Compare Sacramento, NM Car Insurance Rates (2021)

Car insurance in Sacramento, NM averages $265 a month. Sacramento, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Sacramento car insurance rates, compare quotes from the top car insurance companies in Sacramento, NM.

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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...

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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 Sacramento is State Farm
  • Average car insurance rates in Sacramento, NM after a DUI are $4,073/year
  • Average car insurance rates in Sacramento, NM are $3,175/year

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

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

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

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

How do age, gender, and marital status affect Sacramento, NM car insurance rates? Every Sacramento, 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 Sacramento, 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 $2,629 $2,670 $2,362 $2,495 $8,143 $9,314 $2,978 $3,173
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 $1,987 $2,019 $1,811 $1,897 $4,709 $5,921 $2,233 $2,388
Progressive $1,460 $1,419 $1,324 $1,331 $5,808 $6,537 $1,760 $1,821
State Farm $1,260 $1,260 $1,142 $1,142 $3,351 $4,210 $1,407 $1,552
USAA $1,548 $1,536 $1,480 $1,475 $4,040 $4,563 $1,914 $2,048

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Minimum Car Insurance in Sacramento, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,919 $4,042 $3,701
Farmers $4,530 $3,749 $3,563
GEICO $4,787 $4,162 $3,849
Nationwide $3,510 $2,730 $2,372
Progressive $2,949 $2,622 $2,477
State Farm $2,726 $1,684 $1,335
USAA $2,906 $2,179 $1,891

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

Annual Sacramento, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,542 $4,585 $4,820 $3,935
Farmers $3,329 $4,291 $4,189 $3,980
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,161 $3,013 $3,869 $2,440
Progressive $2,326 $3,159 $2,504 $2,742
State Farm $1,802 $1,953 $1,953 $1,953
USAA $1,725 $2,401 $3,166 $2,009

Cheapest Sacramento, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,143 $9,314
Farmers $8,899 $9,143
GEICO $7,583 $10,447
Nationwide $4,709 $5,921
Progressive $5,808 $6,537
State Farm $3,351 $4,210
USAA $4,040 $4,563

Cheapest Sacramento, NM Car Insurance for Seniors

Take a look at Sacramento, 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 Sacramento, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,362 $2,495
Farmers $1,971 $2,097
GEICO $2,511 $2,511
Nationwide $1,811 $1,897
Progressive $1,324 $1,331
State Farm $1,142 $1,142
USAA $1,480 $1,475

Cheapest Sacramento, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,820
Farmers $4,189
GEICO $8,009
Nationwide $3,869
Progressive $2,504
State Farm $1,953
USAA $3,166

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Cheapest Sacramento, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,221 $4,221
Farmers $3,947 $3,947
GEICO $4,201 $4,331
Nationwide $2,871 $2,871
Progressive $2,683 $2,683
State Farm $1,868 $1,962
USAA $2,256 $2,395

The Best Cheap Car Insurance Companies in Sacramento, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,221
Farmers $3,947
GEICO $4,266
Nationwide $2,871
Progressive $2,683
State Farm $1,915
USAA $2,325

Category Winners: Cheapest Car Insurance in Sacramento, New Mexico

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

Best Annual Car Insurance Rates by Company in Sacramento, 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 State Farm

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Cheapest Sacramento, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,062 $4,214 $4,387
Farmers $3,631 $3,915 $4,295
GEICO $3,990 $4,256 $4,552
Nationwide $2,807 $2,842 $2,963
Progressive $2,553 $2,680 $2,815
State Farm $1,747 $1,921 $2,079
USAA $2,154 $2,337 $2,485

What affects car insurance rates in Sacramento, New Mexico?

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

Traffic in Sacramento

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Sacramento, NM traffic data from INRIX ranks Sacramento as the 330th-most congested in the world.

Compare Car Insurance Quotes in Sacramento, NM

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

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