Best Cheap Auto Insurance in Alamogordo, NM (2021)

The average Alamogordo, NM auto insurance rates are $246 per month. The minimum auto insurance in Alamogordo is at least 25/50/10 in coverage to comply with New Mexico auto insurance laws. To find the best cheap auto insurance in Alamogordo, New Mexico, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Alamogordo is USAA
  • The most expensive auto insurance company in Alamogordo for teen drivers is Farmers
  • The minimum auto insurance required in Alamogordo, New Mexico is 25/50/10

Alamogordo, New Mexico auto insurance requirements are 25/50/10 according to New Mexico auto insurance laws. Finding cheap auto insurance in Alamogordo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Alamogordo, New Mexico, including driving record, credit, commute time, and more.

Compare auto insurance in Alamogordo to other New Mexico cities, including Carlsbad auto insurance rates, Hobbs auto insurance rates, and Farmington auto insurance rates to see how Alamogordo, New Mexico auto insurance rates stack up.

Before you buy Alamogordo, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Alamogordo, New Mexico auto insurance quotes.

Minimum Auto Insurance in Alamogordo, New Mexico

Alamogordo, New Mexico auto insurance laws require that you have at least the New Mexico minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Alamogordo, New Mexico.

Minimum Required Auto Insurance Coverage in Alamogordo, 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

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Cheap Alamogordo, New Mexico Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Alamogordo, New Mexico are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alamogordo, 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 $2,352 $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

Cheap Alamogordo, New Mexico Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Alamogordo, New Mexico is a challenge. Take a look at the annual teen auto insurance rates in Alamogordo, New Mexico.

Annual Auto Insurance Rates for Teen Drivers in Alamogordo, New Mexico

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

Cheap Alamogordo, New Mexico Auto Insurance for Seniors

What are senior auto insurance rates in Alamogordo, New Mexico? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Alamogordo, New Mexico

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

Cheap Alamogordo, New Mexico Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Alamogordo, New Mexico compared to the annual auto insurance rates with a clean record in Alamogordo, New Mexico.

Annual Alamogordo, New Mexico Auto Insurance Rates by Driving Record

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

Cheap Alamogordo, New Mexico Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Alamogordo, New Mexico is not easy. Compare the annual rates for DUI auto insurance in Alamogordo, New Mexico to find the best deal.

Annual Auto Insurance Rates After a DUI in Alamogordo, New Mexico

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

Cheap Alamogordo, New Mexico Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Alamogordo, New Mexico annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Alamogordo, New Mexico

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

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Cheap Alamogordo, New Mexico Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Alamogordo, New Mexico can vary. Compare the annual cost of auto insurance by ZIP code in Alamogordo, New Mexico to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Alamogordo, New Mexico

ZIP Code Average Annual Rates
88310 $3,103

Cheap Alamogordo, New Mexico Auto Insurance Rates By Commute

Commute length and annual mileage affect Alamogordo, New Mexico auto insurance. Find the cheapest annual Alamogordo, New Mexico auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Alamogordo, New Mexico

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Alamogordo, New Mexico Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Alamogordo, New Mexico? Check out the comparison of annual Alamogordo, New Mexico auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Alamogordo, New Mexico

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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Best By Category: Cheapest Auto Insurance in Alamogordo, New Mexico

Compare the cheapest auto insurance companies in Alamogordo, New Mexico in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Alamogordo, New Mexico

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

The Cheapest Alamogordo, New Mexico Auto Insurance Companies

What auto insurance companies in Alamogordo, New Mexico are the cheapest? Compare the top Alamogordo, New Mexico auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Alamogordo, New Mexico

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 auto insurance rates in Alamogordo, New Mexico?

There are a lot of reasons why auto insurance rates in Alamogordo, New Mexico are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alamogordo, New Mexico. Many local factors may affect your Alamogordo auto insurance rates.

Alamogordo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Alamogordo, New Mexico auto theft statistics, there have been 75 auto thefts in the city.

Alamogordo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alamogordo, New Mexico commute length is 16.2 minutes according to City-Data.

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Compare Alamogordo, New Mexico Auto Insurance Quotes

Before you buy Alamogordo, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Alamogordo, New Mexico auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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