Cheap Auto Insurance in Albuquerque, New Mexico (2025)
State Farm offers the cheapest car insurance in Albuquerque, with minimum-coverage policies as low as $37 per month.
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Data reviewed byKonstantin Halachev
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Table of contents
Set in the Chihuahuan Desert, Albuquerque has stunning natural beauty and a bustling urban economy. And, as New Mexico’s most populous city, its roads are busy — which may explain the higher auto insurance rates. Albuquerque drivers pay an overall average of $133 per month for auto insurance, which is higher than the New Mexico state overall average of $113 per month.
Here’s what you need to know about finding the most affordable car insurance in Albuquerque.
Quick Facts
State Farm, USAA, and GEICO are the cheapest car insurance companies in Albuquerque.
Albuquerque has a high accident rate – nearly 25 crashes per 1,000 city residents, according to state Department of Transportation data.[1]
First-time DUI offenders in New Mexico need to pay a fine of up to $500, take a DUI educational course, complete at least 24 hours of community service, and more.[2]
3 of the best car insurance companies in Albuquerque
The best car insurance company for you will depend on your specific needs as a driver, as well as your driving record and more. The following table outlines three of the best car insurance companies in Albuquerque and the drivers these companies best serve.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $63 | $32 | Cheap rates |
| USAA | 9.4 | $77 | $38 | Drivers with DUIs |
| GEICO | 9.0 | $79 | $39 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $71/mo |
4.2
Best choiceBased on 10,502 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,785)
Daniel
April 16, 2025
Verified Review
Good
It's expensive, but they are good at paying claims.
Betina
April 16, 2025
Verified Review
Great! Need Lower Cost!
The experience is great! As a retired senior citizen, I'm struggling to make ends meet. I need a cheaper/lower cost premium.
Juanita
April 16, 2025
Verified Review
I am the Policyholder
I am very satisfied. I wouldn't go anywhere else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest car insurance company in the country by market share. It offers a wide array of insurance coverage options, including roadside assistance, rental car insurance, and rideshare insurance. Albuquerque drivers who choose State Farm tend to pay rates well below the city average.
Drivers can save even more when they bundle their auto insurance with homeowners insurance or renters insurance from State Farm.
Pros
Lowest average cost for full-coverage insurance in Albuquerque
Above-average J.D. Power customer satisfaction score
Drive Safe and Save telematics program rewards safe driving
Cons
Mixed customer reviews on sites like Trustpilot
Above-average amount of customer complaints to the National Association of Insurance Commissioners (NAIC)
May lack the personalized attention you’d get from a smaller insurer
Best insurer for drivers with a DUI: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
4.9
Best choiceBased on 1,918 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,114)
Peter
April 16, 2025
Verified Review
Excellent Insurance, Although Expensive
I rely on the excellent support provided by USAA.
Richard
April 14, 2025
Verified Review
Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct
This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.
Alan
April 14, 2025
Verified Review
Time for a Change
Great experience.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
New Mexico drivers who get a DUI can lose their license for up to a year and tend to face higher car insurance rates once the state reinstates their license. Luckily, USAA offers relatively low rates in Albuquerque. Drivers in USAA’s SafePilot program can earn an even lower rate if they drive safely.
USAA has years of industry experience and earns high marks in customer satisfaction from J.D. Power. Drivers should note that USAA policies are only available to active-duty, reserve, and retired military members and their families.
Pros
Best-in-class customer satisfaction scores
Several discounts that reward safe driving and good grades
Some of the lowest rates in Albuquerque
Cons
Only available to military members, veterans, and their families
Above-average amount of customer complaints to the NAIC
Rideshare coverage not available
Best insurer for teen drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $87/mo |
4.0
Best choiceBased on 11,420 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,246)
Joel
April 16, 2025
Verified Review
Best rates out there
Excellent.
Juan
April 16, 2025
Verified Review
Excellent
Very good.
Paul
April 16, 2025
Verified Review
Price
It's good, but the price is increasing every year and it's not worth it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Albuquerque teens age 15 and older can apply for an instructional permit. Teen drivers statistically get into a larger number of accidents, which is why they tend to pay higher car insurance rates on average. Luckily, GEICO offers several discounts to young drivers.
GEICO already offers some of the most affordable auto insurance in Albuquerque. Teen drivers can save up to 15% when they maintain a “B” average or better in school.
