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

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Last Updated: January 2022

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.

Car Insurance in Roswell, 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 Roswell, NM to find you the cheapest quotes in the area.
$28
$52
$102
$110
$128
ProgressiveState FarmTravelersNationwideAmerican Family

Cheapest Car Insurance in Roswell, 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!

Best Car Insurance in Roswell, NM

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Roswell. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$106
$131
$77
$119
$99
$103
New MexicoAlbuquerqueLas CrucesRio RanchoSanta FeRoswell
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Roswell, 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.

Roswell Car Insurance Rates by Driver Age

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.

Driving History
No Violation$150
Speeding Ticket$226
At-Fault Accident$244
Failure to Stop for Red Light / Stop Sign$249

Roswell Car Insurance Rates by Driving and Accident History

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.

Roswell Car Insurance Rates by Credit Tier

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.

Roswell, NM DMV Information

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.

Public Transportation in Roswell, NM

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.

Find local Roswell agents

George Gandy Insurance, LLC 
2415 N Main Street #A, Roswell, NM 88201-6454
Lopez Insurance & Financial Services, LLC 
704 W Hobbs Street, Roswell, NM 88203
J S Ward & Son, Inc. 
110 West College Blvd. Suite G, Roswell, NM 88201
Swickard Agency, Inc. 
400 North Pennsylvania #600, Roswell, NM 88201-4665
Taylor & Associates Insurance & Financial Services 
613 West 2nd Street Suite 55, Roswell, NM 88201
Meridian Insurance Services 
3301 N Main St, Roswell, NM 88201
Hunton Insurance Agency
2708 1/2 N Main Street, Suite 7, Roswell, NM 88201
Fred Loya Insurance
2601 N Main St # B, Roswell, NM 88201
Roma Insurance
1904 S Main St, Roswell, NM 88203
Hunton Insurance Agency
2710 N Main St, Roswell, NM 88201

Insurify Insights: How Roswell Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Roswell, NM
suspended licenses
#1
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 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.

Accidents in Roswell

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.

  • Rank within state: #5
  • Percent of drivers in Roswell with an accident: 7.33%
  • Drivers in Roswell, NM with an accident in their driving history paid on average 53.54% more than drivers with a clean record

Speeding in Roswell

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.

  • Rank within state: #9
  • Percent of drivers in Roswell with a speeding ticket: 9.54%
  • Drivers in Roswell, NM with a speeding ticket in their driving history paid on average 36.22% more than drivers with a clean record

DUI/DWIs in Roswell

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.

  • Rank within state: #5
  • Percent of drivers in Roswell with a DUI: 2.2%
  • Drivers in Roswell, NM with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Roswell

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.

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

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.


FAQs - Roswell, NM Car Insurance

What is the minimum amount of car insurance needed in Roswell?

New Mexico requires drivers to carry a range of policy features, including bodily injury, property damage, and uninsured/underinsured motorist bodily injury coverage. Other types of protection are available and may be appropriate based on your driving habits.

Do people drive in Roswell without auto insurance?

Although it’s illegal to drive in Roswell without car insurance, some reports claim that just over 20 percent of all drivers in New Mexico do not have insurance. This is just one of many factors that contribute to the higher-than-average rates that residents pay for their policies.

Where do I find the cheapest car insurance in Roswell?

Purchasing a minimum coverage plan won’t cost you much when you visit Insurify. After answering a few simple questions, you’ll be able to compare quotes from multiple companies at once and can determine which policy best meets your needs.

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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