Cheap Auto Insurance Quotes in Farmington, NM (January 2022)

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Last Updated: January 2022

While it’s possible to complete errands on foot or bus in Farmington, most people rely on their cars to get to work. It’s important for Farmington residents to get a car insurance policy in order to drive legally and protect their assets.

Car Insurance in Farmington, 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 Farmington, NM to find you the cheapest quotes in the area.
ProgressiveState FarmAllstateTravelersNationwide

Cheapest Car Insurance in Farmington, NM

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

New MexicoAlbuquerqueLas CrucesRio RanchoSanta FeFarmington
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Farmington, 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.

Farmington Car Insurance Rates by Driver Age

Drivers interested in low car insurance rates love living in Farmington, as the most expensive premiums there are very affordable. Individuals under the age of 20 pay a mere $152 on average, and these rates tend to stay about the same until age 30. Farmington drivers in their 70s enjoy the lowest prices of all, with rates averaging around $83. For the most part, prices continue to decline, except for a slight increase for those in their 50s.

Driving History
No Violation$125
Speeding Ticket$107
At-Fault Accident$102
Failure to Stop for Red Light / Stop Sign$98

Farmington Car Insurance Rates by Driving and Accident History

Tarnishing a clean driving record might seem like it would lead to a huge expense, but in Farmington, drivers aren’t hit with super high price increases should an incident occur. Those with no violations to their name pay around $124 for coverage. An at-fault accident will bring rates to roughly $101, and failing to stop at an intersection often changes premiums to $97.

Farmington Car Insurance Rates by Credit Tier

If you’re hoping to save money on your car insurance costs, improving your credit score surprisingly won’t have much of an effect. Those in the bottom two tiers of credit, poor and average, pay $120 and $113, respectively, for their insurance. As you increase your credit to the good category, your rate will change to an average of $129. Motorists with excellent credit save the most, with prices that hover around the $100 mark.

Farmington, NM DMV Information

When it comes time to register your vehicle, the MVD field office in Farmington can meet your needs. Many services can also be accessed online. Keep in mind you’ll need proof of insurance to register your vehicle, but it’s possible to get coverage quickly with Insurify. You’ll just need to enter your information one time, and you can find the lowest possible premium and apply for a policy in minutes.

Public Transportation in Farmington, NM

Red Apple Transit provides some fixed-route buses, but only about 0.2 percent of workers use the system to commute. About 83 percent of Farmington workers drive alone to work, and an additional 12 percent carpool, commuting an average of 18 minutes to get there. Lyft operates in Farmington along with two taxi services, so you have options if your car is out of commission. But ultimately, your best option for transportation is to drive a car and maintain an active insurance policy.

Find local Farmington agents

Walker Agency LLC, The 
1501 San Juan Blvd, Ste 201, Farmington, NM 87401
Zenity Insurance, LLC 
3832 E. Main St. Suite E, Farmington, NM 87402
George Gandy Insurance, LLC 
403 W. Main St., Farmington, NM 87401
Arrow Agency 
200 North Allen Avenue, Farmington, NM 87401-6213
Mountain West Insurance & Financial Services 
2890 Pinon Frontage Rd, Farmington, NM 87402
Kysar Millennium Leavitt Insurance Agency 
300 West Arrington Suite 100, Farmington, NM 87401-8432
Woods Insurance Service, Inc. 
4801 N Butler Ave #12101, Farmington, NM 87401
Auto Insurance Plus, LLC.
1703 W Main St, Farmington, NM 87401
Acceptance Insurance
4917 E Main St Ste E, Farmington, NM 87402
Affordable Insurance
560 E Main St #104, Farmington, NM 87401

Insurify Insights: How Farmington Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Farmington, NM
suspended licenses
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 Farmington 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 in Farmington

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. Farmington drivers rank 11 in the number of car accidents per driver across all cities in New Mexico.

  • Rank within state: #11
  • Percent of drivers in Farmington with an accident: 3.17%
  • Drivers in Farmington, NM with an accident in their driving history paid on average 33.66% more than drivers with a clean record

Speeding in Farmington

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Farmington drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Farmington with a speeding ticket: 10.79%
  • Drivers in Farmington, NM with a speeding ticket in their driving history paid on average 23.76% more than drivers with a clean record

DUI/DWIs in Farmington

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Farmington drivers rank 1 in the number of DUI’s per driver across all cities in New Mexico.

  • Rank within state: #1
  • Percent of drivers in Farmington with a DUI: 3.81%
  • Drivers in Farmington, NM with a DUI in their driving history paid on average 11.88% more than drivers with a clean record

Most Popular Vehicle in Farmington

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

How to get the best and cheapest car insurance in Farmington, NM

If you’re caught driving without insurance in New Mexico, you’ll face a $300 fine and up to 90 days in jail. But that’s nothing compared to what you could owe if you caused a car accident while uninsured.

If you want to stay safe and legal on the road in Farmington, you’ll need a car insurance policy. While shopping for car insurance used to require significant time and effort, Insurify’s artificial intelligence technology makes it easy to get the best premium for the coverage you need. You’ll just need to answer a few questions to get started.

FAQs - Farmington, NM Car Insurance

How much does car insurance in Farmington cost?

Car insurance in Farmington is very affordable, costing an average of $83 per month. That’s lower than the state average and only about one third of the national average cost. What’s more, some insurance providers in Farmington may be able to offer premiums as low as $27 per month to drivers with a clean record.

Will my credit score impact my premium in Farmington?

In most cases, yes. Most insurers use credit score information to determine your premium, and in New Mexico, having no credit can mean up to 79 percent higher premiums when compared to policyholders with excellent credit. However, every insurer weighs your information differently, and it’s still possible to get an affordable rate if you compare customized quotes. You can use Insurify to compare rates from up to 20 providers in one place.

What are the minimum requirements for car insurance in New Mexico?

In New Mexico, you must carry a minimum of: $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist coverage These minimum requirements won’t cover any damages to your vehicle in an accident you cause, so you may want to consider purchasing full coverage if you need your car to get to work. You’ll also likely need full coverage if you have a loan or a lease.


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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