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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.
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.
| Cheapest Companies | |
|---|---|
 Progressive | $32/mo |
 State Farm | $57/mo |
 Travelers | $116/mo |
 Nationwide | $117/mo |
 The General | $135/mo |
New Mexico Cities | |
|---|---|
| Albuquerque | $131/mo |
| Las Cruces | $77/mo |
| Rio Rancho | $119/mo |
| Roswell | $103/mo |
| Santa Fe | $99/mo |
| New Mexico | $106/mo |
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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.
The minimum bodily injury liability insurance requirements in New Mexico are:
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
