Cheap Auto Insurance Quotes in Los Alamos, NM (January 2022)

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Last Updated: January 2022

Car Insurance in Los Alamos, 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 Los Alamos, NM to find you the cheapest quotes in the area.
$43
$68
$87
$105
$111
State FarmProgressiveAllstateTravelersNationwide

Cheapest Car Insurance in Los Alamos, 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

$103
$131
$77
$119
$99
$89
New MexicoAlbuquerqueLas CrucesRio RanchoSanta FeLos Alamos
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Los Alamos, 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 Los Alamos agents

The Jemez Agency 
2610 Trinity Dr. #6, Los Alamos, NM 87544
Jemez Agency, The 
2610 Trinity Drive, Los Alamos, NM 87544
ADV Insurance Agency
1475 Central Ave Suite 150, Los Alamos, NM 87544
Farmers Insurance - Bernadette Naranjo 
935 Central Ave Ste A, Los Alamos, NM 87544
Loren Valdez - State Farm Insurance Agent
1350 Central Ave Ste 100, Los Alamos, NM 87544,
Farmers Insurance - Kathy Steck
1362A Trinity Dr, Los Alamos, NM 87544
Alicia Estrada Farmers Insurance-Los Alamos
134 NM-4, Los Alamos, NM 87544
Melnick Insurance
919 Central Ave, Los Alamos, NM 87544
Lou Santoro - State Farm Insurance Agent
110 Central Park Square, Los Alamos, NM 87544

Insurify Insights: How Los Alamos Drivers Measure Up

subaru
Subaru Forester
Most Popular Car in
Los Alamos, 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 Los Alamos 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.

Most Popular Vehicle in Los Alamos

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Los Alamos is the Subaru Forester.

DUI/DWIs in Los Alamos

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

  • Rank within state: #--
  • Percent of drivers in Los Alamos with a DUI: {{percentDrivers}}%
  • Drivers in Los Alamos, NM with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Los Alamos

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

  • Rank within state: #--
  • Percent of drivers in Los Alamos with a speeding ticket: {{percentDrivers}}%
  • Drivers in Los Alamos, NM with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

Methodology

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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