Compare Alamogordo, NM Car Insurance Rates (2021)

Car insurance in Alamogordo, NM averages $246 a month. Alamogordo, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Alamogordo car insurance rates, compare quotes from the top car insurance companies in Alamogordo, NM.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Alamogordo for teen drivers is USAA
  • Average car insurance rates in Alamogordo, NM are $2,949/year
  • The cheapest car insurance company in Alamogordo is USAA

If you need to buy Alamogordo, New Mexico car insurance, the options can be confusing. Everything you need to know about car insurance in Alamogordo, NM is right here.

You’ll find Alamogordo car insurance rates, the cheapest Alamogordo, NM car insurance companies, and information on New Mexico car insurance laws. You can also compare Alamogordo, New Mexico car insurance rates to Gallup car insurance rates, Carlsbad car insurance rates, and Hobbs car insurance rates.

Ready to find affordable Alamogordo, NM car insurance today? Enter your ZIP code for fast, free Alamogordo car insurance quotes.

Cheapest Alamogordo, NM Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Alamogordo, NM car insurance rates? Every Alamogordo, New Mexico car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alamogordo, New Mexico

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,352 $2,368 $2,144 $2,257 $7,693 $8,879 $2,619 $2,778
Farmers $2,043 $2,035 $1,830 $1,951 $8,240 $8,466 $2,297 $2,372
GEICO $2,412 $2,478 $2,269 $2,269 $7,018 $9,580 $2,537 $2,540
Nationwide $1,974 $2,006 $1,799 $1,885 $4,704 $5,912 $2,222 $2,374
Progressive $1,333 $1,296 $1,209 $1,217 $5,237 $5,878 $1,602 $1,656
State Farm $1,295 $1,295 $1,178 $1,178 $3,514 $4,409 $1,448 $1,600
USAA $1,312 $1,300 $1,260 $1,253 $3,322 $3,737 $1,602 $1,706

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Minimum Car Insurance in Alamogordo, NM

Every driver must carry the minimum car insurance in Alamogordo, NM. Take a look at the New Mexico car insurance requirements.

Minimum Required Car Insurance Coverage in Alamogordo, New Mexico

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Alamogordo, NM Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Alamogordo, NM. Compare credit history car insurance rates in Alamogordo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Alamogordo, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,193 $3,470 $3,300
GEICO $4,357 $3,795 $3,512
Nationwide $3,495 $2,720 $2,363
Progressive $2,669 $2,374 $2,242
State Farm $2,835 $1,749 $1,385
USAA $2,413 $1,817 $1,580

Cheapest Alamogordo, NM Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Alamogordo, NM to rates for a clean record with top companies.

Annual Alamogordo, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,218 $4,496 $3,612
Farmers $3,088 $3,975 $3,882 $3,672
GEICO $2,295 $3,678 $7,283 $2,295
Nationwide $2,153 $3,001 $3,854 $2,431
Progressive $2,110 $2,854 $2,269 $2,481
State Farm $1,868 $2,030 $2,030 $2,030
USAA $1,435 $1,994 $2,648 $1,669

Cheapest Alamogordo, NM Car Insurance for Teen Drivers

Teen car insurance in Alamogordo, NM can be expensive. Take a look at rates from the top car insurance companies in Alamogordo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Alamogordo, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $8,240 $8,466
GEICO $7,018 $9,580
Nationwide $4,704 $5,912
Progressive $5,237 $5,878
State Farm $3,514 $4,409
USAA $3,322 $3,737

Cheapest Alamogordo, NM Car Insurance for Seniors

Take a look at Alamogordo, NM senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Alamogordo, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $1,830 $1,951
GEICO $2,269 $2,269
Nationwide $1,799 $1,885
Progressive $1,209 $1,217
State Farm $1,178 $1,178
USAA $1,260 $1,253

Cheapest Alamogordo, NM Car Insurance Rates After a DUI

A DUI in Alamogordo, NM increases car insurance rates. Compare Alamogordo, New Mexico DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Alamogordo, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,496
Farmers $3,882
GEICO $7,283
Nationwide $3,854
Progressive $2,269
State Farm $2,030
USAA $2,648

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Cheapest Alamogordo, NM Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Alamogordo, NM by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Alamogordo, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $3,654 $3,654
GEICO $3,828 $3,948
Nationwide $2,859 $2,859
Progressive $2,428 $2,428
State Farm $1,940 $2,039
USAA $1,879 $1,994

The Best Cheap Car Insurance Companies in Alamogordo, NM

Take a look at a side-by-side comparison of the top car insurance companies in Alamogordo, NM to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Alamogordo, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $3,654
GEICO $3,888
Nationwide $2,859
Progressive $2,428
State Farm $1,990
USAA $1,937

Category Winners: Cheapest Car Insurance in Alamogordo, New Mexico

Find the cheapest car insurance companies in Alamogordo, NM for each category right here.

Best Annual Car Insurance Rates by Company in Alamogordo, New Mexico

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Alamogordo, NM Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Alamogordo car insurance rates. Find the cheapest Alamogordo, NM car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Alamogordo, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,338 $3,622 $4,002
GEICO $3,606 $3,879 $4,179
Nationwide $2,801 $2,830 $2,947
Progressive $2,314 $2,426 $2,545
State Farm $1,812 $1,996 $2,161
USAA $1,786 $1,946 $2,078

What affects car insurance rates in Alamogordo, New Mexico?

What factors can have an impact on Alamogordo, NM car insurance? There are several reasons why Alamogordo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alamogordo, New Mexico.

Car Theft in Alamogordo

High levels of vehicle theft can make car insurance more expensive. Alamogordo, NM car theft statistics from the FBI indicate 75 vehicle thefts a year.

Commute Time in Alamogordo

The more time you spend in your car the higher the risk of an accident. The average commute length in Alamogordo, NM is 16.2 minutes according to City-Data.

Compare Car Insurance Quotes in Alamogordo, NM

Ready to find affordable Alamogordo, New Mexico car insurance today? Enter your ZIP code for fast, free Alamogordo, NM car insurance quotes.

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