Cheap Quotes for Luna, NM Car Insurance (2021)

Luna, New Mexico car insurance rates average $267 a month and New Mexico law requires coverage of at least 25/50/10. By comparing rates from multiple Luna, NM companies, you can find cheap Luna 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 Luna, NM for senior drivers are $1,825/year
  • The cheapest car insurance company in Luna is State Farm
  • Average car insurance rates in Luna, NM after a DUI are $4,106/year

How do the Luna, New Mexico monthly average car insurance rates of $267/month compare to nearby cities like Alamogordo car insurance rates, Rio Rancho car insurance rates, and Las Cruces car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Luna, NM.

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

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

What are the minimum Luna, NM car insurance requirements?

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

Minimum Required Car Insurance Coverage in Luna, 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 Luna, NM car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Luna, 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 $2,393 $2,405 $2,184 $2,299 $7,879 $9,096 $2,661 $2,817
Farmers $2,172 $2,165 $1,944 $2,069 $8,803 $9,064 $2,448 $2,534
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,197 $2,236 $1,997 $2,097 $5,254 $6,626 $2,473 $2,648
Progressive $1,610 $1,549 $1,464 $1,464 $6,815 $7,690 $1,949 $2,018
State Farm $1,260 $1,260 $1,142 $1,142 $3,351 $4,210 $1,407 $1,552
USAA $1,435 $1,435 $1,362 $1,367 $3,607 $4,084 $1,769 $1,902

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,879 $9,096
Farmers $8,803 $9,064
GEICO $7,583 $10,447
Nationwide $5,254 $6,626
Progressive $6,815 $7,690
State Farm $3,351 $4,210
USAA $3,607 $4,084

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,184 $2,299
Farmers $1,944 $2,069
GEICO $2,511 $2,511
Nationwide $1,997 $2,097
Progressive $1,464 $1,464
State Farm $1,142 $1,142
USAA $1,362 $1,367

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

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

Insurance Company Low Medium High
Allstate $3,778 $3,958 $4,164
Farmers $3,568 $3,865 $4,267
GEICO $3,990 $4,256 $4,552
Nationwide $3,150 $3,155 $3,268
Progressive $2,947 $3,070 $3,193
State Farm $1,747 $1,921 $2,079
USAA $1,978 $2,128 $2,253

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

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

Annual Luna, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,280 $4,314 $4,590 $3,683
Farmers $3,296 $4,241 $4,141 $3,922
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,389 $3,349 $4,321 $2,705
Progressive $2,649 $3,643 $2,856 $3,130
State Farm $1,802 $1,953 $1,953 $1,953
USAA $1,581 $2,186 $2,874 $1,838

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,590
Farmers $4,141
GEICO $8,009
Nationwide $4,321
Progressive $2,856
State Farm $1,953
USAA $2,874

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

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

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

Insurance Company Poor Fair Good
Allstate $4,617 $3,803 $3,480
Farmers $4,472 $3,705 $3,523
GEICO $4,787 $4,162 $3,849
Nationwide $3,907 $3,033 $2,633
Progressive $3,354 $3,004 $2,851
State Farm $2,726 $1,684 $1,335
USAA $2,659 $1,984 $1,717

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

Luna, 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 Luna if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $3,967
Farmers $3,900 $3,900
GEICO $4,201 $4,331
Nationwide $3,191 $3,191
Progressive $3,070 $3,070
State Farm $1,868 $1,962
USAA $2,056 $2,183

Who has the cheapest Luna, NM car insurance rates?

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

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

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

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What are the top Luna, NM car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $3,967
Farmers $3,900
GEICO $4,266
Nationwide $3,191
Progressive $3,070
State Farm $1,915
USAA $2,120

What factors affect Luna, NM car insurance rates?

Why are Luna, New Mexico car insurance rates different than rates in Alamogordo or Rio Rancho? 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 Luna, NM?

More time spent behind the wheel can lead to higher Luna, New Mexico car insurance rates. In Luna, NM, the average commute length is 26.4 minutes.

Car Insurance Quotes for Luna, NM

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