Cheap Quotes for Carlsbad, NM Car Insurance (2024)
Carlsbad, New Mexico car insurance rates average $294 a month and New Mexico law requires coverage of at least 25/50/10. By comparing rates from multiple Carlsbad, NM companies, you can find cheap Carlsbad car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Carlsbad, NM after a DUI are $4,497/year
- Average car insurance rates in Carlsbad, NM for senior drivers are $2,035/year
- Carlsbad has an average commute time of 19.6 minutes
How do the Carlsbad, New Mexico monthly average car insurance rates of $294/month compare to nearby cities like Alamogordo car insurance rates, Roswell car insurance rates, and Santa Fe car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Carlsbad, NM.
We’ll cover the New Mexico minimum coverage requirements, New Mexico car insurance laws, and Carlsbad, NM statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Carlsbad, New Mexico companies to find the most affordable Carlsbad car insurance rates.
Enter your ZIP code above to find cheap Carlsbad, NM car insurance quotes today.
What are the minimum Carlsbad, NM car insurance requirements?
To meet New Mexico minimum car insurance coverage requirements, Carlsbad, NM drivers need to carry at least 25/50/10 coverage.
| 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 |
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How do age, gender, and marital status affect Carlsbad, NM car insurance rates?
Three of the criteria that most affect car insurance rates in Carlsbad, New Mexico are age, gender, and marital status. Let’s take a look at how each of these stack up with top Carlsbad car insurance companies.
| 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 | $2,665 | $2,662 | $2,390 | $2,535 | $10,430 | $10,744 | $2,993 | $3,106 |
| Geico | $2,824 | $2,906 | $2,668 | $2,668 | $7,777 | $10,704 | $2,963 | $3,046 |
| Nationwide | $2,556 | $2,602 | $2,315 | $2,436 | $6,186 | $7,837 | $2,885 | $3,098 |
| Progressive | $1,594 | $1,551 | $1,438 | $1,448 | $6,368 | $7,172 | $1,931 | $1,999 |
| State Farm | $1,656 | $1,656 | $1,501 | $1,501 | $4,559 | $5,736 | $1,858 | $2,054 |
| USAA | $1,429 | $1,416 | $1,370 | $1,363 | $3,675 | $4,144 | $1,756 | $1,875 |
How much do teen drivers pay for car insurance in Carlsbad, NM?
Carlsbad, New Mexico car insurance rates for teens are often higher than rates for other drivers. Compare Carlsbad car insurance rates from multiple Carlsbad, New Mexico car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,143 | $9,314 |
| Farmers | $10,430 | $10,744 |
| Geico | $7,777 | $10,704 |
| Nationwide | $6,186 | $7,837 |
| Progressive | $6,368 | $7,172 |
| State Farm | $4,559 | $5,736 |
| USAA | $3,675 | $4,144 |
How much do senior drivers pay for car insurance in Carlsbad, NM?
With a little research, seniors can find affordable car insurance in Carlsbad, New Mexico. Here’s a look at how the top Carlsbad car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,362 | $2,495 |
| Farmers | $2,390 | $2,535 |
| Geico | $2,668 | $2,668 |
| Nationwide | $2,315 | $2,436 |
| Progressive | $1,438 | $1,448 |
| State Farm | $1,501 | $1,501 |
| USAA | $1,370 | $1,363 |
How does coverage level affect Carlsbad, NM car insurance rates?
How much coverage do you need? Are you comfortable with the New Mexico minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Carlsbad, NM car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,062 | $4,214 | $4,387 |
| Farmers | $4,312 | $4,652 | $5,108 |
| Geico | $4,154 | $4,433 | $4,747 |
| Nationwide | $3,704 | $3,712 | $3,802 |
| Progressive | $2,803 | $2,938 | $3,072 |
| State Farm | $2,348 | $2,574 | $2,774 |
| USAA | $1,967 | $2,139 | $2,280 |
How does your driving record affect Carlsbad, NM car insurance rates?
Safe driving pays off. The more traffic violations you have in Carlsbad, NM, the higher your car insurance rates will be. Compare rates based on driving infractions from top Carlsbad, New Mexico companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,542 | $4,585 | $4,820 | $3,935 |
| Farmers | $3,973 | $5,094 | $4,974 | $4,722 |
| Geico | $2,626 | $4,205 | $8,321 | $2,626 |
| Nationwide | $2,773 | $3,925 | $5,105 | $3,154 |
| Progressive | $2,547 | $3,459 | $2,739 | $3,005 |
| State Farm | $2,406 | $2,618 | $2,618 | $2,618 |
| USAA | $1,578 | $2,195 | $2,905 | $1,837 |
How does a DUI affect Carlsbad, NM car insurance rates?
With even one DUI on your record, you can see an increase in your Carlsbad, NM car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,820 |
| Farmers | $4,974 |
| Geico | $8,321 |
| Nationwide | $5,105 |
| Progressive | $2,739 |
| State Farm | $2,618 |
| USAA | $2,905 |
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How does your credit history affect Carlsbad, NM car insurance rates?
Take a look at the data here to see how your Carlsbad, New Mexico car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,919 | $4,042 | $3,701 |
| Farmers | $5,388 | $4,450 | $4,234 |
| Geico | $4,997 | $4,333 | $4,004 |
| Nationwide | $4,575 | $3,553 | $3,090 |
| Progressive | $3,231 | $2,871 | $2,710 |
| State Farm | $3,674 | $2,249 | $1,772 |
| USAA | $2,656 | $1,996 | $1,734 |
How does your commute affect Carlsbad, NM car insurance rates?
Carlsbad, NM car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New Mexico can be seen here. Remember, though, that you may have to carry substantially more car insurance in Carlsbad if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,221 | $4,221 |
| Farmers | $4,691 | $4,691 |
| Geico | $4,378 | $4,511 |
| Nationwide | $3,739 | $3,739 |
| Progressive | $2,938 | $2,938 |
| State Farm | $2,500 | $2,630 |
| USAA | $2,065 | $2,192 |
Who has the cheapest Carlsbad, NM car insurance rates?
Here’s a breakdown of Carlsbad, New Mexico car insurance rates by company. You can see which company offers the cheapest Carlsbad car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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What are the top Carlsbad, NM car insurance companies?
Which Carlsbad, New Mexico car insurance company will best fit your needs and budget? Check out this comparison of the top Carlsbad companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,221 |
| Farmers | $4,691 |
| Geico | $4,444 |
| Nationwide | $3,739 |
| Progressive | $2,938 |
| State Farm | $2,565 |
| USAA | $2,129 |
What factors affect Carlsbad, NM car insurance rates?
Why are Carlsbad, New Mexico car insurance rates different than rates in Alamogordo or Roswell? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Carlsbad, NM?
FBI statistics show that the Carlsbad, New Mexico car theft rate is 110 thefts each year. High theft rates can lead to higher than average Carlsbad, NM car insurance rates.
How long is the average commute in Carlsbad, NM?
More time spent behind the wheel can lead to higher Carlsbad, New Mexico car insurance rates. In Carlsbad, NM, the average commute length is 19.6 minutes.
Car Insurance Quotes for Carlsbad, NM
Shop for affordable Carlsbad, New Mexico car insurance rates today. Enter your ZIP code to compare quotes from multiple Carlsbad, NM car insurance companies.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.