4.8out of 3,000+ reviews

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Thanks to the beautiful White Sands National Monument and the array of parks that dot the town, Alamogordo is one of the Southwest’s can’t-miss tourist spots. For those who live in Alamogordo full-time, cars are the primary mode of transportation. That’s why it’s so important for the over 30,000 residents of this New Mexico town to be equipped with a car insurance policy that meets their needs and budget.
Car Insurance in Alamogordo, NM
Quick Facts
- The average cost of car insurance in Alamogordo is $103 per month, or $1236 annually.
- Car insurance in Alamogordo is $53 less than the average cost of car insurance in New Mexico.
- The cheapest car insurance provider in Alamogordo on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Cheapest Car Insurance in Alamogordo, NM
Insurance Provider in Alamogordo | Quotes |
---|---|
Progressive | $21 /mo |
State Farm | $41 /mo |
Allstate | $85 /mo |
Travelers | $89 /mo |
Nationwide | $91 /mo |
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Average Car Insurance Cost
New Mexico Cities | |
---|---|
Albuquerque | $131/mo |
Las Cruces | $77/mo |
Rio Rancho | $119/mo |
Santa Fe | $99/mo |
Alamogordo | $78/mo |
New Mexico | $101/mo |
Minimum Car Insurance Requirements in New Mexico
All motor vehicles operated or parked on New Mexico roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in New Mexico[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Mexico is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Alamogordo Car Insurance Rates by Driver Age
Auto insurance in the Alamogordo area of New Mexico is known for its cheap rates—even for teenage drivers. On average, a driver below the age of 20 will pay roughly $204 a month for coverage. The price dips lower from there, bottoming out at $45.67 for drivers in their 60s. There is a small jump in price for those in their 80s, as the average price moves back up to $112. This spike can be attributed to an increase in the number of accidents for the age group.
Driver's Age | Avg. Monthly Cost |
---|---|
teens | $205 |
20s | $118 |
30s | $109 |
40s | $104 |
50s | $88 |
60s | $46 |
70s | $53 |
80s | $112 |
Alamogordo Car Insurance Rates by Driving and Accident History
In Alamogordo, keeping a clean driving record and accident history means that you have access to some incredibly low insurance rates. For instance, those with no violations tend to pay less than $100 a month in premiums, with an average around $98.67. In the city, speeding is seen as a major violation and can result in a significant spike in the average premium rate, to $189.75. Other incidents, such as at-fault accidents, can result in an increased rate as well.
Driving History | Avg. Monthly Cost |
---|---|
No Violation | $99 |
Speeding Ticket | $190 |
At-Fault Accident | $120 |
Failure to Stop for Red Light / Stop Sign | $87 |
Alamogordo Car Insurance Rates by Credit Tier
Proactively working to improve your credit score can have an impact on what your average premium payment is in Alamogordo. This is especially true if you can reach and maintain a good credit rating. In this range, premiums tend to average around $83.03 and are at least $20 cheaper than the next best average. Drivers who score an average or poor rating should expect to pay between $105 and $110 for their monthly premiums.
Credit Tier | Avg. Monthly Cost |
---|---|
Excellent | $133 |
Good | $84 |
Average | $110 |
Poor | $108 |
Find local Alamogordo agents
USA Insurance
913 Delaware Ave.,
Alamogordo, NM 88310High Country Agency, Inc.
1400 E. 9th Street,
Suite B, Alamogordo, NM 88310George Gandy Insurance, LLC
912 Adams Avenue,
Alamogordo, NM 88310dba Charles Garland & Harris Agency
3310 N White Sands Blvd,
Alamogordo, NM 88310-9799Farmers Insurance - Michael Haymes
1214 N New York Ave,
Alamogordo, NM 88310Javier Lerma: Allstate Insurance
820 E 10th St,
Alamogordo, NM 88310Amy Tillotson - State Farm Insurance Agent
1018 Vermont Ave,
Alamogordo, NM 88310Fred Loya Insurance
200 E 1st St Ste D,
Alamogordo, NM 88310Farmers Insurance - John Glass
200 N White Sands Blvd,
Alamogordo, NM 88310Edd Gauldin - State Farm Insurance Agent
2904 N White Sands Blvd,
Alamogordo, NM 88310
Alamogordo, NM DMV Information
Alamogordo has a licensing field office at 263C Robert H Bradley Dr., Alamogordo, NM 88310, which is open from 8 a.m. to 5 p.m. Monday through Friday. Be sure to make an appointment ahead of time online toavoid long lines.
Public Transportation in Alamogordo, NM
Alamogordo is served by the Z-Trans mass transit system, which provides shuttle service along fixed routes throughout the day. To get outside the city, Alamogordo residents use Greyhound Lines around the region, which will even drop residents off at the nearby El Paso International Airport.
How to get the best and cheapest car insurance in Alamogordo, NM
While Alamogordo might not be New Mexico’s biggest city, it’s still a town where cars are the primary way that residents get from point A to point B. Insurify can connect you with plenty of affordable car insurance policies, giving you the peace of mind that comes from having a policy that fits your budget.
FAQs - Alamogordo, NM Car Insurance
State Farm, Allstate, and Farmers all have local agents in Alamogordo, giving residents the chance to purchase insurance from some of the industry’s foremost brands. A low credit score can lead to higher car insurance premiums in New Mexico. If you’re worried about your credit score’s impact on buying car insurance, be sure to seek out a company that might be willing to overlook a poor credit history. To find the cheapest car insurance in Alamogordo, check out Insurify. Insurify makes it simple to find cheap car insurance, helping you compare free quotes from 10+ car insurance companies.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Alamogordo Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Alamogordo, New Mexico below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Alamogordo drivers measure up to their fellow motorists across New Mexico in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Alamogordo
#5
City with the Most Speeding Tickets Rank in New Mexico
#2
City with the Most Moving Violations Rank in New Mexico
#11
City with the Most DUIs Rank in New Mexico
#10
City with the Most Suspended Licenses in New Mexico
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Alamogordo drivers rank 7 in the number of car accidents per driver across all cities in New Mexico.
- Rank within state: #7
- Percent of drivers in Alamogordo with an accident: 6.78%
- Drivers in Alamogordo, NM with an accident in their driving history pay on average 30.77% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Alamogordo drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in Alamogordo with a speeding ticket: 11.53%
- Drivers in Alamogordo, NM with a speeding ticket in their driving history pay on average 53.85% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Alamogordo drivers rank 11 in the number of DUI’s per driver across all cities in New Mexico.
- Rank within state: #11
- Percent of drivers in Alamogordo with a DUI: 1.36%
- Drivers in Alamogordo, NM with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Alamogordo is the Ford F-Series Pickup.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Sources
- New Mexico Motor Vehicle Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022