Buy Cheap Luna, NM Auto Insurance in 2024
Luna, NM auto insurance rates average $267 a month. Minimum auto insurance requirements in Luna, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Luna, NM, compare Luna auto insurance quotes from top companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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
- Average auto insurance rates in Luna, NM after a DUI are $4,106/year
- The most expensive auto insurance company in Luna after a DUI is Geico
- Average auto insurance rates in Luna, NM for teens drivers are $6,185/year
Finding affordable Luna, New Mexico auto insurance can be challenging, but everything you need to know to buy cheap Luna, NM auto insurance with confidence is right here. Auto insurance rates in Luna are affected by local factors as well as personal ones like your driving record.
See how Luna, NM car insurance rates compare to Hobbs auto insurance rates, Farmington auto insurance rates, and Gallup auto insurance rates before you read more about the cost of auto insurance in Luna.
Don’t buy Luna, NM auto insurance until you’ve compared rates. Get free Luna, New Mexico auto insurance quotes when you enter your ZIP code above.
Luna, NM Minimum Auto Insurance Requirements
The required auto insurance in Luna, NM is 25/50/10 according to the auto insurance laws in New Mexico. The minimum auto insurance in Luna, 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 Luna, NM Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Luna, NM. Take a look at Luna, New Mexico auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,617 | $3,803 | $3,480 |
| Farmers | $4,472 | $3,705 | $3,523 |
| Geico | $4,787 | $4,162 | $3,849 |
| Nationwide | $3,907 | $3,033 | $2,633 |
| Progressive | $3,354 | $3,004 | $2,851 |
| State Farm | $2,726 | $1,684 | $1,335 |
| USAA | $2,659 | $1,984 | $1,717 |
Buy Cheap Luna, NM Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Luna, New Mexico auto insurance rates? Find out how car insurance rates in Luna, 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 | $2,393 | $2,405 | $2,184 | $2,299 | $7,879 | $9,096 | $2,661 | $2,817 |
| Farmers | $2,172 | $2,165 | $1,944 | $2,069 | $8,803 | $9,064 | $2,448 | $2,534 |
| Geico | $2,666 | $2,742 | $2,511 | $2,511 | $7,583 | $10,447 | $2,811 | $2,858 |
| Nationwide | $2,197 | $2,236 | $1,997 | $2,097 | $5,254 | $6,626 | $2,473 | $2,648 |
| Progressive | $1,610 | $1,549 | $1,464 | $1,464 | $6,815 | $7,690 | $1,949 | $2,018 |
| State Farm | $1,260 | $1,260 | $1,142 | $1,142 | $3,351 | $4,210 | $1,407 | $1,552 |
| USAA | $1,435 | $1,435 | $1,362 | $1,367 | $3,607 | $4,084 | $1,769 | $1,902 |
Buy Cheap Luna, NM Auto Insurance for Teen Drivers
Auto insurance for teenagers in Luna can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Luna, NM are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,879 | $9,096 |
| Farmers | $8,803 | $9,064 |
| Geico | $7,583 | $10,447 |
| Nationwide | $5,254 | $6,626 |
| Progressive | $6,815 | $7,690 |
| State Farm | $3,351 | $4,210 |
| USAA | $3,607 | $4,084 |
Buy Cheap Luna, NM Auto Insurance for Seniors
You can save on senior auto insurance rates in Luna, New Mexico by comparing Luna senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Luna, NM here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,184 | $2,299 |
| Farmers | $1,944 | $2,069 |
| Geico | $2,511 | $2,511 |
| Nationwide | $1,997 | $2,097 |
| Progressive | $1,464 | $1,464 |
| State Farm | $1,142 | $1,142 |
| USAA | $1,362 | $1,367 |
Find Cheap Auto Insurance Rates in Luna, NM by Coverage Level
The amount of coverage you choose is a big factor in the cost of Luna, New Mexico auto insurance. Compare Luna, NM auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,778 | $3,958 | $4,164 |
| Farmers | $3,568 | $3,865 | $4,267 |
| Geico | $3,990 | $4,256 | $4,552 |
| Nationwide | $3,150 | $3,155 | $3,268 |
| Progressive | $2,947 | $3,070 | $3,193 |
| State Farm | $1,747 | $1,921 | $2,079 |
| USAA | $1,978 | $2,128 | $2,253 |
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Find Cheap Luna, NM Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Luna. Compare auto insurance rates in Luna, 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 | $3,967 | $3,967 |
| Farmers | $3,900 | $3,900 |
| Geico | $4,201 | $4,331 |
| Nationwide | $3,191 | $3,191 |
| Progressive | $3,070 | $3,070 |
| State Farm | $1,868 | $1,962 |
| USAA | $2,056 | $2,183 |
Find Cheap Luna, NM Auto Insurance Rates by Driving Record
Auto insurance rates in Luna, New Mexico are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Luna, NM, take a look at the average cost for various violations versus rates for a clean driving record in Luna.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,280 | $4,314 | $4,590 | $3,683 |
| Farmers | $3,296 | $4,241 | $4,141 | $3,922 |
| Geico | $2,511 | $4,034 | $8,009 | $2,511 |
| Nationwide | $2,389 | $3,349 | $4,321 | $2,705 |
| Progressive | $2,649 | $3,643 | $2,856 | $3,130 |
| State Farm | $1,802 | $1,953 | $1,953 | $1,953 |
| USAA | $1,581 | $2,186 | $2,874 | $1,838 |
Find Cheap Luna, NM Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Luna, New Mexico is higher than for a clean driving record. You can buy auto insurance after a DUI in Luna for less when you shop around and compare rates from multiple Luna, NM auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,590 |
| Farmers | $4,141 |
| Geico | $8,009 |
| Nationwide | $4,321 |
| Progressive | $2,856 |
| State Farm | $1,953 |
| USAA | $2,874 |
Winners by Category: Where to Buy Cheap Auto Insurance in Luna, NM
Compare rates from the cheapest auto insurance companies in Luna, NM for your needs. Take a look at how Luna, New Mexico auto insurance companies stack up for each category.
