Compare Carlsbad, NM Car Insurance Rates (2021)

Car insurance in Carlsbad, NM averages $294 a month. Carlsbad, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Carlsbad car insurance rates, compare quotes from the top car insurance companies in Carlsbad, 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 Carlsbad, NM are $3,532/year
  • The cheapest car insurance company in Carlsbad for teen drivers is USAA
  • The cheapest car insurance company in Carlsbad is USAA

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

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

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

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

How do age, gender, and marital status affect Carlsbad, NM car insurance rates? Every Carlsbad, 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 Carlsbad, 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 $2,629 $2,670 $2,362 $2,495 $8,143 $9,314 $2,978 $3,173
Farmers $2,665 $2,662 $2,390 $2,535 $10,430 $10,744 $2,993 $3,106
GEICO $2,824 $2,906 $2,668 $2,668 $7,777 $10,704 $2,963 $3,046
Nationwide $2,556 $2,602 $2,315 $2,436 $6,186 $7,837 $2,885 $3,098
Progressive $1,594 $1,551 $1,438 $1,448 $6,368 $7,172 $1,931 $1,999
State Farm $1,656 $1,656 $1,501 $1,501 $4,559 $5,736 $1,858 $2,054
USAA $1,429 $1,416 $1,370 $1,363 $3,675 $4,144 $1,756 $1,875

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Minimum Car Insurance in Carlsbad, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,919 $4,042 $3,701
Farmers $5,388 $4,450 $4,234
GEICO $4,997 $4,333 $4,004
Nationwide $4,575 $3,553 $3,090
Progressive $3,231 $2,871 $2,710
State Farm $3,674 $2,249 $1,772
USAA $2,656 $1,996 $1,734

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

Annual Carlsbad, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,542 $4,585 $4,820 $3,935
Farmers $3,973 $5,094 $4,974 $4,722
GEICO $2,626 $4,205 $8,321 $2,626
Nationwide $2,773 $3,925 $5,105 $3,154
Progressive $2,547 $3,459 $2,739 $3,005
State Farm $2,406 $2,618 $2,618 $2,618
USAA $1,578 $2,195 $2,905 $1,837

Cheapest Carlsbad, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,143 $9,314
Farmers $10,430 $10,744
GEICO $7,777 $10,704
Nationwide $6,186 $7,837
Progressive $6,368 $7,172
State Farm $4,559 $5,736
USAA $3,675 $4,144

Cheapest Carlsbad, NM Car Insurance for Seniors

Take a look at Carlsbad, 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 Carlsbad, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,362 $2,495
Farmers $2,390 $2,535
GEICO $2,668 $2,668
Nationwide $2,315 $2,436
Progressive $1,438 $1,448
State Farm $1,501 $1,501
USAA $1,370 $1,363

Cheapest Carlsbad, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,820
Farmers $4,974
GEICO $8,321
Nationwide $5,105
Progressive $2,739
State Farm $2,618
USAA $2,905

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Cheapest Carlsbad, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,221 $4,221
Farmers $4,691 $4,691
GEICO $4,378 $4,511
Nationwide $3,739 $3,739
Progressive $2,938 $2,938
State Farm $2,500 $2,630
USAA $2,065 $2,192

The Best Cheap Car Insurance Companies in Carlsbad, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,221
Farmers $4,691
GEICO $4,444
Nationwide $3,739
Progressive $2,938
State Farm $2,565
USAA $2,129

Category Winners: Cheapest Car Insurance in Carlsbad, New Mexico

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

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

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

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Cheapest Carlsbad, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,062 $4,214 $4,387
Farmers $4,312 $4,652 $5,108
GEICO $4,154 $4,433 $4,747
Nationwide $3,704 $3,712 $3,802
Progressive $2,803 $2,938 $3,072
State Farm $2,348 $2,574 $2,774
USAA $1,967 $2,139 $2,280

What affects car insurance rates in Carlsbad, New Mexico?

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

Car Theft in Carlsbad

High levels of vehicle theft can make car insurance more expensive. Carlsbad, NM car theft statistics from the FBI indicate 110 vehicle thefts a year.

Commute Time in Carlsbad

The more time you spend in your car the higher the risk of an accident. The average commute length in Carlsbad, NM is 19.6 minutes according to City-Data.

Compare Car Insurance Quotes in Carlsbad, NM

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

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