Compare Laguna, NM Car Insurance Rates (2021)

Car insurance in Laguna, NM averages $292 a month. Laguna, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Laguna car insurance rates, compare quotes from the top car insurance companies in Laguna, 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 Laguna, NM after a DUI are $4,444/year
  • Average car insurance rates in Laguna, NM are $3,503/year
  • The cheapest car insurance company in Laguna for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Laguna, NM car insurance rates? Every Laguna, 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 Laguna, 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 $2,627 $2,639 $2,399 $2,525 $8,802 $10,188 $2,918 $3,095
Farmers $2,613 $2,609 $2,335 $2,500 $10,946 $11,271 $2,937 $3,022
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,197 $2,236 $1,997 $2,097 $5,254 $6,626 $2,473 $2,648
Progressive $1,752 $1,698 $1,589 $1,595 $7,170 $8,083 $2,119 $2,190
State Farm $1,428 $1,428 $1,302 $1,302 $3,823 $4,787 $1,594 $1,759
USAA $1,604 $1,590 $1,531 $1,523 $4,270 $4,824 $1,987 $2,124

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Minimum Car Insurance in Laguna, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,120 $4,219 $3,859
Farmers $5,480 $4,541 $4,316
GEICO $4,787 $4,162 $3,849
Nationwide $3,907 $3,033 $2,633
Progressive $3,595 $3,202 $3,026
State Farm $3,089 $1,918 $1,526
USAA $3,042 $2,278 $1,975

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

Annual Laguna, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,624 $4,779 $5,112 $4,082
Farmers $4,036 $5,206 $5,085 $4,789
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,389 $3,349 $4,321 $2,705
Progressive $2,830 $3,873 $3,050 $3,345
State Farm $2,047 $2,222 $2,222 $2,222
USAA $1,803 $2,516 $3,306 $2,102

Cheapest Laguna, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,802 $10,188
Farmers $10,946 $11,271
GEICO $7,583 $10,447
Nationwide $5,254 $6,626
Progressive $7,170 $8,083
State Farm $3,823 $4,787
USAA $4,270 $4,824

Cheapest Laguna, NM Car Insurance for Seniors

Take a look at Laguna, 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 Laguna, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,399 $2,525
Farmers $2,335 $2,500
GEICO $2,511 $2,511
Nationwide $1,997 $2,097
Progressive $1,589 $1,595
State Farm $1,302 $1,302
USAA $1,531 $1,523

Cheapest Laguna, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,112
Farmers $5,085
GEICO $8,009
Nationwide $4,321
Progressive $3,050
State Farm $2,222
USAA $3,306

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Cheapest Laguna, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,399 $4,399
Farmers $4,779 $4,779
GEICO $4,201 $4,331
Nationwide $3,191 $3,191
Progressive $3,275 $3,275
State Farm $2,125 $2,231
USAA $2,359 $2,504

The Best Cheap Car Insurance Companies in Laguna, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,399
Farmers $4,779
GEICO $4,266
Nationwide $3,191
Progressive $3,275
State Farm $2,178
USAA $2,432

Category Winners: Cheapest Car Insurance in Laguna, New Mexico

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

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

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

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

Insurance Company Low Medium High
Allstate $4,211 $4,391 $4,596
Farmers $4,308 $4,723 $5,307
GEICO $3,990 $4,256 $4,552
Nationwide $3,150 $3,155 $3,268
Progressive $3,105 $3,272 $3,446
State Farm $1,975 $2,184 $2,375
USAA $2,260 $2,443 $2,592

What affects car insurance rates in Laguna, New Mexico?

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

Commute Time in Laguna

The more time you spend in your car the higher the risk of an accident. The average commute length in Laguna, NM is 23.8 minutes according to City-Data.

Compare Car Insurance Quotes in Laguna, NM

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

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