| 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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Find Cheap Luna, New Mexico Auto Insurance Companies
If you’re looking for the cheapest Luna, NM auto insurance companies overall, you can compare them here. Find the best price for Luna, New Mexico car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,967 |
| Farmers | $3,900 |
| Geico | $4,266 |
| Nationwide | $3,191 |
| Progressive | $3,070 |
| State Farm | $1,915 |
| USAA | $2,120 |
What affects Luna, New Mexico auto insurance rates?
Local factors affect auto insurance rates in Luna, NM, including traffic, theft statistics, and commute length. Take a look at the things that impact Luna auto insurance rates.
Commute Times in Luna
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Luna, NM is 26.4 minutes according to City-Data.
Compare Auto Insurance Quotes in Luna, NM
You can buy cheap Luna, NM auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Luna, New Mexico auto insurance quotes from top companies.
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Frequently Asked Questions
What factors can affect the cost of auto insurance in Luna, NM?
Several factors can impact the cost of auto insurance in Luna, NM. These factors include your age, driving record, type of vehicle, coverage options selected, deductible amount, and the level of risk associated with the area where you live. Insurance companies also consider factors such as local crime rates, population density, and the frequency of accidents in the area.
Are there any specific discounts available for auto insurance in Luna, NM?
Yes, there are various discounts available for auto insurance in Luna, NM. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same company), multi-car discounts (if you insure more than one vehicle with the same company), and discounts for safety features or anti-theft devices installed in your vehicle. It’s recommended to inquire with insurance providers about the specific discounts they offer.
How can I find cheap auto insurance in Luna, NM?
To find cheap auto insurance in Luna, NM, it’s advisable to shop around and compare quotes from different insurance providers. You can reach out to local insurance agents, use online insurance comparison tools, or consult with an insurance broker who can help you find the best rates. It’s important to consider both the price and the coverage options provided to ensure you get the most suitable insurance for your needs.
Are there any Luna, NM-specific insurance considerations I should be aware of?
While there may not be Luna, NM-specific insurance considerations, it’s essential to be aware of the requirements and regulations set by the state of New Mexico. New Mexico requires drivers to carry liability insurance coverage with minimum limits. Additionally, factors such as local weather conditions, road infrastructure, and traffic patterns in the Luna area may indirectly impact insurance rates.
What are the recommended coverage options for auto insurance in Luna, NM?
The recommended coverage options for auto insurance in Luna, NM include liability coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage. Liability coverage helps cover costs if you are at fault in an accident that causes injury or property damage to others. PIP provides coverage for medical expenses and lost wages for you and your passengers. Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who has insufficient insurance. Collision coverage helps pay for damages to your vehicle in a collision, while comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
How can I lower my auto insurance premium in Luna, NM?
There are several ways to potentially lower your auto insurance premium in Luna, NM. These include maintaining a clean driving record, opting for a higher deductible (if financially feasible), bundling your auto insurance with other policies, taking advantage of available discounts, and completing defensive driving courses. Additionally, some insurance providers offer usage-based or pay-as-you-go insurance programs that reward safe driving habits.
Is it possible to find affordable auto insurance in Luna, NM?
Yes, it is possible to find affordable auto insurance in Luna, NM. By shopping around, comparing quotes, and exploring available discounts, you can find insurance coverage that fits your budget. It’s important to consider factors beyond price, such as coverage limits and customer service, to ensure you have adequate protection in case of an accident or other unforeseen events.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.