Compare Reserve, NM Car Insurance Rates (2021)

Car insurance in Reserve, NM averages $268 a month. Reserve, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Reserve car insurance rates, compare quotes from the top car insurance companies in Reserve, 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

  • The cheapest car insurance company in Reserve is State Farm
  • Average car insurance rates in Reserve, NM are $3,220/year
  • Average car insurance rates in Reserve, NM after a DUI are $4,123/year

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

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

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

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

How do age, gender, and marital status affect Reserve, NM car insurance rates? Every Reserve, 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 Reserve, 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 $2,393 $2,405 $2,184 $2,299 $7,879 $9,096 $2,661 $2,817
Farmers $2,172 $2,165 $1,944 $2,069 $8,803 $9,064 $2,448 $2,534
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 $1,694 $1,652 $1,517 $1,531 $6,701 $7,563 $2,061 $2,148
State Farm $1,314 $1,314 $1,187 $1,187 $3,455 $4,350 $1,468 $1,616
USAA $1,435 $1,435 $1,362 $1,367 $3,607 $4,084 $1,769 $1,902

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Minimum Car Insurance in Reserve, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,617 $3,803 $3,480
Farmers $4,472 $3,705 $3,523
GEICO $4,787 $4,162 $3,849
Nationwide $3,907 $3,033 $2,633
Progressive $3,426 $3,037 $2,863
State Farm $2,830 $1,746 $1,383
USAA $2,659 $1,984 $1,717

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

Annual Reserve, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,280 $4,314 $4,590 $3,683
Farmers $3,296 $4,241 $4,141 $3,922
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,389 $3,349 $4,321 $2,705
Progressive $2,692 $3,656 $2,900 $3,185
State Farm $1,871 $2,025 $2,025 $2,025
USAA $1,581 $2,186 $2,874 $1,838

Cheapest Reserve, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,879 $9,096
Farmers $8,803 $9,064
GEICO $7,583 $10,447
Nationwide $5,254 $6,626
Progressive $6,701 $7,563
State Farm $3,455 $4,350
USAA $3,607 $4,084

Cheapest Reserve, NM Car Insurance for Seniors

Take a look at Reserve, 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 Reserve, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,184 $2,299
Farmers $1,944 $2,069
GEICO $2,511 $2,511
Nationwide $1,997 $2,097
Progressive $1,517 $1,531
State Farm $1,187 $1,187
USAA $1,362 $1,367

Cheapest Reserve, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,590
Farmers $4,141
GEICO $8,009
Nationwide $4,321
Progressive $2,900
State Farm $2,025
USAA $2,874

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Cheapest Reserve, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $3,967
Farmers $3,900 $3,900
GEICO $4,201 $4,331
Nationwide $3,191 $3,191
Progressive $3,108 $3,108
State Farm $1,937 $2,035
USAA $2,056 $2,183

The Best Cheap Car Insurance Companies in Reserve, NM

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

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

Insurance Company Average Annual Rates
Allstate $3,967
Farmers $3,900
GEICO $4,266
Nationwide $3,191
Progressive $3,108
State Farm $1,986
USAA $2,120

Category Winners: Cheapest Car Insurance in Reserve, New Mexico

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

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

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

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

Insurance Company Low Medium High
Allstate $3,778 $3,958 $4,164
Farmers $3,568 $3,865 $4,267
GEICO $3,990 $4,256 $4,552
Nationwide $3,150 $3,155 $3,268
Progressive $3,000 $3,108 $3,217
State Farm $1,815 $1,992 $2,153
USAA $1,978 $2,128 $2,253

What affects car insurance rates in Reserve, New Mexico?

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

Commute Time in Reserve

The more time you spend in your car the higher the risk of an accident. The average commute length in Reserve, NM is 16.1 minutes according to City-Data.

Compare Car Insurance Quotes in Reserve, NM

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

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