Compare Kirtland, NM Car Insurance Rates (2021)

Car insurance in Kirtland, NM averages $272 a month. Kirtland, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Kirtland car insurance rates, compare quotes from the top car insurance companies in Kirtland, 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

  • Average car insurance rates in Kirtland, NM after a DUI are $4,191/year
  • The cheapest car insurance company in Kirtland is State Farm
  • Average car insurance rates in Kirtland, NM are $3,268/year

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

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

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

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

How do age, gender, and marital status affect Kirtland, NM car insurance rates? Every Kirtland, 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 Kirtland, 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 $2,145 $2,130 $1,924 $2,057 $8,646 $8,844 $2,407 $2,476
GEICO $2,600 $2,669 $2,442 $2,442 $7,617 $10,449 $2,743 $2,739
Nationwide $2,227 $2,259 $2,031 $2,123 $5,393 $6,763 $2,515 $2,685
Progressive $1,480 $1,423 $1,357 $1,355 $6,255 $7,041 $1,781 $1,833
State Farm $1,430 $1,430 $1,304 $1,304 $3,832 $4,798 $1,596 $1,762
USAA $1,603 $1,589 $1,530 $1,522 $4,267 $4,820 $1,985 $2,123

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Minimum Car Insurance in Kirtland, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,833 $3,989 $3,649
Farmers $4,400 $3,633 $3,452
GEICO $4,719 $4,112 $3,806
Nationwide $3,971 $3,095 $2,683
Progressive $3,073 $2,756 $2,617
State Farm $3,095 $1,922 $1,529
USAA $3,040 $2,276 $1,973

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

Annual Kirtland, 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 $3,231 $4,166 $4,070 $3,846
GEICO $2,493 $3,986 $7,878 $2,493
Nationwide $2,449 $3,411 $4,374 $2,764
Progressive $2,432 $3,343 $2,621 $2,867
State Farm $2,051 $2,226 $2,226 $2,226
USAA $1,802 $2,514 $3,304 $2,100

Cheapest Kirtland, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $9,783
Farmers $8,646 $8,844
GEICO $7,617 $10,449
Nationwide $5,393 $6,763
Progressive $6,255 $7,041
State Farm $3,832 $4,798
USAA $4,267 $4,820

Cheapest Kirtland, NM Car Insurance for Seniors

Take a look at Kirtland, 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 Kirtland, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,252 $2,366
Farmers $1,924 $2,057
GEICO $2,442 $2,442
Nationwide $2,031 $2,123
Progressive $1,357 $1,355
State Farm $1,304 $1,304
USAA $1,530 $1,522

Cheapest Kirtland, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,864
Farmers $4,070
GEICO $7,878
Nationwide $4,374
Progressive $2,621
State Farm $2,226
USAA $3,304

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Cheapest Kirtland, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,157 $4,157
Farmers $3,828 $3,828
GEICO $4,148 $4,277
Nationwide $3,249 $3,249
Progressive $2,816 $2,816
State Farm $2,129 $2,235
USAA $2,357 $2,502

The Best Cheap Car Insurance Companies in Kirtland, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,157
Farmers $3,828
GEICO $4,213
Nationwide $3,249
Progressive $2,816
State Farm $2,182
USAA $2,430

Category Winners: Cheapest Car Insurance in Kirtland, New Mexico

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

Best Annual Car Insurance Rates by Company in Kirtland, 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

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Cheapest Kirtland, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,968 $4,148 $4,354
Farmers $3,488 $3,795 $4,202
GEICO $3,928 $4,201 $4,509
Nationwide $3,163 $3,220 $3,365
Progressive $2,672 $2,814 $2,961
State Farm $1,979 $2,188 $2,379
USAA $2,258 $2,442 $2,590

What affects car insurance rates in Kirtland, New Mexico?

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

Commute Time in Kirtland

The more time you spend in your car the higher the risk of an accident. The average commute length in Kirtland, NM is 15.2 minutes according to City-Data.

Compare Car Insurance Quotes in Kirtland, NM

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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