Cheap Quotes for Carlsbad, NM Car Insurance (2021)

Carlsbad, New Mexico car insurance rates average $294 a month and New Mexico law requires coverage of at least 25/50/10. By comparing rates from multiple Carlsbad, NM companies, you can find cheap Carlsbad 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 Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Carlsbad, NM after a DUI are $4,497/year
  • Average car insurance rates in Carlsbad, NM for senior drivers are $2,035/year
  • Carlsbad has an average commute time of 19.6 minutes

How do the Carlsbad, New Mexico monthly average car insurance rates of $294/month compare to nearby cities like Alamogordo car insurance rates, Roswell car insurance rates, and Santa Fe car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Carlsbad, NM.

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

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

What are the minimum Carlsbad, NM car insurance requirements?

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

Minimum Required Car Insurance Coverage in Carlsbad, 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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How do age, gender, and marital status affect Carlsbad, NM car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Carlsbad, 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 $2,629 $2,670 $2,362 $2,495 $8,143 $9,314 $2,978 $3,173
Farmers $2,665 $2,662 $2,390 $2,535 $10,430 $10,744 $2,993 $3,106
GEICO $2,824 $2,906 $2,668 $2,668 $7,777 $10,704 $2,963 $3,046
Nationwide $2,556 $2,602 $2,315 $2,436 $6,186 $7,837 $2,885 $3,098
Progressive $1,594 $1,551 $1,438 $1,448 $6,368 $7,172 $1,931 $1,999
State Farm $1,656 $1,656 $1,501 $1,501 $4,559 $5,736 $1,858 $2,054
USAA $1,429 $1,416 $1,370 $1,363 $3,675 $4,144 $1,756 $1,875

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

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

Annual Car Insurance Rates for Teen Drivers in Carlsbad, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,143 $9,314
Farmers $10,430 $10,744
GEICO $7,777 $10,704
Nationwide $6,186 $7,837
Progressive $6,368 $7,172
State Farm $4,559 $5,736
USAA $3,675 $4,144

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

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

Annual Car Insurance Rates for Senior Drivers in Carlsbad, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,362 $2,495
Farmers $2,390 $2,535
GEICO $2,668 $2,668
Nationwide $2,315 $2,436
Progressive $1,438 $1,448
State Farm $1,501 $1,501
USAA $1,370 $1,363

How does coverage level affect Carlsbad, 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 Carlsbad, NM car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Carlsbad, New Mexico

Insurance Company Low Medium High
Allstate $4,062 $4,214 $4,387
Farmers $4,312 $4,652 $5,108
GEICO $4,154 $4,433 $4,747
Nationwide $3,704 $3,712 $3,802
Progressive $2,803 $2,938 $3,072
State Farm $2,348 $2,574 $2,774
USAA $1,967 $2,139 $2,280

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

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

Annual Carlsbad, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,542 $4,585 $4,820 $3,935
Farmers $3,973 $5,094 $4,974 $4,722
GEICO $2,626 $4,205 $8,321 $2,626
Nationwide $2,773 $3,925 $5,105 $3,154
Progressive $2,547 $3,459 $2,739 $3,005
State Farm $2,406 $2,618 $2,618 $2,618
USAA $1,578 $2,195 $2,905 $1,837

How does a DUI affect Carlsbad, NM car insurance rates?

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

Annual Car Insurance Rates After a DUI in Carlsbad, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,820
Farmers $4,974
GEICO $8,321
Nationwide $5,105
Progressive $2,739
State Farm $2,618
USAA $2,905

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

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

Annual Car Insurance Rates by Credit Score in Carlsbad, New Mexico

Insurance Company Poor Fair Good
Allstate $4,919 $4,042 $3,701
Farmers $5,388 $4,450 $4,234
GEICO $4,997 $4,333 $4,004
Nationwide $4,575 $3,553 $3,090
Progressive $3,231 $2,871 $2,710
State Farm $3,674 $2,249 $1,772
USAA $2,656 $1,996 $1,734

How does your commute affect Carlsbad, NM car insurance rates?

Carlsbad, 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 Carlsbad if you’re financing.

Annual Car Insurance Rates by Commute Length in Carlsbad, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,221 $4,221
Farmers $4,691 $4,691
GEICO $4,378 $4,511
Nationwide $3,739 $3,739
Progressive $2,938 $2,938
State Farm $2,500 $2,630
USAA $2,065 $2,192

Who has the cheapest Carlsbad, NM car insurance rates?

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

Best Annual Car Insurance Rates by Company in Carlsbad, New Mexico

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

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What are the top Carlsbad, NM car insurance companies?

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

Average Annual Car Insurance Rates by Company in Carlsbad, New Mexico

Insurance Company Average Annual Rates
Allstate $4,221
Farmers $4,691
GEICO $4,444
Nationwide $3,739
Progressive $2,938
State Farm $2,565
USAA $2,129

What factors affect Carlsbad, NM car insurance rates?

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

What is the car theft rate in Carlsbad, NM?

FBI statistics show that the Carlsbad, New Mexico car theft rate is 110 thefts each year. High theft rates can lead to higher than average Carlsbad, NM car insurance rates.

How long is the average commute in Carlsbad, NM?

More time spent behind the wheel can lead to higher Carlsbad, New Mexico car insurance rates. In Carlsbad, NM, the average commute length is 19.6 minutes.

Car Insurance Quotes for Carlsbad, NM

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

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