Cheap Auto Insurance Quotes in Roswell, NM (2023)

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.

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• Cheap Car Insurance New Mexico

• Compare Car Insurance

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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in New Mexico

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.

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.

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• High-risk Car Insurance New Mexico

• DUI Car Insurance New Mexico

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.

See More: Bad Credit Car Insurance New Mexico

Find local Roswell agents

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.

For more detailed New Mexico city level guides, check out these below.

• Average Cost of Car Insurance Rates in New Mexico

• DUI Car Insurance Rates in New Mexico

• High-Risk Driver Car Insurance Rates in New Mexico

• New Mexico Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in New Mexico

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.