Compare Ponderosa, NM Car Insurance Rates (2021)

Car insurance in Ponderosa, NM averages $305 a month. Ponderosa, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Ponderosa car insurance rates, compare quotes from the top car insurance companies in Ponderosa, NM.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Ponderosa, NM are $3,658/year
  • Average car insurance rates in Ponderosa, NM after a DUI are $4,706/year
  • The cheapest car insurance company in Ponderosa for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Ponderosa, NM car insurance rates? Every Ponderosa, 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 Ponderosa, 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 $2,635 $2,622 $2,434 $2,557 $9,288 $10,804 $2,886 $3,036
Farmers $2,353 $2,335 $2,110 $2,251 $9,421 $9,642 $2,646 $2,727
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 $1,730 $1,663 $1,579 $1,577 $7,365 $8,315 $2,091 $2,159
State Farm $1,661 $1,661 $1,514 $1,514 $4,512 $5,668 $1,859 $2,044
USAA $1,617 $1,602 $1,545 $1,535 $4,316 $4,875 $2,004 $2,142

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Ponderosa, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,275 $4,351 $3,973
Farmers $4,807 $3,973 $3,777
GEICO $5,580 $4,858 $4,495
Nationwide $4,388 $3,418 $2,962
Progressive $3,617 $3,239 $3,073
State Farm $3,638 $2,245 $1,779
USAA $3,070 $2,300 $1,994

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

Annual Ponderosa, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,693 $4,942 $5,307 $4,190
Farmers $3,533 $4,554 $4,447 $4,210
GEICO $2,945 $4,710 $9,310 $2,945
Nationwide $2,691 $3,768 $4,853 $3,045
Progressive $2,852 $3,935 $3,078 $3,373
State Farm $2,398 $2,606 $2,606 $2,606
USAA $1,819 $2,539 $3,339 $2,121

Cheapest Ponderosa, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,288 $10,804
Farmers $9,421 $9,642
GEICO $8,952 $12,283
Nationwide $5,976 $7,514
Progressive $7,365 $8,315
State Farm $4,512 $5,668
USAA $4,316 $4,875

Cheapest Ponderosa, NM Car Insurance for Seniors

Take a look at Ponderosa, 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 Ponderosa, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,434 $2,557
Farmers $2,110 $2,251
GEICO $2,903 $2,903
Nationwide $2,228 $2,332
Progressive $1,579 $1,577
State Farm $1,514 $1,514
USAA $1,545 $1,535

Cheapest Ponderosa, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,307
Farmers $4,447
GEICO $9,310
Nationwide $4,853
Progressive $3,078
State Farm $2,606
USAA $3,339

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Ponderosa, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,533 $4,533
Farmers $4,186 $4,186
GEICO $4,902 $5,054
Nationwide $3,589 $3,589
Progressive $3,310 $3,310
State Farm $2,490 $2,618
USAA $2,381 $2,528

The Best Cheap Car Insurance Companies in Ponderosa, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,533
Farmers $4,186
GEICO $4,978
Nationwide $3,589
Progressive $3,310
State Farm $2,554
USAA $2,455

Category Winners: Cheapest Car Insurance in Ponderosa, New Mexico

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

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

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Ponderosa, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,286 $4,522 $4,791
Farmers $3,836 $4,155 $4,566
GEICO $4,635 $4,964 $5,335
Nationwide $3,511 $3,558 $3,699
Progressive $3,147 $3,308 $3,475
State Farm $2,316 $2,563 $2,784
USAA $2,279 $2,467 $2,618

What affects car insurance rates in Ponderosa, New Mexico?

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

Commute Time in Ponderosa

The more time you spend in your car the higher the risk of an accident. The average commute length in Ponderosa, NM is 49.7 minutes according to City-Data.

Compare Car Insurance Quotes in Ponderosa, NM

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption