Cheap Auto Insurance Quotes in Alamogordo, NM (January 2022)

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Last Updated: January 2022

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

The average cost of New Mexico car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Alamogordo, NM to find you the cheapest quotes in the area.
ProgressiveState FarmAllstateTravelersNationwide

Cheapest Car Insurance in Alamogordo, NM

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

New MexicoAlbuquerqueLas CrucesRio RanchoSanta FeAlamogordo
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Alamogordo, NM Driving Facts


Minimum Car Insurance Requirements in NM

The state of New Mexico requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in New Mexico are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum limits New Mexico state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liabiltiy insurance requirements in New Mexico are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New Mexico requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

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.

Driving History
No Violation$99
Speeding Ticket$190
At-Fault Accident$120
Failure to Stop for Red Light / Stop Sign$87

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.

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.

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.

Find local Alamogordo agents

USA Insurance 
913 Delaware Ave., Alamogordo, NM 88310
High Country Agency, Inc. 
1400 E. 9th Street, Suite B, Alamogordo, NM 88310
George Gandy Insurance, LLC 
912 Adams Avenue, Alamogordo, NM 88310
dba Charles Garland & Harris Agency 
3310 N White Sands Blvd, Alamogordo, NM 88310-9799
Farmers Insurance - Michael Haymes
1214 N New York Ave, Alamogordo, NM 88310
Javier Lerma: Allstate Insurance
820 E 10th St, Alamogordo, NM 88310
Amy Tillotson - State Farm Insurance Agent
1018 Vermont Ave, Alamogordo, NM 88310
Fred Loya Insurance
200 E 1st St Ste D, Alamogordo, NM 88310
Farmers Insurance - John Glass
200 N White Sands Blvd, Alamogordo, NM 88310
Edd Gauldin - State Farm Insurance Agent
2904 N White Sands Blvd, Alamogordo, NM 88310

Insurify Insights: How Alamogordo Drivers Measure Up

Ford Mustang
Most Popular Car in
Alamogordo, NM
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Alamogordo drivers measure up to their fellow New Mexico motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Alamogordo

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 paid on average 30.77% more than drivers with a clean record

Speeding in Alamogordo

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 paid on average 53.85% more than drivers with a clean record

DUI/DWIs in Alamogordo

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 paid on average --% more than drivers with a clean record

Most Popular Vehicle in Alamogordo

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 Mustang.

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

Do major insurance carriers have offices in Alamogordo?

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.

Will my credit score affect my car insurance rates in Alamogordo?

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.

Who offers the cheapest car insurance in my area?

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.


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.

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