Buy Cheap Alamogordo, NM Auto Insurance in 2024
Alamogordo, NM auto insurance rates average $246 a month. Minimum auto insurance requirements in Alamogordo, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Alamogordo, NM, compare Alamogordo auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
- The most expensive auto insurance company in Alamogordo after a DUI is Geico
- Average auto insurance rates in Alamogordo, NM after a DUI are $3,780/year
- Average auto insurance rates in Alamogordo, NM are $246/month
Finding affordable Alamogordo, New Mexico auto insurance can be challenging, but everything you need to know to buy cheap Alamogordo, NM auto insurance with confidence is right here. Auto insurance rates in Alamogordo are affected by local factors as well as personal ones like your driving record.
See how Alamogordo, NM car insurance rates compare to Las Cruces auto insurance rates, Roswell auto insurance rates, and Carlsbad auto insurance rates before you read more about the cost of auto insurance in Alamogordo.
Don’t buy Alamogordo, NM auto insurance until you’ve compared rates. Get free Alamogordo, New Mexico auto insurance quotes when you enter your ZIP code above.
Alamogordo, NM Minimum Auto Insurance Requirements
The required auto insurance in Alamogordo, NM is 25/50/10 according to the auto insurance laws in New Mexico. The minimum auto insurance in Alamogordo, New Mexico is outlined here.
| 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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Find Cheap Alamogordo, NM Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Alamogordo, NM. Take a look at Alamogordo, New Mexico auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,518 | $3,728 | $3,413 |
| Farmers | $4,193 | $3,470 | $3,300 |
| Geico | $4,357 | $3,795 | $3,512 |
| Nationwide | $3,495 | $2,720 | $2,363 |
| Progressive | $2,669 | $2,374 | $2,242 |
| State Farm | $2,835 | $1,749 | $1,385 |
| USAA | $2,413 | $1,817 | $1,580 |
Buy Cheap Alamogordo, NM Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Alamogordo, New Mexico auto insurance rates? Find out how car insurance rates in Alamogordo, NM are impacted by demographics.
| 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 | $2,352 | $2,368 | $2,144 | $2,257 | $7,693 | $8,879 | $2,619 | $2,778 |
| Farmers | $2,043 | $2,035 | $1,830 | $1,951 | $8,240 | $8,466 | $2,297 | $2,372 |
| Geico | $2,412 | $2,478 | $2,269 | $2,269 | $7,018 | $9,580 | $2,537 | $2,540 |
| Nationwide | $1,974 | $2,006 | $1,799 | $1,885 | $4,704 | $5,912 | $2,222 | $2,374 |
| Progressive | $1,333 | $1,296 | $1,209 | $1,217 | $5,237 | $5,878 | $1,602 | $1,656 |
| State Farm | $1,295 | $1,295 | $1,178 | $1,178 | $3,514 | $4,409 | $1,448 | $1,600 |
| USAA | $1,312 | $1,300 | $1,260 | $1,253 | $3,322 | $3,737 | $1,602 | $1,706 |
Buy Cheap Alamogordo, NM Auto Insurance for Teen Drivers
Auto insurance for teenagers in Alamogordo can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Alamogordo, NM are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,693 | $8,879 |
| Farmers | $8,240 | $8,466 |
| Geico | $7,018 | $9,580 |
| Nationwide | $4,704 | $5,912 |
| Progressive | $5,237 | $5,878 |
| State Farm | $3,514 | $4,409 |
| USAA | $3,322 | $3,737 |
Buy Cheap Alamogordo, NM Auto Insurance for Seniors
You can save on senior auto insurance rates in Alamogordo, New Mexico by comparing Alamogordo senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Alamogordo, NM here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,144 | $2,257 |
| Farmers | $1,830 | $1,951 |
| Geico | $2,269 | $2,269 |
| Nationwide | $1,799 | $1,885 |
| Progressive | $1,209 | $1,217 |
| State Farm | $1,178 | $1,178 |
| USAA | $1,260 | $1,253 |
Find Cheap Auto Insurance Rates in Alamogordo, NM by Coverage Level
The amount of coverage you choose is a big factor in the cost of Alamogordo, New Mexico auto insurance. Compare Alamogordo, NM auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,727 | $3,879 | $4,052 |
| Farmers | $3,338 | $3,622 | $4,002 |
| Geico | $3,606 | $3,879 | $4,179 |
| Nationwide | $2,801 | $2,830 | $2,947 |
| Progressive | $2,314 | $2,426 | $2,545 |
| State Farm | $1,812 | $1,996 | $2,161 |
| USAA | $1,786 | $1,946 | $2,078 |
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Find Cheap Alamogordo, NM Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Alamogordo. Compare auto insurance rates in Alamogordo, NM by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,886 | $3,886 |
| Farmers | $3,654 | $3,654 |
| Geico | $3,828 | $3,948 |
| Nationwide | $2,859 | $2,859 |
| Progressive | $2,428 | $2,428 |
| State Farm | $1,940 | $2,039 |
| USAA | $1,879 | $1,994 |
Find Cheap Alamogordo, NM Auto Insurance Rates by Driving Record
Auto insurance rates in Alamogordo, New Mexico are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Alamogordo, NM, take a look at the average cost for various violations versus rates for a clean driving record in Alamogordo.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,219 | $4,218 | $4,496 | $3,612 |
