Compare San Jose, NM Car Insurance Rates (2021)

Car insurance in San Jose, NM averages $287 a month. San Jose, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap San Jose car insurance rates, compare quotes from the top car insurance companies in San Jose, 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

  • Average car insurance rates in San Jose, NM are $3,439/year
  • Average car insurance rates in San Jose, NM after a DUI are $4,396/year
  • The cheapest car insurance company in San Jose is USAA

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

You’ll find San Jose car insurance rates, the cheapest San Jose, NM car insurance companies, and information on New Mexico car insurance laws. You can also compare San Jose, New Mexico car insurance rates to Albuquerque car insurance rates, Hobbs car insurance rates, and Las Cruces car insurance rates.

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

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

How do age, gender, and marital status affect San Jose, NM car insurance rates? Every San Jose, 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 San Jose, 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 $2,383 $2,388 $2,190 $2,300 $8,117 $9,436 $2,629 $2,791
Farmers $2,450 $2,442 $2,196 $2,343 $9,884 $10,152 $2,749 $2,835
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,606 $2,658 $2,357 $2,484 $6,321 $8,013 $2,940 $3,159
Progressive $1,707 $1,662 $1,534 $1,546 $6,786 $7,654 $2,070 $2,152
State Farm $1,508 $1,508 $1,364 $1,364 $4,052 $5,104 $1,688 $1,863
USAA $1,445 $1,444 $1,372 $1,376 $3,641 $4,122 $1,781 $1,915

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Minimum Car Insurance in San Jose, NM

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

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

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

Annual Car Insurance Rates by Credit Score in San Jose, New Mexico

Insurance Company Poor Fair Good
Allstate $4,680 $3,867 $3,540
Farmers $5,033 $4,158 $3,953
GEICO $4,787 $4,162 $3,849
Nationwide $4,679 $3,625 $3,147
Progressive $3,457 $3,067 $2,893
State Farm $3,297 $2,024 $1,598
USAA $2,680 $2,000 $1,731

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

Annual San Jose, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,302 $4,364 $4,714 $3,736
Farmers $3,704 $4,766 $4,655 $4,400
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,829 $4,007 $5,214 $3,219
Progressive $2,717 $3,697 $2,928 $3,213
State Farm $2,168 $2,352 $2,352 $2,352
USAA $1,594 $2,204 $2,897 $1,854

Cheapest San Jose, NM Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in San Jose, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,117 $9,436
Farmers $9,884 $10,152
GEICO $7,583 $10,447
Nationwide $6,321 $8,013
Progressive $6,786 $7,654
State Farm $4,052 $5,104
USAA $3,641 $4,122

Cheapest San Jose, NM Car Insurance for Seniors

Take a look at San Jose, 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 San Jose, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,190 $2,300
Farmers $2,196 $2,343
GEICO $2,511 $2,511
Nationwide $2,357 $2,484
Progressive $1,534 $1,546
State Farm $1,364 $1,364
USAA $1,372 $1,376

Cheapest San Jose, NM Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in San Jose, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,714
Farmers $4,655
GEICO $8,009
Nationwide $5,214
Progressive $2,928
State Farm $2,352
USAA $2,897

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Cheapest San Jose, NM Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in San Jose, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,029 $4,029
Farmers $4,381 $4,381
GEICO $4,201 $4,331
Nationwide $3,817 $3,817
Progressive $3,139 $3,139
State Farm $2,249 $2,364
USAA $2,073 $2,201

The Best Cheap Car Insurance Companies in San Jose, NM

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

Average Annual Car Insurance Rates by Company in San Jose, New Mexico

Insurance Company Average Annual Rates
Allstate $4,029
Farmers $4,381
GEICO $4,266
Nationwide $3,817
Progressive $3,139
State Farm $2,306
USAA $2,137

Category Winners: Cheapest Car Insurance in San Jose, New Mexico

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

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

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

Annual Car Insurance Rates by Coverage Level in San Jose, New Mexico

Insurance Company Low Medium High
Allstate $3,870 $4,022 $4,195
Farmers $3,987 $4,339 $4,818
GEICO $3,990 $4,256 $4,552
Nationwide $3,817 $3,776 $3,859
Progressive $3,011 $3,137 $3,269
State Farm $2,111 $2,314 $2,494
USAA $1,995 $2,146 $2,271

What affects car insurance rates in San Jose, New Mexico?

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

Commute Time in San Jose

The more time you spend in your car the higher the risk of an accident. The average commute length in San Jose, NM is 30.3 minutes according to City-Data.

Compare Car Insurance Quotes in San Jose, NM

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

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