Cheap Auto Insurance Quotes in Carlsbad, NM (2021)

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Car Insurance in Carlsbad, 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 Carlsbad, NM to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$24
$52
$101
$110
$118
ProgressiveState FarmAllstateNationwideTravelers
Monthly $

Cheapest Car Insurance in Carlsbad, NM

Here are the cheapest carriers in Carlsbad 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

Quotes by Top Carriers
Quotes ($/mo)
$106
$131
$77
$119
$99
$105
New MexicoAlbuquerqueLas CrucesRio RanchoSanta FeCarlsbad
Monthly $

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Carlsbad, NM Driving Facts

new-mexico

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.

Find local Carlsbad agents

George Gandy Insurance, LLC 
710 North Canyon, Carlsbad, NM 88220-5818
J S Ward & Son, Inc. 
602 West Pierce, Carlsbad, NM 88220
HUB International Insurance Services 
313 N Canyon St, Carlsbad, NM 88220
Dunagan Associates, Inc. 
212 W Stevens St, Carlsbad, NM 88220-5837
Farmers Insurance - Richard Bradley
318 W Mermod St, Carlsbad, NM 88220
Shelby Hester: Allstate Insurance
1127 S Canal St, Carlsbad, NM 88220
Farmers Insurance - Roy Willis
312 N Canal St STE C, Carlsbad, NM 88220
Bonnie Ornelas - State Farm Insurance Agent
1002 W Pierce St, Carlsbad, NM 88220
Montgomery Insurance Agency
203 W Mermod St, Carlsbad, NM 88220
Tom McMullan - State Farm Insurance Agent
701 N Canal St B, Carlsbad, NM 88220

Insurify Insights: How Carlsbad Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Carlsbad, NM
suspended licenses
#7
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 Carlsbad 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 Carlsbad

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. Carlsbad drivers rank 6 in the number of car accidents per driver across all cities in New Mexico.

  • Rank within state: #6
  • Percent of drivers in Carlsbad with an accident: 7.17%
  • Drivers in Carlsbad, NM with an accident in their driving history paid on average 99.18% more than drivers with a clean record

Speeding Carlsbad

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Carlsbad drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Carlsbad with a speeding ticket: 14.95%
  • Drivers in Carlsbad, NM with a speeding ticket in their driving history paid on average 68.85% more than drivers with a clean record

DUI/DWIs Carlsbad

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Carlsbad drivers rank 2 in the number of DUI’s per driver across all cities in New Mexico.

  • Rank within state: #2
  • Percent of drivers in Carlsbad with a DUI: 3.12%
  • Drivers in Carlsbad, NM with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Carlsbad

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Carlsbad is the Ford F-Series Pickup.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.