyo Seco has an average commute time of 26.5 minutes

How do the Arroyo Seco, New Mexico monthly average car insurance rates of $308/month compare to nearby cities like Alamogordo car insurance rates, Gallup car insurance rates, and Farmington car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Arroyo Seco, NM.

We’ll cover the New Mexico minimum coverage requirements, New Mexico car insurance laws, and Arroyo Seco, NM statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Arroyo Seco, New Mexico companies to find the most affordable Arroyo Seco car insurance rates.

Enter your ZIP code above to find cheap Arroyo Seco, NM car insurance quotes today.

What are the minimum Arroyo Seco, NM car insurance requirements?

To meet New Mexico minimum car insurance coverage requirements, Arroyo Seco, NM drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Arroyo Seco, New Mexico

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Average Arroyo Seco, NM Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Arroyo Seco, NM you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Arroyo Seco, New Mexico

ZIP Code Average Annual Rates
87514 $3,911
87571 $3,886

How do age, gender, and marital status affect Arroyo Seco, NM car insurance rates?

Three of the criteria that most affect car insurance rates in Arroyo Seco, New Mexico are age, gender, and marital status. Let’s take a look at how each of these stack up with top Arroyo Seco car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Arroyo Seco, New Mexico

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,520 $2,522 $2,316 $2,433 $8,658 $10,075 $2,779 $2,950
Farmers $2,530 $2,524 $2,267 $2,424 $10,270 $10,546 $2,833 $2,914
GEICO $3,088 $3,172 $2,903 $2,903 $8,952 $12,283 $3,255 $3,266
Nationwide $2,576 $2,615 $2,344 $2,454 $6,281 $7,896 $2,912 $3,114
Progressive $1,714 $1,650 $1,567 $1,565 $7,206 $8,124 $2,065 $2,129
State Farm $1,667 $1,667 $1,517 $1,517 $4,570 $5,719 $1,865 $2,074
USAA $1,642 $1,625 $1,570 $1,559 $4,399 $4,968 $2,035 $2,175

How much do teen drivers pay for car insurance in Arroyo Seco, NM?

Arroyo Seco, New Mexico car insurance rates for teens are often higher than rates for other drivers. Compare Arroyo Seco car insurance rates from multiple Arroyo Seco, New Mexico car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Arroyo Seco, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,658 $10,075
Farmers $10,270 $10,546
GEICO $8,952 $12,283
Nationwide $6,281 $7,896
Progressive $7,206 $8,124
State Farm $4,570 $5,719
USAA $4,399 $4,968

How much do senior drivers pay for car insurance in Arroyo Seco, NM?

With a little research, seniors can find affordable car insurance in Arroyo Seco, New Mexico. Here’s a look at how the top Arroyo Seco car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Arroyo Seco, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,316 $2,433
Farmers $2,267 $2,424
GEICO $2,903 $2,903
Nationwide $2,344 $2,454
Progressive $1,567 $1,565
State Farm $1,517 $1,517
USAA $1,570 $1,559

How does coverage level affect Arroyo Seco, NM car insurance rates?

How much coverage do you need? Are you comfortable with the New Mexico minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Arroyo Seco, NM car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Arroyo Seco, New Mexico

Insurance Company Low Medium High
Allstate $4,093 $4,273 $4,479
Farmers $4,107 $4,490 $5,018
GEICO $4,635 $4,964 $5,335
Nationwide $3,691 $3,737 $3,894
Progressive $3,076 $3,248 $3,434
State Farm $2,353 $2,581 $2,789
USAA $2,316 $2,509 $2,664

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How does your driving record affect Arroyo Seco, NM car insurance rates?

Safe driving pays off. The more traffic violations you have in Arroyo Seco, NM, the higher your car insurance rates will be. Compare rates based on driving infractions from top Arroyo Seco, New Mexico companies.

Annual Arroyo Seco, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,501 $4,643 $5,016 $3,967
Farmers $3,837 $4,939 $4,825 $4,552
GEICO $2,945 $4,710 $9,310 $2,945
Nationwide $2,831 $3,962 $5,100 $3,202
Progressive $2,805 $3,864 $3,027 $3,314
State Farm $2,415 $2,627 $2,627 $2,627
USAA $1,850 $2,583 $3,397 $2,157

How does a DUI affect Arroyo Seco, NM car insurance rates?

With even one DUI on your record, you can see an increase in your Arroyo Seco, NM car insurance rates.

Annual Car Insurance Rates After a DUI in Arroyo Seco, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,016
Farmers $4,825
GEICO $9,310
Nationwide $5,100
Progressive $3,027
State Farm $2,627
USAA $3,397

How does your credit history affect Arroyo Seco, NM car insurance rates?

Take a look at the data here to see how your Arroyo Seco, New Mexico car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Arroyo Seco, New Mexico

Insurance Company Poor Fair Good
Allstate $4,981 $4,107 $3,757
Farmers $5,215 $4,306 $4,094
GEICO $5,580 $4,858 $4,495
Nationwide $4,618 $3,592 $3,111
Progressive $3,559 $3,182 $3,017
State Farm $3,667 $2,263 $1,793
USAA $3,122 $2,339 $2,029

How does your commute affect Arroyo Seco, NM car insurance rates?

Arroyo Seco, NM car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New Mexico can be seen here. Remember, though, that you may have to carry substantially more car insurance in Arroyo Seco if you’re financing.

Annual Car Insurance Rates by Commute Length in Arroyo Seco, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,282 $4,282
Farmers $4,538 $4,538
GEICO $4,902 $5,054
Nationwide $3,774 $3,774
Progressive $3,253 $3,253
State Farm $2,512 $2,637
USAA $2,422 $2,571

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Who has the cheapest Arroyo Seco, NM car insurance rates?

Here’s a breakdown of Arroyo Seco, New Mexico car insurance rates by company. You can see which company offers the cheapest Arroyo Seco car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Arroyo Seco, New Mexico

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Arroyo Seco, NM car insurance companies?

Which Arroyo Seco, New Mexico car insurance company will best fit your needs and budget? Check out this comparison of the top Arroyo Seco companies to find the one for you.

Average Annual Car Insurance Rates by Company in Arroyo Seco, New Mexico

Insurance Company Average Annual Rates
Allstate $4,282
Farmers $4,538
GEICO $4,978
Nationwide $3,774
Progressive $3,253
State Farm $2,574
USAA $2,497

What factors affect Arroyo Seco, NM car insurance rates?

Why are Arroyo Seco, New Mexico car insurance rates different than rates in Alamogordo or Gallup? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Arroyo Seco, NM?

More time spent behind the wheel can lead to higher Arroyo Seco, New Mexico car insurance rates. In Arroyo Seco, NM, the average commute length is 26.5 minutes.

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Car Insurance Quotes for Arroyo Seco, NM

Shop for affordable Arroyo Seco, New Mexico car insurance rates today. Enter your ZIP code to compare quotes from multiple Arroyo Seco, NM car insurance companies.

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