Pros
AM Best financial strength rating of A++ (Superior)
DriveEasy telematics program rewards safe driving
Above-average J.D. Power claims satisfaction rating
Cons
Below-average J.D. Power customer satisfaction score in the Southwest region
Mixed customer reviews on BBB website
Above-average amount of customer complaints to the NAIC
How to get the cheapest car insurance in Albuquerque
Drivers in Albuquerque pay car insurance rates that exceed the state average. Fortunately, drivers can save on their auto insurance policy with the following strategies:
Pick the right vehicle. Newer and more expensive vehicles often come with higher insurance rates. Choose a safer car, like a sedan over a sports car, if you’re looking for the cheapest rate.
Choose a higher deductible. A deductible refers to the amount you pay out of pocket on a claim before your insurance kicks in. Drivers with higher deductibles generally pay lower monthly rates.
Look for discounts. Car insurance companies like to reward drivers for safe driving, investing in safety features, and bundling their car insurance with other insurance products from the same company.
Shop around. Car insurance prices vary by company. Receiving quotes from three or more auto insurance companies and comparing them side by side is the best way to find a low rate.
Cheapest liability-only car insurance in Albuquerque: State Farm
If you cause an accident, liability auto insurance covers medical bills and vehicle repair costs for the other driver and their passengers. It doesn’t provide any coverage for your vehicle damage or bodily injury. Liability-only insurance with minimum limits is the cheapest coverage option, but it often doesn’t provide sufficient coverage.[3]
The average cost of liability insurance for Albuquerque drivers is $84 per month, according to Insurify data. Here are the cheapest liability coverage options available in Albuquerque.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 |
|---|---|
| State Farm | $37 |
| USAA | $44 |
| GEICO | $46 |
| The General | $67 |
| National General | $67 |
| Allstate | $73 |
| Root | $75 |
| Progressive | $79 |
| Farmers | $87 |
| Nationwide | $89 |
| Dairyland | $91 |
| Safeco | $94 |
| Bristol West | $94 |
| GAINSCO | $105 |
| Foremost | $116 |
| Direct Auto | $123 |
| Liberty Mutual | $168 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Albuquerque: State Farm
Full-coverage car insurance includes liability, collision, and comprehensive coverage. Collision insurance covers the cost of repairs to your own car after an accident, while a comprehensive policy covers repair costs after damage from non-collision events, like theft or severe weather.[4]
Because it provides more protection than liability-only coverage, a full-coverage policy may make sense for drivers of new, high-value, or financed vehicles. It can also make sense if you're unable to cover potentially high out-of-pocket expenses.
The average cost of full-coverage insurance is higher than liability-only coverage. Full-coverage car insurance costs a monthly average of $182 in Albuquerque. The insurers below offer some of the best rates for full-coverage insurance.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 |
|---|---|
| State Farm | $71 |
| USAA | $84 |
| GEICO | $87 |
| Root | $132 |
| Allstate | $139 |
| Progressive | $149 |
| Farmers | $167 |
| National General | $167 |
| Nationwide | $169 |
| Safeco | $176 |
| The General | $182 |
| Direct Auto | $193 |
| Dairyland | $235 |
| Liberty Mutual | $266 |
| Bristol West | $269 |
| GAINSCO | $274 |
| Foremost | $370 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Albuquerque, New Mexico
Drivers in and around Albuquerque, New Mexico have found policies from GEICO, Liberty Mutual, Safeco, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Albuquerque, New Mexico within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. 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 April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New Mexico
Drivers in New Mexico must carry a minimum amount of liability insurance to drive legally in the state, including bodily injury and property damage liability. New Mexico is an at-fault state, which means the at-fault driver’s liability insurance will cover the other driver’s repair costs and medical costs in the event of an accident.
You can find New Mexico’s specific minimum liability insurance requirements below.[5]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $10,000 per accident |
New Mexico drivers can choose the following optional coverages for some added protection:
Collision coverage
If you have an accident with another vehicle or object, collision coverage pays for damages to your vehicle, regardless of fault.
Comprehensive coverage
If a non-collision event — such as theft, vandalism, fire, or severe weather — damages your vehicle, comprehensive coverage kicks in.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you have an accident with someone who doesn’t have any or enough insurance to cover your damages.
Cheapest car insurance for drivers with an incident
Your car insurance rates will likely increase if you have a traffic violation, which includes speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Car insurance companies will see you as more likely to file future claims, so they charge more to offset this risk.[6]
How much your car insurance rates increase in Albuquerque will vary based on the company you purchase a policy from and the severity of your violation. It usually takes a few years of safe driving to bring your rates back down after they increase due to an incident.
