Alien lovers flock to Roswell during all times of the year, turning this small city into a bustling hub of people. Surface streets are arranged in a grid, yet with no major freeways traversing the city, a minor car accident can clog roadways easily. Driving in Roswell can bring unexpected challenges, including hot temperatures in the summer and snow in the winter, making it imperative for residents to enroll in robust car insurance coverage.
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The state of New Mexico requires all motor vehicle operators to have proof of insurance available in the car at all times.
When viewed by age group, insurance rates for Roswell drivers follow a predictable pattern. More-seasoned drivers pay less to be on the road because they represent less risk than younger motorists. While someone in their 40s pays an average of $106 in insurance premiums, teen drivers pay more than triple that amount, at $369. Senior drivers can also carry increased risk as they age. Roswell motorists in their 60s pay nearly twice as much for insurance as someone 10 years younger.
|Failure to Stop for Red Light / Stop Sign||$249|
Insurance companies look at your driving record as an indicator of risk. While good drivers get more favorable rates, drivers with violations should expect to pay more. Why? Poor driving behavior indicates an increased likelihood of filing a future claim. In Roswell, those whose driving records are pristine pay an average of $149 in insurance premiums per month. On the other hand, drivers who have been written up for speeding, causing an accident, or running a light pay $225, $243, and $248, respectively, to remain insured on the road.
Credit-based insurance scores are one insurance rating variable used to determine individual premiums in Roswell. Similar to other variables like age or marital status, statistics demonstrate the relationship between a driver’s credit-based insurance score and their claims risk. Do you manage your money well? If so, you’re likely to pay less for your auto policy than those who don’t. Those with an excellent credit record in Roswell can expect to pay 21 percent less in car insurance premiums than drivers whose records are poor.
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The New Mexico Motor Vehicle Division operates one office in Roswell. Located in the northern part of the city, the location is open Monday through Friday from 8 a.m. to 4 p.m. While most residents don’t necessarily claim that wait times are long here, there are a number of complaints about the quality of service provided at this office.
Given that so many people visit Roswell to indulge in their love for UFOs, it’s surprising how limited the public transportation options are here. The city operates a public bus system with just three routes: one that heads north from downtown, one that drives south, and one that runs horizontally through the area. If you need reliable transportation outside of the bus route’s service area, contacting Uber or Lyft is your best bet.
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 Roswell 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.
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. Roswell drivers rank 5 in the number of car accidents per driver across all cities in New Mexico.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Roswell drivers rank 9 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Roswell drivers rank 5 in the number of DUI’s per driver across all cities in New Mexico.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Roswell is the Ford F-Series Pickup.
While the people of Roswell may believe in extraterrestrial life, not all of them believe in purchasing car insurance. If you choose to drive in this city, it’s imperative that you have robust coverage in the event of an accident. This part of the nation may not be the easiest to navigate due to its sprawling nature, but at least you won’t have to fight with millions of cars on the road.
Whether you’ve just moved to Roswell or you’re a long-time resident, take some time to consider if your insurance policy offers everything you need. Insurify can help by comparing quotes from multiple insurance carriers within a matter of minutes, showing you the easiest ways to save on your premiums.
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.