Compare Shiprock, NM Car Insurance Rates (2021)

Car insurance in Shiprock, NM averages $273 a month. Shiprock, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Shiprock car insurance rates, compare quotes from the top car insurance companies in Shiprock, 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 Shiprock for teen drivers is State Farm
  • Average car insurance rates in Shiprock, NM are $3,276/year
  • Average car insurance rates in Shiprock, NM after a DUI are $4,201/year

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

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

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

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

How do age, gender, and marital status affect Shiprock, NM car insurance rates? Every Shiprock, 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 Shiprock, 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 $2,447 $2,447 $2,252 $2,366 $8,414 $9,783 $2,694 $2,853
Farmers $2,145 $2,130 $1,924 $2,057 $8,646 $8,844 $2,407 $2,476
GEICO $2,600 $2,669 $2,442 $2,442 $7,617 $10,449 $2,743 $2,739
Nationwide $2,252 $2,285 $2,052 $2,147 $5,434 $6,824 $2,541 $2,715
Progressive $1,510 $1,453 $1,380 $1,379 $6,363 $7,166 $1,819 $1,876
State Farm $1,413 $1,413 $1,287 $1,287 $3,792 $4,739 $1,576 $1,748
USAA $1,603 $1,589 $1,530 $1,522 $4,267 $4,820 $1,985 $2,123

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Minimum Car Insurance in Shiprock, NM

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,833 $3,989 $3,649
Farmers $4,400 $3,633 $3,452
GEICO $4,719 $4,112 $3,806
Nationwide $4,012 $3,124 $2,709
Progressive $3,133 $2,807 $2,665
State Farm $3,058 $1,900 $1,512
USAA $3,040 $2,276 $1,973

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

Annual Shiprock, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,401 $4,513 $4,864 $3,851
Farmers $3,231 $4,166 $4,070 $3,846
GEICO $2,493 $3,986 $7,878 $2,493
Nationwide $2,469 $3,445 $4,423 $2,789
Progressive $2,478 $3,403 $2,670 $2,922
State Farm $2,027 $2,200 $2,200 $2,200
USAA $1,802 $2,514 $3,304 $2,100

Cheapest Shiprock, NM Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $9,783
Farmers $8,646 $8,844
GEICO $7,617 $10,449
Nationwide $5,434 $6,824
Progressive $6,363 $7,166
State Farm $3,792 $4,739
USAA $4,267 $4,820

Cheapest Shiprock, NM Car Insurance for Seniors

Take a look at Shiprock, 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 Shiprock, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,252 $2,366
Farmers $1,924 $2,057
GEICO $2,442 $2,442
Nationwide $2,052 $2,147
Progressive $1,380 $1,379
State Farm $1,287 $1,287
USAA $1,530 $1,522

Cheapest Shiprock, NM Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,864
Farmers $4,070
GEICO $7,878
Nationwide $4,423
Progressive $2,670
State Farm $2,200
USAA $3,304

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Cheapest Shiprock, NM Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,157 $4,157
Farmers $3,828 $3,828
GEICO $4,148 $4,277
Nationwide $3,282 $3,282
Progressive $2,868 $2,868
State Farm $2,105 $2,208
USAA $2,357 $2,502

The Best Cheap Car Insurance Companies in Shiprock, NM

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

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

Insurance Company Average Annual Rates
Allstate $4,157
Farmers $3,828
GEICO $4,213
Nationwide $3,282
Progressive $2,868
State Farm $2,157
USAA $2,430

Category Winners: Cheapest Car Insurance in Shiprock, New Mexico

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

Best Annual Car Insurance Rates by Company in Shiprock, 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 USAA

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Cheapest Shiprock, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,968 $4,148 $4,354
Farmers $3,488 $3,795 $4,202
GEICO $3,928 $4,201 $4,509
Nationwide $3,199 $3,251 $3,395
Progressive $2,730 $2,867 $3,007
State Farm $1,963 $2,162 $2,346
USAA $2,258 $2,442 $2,590

What affects car insurance rates in Shiprock, New Mexico?

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

Commute Time in Shiprock

The more time you spend in your car the higher the risk of an accident. The average commute length in Shiprock, NM is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in Shiprock, NM

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

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