Cheap Auto Insurance Quotes in Santa Fe, NM (2021)

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Car Insurance in Santa Fe, 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 Santa Fe, NM to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$32
$57
$116
$117
$135
ProgressiveState FarmTravelersNationwideThe General
Monthly $

Cheapest Car Insurance in Santa Fe, NM

Here are the cheapest carriers in Santa Fe for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$106
$131
$77
$119
$103
$99
New MexicoAlbuquerqueLas CrucesRio RanchoRoswellSanta Fe
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Santa Fe, 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 Santa Fe agents

Blue Chip Insurance Agency, Inc. 
1040 Don Diego, Suite 1, Santa Fe, NM 87505
George Gandy Insurance, LLC 
1730 Cerrillos Rd , Santa Fe, NM 87505
George Gandy Insurance, LLC 
6417 Airport Road, Suite 101, Santa Fe, NM 87507
Ortega Insurance Services 
2019 Galisteo Street Suite C-2, Santa Fe, NM 87505
Rio Grande Insurance 
1231 S. St. Francis Drive, Suite A, Santa Fe, NM 87505
HUB International Insurance Services 
2905 Rodeo Park Drive East, Building 6, Suite 100, Santa Fe, NM 87505
Silas T Garcia Agency & Associates, LLC
1443 S. St. Francis Drive, Santa Fe, NM 87505
Arthur J. Gallagher RMS, Inc. 
400 Kiva Court, Santa Fe, NM 87505
Rio Grande Insurance Services of Santa Fe, Inc. 
1231 S. Saint Francis Drive Suite A, Santa Fe, NM 87505
Casita Insurance, Inc.
3600 Rodeo Lane Suite B-4, Santa Fe, NM 87507

Insurify Insights: How Santa Fe Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Santa Fe, NM
suspended licenses
#9
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 Santa Fe 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 Santa Fe

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. Santa Fe drivers rank 1 in the number of car accidents per driver across all cities in New Mexico.

  • Rank within state: #1
  • Percent of drivers in Santa Fe with an accident: 10.03%
  • Drivers in Santa Fe, NM with an accident in their driving history paid on average 30.47% more than drivers with a clean record

Speeding Santa Fe

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Santa Fe drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Santa Fe with a speeding ticket: 10.73%
  • Drivers in Santa Fe, NM with a speeding ticket in their driving history paid on average 16.41% more than drivers with a clean record

DUI/DWIs Santa Fe

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Santa Fe drivers rank 9 in the number of DUI’s per driver across all cities in New Mexico.

  • Rank within state: #9
  • Percent of drivers in Santa Fe with a DUI: 1.69%
  • Drivers in Santa Fe, NM with a DUI in their driving history paid on average 12.5% more than drivers with a clean record

Rude Santa Fe

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Mexico, Santa Fe drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Santa Fe with a reckless driving violation: 2.26%
  • Drivers in Santa Fe, NM with a reckless driving violation in their driving history paid on average 15.63% more than drivers with a clean record.

Safest Drivers Santa Fe

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Santa Fe drivers rank 3 in clean driving records across all cities in New Mexico.

  • Rank within state: #3
  • Percent of drivers in Santa Fe with clean record: 79.66%

Failure to Yield the Right of Way Santa Fe

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Santa Fe drivers rank 1 in failure to yield violations per driver across all cities in New Mexico.

  • Rank within state: #1
  • Percent of drivers in Santa Fe with a failure to yield violation: 0.71%
  • Drivers in Santa Fe, NM with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Santa Fe

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Mexico, Santa Fe drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Santa Fe with a reckless driving offense: --%

Most Popular Vehicle Santa Fe

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Santa Fe is the Ford F-Series Pickup.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.