Cheap Auto Insurance Quotes in Alamogordo, NM (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Alamogordo, NM

Here are the cheapest carriers in Alamogordo for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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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.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. 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 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.

Credit TieAvg. Monthly Cost

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Alamogordo stacks up for the state of New Mexico:

Ford F-Series Pickup
Most Popular Car in
Alamogordo, NM
suspended licenses
Cities with Most
Suspended Licenses Rank

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.