Best Alamogordo, NM Car Insurance in 2024
Car insurance in Alamogordo, NM averages $246 a month. Alamogordo, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Alamogordo car insurance rates, compare quotes from the top car insurance companies in Alamogordo, NM.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
UPDATED: Oct 24, 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 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 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 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Alamogordo for teen drivers is USAA
- Average car insurance rates in Alamogordo, NM are $2,949/year
- The cheapest car insurance company in Alamogordo is USAA
If you need to buy Alamogordo, New Mexico car insurance, the options can be confusing. Everything you need to know about car insurance in Alamogordo, NM is right here.
You’ll find Alamogordo car insurance rates, the cheapest Alamogordo, NM car insurance companies, and information on New Mexico car insurance laws. You can also compare Alamogordo, New Mexico car insurance rates to Gallup car insurance rates, Carlsbad car insurance rates, and Hobbs car insurance rates.
Ready to find affordable Alamogordo, NM car insurance today? Enter your ZIP code for fast, free Alamogordo car insurance quotes.
Cheapest Alamogordo, NM Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Alamogordo, NM car insurance rates? Every Alamogordo, New Mexico car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Alamogordo, NM
Every driver must carry the minimum car insurance in Alamogordo, NM. Take a look at the New Mexico car insurance requirements.
| 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 Alamogordo, NM Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Alamogordo, NM. Compare credit history car insurance rates in Alamogordo from top companies for good, fair, and poor credit.
| 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 |
Cheapest Alamogordo, 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 Alamogordo, NM to rates for a clean record with top companies.
| 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 |
Cheapest Alamogordo, NM Car Insurance for Teen Drivers
Teen car insurance in Alamogordo, NM can be expensive. Take a look at rates from the top car insurance companies in Alamogordo for teenagers.
| 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 |
Cheapest Alamogordo, NM Car Insurance for Seniors
Take a look at Alamogordo, NM senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Alamogordo, NM Car Insurance Rates After a DUI
A DUI in Alamogordo, NM increases car insurance rates. Compare Alamogordo, New Mexico DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Alamogordo, NM Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Alamogordo, NM by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
The Best Cheap Car Insurance Companies in Alamogordo, NM
Take a look at a side-by-side comparison of the top car insurance companies in Alamogordo, NM to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Alamogordo, New Mexico
Find the cheapest car insurance companies in Alamogordo, NM for each category right here.
| 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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Cheapest Alamogordo, NM Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Alamogordo car insurance rates. Find the cheapest Alamogordo, NM car 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 |
What affects car insurance rates in Alamogordo, New Mexico?
What factors can have an impact on Alamogordo, NM car insurance? There are several reasons why Alamogordo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alamogordo, New Mexico.
Car Theft in Alamogordo
High levels of vehicle theft can make car insurance more expensive. Alamogordo, NM car theft statistics from the FBI indicate 75 vehicle thefts a year.
Commute Time in Alamogordo
The more time you spend in your car the higher the risk of an accident. The average commute length in Alamogordo, NM is 16.2 minutes according to City-Data.
Compare Car Insurance Quotes in Alamogordo, NM
Ready to find affordable Alamogordo, New Mexico car insurance today? Enter your ZIP code for fast, free Alamogordo, NM car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance options in Alamogordo, NM?
To compare car insurance options in Alamogordo, NM, follow these steps:
- Identify your coverage needs: Determine the types and levels of coverage you require.
- Gather information: Collect quotes from multiple insurance providers in Alamogordo, NM.
- Compare coverage and rates: Evaluate the coverage options and premiums offered by each insurer.
- Consider additional factors: Assess customer reviews, financial stability of the insurance company, and available discounts.
- Make an informed decision: Choose the car insurance policy that best meets your needs and budget.
What factors should I consider when comparing car insurance in Alamogordo, NM?
When comparing car insurance options in Alamogordo, NM, consider the following factors:
- Coverage options: Evaluate the types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection.
- Premiums: Compare the premiums quoted by different insurers for similar coverage.
- Deductibles: Consider the deductible amounts and how they affect your premiums.
- Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for anti-theft devices.
- Customer reviews: Read reviews and ratings from other policyholders to gauge the customer service and claims handling of the insurance companies.
- Financial stability: Check the financial ratings of insurance companies from reputable sources to ensure they can meet their financial obligations.
Are there any specific car insurance requirements in Alamogordo, NM?
Yes, Alamogordo, NM follows the minimum car insurance requirements mandated by the state of New Mexico. These requirements include:
- Liability insurance: Drivers in Alamogordo must carry liability insurance with minimum coverage limits of 25/50/10. This means:
- $25,000 for bodily injury or death per person in an accident
- $50,000 for bodily injury or death per accident involving multiple people
- $10,000 for property damage per accident
Can I get discounts on car insurance in Alamogordo, NM?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Alamogordo, NM. Some common discounts include:
- Safe driver discounts: Offered to drivers with a clean driving record and no at-fault accidents.
- Multi-policy discounts: Available when you bundle multiple insurance policies, such as auto and home insurance, with the same provider.
- Good student discounts: Offered to students who maintain good grades.
- Anti-theft device discounts: Provided for vehicles equipped with anti-theft devices.
- Defensive driving course discounts: Available to drivers who complete an approved defensive driving course.
How can I lower my car insurance premiums in Alamogordo, NM?
To lower your car insurance premiums in Alamogordo, NM, consider the following:
- Comparison shopping: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Increase deductibles: Opting for a higher deductible can lower your premiums. However, ensure you can afford to pay the deductible in case of an accident.
- Maintain a good driving record: Avoid accidents and traffic violations, as a clean driving record often leads to lower premiums.
- Take advantage of discounts: Inquire about all available discounts and take advantage of those you qualify for.
- Bundle policies: Consider bundling your car insurance policy with other policies, such as home
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
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.