Find Car Insurance in Albuquerque
Minimum-coverage policies start at $37/mo. for drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Albuquerque has automated speed-enforcement zones, which use speed cameras to penalize drivers who exceed the speed limit. Speeding citations from these automated areas can come with a fine of up to $100. People in Albuquerque with speeding tickets on their driving record also tend to pay a bit more for car insurance than people with a clean record.[7]
A speeding ticket pushes the average cost of full coverage in Albuquerque to $271 per month, and liability-only coverage to $125. Here are the cheapest car insurance companies for liability coverage in Albuquerque if you have a speeding ticket in your driving history.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Clean Record | With Ticket |
|---|---|---|
| State Farm | $37 | $49 |
| USAA | $44 | $59 |
| GEICO | $46 | $62 |
| The General | $67 | $94 |
| National General | $67 | $90 |
| Allstate | $73 | $98 |
| Root | $75 | $110 |
| Progressive | $79 | $107 |
| Farmers | $87 | $117 |
| Nationwide | $89 | $121 |
| Dairyland | $91 | $122 |
| Safeco | $94 | $130 |
| Bristol West | $94 | $128 |
| GAINSCO | $105 | $150 |
| Direct Auto | $123 | $167 |
| Liberty Mutual | $168 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Drivers in Albuquerque with an at-fault accident on their record pay more on average for car insurance than drivers with a clean record. The severity of the accident and the extent of the claims payout can also influence how much your premium increases. If you have multiple accidents, your insurance company may even choose not to renew your policy.[8]
The average monthly cost of car insurance is $276 for full coverage and $127 for liability for Albuquerque drivers with an at-fault accident on their records. Here's how an accident affects liability-only quotes from some top insurers in Albuquerque.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Clean Record | With Accident |
|---|---|---|
| State Farm | $37 | $51 |
| USAA | $44 | $61 |
| GEICO | $46 | $64 |
| The General | $67 | $96 |
| National General | $67 | $92 |
| Allstate | $73 | $102 |
| Root | $75 | $113 |
| Progressive | $79 | $112 |
| Farmers | $87 | $121 |
| Nationwide | $89 | $125 |
| Dairyland | $91 | $126 |
| Safeco | $94 | $136 |
| Bristol West | $94 | $131 |
| GAINSCO | $105 | $141 |
| Direct Auto | $123 | $175 |
| Liberty Mutual | $168 | $247 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is one of the most severe traffic violations you can receive. New Mexico drivers who drive under the influence will lose their license for six months after a first offense, and up to a year after a second offense. New Mexico law states that any DUI conviction will stay on a driver’s record for up to 55 years. Your insurance rates will also increase significantly following a DUI.[9]
Albuquerque drivers with DUIs see average monthly rates of $313 for full coverage and $144 for minimum coverage policies. Here are the cheapest car insurance options in Albuquerque for drivers with a DUI.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Clean Record | With DUI |
|---|---|---|
| State Farm | $37 | $62 |
| USAA | $44 | $73 |
| GEICO | $46 | $77 |
| The General | $67 | $112 |
| National General | $67 | $112 |
| Allstate | $73 | $122 |
| Root | $75 | $115 |
| Progressive | $79 | $132 |
| Farmers | $87 | $145 |
| Nationwide | $89 | $148 |
| Dairyland | $91 | $152 |
| Safeco | $94 | $154 |
| Bristol West | $94 | $157 |
| GAINSCO | $105 | $175 |
| Direct Auto | $123 | $205 |
| Liberty Mutual | $168 | $280 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
In Albuquerque, 15% of the population is over the age of 65, which is lower than New Mexico’s overall proportion of 65+ residents (19%).[10] Your age can affect how much you pay for car insurance. While young people pay the most for car insurance, rates can also increase a bit for senior drivers. Drivers older than 75 may face increased rates due to aging-related risks.
On average, car insurance costs Albuquerque seniors $136 per month for full coverage and $63 for liability only. Senior drivers looking for cheap car insurance rates should consider the following companies.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $27 | $52 |
| USAA | $33 | $63 |
| GEICO | $35 | $65 |
| National General | $48 | $120 |
| The General | $51 | $138 |
| Progressive | $53 | $100 |
| Allstate | $55 | $105 |
| Root | $61 | $108 |
| Nationwide | $63 | $119 |
| Farmers | $64 | $123 |
| Dairyland | $69 | $179 |
| Bristol West | $72 | $205 |
| Safeco | $77 | $144 |
| GAINSCO | $83 | $216 |
| Direct Auto | $90 | $141 |
| Liberty Mutual | $132 | $209 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers are nearly three times more likely to get in a fatal crash than drivers older than 20, Centers for Disease Control and Prevention (CDC) data shows.[11] Due to their lack of driving experience, teens are risky to insure, which is why car insurance companies tend to charge them higher rates. In Albuquerque, teens typically pay more for car insurance than any other age group.
