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

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Farmington is $119 per month, or $1428 annually.
  • Car insurance in Farmington is $37 less than the average cost of car insurance in New Mexico.
  • The cheapest car insurance provider in Farmington on average is GAINSCO, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm

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!
Insurance Provider in FarmingtonQuotes
Progressive$27 /mo
State Farm$46 /mo
Allstate$80 /mo
Travelers$95 /mo
Nationwide$103 /mo

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Average Car Insurance Cost

New Mexico Cities
Las Cruces$77/mo
Rio Rancho$119/mo
Santa Fe$99/mo
New Mexico$102/mo
Las Cruces
Santa Fe
Average for NM
Rio Rancho
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New Mexico

All motor vehicles operated or parked on New Mexico roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in New Mexico[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Mexico is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

Driver's AgeAvg. Monthly Cost

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.

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

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.

Credit TierAvg. Monthly Cost

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
View more

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.

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

  • 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.
  • 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.
  • 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.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Insurify Insights

How Farmington Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Farmington, New Mexico below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Farmington drivers measure up to their fellow motorists across New Mexico in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Chevrolet Malibu

Most Popular Car in Farmington


City with the Most Speeding Tickets Rank in New Mexico


City with the Most Moving Violations Rank in New Mexico


City with the Most DUIs Rank in New Mexico


City with the Most Suspended Licenses in New Mexico

  • 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 pay on average 33.66% more than drivers with a clean record
  • 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 pay on average 23.76% more than drivers with a clean record
  • 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 pay on average 11.88% more than drivers with a clean record
  • 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 Chevrolet Malibu.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn

Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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  1. New Mexico Motor Vehicle Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022