Compare Bernalillo, NM Car Insurance Rates (2021)

Car insurance in Bernalillo, NM averages $318 a month. Bernalillo, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Bernalillo car insurance rates, compare quotes from the top car insurance companies in Bernalillo, NM.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Bernalillo, NM are $3,814/year
  • The cheapest car insurance company in Bernalillo for teen drivers is USAA
  • Average car insurance rates in Bernalillo, NM after a DUI are $4,909/year

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

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

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

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

How do age, gender, and marital status affect Bernalillo, NM car insurance rates? Every Bernalillo, 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 Bernalillo, 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 $2,635 $2,622 $2,434 $2,557 $9,288 $10,804 $2,886 $3,036
Farmers $2,778 $2,764 $2,484 $2,654 $11,420 $11,734 $3,120 $3,210
GEICO $3,195 $3,283 $3,007 $3,007 $9,224 $12,627 $3,363 $3,383
Nationwide $2,602 $2,640 $2,365 $2,477 $6,381 $8,032 $2,947 $3,153
Progressive $1,693 $1,628 $1,548 $1,547 $7,243 $8,154 $2,044 $2,101
State Farm $1,580 $1,580 $1,446 $1,446 $4,318 $5,423 $1,768 $1,938
USAA $1,644 $1,627 $1,573 $1,561 $4,408 $4,978 $2,039 $2,178

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Minimum Car Insurance in Bernalillo, NM

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

Minimum Required Car Insurance Coverage in Bernalillo, 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 Bernalillo, NM Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $5,275 $4,351 $3,973
Farmers $5,753 $4,772 $4,537
GEICO $5,759 $5,013 $4,638
Nationwide $4,674 $3,642 $3,159
Progressive $3,542 $3,177 $3,016
State Farm $3,467 $2,144 $1,701
USAA $3,127 $2,344 $2,032

Cheapest Bernalillo, 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 Bernalillo, NM to rates for a clean record with top companies.

Annual Bernalillo, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,693 $4,942 $5,307 $4,190
Farmers $4,241 $5,468 $5,339 $5,035
GEICO $3,031 $4,859 $9,625 $3,031
Nationwide $2,860 $4,015 $5,183 $3,240
Progressive $2,801 $3,856 $3,017 $3,305
State Farm $2,286 $2,488 $2,488 $2,488
USAA $1,853 $2,588 $3,403 $2,161

Cheapest Bernalillo, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,288 $10,804
Farmers $11,420 $11,734
GEICO $9,224 $12,627
Nationwide $6,381 $8,032
Progressive $7,243 $8,154
State Farm $4,318 $5,423
USAA $4,408 $4,978

Cheapest Bernalillo, NM Car Insurance for Seniors

Take a look at Bernalillo, 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 Bernalillo, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,434 $2,557
Farmers $2,484 $2,654
GEICO $3,007 $3,007
Nationwide $2,365 $2,477
Progressive $1,548 $1,547
State Farm $1,446 $1,446
USAA $1,573 $1,561

Cheapest Bernalillo, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,307
Farmers $5,339
GEICO $9,625
Nationwide $5,183
Progressive $3,017
State Farm $2,488
USAA $3,403

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Cheapest Bernalillo, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,533 $4,533
Farmers $5,021 $5,021
GEICO $5,057 $5,215
Nationwide $3,825 $3,825
Progressive $3,245 $3,245
State Farm $2,375 $2,499
USAA $2,426 $2,576

The Best Cheap Car Insurance Companies in Bernalillo, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,533
Farmers $5,021
GEICO $5,136
Nationwide $3,825
Progressive $3,245
State Farm $2,437
USAA $2,501

Category Winners: Cheapest Car Insurance in Bernalillo, New Mexico

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

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

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

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Cheapest Bernalillo, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,286 $4,522 $4,791
Farmers $4,567 $4,976 $5,519
GEICO $4,774 $5,124 $5,512
Nationwide $3,735 $3,797 $3,942
Progressive $3,071 $3,246 $3,417
State Farm $2,197 $2,446 $2,669
USAA $2,320 $2,514 $2,669

What affects car insurance rates in Bernalillo, New Mexico?

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

Car Theft in Bernalillo

High levels of vehicle theft can make car insurance more expensive. Bernalillo, NM car theft statistics from the FBI indicate 26 vehicle thefts a year.

Commute Time in Bernalillo

The more time you spend in your car the higher the risk of an accident. The average commute length in Bernalillo, NM is 31.9 minutes according to City-Data.

Compare Car Insurance Quotes in Bernalillo, NM

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

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