Compare Chama, NM Car Insurance Rates (2021)

Car insurance in Chama, NM averages $309 a month. Chama, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Chama car insurance rates, compare quotes from the top car insurance companies in Chama, 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 Chama, NM after a DUI are $4,768/year
  • Average car insurance rates in Chama, NM are $3,712/year
  • The cheapest car insurance company in Chama is USAA

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

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

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

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

How do age, gender, and marital status affect Chama, NM car insurance rates? Every Chama, 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 Chama, 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 $2,539 $2,540 $2,335 $2,453 $8,762 $10,198 $2,797 $2,967
Farmers $2,478 $2,467 $2,218 $2,377 $10,278 $10,545 $2,777 $2,846
GEICO $3,088 $3,172 $2,903 $2,903 $8,952 $12,283 $3,255 $3,266
Nationwide $2,448 $2,485 $2,228 $2,332 $5,976 $7,514 $2,770 $2,961
Progressive $1,655 $1,603 $1,500 $1,505 $6,791 $7,662 $2,004 $2,076
State Farm $1,905 $1,905 $1,731 $1,731 $5,273 $6,606 $2,135 $2,378
USAA $1,664 $1,645 $1,593 $1,581 $4,476 $5,054 $2,064 $2,205

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Minimum Car Insurance in Chama, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,028 $4,148 $3,795
Farmers $5,160 $4,273 $4,061
GEICO $5,580 $4,858 $4,495
Nationwide $4,388 $3,418 $2,962
Progressive $3,401 $3,031 $2,867
State Farm $4,227 $2,597 $2,050
USAA $3,168 $2,376 $2,062

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

Annual Chama, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,533 $4,690 $5,067 $4,005
Farmers $3,798 $4,902 $4,788 $4,504
GEICO $2,945 $4,710 $9,310 $2,945
Nationwide $2,691 $3,768 $4,853 $3,045
Progressive $2,679 $3,665 $2,887 $3,166
State Farm $2,773 $3,020 $3,020 $3,020
USAA $1,877 $2,623 $3,452 $2,189

Cheapest Chama, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,762 $10,198
Farmers $10,278 $10,545
GEICO $8,952 $12,283
Nationwide $5,976 $7,514
Progressive $6,791 $7,662
State Farm $5,273 $6,606
USAA $4,476 $5,054

Cheapest Chama, NM Car Insurance for Seniors

Take a look at Chama, 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 Chama, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,335 $2,453
Farmers $2,218 $2,377
GEICO $2,903 $2,903
Nationwide $2,228 $2,332
Progressive $1,500 $1,505
State Farm $1,731 $1,731
USAA $1,593 $1,581

Cheapest Chama, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,067
Farmers $4,788
GEICO $9,310
Nationwide $4,853
Progressive $2,887
State Farm $3,020
USAA $3,452

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Cheapest Chama, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,324 $4,324
Farmers $4,498 $4,498
GEICO $4,902 $5,054
Nationwide $3,589 $3,589
Progressive $3,100 $3,100
State Farm $2,886 $3,030
USAA $2,460 $2,611

The Best Cheap Car Insurance Companies in Chama, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,324
Farmers $4,498
GEICO $4,978
Nationwide $3,589
Progressive $3,100
State Farm $2,958
USAA $2,535

Category Winners: Cheapest Car Insurance in Chama, New Mexico

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

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

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

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Cheapest Chama, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,135 $4,315 $4,521
Farmers $4,060 $4,451 $4,983
GEICO $4,635 $4,964 $5,335
Nationwide $3,511 $3,558 $3,699
Progressive $2,961 $3,098 $3,240
State Farm $2,714 $2,967 $3,193
USAA $2,348 $2,549 $2,709

What affects car insurance rates in Chama, New Mexico?

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

Commute Time in Chama

The more time you spend in your car the higher the risk of an accident. The average commute length in Chama, NM is 25.5 minutes according to City-Data.

Compare Car Insurance Quotes in Chama, NM

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

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