Cheap Quotes for Raton, NM Car Insurance (2021)

Raton, New Mexico car insurance rates average $285 a month and New Mexico law requires coverage of at least 25/50/10. By comparing rates from multiple Raton, NM companies, you can find cheap Raton car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

secured lock Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Raton has an average commute time of 13.1 minutes
  • Average car insurance rates in Raton, NM after a DUI are $4,376/year
  • Average car insurance rates in Raton, NM are $285/month

How do the Raton, New Mexico monthly average car insurance rates of $285/month compare to nearby cities like Albuquerque car insurance rates, Hobbs 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 Raton, NM.

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

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

What are the minimum Raton, NM car insurance requirements?

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

Minimum Required Car Insurance Coverage in Raton, 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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Raton, 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 $2,604 $2,625 $2,371 $2,495 $8,603 $9,962 $2,905 $3,099
Farmers $2,324 $2,315 $2,081 $2,214 $9,353 $9,619 $2,621 $2,716
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,586 $2,638 $2,338 $2,465 $6,271 $7,955 $2,917 $3,135
Progressive $1,595 $1,557 $1,435 $1,448 $6,236 $7,020 $1,931 $2,003
State Farm $1,549 $1,549 $1,392 $1,392 $4,070 $5,135 $1,732 $1,911
USAA $1,445 $1,444 $1,372 $1,376 $3,641 $4,122 $1,781 $1,915

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,603 $9,962
Farmers $9,353 $9,619
GEICO $7,583 $10,447
Nationwide $6,271 $7,955
Progressive $6,236 $7,020
State Farm $4,070 $5,135
USAA $3,641 $4,122

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,495
Farmers $2,081 $2,214
GEICO $2,511 $2,511
Nationwide $2,338 $2,465
Progressive $1,435 $1,448
State Farm $1,392 $1,392
USAA $1,372 $1,376

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

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

Insurance Company Low Medium High
Allstate $4,174 $4,326 $4,499
Farmers $3,813 $4,121 $4,532
GEICO $3,990 $4,256 $4,552
Nationwide $3,799 $3,746 $3,819
Progressive $2,774 $2,901 $3,034
State Farm $2,153 $2,348 $2,523
USAA $1,995 $2,146 $2,271

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

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

Annual Raton, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,576 $4,691 $5,039 $4,026
Farmers $3,510 $4,518 $4,411 $4,183
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,805 $3,976 $5,178 $3,193
Progressive $2,519 $3,410 $2,711 $2,973
State Farm $2,206 $2,386 $2,386 $2,386
USAA $1,594 $2,204 $2,897 $1,854

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,039
Farmers $4,411
GEICO $8,009
Nationwide $5,178
Progressive $2,711
State Farm $2,386
USAA $2,897

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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

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

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

Insurance Company Poor Fair Good
Allstate $5,043 $4,153 $3,803
Farmers $4,767 $3,946 $3,753
GEICO $4,787 $4,162 $3,849
Nationwide $4,644 $3,597 $3,123
Progressive $3,201 $2,836 $2,672
State Farm $3,348 $2,055 $1,621
USAA $2,680 $2,000 $1,731

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

Raton, 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 Raton if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,333 $4,333
Farmers $4,155 $4,155
GEICO $4,201 $4,331
Nationwide $3,788 $3,788
Progressive $2,903 $2,903
State Farm $2,283 $2,400
USAA $2,073 $2,201

Who has the cheapest Raton, NM car insurance rates?

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

Best Annual Car Insurance Rates by Company in Raton, 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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

What are the top Raton, NM car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $4,333
Farmers $4,155
GEICO $4,266
Nationwide $3,788
Progressive $2,903
State Farm $2,341
USAA $2,137

What factors affect Raton, NM car insurance rates?

Why are Raton, New Mexico car insurance rates different than rates in Albuquerque or Hobbs? 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 Raton, NM?

FBI statistics show that the Raton, New Mexico car theft rate is 14 thefts each year. High theft rates can lead to higher than average Raton, NM car insurance rates.

How long is the average commute in Raton, NM?

More time spent behind the wheel can lead to higher Raton, New Mexico car insurance rates. In Raton, NM, the average commute length is 13.1 minutes.

Car Insurance Quotes for Raton, NM

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

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption