Compare Smith Lake, NM Car Insurance Rates (2021)

Car insurance in Smith Lake, NM averages $283 a month. Smith Lake, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Smith Lake car insurance rates, compare quotes from the top car insurance companies in Smith Lake, 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 Smith Lake is State Farm
  • Average car insurance rates in Smith Lake, NM are $3,399/year
  • The cheapest car insurance company in Smith Lake for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Smith Lake, NM car insurance rates? Every Smith Lake, 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 Smith Lake, 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 $2,278 $2,265 $2,037 $2,168 $9,349 $9,619 $2,581 $2,677
GEICO $2,600 $2,669 $2,442 $2,442 $7,617 $10,449 $2,743 $2,739
Nationwide $2,448 $2,485 $2,228 $2,332 $5,976 $7,514 $2,770 $2,961
Progressive $1,641 $1,574 $1,500 $1,499 $7,084 $7,963 $1,982 $2,037
State Farm $1,417 $1,417 $1,291 $1,291 $3,773 $4,725 $1,581 $1,745
USAA $1,579 $1,562 $1,510 $1,498 $4,233 $4,775 $1,952 $2,082

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Minimum Car Insurance in Smith Lake, NM

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

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

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

Annual Car Insurance Rates by Credit Score in Smith Lake, New Mexico

Insurance Company Poor Fair Good
Allstate $4,833 $3,989 $3,649
Farmers $4,722 $3,918 $3,725
GEICO $4,719 $4,112 $3,806
Nationwide $4,388 $3,418 $2,962
Progressive $3,443 $3,095 $2,942
State Farm $3,056 $1,899 $1,511
USAA $2,999 $2,248 $1,950

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

Annual Smith Lake, 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 $3,476 $4,484 $4,377 $4,151
GEICO $2,493 $3,986 $7,878 $2,493
Nationwide $2,691 $3,768 $4,853 $3,045
Progressive $2,728 $3,757 $2,937 $3,217
State Farm $2,026 $2,198 $2,198 $2,198
USAA $1,776 $2,483 $3,266 $2,071

Cheapest Smith Lake, NM Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Smith Lake, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $9,783
Farmers $9,349 $9,619
GEICO $7,617 $10,449
Nationwide $5,976 $7,514
Progressive $7,084 $7,963
State Farm $3,773 $4,725
USAA $4,233 $4,775

Cheapest Smith Lake, NM Car Insurance for Seniors

Take a look at Smith Lake, 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 Smith Lake, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,252 $2,366
Farmers $2,037 $2,168
GEICO $2,442 $2,442
Nationwide $2,228 $2,332
Progressive $1,500 $1,499
State Farm $1,291 $1,291
USAA $1,510 $1,498

Cheapest Smith Lake, NM Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Smith Lake, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,864
Farmers $4,377
GEICO $7,878
Nationwide $4,853
Progressive $2,937
State Farm $2,198
USAA $3,266

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Cheapest Smith Lake, NM Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Smith Lake, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,157 $4,157
Farmers $4,122 $4,122
GEICO $4,148 $4,277
Nationwide $3,589 $3,589
Progressive $3,160 $3,160
State Farm $2,103 $2,207
USAA $2,327 $2,470

The Best Cheap Car Insurance Companies in Smith Lake, NM

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

Average Annual Car Insurance Rates by Company in Smith Lake, New Mexico

Insurance Company Average Annual Rates
Allstate $4,157
Farmers $4,122
GEICO $4,213
Nationwide $3,589
Progressive $3,160
State Farm $2,155
USAA $2,399

Category Winners: Cheapest Car Insurance in Smith Lake, New Mexico

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

Best Annual Car Insurance Rates by Company in Smith Lake, 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 Smith Lake, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Smith Lake, New Mexico

Insurance Company Low Medium High
Allstate $3,968 $4,148 $4,354
Farmers $3,785 $4,088 $4,492
GEICO $3,928 $4,201 $4,509
Nationwide $3,511 $3,558 $3,699
Progressive $3,008 $3,163 $3,309
State Farm $1,957 $2,160 $2,348
USAA $2,226 $2,411 $2,560

Compare Car Insurance Quotes in Smith Lake, NM

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

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