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.
See More: Cheap Car Insurance New Mexico
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| Insurance Provider in Alamogordo | |
|---|---|
Progressive | $21/mo |
 State Farm | $41/mo |
 Allstate | $85/mo |
 Travelers | $89/mo |
 Nationwide | $91/mo |
| Albuquerque | $131/mo |
| Las Cruces | $77/mo |
| Rio Rancho | $119/mo |
| Santa Fe | $99/mo |
| Alamogordo | $78/mo |
| New Mexico | $101/mo |
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:
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:
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.
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 | |
|---|---|
| teens | $205 |
| 20s | $118 |
| 30s | $109 |
| 40s | $104 |
| 50s | $88 |
| 60s | $46 |
| 70s | $53 |
| 80s | $112 |
| Driving History | |
|---|---|
| No Violation | $99 |
| Speeding Ticket | $190 |
| At-Fault Accident | $120 |
| Failure to Stop for Red Light / Stop Sign | $87 |
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.
See More: High-risk Car Insurance New Mexico
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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 Tie | |
|---|---|
| Excellent | $133 |
| Good | $84 |
| Average | $110 |
| Poor | $108 |
See More: Bad Credit Car Insurance New Mexico
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.
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.
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.
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.
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.
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.
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.
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.
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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