Compare Rio Rancho, NM Car Insurance Rates (2021)

Car insurance in Rio Rancho, NM averages $314 a month. Rio Rancho, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Rio Rancho car insurance rates, compare quotes from the top car insurance companies in Rio Rancho, NM.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

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 Rio Rancho, NM after a DUI are $4,838/year
  • The cheapest car insurance company in Rio Rancho for teen drivers is USAA
  • The cheapest ZIP code in Rio Rancho is 87124

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

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

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

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

How do age, gender, and marital status affect Rio Rancho, NM car insurance rates? Every Rio Rancho, 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 Rio Rancho, 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 $2,552 $2,540 $2,358 $2,477 $8,973 $10,436 $2,795 $2,939
Farmers $2,598 $2,583 $2,321 $2,487 $10,864 $11,156 $2,912 $2,983
GEICO $3,070 $3,149 $2,883 $2,883 $9,130 $12,408 $3,228 $3,186
Nationwide $2,596 $2,635 $2,360 $2,472 $6,365 $8,011 $2,940 $3,146
Progressive $1,722 $1,658 $1,572 $1,573 $7,293 $8,198 $2,078 $2,135
State Farm $1,746 $1,746 $1,600 $1,600 $4,872 $6,117 $1,958 $2,152
USAA $1,618 $1,597 $1,553 $1,537 $4,361 $4,918 $2,003 $2,134

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 Rio Rancho, NM

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

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

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

Annual Car Insurance Rates by Credit Score in Rio Rancho, New Mexico

Insurance Company Poor Fair Good
Allstate $5,100 $4,208 $3,843
Farmers $5,425 $4,506 $4,283
GEICO $5,588 $4,874 $4,513
Nationwide $4,663 $3,633 $3,151
Progressive $3,582 $3,210 $3,044
State Farm $3,886 $2,393 $1,893
USAA $3,076 $2,312 $2,007

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

Annual Rio Rancho, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,573 $4,778 $5,131 $4,052
Farmers $4,000 $5,166 $5,045 $4,740
GEICO $2,958 $4,725 $9,326 $2,958
Nationwide $2,854 $4,006 $5,170 $3,233
Progressive $2,832 $3,892 $3,050 $3,341
State Farm $2,550 $2,782 $2,782 $2,782
USAA $1,823 $2,550 $3,363 $2,125

Cheapest Rio Rancho, NM Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Rio Rancho, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,973 $10,436
Farmers $10,864 $11,156
GEICO $9,130 $12,408
Nationwide $6,365 $8,011
Progressive $7,293 $8,198
State Farm $4,872 $6,117
USAA $4,361 $4,918

Cheapest Rio Rancho, NM Car Insurance for Seniors

Take a look at Rio Rancho, 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 Rio Rancho, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,358 $2,477
Farmers $2,321 $2,487
GEICO $2,883 $2,883
Nationwide $2,360 $2,472
Progressive $1,572 $1,573
State Farm $1,600 $1,600
USAA $1,553 $1,537

Cheapest Rio Rancho, NM Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Rio Rancho, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,131
Farmers $5,045
GEICO $9,326
Nationwide $5,170
Progressive $3,050
State Farm $2,782
USAA $3,363

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Rio Rancho, NM Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Rio Rancho, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,384 $4,384
Farmers $4,738 $4,738
GEICO $4,914 $5,070
Nationwide $3,816 $3,816
Progressive $3,279 $3,279
State Farm $2,654 $2,794
USAA $2,392 $2,539

Cheapest Rio Rancho, NM Car Insurance Rates by ZIP Code

Rio Rancho car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Rio Rancho, NM.

Annual Car Insurance Rates by ZIP Code in Rio Rancho, New Mexico

ZIP Code Average Annual Rates
87124 $3,947
87144 $4,010

The Best Cheap Car Insurance Companies in Rio Rancho, NM

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

Average Annual Car Insurance Rates by Company in Rio Rancho, New Mexico

Insurance Company Average Annual Rates
Allstate $4,384
Farmers $4,738
GEICO $4,992
Nationwide $3,816
Progressive $3,279
State Farm $2,724
USAA $2,465

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Rio Rancho, New Mexico

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

Best Annual Car Insurance Rates by Company in Rio Rancho, New Mexico

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

Cheapest Rio Rancho, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rio Rancho, New Mexico

Insurance Company Low Medium High
Allstate $4,146 $4,373 $4,633
Farmers $4,284 $4,693 $5,236
GEICO $4,616 $4,980 $5,380
Nationwide $3,727 $3,787 $3,932
Progressive $3,101 $3,280 $3,455
State Farm $2,460 $2,735 $2,978
USAA $2,278 $2,479 $2,639

What affects car insurance rates in Rio Rancho, New Mexico?

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

Car Theft in Rio Rancho

High levels of vehicle theft can make car insurance more expensive. Rio Rancho, NM car theft statistics from the FBI indicate 163 vehicle thefts a year.

Commute Time in Rio Rancho

The more time you spend in your car the higher the risk of an accident. The average commute length in Rio Rancho, NM is 27.7 minutes according to City-Data.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Rio Rancho, NM

Ready to find affordable Rio Rancho, New Mexico car insurance today? Enter your ZIP code for fast, free Rio Rancho, 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