120+ more*Quotes generated for Insurify users in and around Albuquerque, New Mexico within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Albuquerque, New Mexico within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The General, National General, and Sun Coast offer the cheapest car insurance in Albuquerque.
Minimum coverage costs an average of $81 per month in Albuquerque, compared to the statewide average of $65.
Albuquerque ranks as the second most-deadly city in America for pedestrians killed in vehicle collisions.
State-minimum liability insurance costs an average of $81 per month in Albuquerque, while full-coverage averages $167. That’s higher than neighboring Las Cruces, the second-largest city in New Mexico.
Car insurance rates tend to be high in Albuquerque for a few reasons. Drivers in the city have a high risk of hitting pedestrians. Albuquerque also has heavy traffic congestion and high rates of auto theft. In 2025, thieves stole 3,317 vehicles, according to the National Insurance Crime Bureau (NICB).
Below, you’ll find how Albuquerque’s average rates compare to the state average, according to Insurify data.
Car Insurance Costs in Albuquerque vs. New Mexico | Average Monthly Quote |
|---|---|
| Albuquerque average | $124 |
| New Mexico average | $101 |
The General offers the cheapest liability-only rates in Albuquerque, averaging $49 per month.
Root has the most affordable full-coverage car insurance in the city, with an average monthly rate of $105.
Compare quotes, starting at an average of $49 per month
Road safety is a top concern among Albuquerque residents, especially in the city’s northwest area. City officials flagged Coors Boulevard, which meanders alongside the Rio Grande, as a priority for road-safety improvements.[1]
About 24% of New Mexico drivers don’t have car insurance, one of the highest rates in the country, according to the Insurance Information Institute.[2] Without uninsured/underinsured motorist coverage, you’d be out of luck if a driver without enough insurance hit your car.[3]
To address the problem, lawmakers are considering using automated license plate readers to verify insurance coverage and flag uninsured drivers.
Albuquerque has high rates of vehicle theft. Even though thefts declined by 34% in the first half of 2025, the city is still No. 6 in the country for auto thefts, according to the National Insurance Crime Bureau (NICB).
Full-coverage car insurance can offer you some extra reassurance, because it typically covers vehicle theft. With only a minimum-coverage policy, you’d have to pay for a new car yourself if someone stole it.
Car insurance companies typically charge higher rates in Albuquerque than in any other New Mexico city. Minimum-coverage car insurance costs an average of $81 per month, and full coverage averages $167.
Vehicle theft rates are much higher in Albuquerque than in nearby Rio Rancho. Unfortunately, pedestrian fatalities are also very high in Albuquerque.
Here are the average car insurance rates in different cities throughout New Mexico, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Albuquerque | $124 |
| Farmington | $75 |
| Hobbs | $110 |
| Las Cruces | $99 |
| Rio Rancho | $116 |
| Roswell | $94 |
| Santa Fe | $105 |
Albuquerque is a very car-centric city — 94% of people drive to work every day, compared to just 69% of people nationwide.[4] With so many cars on the road, it’s no surprise Albuquerque ranks No. 2 for pedestrian fatalities in the U.S., according to Smart Growth America.[5] More accidents, especially fatal ones, increase car insurance rates because you’re more likely to file a claim.
In 2019, Albuquerque implemented the Vision Zero traffic safety plan to reduce traffic deaths. The city designated several priority areas for road safety projects, including Coors Boulevard, Central Avenue, and Lomas Boulevard. Reducing traffic deaths can help lower rates in the area.
Albuquerque sits at the crossroads of I-25 and I-40, which funnel hundreds of thousands of drivers through the city every day.[6] Congestion is frequent, and Albuquerque drivers spent an average of 48 hours stuck in traffic in 2025, according to the Texas A&M Transportation Institute.[7] Traffic increases rates because more cars on the road can mean more accidents.
All Albuquerque drivers must have a minimum 25/50/15 insurance policy to comply with New Mexico state law.[8] That means you need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $15,000 of property damage liability coverage.
Drivers in Albuquerque pay an average of $81 per month for minimum-coverage car insurance.
The following table shows the cheapest rates for liability-only car insurance in Albuquerque.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| The General | $49 |
| National General | $50 |
| Sun Coast | $50 |
| Bristol West | $55 |
| Root | $55 |
| GAINSCO | $60 |
| State Farm | $63 |
| Safeco | $67 |
| Direct Auto | $69 |
| Dairyland | $77 |
| USAA | $77 |
| GEICO | $78 |
| Liberty Mutual | $111 |
| Allstate | $124 |
| Farmers | $150 |
| Nationwide | $151 |
Albuquerque drivers pay a monthly average of $167 for full-coverage car insurance.
Full-coverage policies include liability coverage, plus comprehensive and collision coverage. Comprehensive insurance can help protect you against Albuquerque’s high auto theft rate.
If you finance or lease your vehicle, most lenders require you to have full coverage. That’s important to know in Albuquerque, where 30% of drivers either lease or finance their cars.
The table below shows the cheapest full-coverage rates in Albuquerque.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $105 |
| State Farm | $115 |
| National General | $123 |
| Safeco | $136 |
| Sun Coast | $140 |
| USAA | $140 |
| Bristol West | $141 |
| GEICO | $143 |
| Direct Auto | $156 |
| The General | $165 |
| Dairyland | $176 |
| Liberty Mutual | $184 |
| GAINSCO | $196 |
| Allstate | $229 |
| Farmers | $274 |
| Nationwide | $277 |
*Quotes generated for Insurify users in and around Albuquerque, New Mexico within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Albuquerque, New Mexico within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Nearly 4% of Albuquerque drivers have a ticket on their driving record, according to Insurify data. The city is serious about enforcing traffic laws. In 2025, the Albuquerque Police Department issued more than a quarter-million speeding tickets through its automated speed cameras alone.[9]
Drivers with a recent ticket pay an average of $149 per month for car insurance.
