Compare La Luz, NM Car Insurance Rates (2021)

Car insurance in La Luz, NM averages $257 a month. La Luz, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap La Luz car insurance rates, compare quotes from the top car insurance companies in La Luz, 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 La Luz, NM after a DUI are $3,969/year
  • The cheapest car insurance company in La Luz is State Farm
  • Average car insurance rates in La Luz, NM are $3,083/year

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

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

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

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

How do age, gender, and marital status affect La Luz, NM car insurance rates? Every La Luz, 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 La Luz, 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 $2,352 $2,368 $2,144 $2,257 $7,693 $8,879 $2,619 $2,778
Farmers $2,043 $2,035 $1,830 $1,951 $8,240 $8,466 $2,297 $2,372
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $1,974 $2,006 $1,799 $1,885 $4,704 $5,912 $2,222 $2,374
Progressive $1,506 $1,459 $1,368 $1,372 $6,095 $6,871 $1,816 $1,881
State Farm $1,295 $1,295 $1,178 $1,178 $3,514 $4,409 $1,448 $1,600
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 La Luz, NM

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

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

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

Annual Car Insurance Rates by Credit Score in La Luz, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,193 $3,470 $3,300
GEICO $4,787 $4,162 $3,849
Nationwide $3,495 $2,720 $2,363
Progressive $3,069 $2,734 $2,585
State Farm $2,835 $1,749 $1,385
USAA $2,656 $1,996 $1,734

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

Annual La Luz, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,218 $4,496 $3,612
Farmers $3,088 $3,975 $3,882 $3,672
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,153 $3,001 $3,854 $2,431
Progressive $2,419 $3,302 $2,608 $2,855
State Farm $1,868 $2,030 $2,030 $2,030
USAA $1,578 $2,195 $2,905 $1,837

Cheapest La Luz, NM Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in La Luz, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $8,240 $8,466
GEICO $7,583 $10,447
Nationwide $4,704 $5,912
Progressive $6,095 $6,871
State Farm $3,514 $4,409
USAA $3,675 $4,144

Cheapest La Luz, NM Car Insurance for Seniors

Take a look at La Luz, 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 La Luz, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $1,830 $1,951
GEICO $2,511 $2,511
Nationwide $1,799 $1,885
Progressive $1,368 $1,372
State Farm $1,178 $1,178
USAA $1,370 $1,363

Cheapest La Luz, NM Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in La Luz, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,496
Farmers $3,882
GEICO $8,009
Nationwide $3,854
Progressive $2,608
State Farm $2,030
USAA $2,905

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Cheapest La Luz, NM Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in La Luz, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $3,654 $3,654
GEICO $4,201 $4,331
Nationwide $2,859 $2,859
Progressive $2,796 $2,796
State Farm $1,940 $2,039
USAA $2,065 $2,192

The Best Cheap Car Insurance Companies in La Luz, NM

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

Average Annual Car Insurance Rates by Company in La Luz, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $3,654
GEICO $4,266
Nationwide $2,859
Progressive $2,796
State Farm $1,990
USAA $2,129

Category Winners: Cheapest Car Insurance in La Luz, New Mexico

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

Best Annual Car Insurance Rates by Company in La Luz, 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 La Luz, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Luz, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,338 $3,622 $4,002
GEICO $3,990 $4,256 $4,552
Nationwide $2,801 $2,830 $2,947
Progressive $2,666 $2,792 $2,929
State Farm $1,812 $1,996 $2,161
USAA $1,967 $2,139 $2,280

What affects car insurance rates in La Luz, New Mexico?

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

Commute Time in La Luz

The more time you spend in your car the higher the risk of an accident. The average commute length in La Luz, NM is 13.8 minutes according to City-Data.

Compare Car Insurance Quotes in La Luz, NM

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

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