| Farmers | $3,088 | $3,975 | $3,882 | $3,672 |
| Geico | $2,295 | $3,678 | $7,283 | $2,295 |
| Nationwide | $2,153 | $3,001 | $3,854 | $2,431 |
| Progressive | $2,110 | $2,854 | $2,269 | $2,481 |
| State Farm | $1,868 | $2,030 | $2,030 | $2,030 |
| USAA | $1,435 | $1,994 | $2,648 | $1,669 |
Find Cheap Alamogordo, NM Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Alamogordo, New Mexico is higher than for a clean driving record. You can buy auto insurance after a DUI in Alamogordo for less when you shop around and compare rates from multiple Alamogordo, NM auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,496 |
| Farmers | $3,882 |
| Geico | $7,283 |
| Nationwide | $3,854 |
| Progressive | $2,269 |
| State Farm | $2,030 |
| USAA | $2,648 |
Winners by Category: Where to Buy Cheap Auto Insurance in Alamogordo, NM
Compare rates from the cheapest auto insurance companies in Alamogordo, NM for your needs. Take a look at how Alamogordo, New Mexico auto insurance companies stack up for each category.
| 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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Find Cheap Alamogordo, New Mexico Auto Insurance Companies
If you’re looking for the cheapest Alamogordo, NM auto insurance companies overall, you can compare them here. Find the best price for Alamogordo, New Mexico car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,886 |
| Farmers | $3,654 |
| Geico | $3,888 |
| Nationwide | $2,859 |
| Progressive | $2,428 |
| State Farm | $1,990 |
| USAA | $1,937 |
What affects Alamogordo, New Mexico auto insurance rates?
Local factors affect auto insurance rates in Alamogordo, NM, including traffic, theft statistics, and commute length. Take a look at the things that impact Alamogordo auto insurance rates.
Auto Theft in Alamogordo
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Alamogordo, NM auto theft show a total of 75 vehicle thefts annually.
Commute Times in Alamogordo
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Alamogordo, NM is 16.2 minutes according to City-Data.
Compare Auto Insurance Quotes in Alamogordo, NM
You can buy cheap Alamogordo, NM auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Alamogordo, New Mexico auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Alamogordo, NM?
To find cheap auto insurance in Alamogordo, NM, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options. You can contact insurance companies directly or use online comparison tools.
- Evaluate coverage needs: Assess your specific coverage requirements, such as liability limits, collision coverage, comprehensive coverage, and any additional optional coverages you may need.
- Look for discounts: Inquire about available discounts, such as safe driver discounts, multi-vehicle discounts, bundled insurance discounts, or discounts for certain safety features installed in your vehicle.
- Maintain a good driving record: A clean driving record can often lead to lower insurance premiums. Avoid traffic violations and accidents to keep your rates affordable.
- Opt for a higher deductible: Choosing a higher deductible can lower your premium, but make sure you can afford the deductible amount in case of a claim.
- Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your premium is based on your driving habits. If you have good driving habits, this could result in lower rates.
Are there any specific auto insurance companies known for offering cheap rates in Alamogordo, NM?
The availability of cheap auto insurance can vary based on individual circumstances. However, some insurance companies in Alamogordo, NM, that are often known for competitive rates include:
- GEICO
- State Farm
- Progressive
- Allstate
- Farmers Insurance
What are the minimum auto insurance requirements in New Mexico?
In New Mexico, the minimum auto insurance requirements are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Can I switch my auto insurance provider to get a cheaper rate in Alamogordo, NM?
Yes, you can switch your auto insurance provider to obtain a cheaper rate in Alamogordo, NM. Before making the switch, review your existing policy, understand any cancellation fees or refund policies, and ensure there are no coverage gaps when transitioning between companies. Obtain quotes from multiple insurance providers, compare coverages, and consider any potential discounts or benefits offered for switching to a new company.
Are there any state-specific requirements or laws to consider when buying auto insurance in Alamogordo, NM?
Yes, when buying auto insurance in Alamogordo, NM, it’s important to comply with the state’s specific requirements. New Mexico law requires drivers to have at least the minimum liability coverage mentioned earlier. It’s crucial to familiarize yourself with New Mexico’s insurance laws and consult with an insurance professional if you have any specific questions or concerns.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.