This table shows the cheapest rates for Albuquerque drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Sun Coast | $60 |
| National General | $61 |
| The General | $64 |
| Bristol West | $68 |
| GAINSCO | $70 |
| Root | $72 |
| State Farm | $78 |
| Direct Auto | $85 |
| Safeco | $86 |
| Dairyland | $94 |
| USAA | $97 |
| GEICO | $100 |
| Liberty Mutual | $138 |
| Allstate | $158 |
| Farmers | $188 |
| Nationwide | $192 |
Albuquerque drivers with a recent accident pay a monthly average of $178 for car insurance.
Insurify data shows that 4% of Albuquerque drivers have an at-fault accident on their record. Car insurance companies charge more after an accident because they see you as more likely to file future claims. New Mexico is an at-fault state, so the person who causes an accident has to pay for the damage they cause to others.[10]
The table below lists the cheapest rates for drivers with an at-fault accident in Albuquerque.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $69 |
| The General | $70 |
| Sun Coast | $72 |
| Bristol West | $76 |
| Root | $77 |
| GAINSCO | $80 |
| State Farm | $87 |
| Safeco | $97 |
| Direct Auto | $98 |
| Dairyland | $106 |
| GEICO | $107 |
| USAA | $108 |
| Liberty Mutual | $154 |
| Allstate | $174 |
| Farmers | $209 |
| Nationwide | $212 |
About 1% of Albuquerque drivers have a driving while intoxicated (DWI) conviction on their driving record, Insurify data shows. That can severely limit your coverage options, because insurers think you’re more likely to engage in risky driving behavior again.
In 2024, 28% of DWI arrests in Albuquerque were repeat offenders, and 41% of fatal accidents involved drunk drivers, according to the University of New Mexico.[11]
On average, Albuquerque drivers with a DWI pay $178 per month for car insurance.
The following table shows the cheapest rates for drivers with a DWI in Albuquerque.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| The General | $68 |
| National General | $72 |
| Sun Coast | $72 |
| Bristol West | $79 |
| Root | $80 |
| GAINSCO | $86 |
| State Farm | $91 |
| Direct Auto | $99 |
| Safeco | $102 |
| Dairyland | $111 |
| GEICO | $111 |
| USAA | $111 |
| Liberty Mutual | $160 |
| Allstate | $179 |
| Farmers | $216 |
| Nationwide | $217 |
New Mexico has a graduated driver’s license program, and teens can get their learner’s permit at 15.[12] After their permit, teens move on to a provisional license, then to a full driver’s license. Younger drivers also have restrictions on when they can drive and how many passengers they can have in the car.
Car insurance companies typically charge higher rates for teenage drivers because they lack experience and have riskier driving habits.[13] Albuquerque teens pay an average of $255 per month for car insurance.
The chart below shows the cheapest rates for teenage drivers in Albuquerque.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| The General | $94 |
| Root | $102 |
| Sun Coast | $103 |
| Bristol West | $104 |
| National General | $106 |
| GAINSCO | $114 |
| State Farm | $130 |
| Direct Auto | $142 |
| Dairyland | $143 |
| Safeco | $144 |
| GEICO | $150 |
| USAA | $152 |
| Liberty Mutual | $208 |
| Allstate | $260 |
| Nationwide | $313 |
| Farmers | $318 |
Find the coverage you need at the best price in Albuquerque
Senior drivers don’t cause as many accidents as other age groups, which typically reduces premiums. New Mexico seniors can also take advantage of state-mandated insurance discounts if they pass an approved defensive driver training course.
Albuquerque seniors pay an average of $105 per month for auto coverage.
The following table shows the cheapest rates for senior drivers in Albuquerque, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $39 |
| The General | $41 |
| Sun Coast | $42 |
| Bristol West | $46 |
| Root | $46 |
| State Farm | $49 |
| GAINSCO | $51 |
| Direct Auto | $56 |
| Safeco | $58 |
| GEICO | $61 |
| USAA | $62 |
| Dairyland | $65 |
| Liberty Mutual | $92 |
| Allstate | $100 |
| Nationwide | $115 |
| Farmers | $118 |
Here’s what you need to know about buying the right coverage for the right price in Albuquerque.
Albuquerque drivers pay an average of $124 per month for car insurance, according to Insurify data. Liability-only coverage costs an average of $81 per month, and full coverage averages $167.
The General is the cheapest car insurance company in Albuquerque, with rates averaging $49 per month. But your personal rate can vary based on factors such as your age, ZIP code, and driving record.
Progressive typically offers cheaper rates in New Mexico than GEICO, according to Insurify data. Progressive’s monthly rates in the state average $38, and GEICO’s average $64. But how much you pay for car insurance depends on several factors, like your ZIP code and coverage choices.
Albuquerque residents pay higher-than-average insurance rates because of the city’s high theft rates. Traffic from I-25 and I-40 increases the risk of accidents, which also drives up rates. Personal details, like your age, driving record, and location, also affect how much you pay for car insurance.
AAA ranks No. 1 for customer satisfaction in the Southwest region, according to J.D. Power. USAA has the best overall customer service, according to Insurify user reviews. The company scores 4.9 out of 5 for customer service.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify ’s engineering team for more than three years.