Compare Gallup, NM Car Insurance Rates (2021)

Car insurance in Gallup, NM averages $275 a month. Gallup, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Gallup car insurance rates, compare quotes from the top car insurance companies in Gallup, 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 Gallup, NM after a DUI are $4,232/year
  • Average car insurance rates in Gallup, NM are $3,299/year
  • The cheapest car insurance company in Gallup is State Farm

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

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

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

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

How do age, gender, and marital status affect Gallup, NM car insurance rates? Every Gallup, 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 Gallup, 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 $2,447 $2,447 $2,252 $2,366 $8,414 $9,783 $2,694 $2,853
Farmers $2,257 $2,245 $2,018 $2,148 $9,258 $9,525 $2,558 $2,655
GEICO $2,600 $2,669 $2,442 $2,442 $7,617 $10,449 $2,743 $2,739
Nationwide $2,327 $2,361 $2,121 $2,218 $5,649 $7,089 $2,630 $2,808
Progressive $1,449 $1,395 $1,324 $1,323 $6,092 $6,871 $1,747 $1,804
State Farm $1,370 $1,370 $1,252 $1,252 $3,682 $4,604 $1,529 $1,689
USAA $1,579 $1,562 $1,510 $1,498 $4,233 $4,775 $1,952 $2,082

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Minimum Car Insurance in Gallup, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,833 $3,989 $3,649
Farmers $4,679 $3,881 $3,689
GEICO $4,719 $4,112 $3,806
Nationwide $4,158 $3,238 $2,806
Progressive $3,005 $2,692 $2,555
State Farm $2,966 $1,845 $1,470
USAA $2,999 $2,248 $1,950

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

Annual Gallup, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,401 $4,513 $4,864 $3,851
Farmers $3,443 $4,441 $4,335 $4,113
GEICO $2,493 $3,986 $7,878 $2,493
Nationwide $2,560 $3,570 $4,582 $2,890
Progressive $2,376 $3,263 $2,561 $2,803
State Farm $1,966 $2,136 $2,136 $2,136
USAA $1,776 $2,483 $3,266 $2,071

Cheapest Gallup, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $9,783
Farmers $9,258 $9,525
GEICO $7,617 $10,449
Nationwide $5,649 $7,089
Progressive $6,092 $6,871
State Farm $3,682 $4,604
USAA $4,233 $4,775

Cheapest Gallup, NM Car Insurance for Seniors

Take a look at Gallup, 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 Gallup, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,252 $2,366
Farmers $2,018 $2,148
GEICO $2,442 $2,442
Nationwide $2,121 $2,218
Progressive $1,324 $1,323
State Farm $1,252 $1,252
USAA $1,510 $1,498

Cheapest Gallup, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,864
Farmers $4,335
GEICO $7,878
Nationwide $4,582
Progressive $2,561
State Farm $2,136
USAA $3,266

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Cheapest Gallup, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,157 $4,157
Farmers $4,083 $4,083
GEICO $4,148 $4,277
Nationwide $3,400 $3,400
Progressive $2,751 $2,751
State Farm $2,043 $2,144
USAA $2,327 $2,470

Cheapest Gallup, NM Car Insurance Rates by ZIP Code

Gallup car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Gallup, NM.

Annual Car Insurance Rates by ZIP Code in Gallup, New Mexico

ZIP Code Average Annual Rates
87301 $3,479
87305 $3,486

The Best Cheap Car Insurance Companies in Gallup, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,157
Farmers $4,083
GEICO $4,213
Nationwide $3,400
Progressive $2,751
State Farm $2,094
USAA $2,399

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Category Winners: Cheapest Car Insurance in Gallup, New Mexico

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

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

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

Cheapest Gallup, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,968 $4,148 $4,354
Farmers $3,749 $4,049 $4,452
GEICO $3,928 $4,201 $4,509
Nationwide $3,312 $3,368 $3,522
Progressive $2,621 $2,750 $2,880
State Farm $1,897 $2,099 $2,285
USAA $2,226 $2,411 $2,560

What affects car insurance rates in Gallup, New Mexico?

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

Car Theft in Gallup

High levels of vehicle theft can make car insurance more expensive. Gallup, NM car theft statistics from the FBI indicate 164 vehicle thefts a year.

Commute Time in Gallup

The more time you spend in your car the higher the risk of an accident. The average commute length in Gallup, NM is 12.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Gallup, NM

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

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