Teen drivers can save by joining their parents’ existing car insurance policy, purchasing a safe vehicle, and earning a good student discount. The average cost of car insurance for teen drivers in Albuquerque is $362 for full coverage and $167 for minimum coverage.
Here are the cheapest companies for teen drivers in Albuquerque.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $71 | $136 |
| USAA | $82 | $157 |
| GEICO | $83 | $156 |
| The General | $117 | $318 |
| Root | $125 | $220 |
| National General | $141 | $352 |
| Allstate | $145 | $277 |
| Progressive | $151 | $285 |
| Dairyland | $158 | $408 |
| Farmers | $168 | $322 |
| Nationwide | $174 | $330 |
| Bristol West | $174 | $498 |
| Safeco | $198 | $371 |
| GAINSCO | $199 | $519 |
| Direct Auto | $248 | $389 |
| Liberty Mutual | $312 | $494 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Albuquerque car insurance quotes by credit tier
New Mexico doesn’t allow car insurance companies to use a lack of credit history as a factor in setting car insurance premiums. But if you do have a credit history, car insurance companies may look at your credit score as one factor influencing your rates. Drivers in Albuquerque with excellent or good credit scores typically pay less than those with poor credit scores.
Here are the average full-coverage car insurance rates for Albuquerque drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Albuquerque?
Drivers in Albuquerque pay $182 per month for full-coverage car insurance, which is higher than the full-coverage national average of $196. Albuquerque’s rates are also higher than the New Mexico state average. Rates vary by city and ZIP code based on a variety of factors, including property values, crime rates, and weather patterns.
More cities in New Mexico
Car insurance rates can vary significantly even within a state. On average, Albuquerque drivers pay $182 per month for full-coverage insurance and $84 for liability-only. Here’s how Albuquerque’s average monthly insurance rates compare to other major cities in the state.
City | Full Coverage | Liability Only |
|---|---|---|
| Clovis | $142 | $56 |
| Farmington | $121 | $54 |
| Hobbs | $175 | $68 |
| Las Cruces | $144 | $67 |
| Rio Rancho | $165 | $77 |
| Roswell | $150 | $62 |
| Santa Fe | $154 | $69 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Albuquerque car insurance FAQs
Before you select the best insurer, determine how much coverage you need. The information below should help you navigate the process of finding cheap coverage in Albuquerque, New Mexico.
How much is car insurance in Albuquerque?
The overall average cost of car insurance in Albuquerque is $133 per month. On average, drivers pay $182 per month for full-coverage insurance and $84 per month for liability coverage. Your specific coverage will depend on your driving record, coverage needs, age, credit history, and more.
What are the cheapest car insurance companies in Albuquerque?
State Farm has the cheapest car insurance for Albuquerque drivers, with liability-only rates starting at $37 per month. USAA and GEICO are the second- and third-cheapest insurers in the city, with liability rates as low as $44 and $46, respectively.
What are the best car insurance companies in Albuquerque?
State Farm is the best car insurance company in Albuquerque, with an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior). Other top insurers include GEICO and USAA.
How do you register a car in New Mexico?
To register a vehicle in New Mexico, you need to bring documents — including a manufacturer’s certificate of origin, purchase agreement or dealer’s invoice, and an odometer statement — to a Motor Vehicle Department location. You also need to bring proof of insurance and pay a registration fee.[12]
What is the minimum auto insurance coverage in New Mexico?
New Mexico drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $10,000 per accident in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- New Mexico Department of Transportation. "New Mexico Traffic Crash Annual Report 2021."
- NOLO. "New Mexico First-Offense DUI."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- New Mexico Motor Vehicle Department. "Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- City of Albuquerque. "Automated Speed Enforcement."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- New Mexico Motor Vehicle Department. "DWI Information."
- United States Census Bureau. "QuickFacts New Mexico; Albuquerque city, New Mexico."
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
- New Mexico Department of Motor Vehicles. "Register Your Vehicle."
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
A.M. has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ 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.
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.