Compare Ruidoso Downs, NM Car Insurance Rates (2021)

Car insurance in Ruidoso Downs, NM averages $274 a month. Ruidoso Downs, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Ruidoso Downs car insurance rates, compare quotes from the top car insurance companies in Ruidoso Downs, 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 Ruidoso Downs for teen drivers is USAA
  • Average car insurance rates in Ruidoso Downs, NM are $3,284/year
  • Average car insurance rates in Ruidoso Downs, NM after a DUI are $4,189/year

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

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

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

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

How do age, gender, and marital status affect Ruidoso Downs, NM car insurance rates? Every Ruidoso Downs, 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 Ruidoso Downs, 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 $2,201 $2,188 $1,971 $2,097 $8,899 $9,143 $2,492 $2,588
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,273 $2,314 $2,064 $2,169 $5,441 $6,874 $2,559 $2,744
Progressive $1,755 $1,703 $1,582 $1,591 $7,125 $8,038 $2,129 $2,210
State Farm $1,475 $1,475 $1,329 $1,329 $3,928 $4,941 $1,649 $1,829
USAA $1,405 $1,404 $1,333 $1,337 $3,535 $3,998 $1,728 $1,856

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Minimum Car Insurance in Ruidoso Downs, NM

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

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

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

Annual Car Insurance Rates by Credit Score in Ruidoso Downs, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,530 $3,749 $3,563
GEICO $4,787 $4,162 $3,849
Nationwide $4,047 $3,140 $2,728
Progressive $3,590 $3,193 $3,016
State Farm $3,206 $1,970 $1,556
USAA $2,602 $1,941 $1,680

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

Annual Ruidoso Downs, 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 $3,329 $4,291 $4,189 $3,980
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,466 $3,469 $4,488 $2,797
Progressive $2,825 $3,857 $3,044 $3,341
State Farm $2,112 $2,289 $2,289 $2,289
USAA $1,547 $2,140 $2,812 $1,799

Cheapest Ruidoso Downs, NM Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ruidoso Downs, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $8,899 $9,143
GEICO $7,583 $10,447
Nationwide $5,441 $6,874
Progressive $7,125 $8,038
State Farm $3,928 $4,941
USAA $3,535 $3,998

Cheapest Ruidoso Downs, NM Car Insurance for Seniors

Take a look at Ruidoso Downs, 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 Ruidoso Downs, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $1,971 $2,097
GEICO $2,511 $2,511
Nationwide $2,064 $2,169
Progressive $1,582 $1,591
State Farm $1,329 $1,329
USAA $1,333 $1,337

Cheapest Ruidoso Downs, NM Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ruidoso Downs, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,496
Farmers $4,189
GEICO $8,009
Nationwide $4,488
Progressive $3,044
State Farm $2,289
USAA $2,812

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Cheapest Ruidoso Downs, NM Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ruidoso Downs, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $3,947 $3,947
GEICO $4,201 $4,331
Nationwide $3,305 $3,305
Progressive $3,267 $3,267
State Farm $2,190 $2,299
USAA $2,012 $2,137

The Best Cheap Car Insurance Companies in Ruidoso Downs, NM

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

Average Annual Car Insurance Rates by Company in Ruidoso Downs, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $3,947
GEICO $4,266
Nationwide $3,305
Progressive $3,267
State Farm $2,244
USAA $2,075

Category Winners: Cheapest Car Insurance in Ruidoso Downs, New Mexico

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

Best Annual Car Insurance Rates by Company in Ruidoso Downs, 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

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Cheapest Ruidoso Downs, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ruidoso Downs, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,631 $3,915 $4,295
GEICO $3,990 $4,256 $4,552
Nationwide $3,266 $3,271 $3,378
Progressive $3,128 $3,266 $3,406
State Farm $2,065 $2,251 $2,417
USAA $1,938 $2,083 $2,203

What affects car insurance rates in Ruidoso Downs, New Mexico?

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

Car Theft in Ruidoso Downs

High levels of vehicle theft can make car insurance more expensive. Ruidoso Downs, NM car theft statistics from the FBI indicate 6 vehicle thefts a year.

Commute Time in Ruidoso Downs

The more time you spend in your car the higher the risk of an accident. The average commute length in Ruidoso Downs, NM is 14.1 minutes according to City-Data.

Compare Car Insurance Quotes in Ruidoso Downs, NM

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

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