Best Cheap Auto Insurance in Santa Fe, NM (2021)

The average Santa Fe, NM auto insurance rates are $304 per month. The minimum auto insurance in Santa Fe is at least 25/50/10 in coverage to comply with New Mexico auto insurance laws. To find the best cheap auto insurance in Santa Fe, 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 17, 2021

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Things to Remember

  • Average auto insurance rates in Santa Fe, NM for senior drivers are $2,049 per year
  • The most expensive auto insurance company in Santa Fe for teen drivers is Farmers
  • The minimum auto insurance required in Santa Fe, New Mexico is 25/50/10

Santa Fe, New Mexico auto insurance requirements are 25/50/10 according to New Mexico auto insurance laws. Finding cheap auto insurance in Santa Fe 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 Santa Fe, New Mexico, including driving record, credit, commute time, and more.

Compare auto insurance in Santa Fe to other New Mexico cities, including Alamogordo auto insurance rates, Santa Fe auto insurance rates, and Clovis auto insurance rates to see how Santa Fe, New Mexico auto insurance rates stack up.

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

Minimum Auto Insurance in Santa Fe, New Mexico

Santa Fe, 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 Santa Fe, New Mexico.

Minimum Required Auto Insurance Coverage in Santa Fe, 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 Santa Fe, New Mexico Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Santa Fe, 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 Santa Fe, 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 $2,504 $2,501 $2,309 $2,425 $8,700 $10,119 $2,752 $2,908
Farmers $2,478 $2,467 $2,218 $2,377 $10,278 $10,545 $2,777 $2,846
GEICO $2,893 $2,967 $2,716 $2,716 $8,574 $11,673 $3,043 $3,007
Nationwide $2,457 $2,491 $2,236 $2,339 $6,049 $7,596 $2,785 $2,975
Progressive $1,690 $1,624 $1,546 $1,544 $7,221 $8,132 $2,039 $2,096
State Farm $1,649 $1,649 $1,511 $1,511 $4,592 $5,753 $1,848 $2,038
USAA $1,705 $1,689 $1,625 $1,613 $4,637 $5,241 $2,119 $2,265

Cheap Santa Fe, New Mexico Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Santa Fe, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,700 $10,119
Farmers $10,278 $10,545
GEICO $8,574 $11,673
Nationwide $6,049 $7,596
Progressive $7,221 $8,132
State Farm $4,592 $5,753
USAA $4,637 $5,241

Cheap Santa Fe, New Mexico Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Santa Fe, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,309 $2,425
Farmers $2,218 $2,377
GEICO $2,716 $2,716
Nationwide $2,236 $2,339
Progressive $1,546 $1,544
State Farm $1,511 $1,511
USAA $1,625 $1,613

Cheap Santa Fe, 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 Santa Fe, New Mexico compared to the annual auto insurance rates with a clean record in Santa Fe, New Mexico.

Annual Santa Fe, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,494 $4,646 $5,009 $3,960
Farmers $3,798 $4,902 $4,788 $4,504
GEICO $2,790 $4,448 $8,767 $2,790
Nationwide $2,714 $3,796 $4,886 $3,069
Progressive $2,793 $3,848 $3,009 $3,297
State Farm $2,405 $2,623 $2,623 $2,623
USAA $1,936 $2,707 $3,542 $2,260

Cheap Santa Fe, New Mexico Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Santa Fe, New Mexico

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,009
Farmers $4,788
GEICO $8,767
Nationwide $4,886
Progressive $3,009
State Farm $2,623
USAA $3,542

Cheap Santa Fe, New Mexico Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Santa Fe, New Mexico

Insurance Company Poor Fair Good
Allstate $4,969 $4,108 $3,755
Farmers $5,160 $4,273 $4,061
GEICO $5,261 $4,587 $4,247
Nationwide $4,416 $3,446 $2,986
Progressive $3,533 $3,169 $3,008
State Farm $3,659 $2,258 $1,789
USAA $3,274 $2,445 $2,116

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Cheap Santa Fe, New Mexico Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Santa Fe, New Mexico

ZIP Code Average Annual Rates
87501 $3,857
87505 $3,831
87506 $3,917
87507 $3,868
87508 $3,923

Cheap Santa Fe, New Mexico Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Santa Fe, New Mexico

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,277 $4,277
Farmers $4,498 $4,498
GEICO $4,626 $4,771
Nationwide $3,616 $3,616
Progressive $3,237 $3,237
State Farm $2,504 $2,633
USAA $2,534 $2,689

Cheap Santa Fe, New Mexico Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Santa Fe, New Mexico

Insurance Company Low Medium High
Allstate $4,089 $4,269 $4,474
Farmers $4,060 $4,451 $4,983
GEICO $4,341 $4,685 $5,069
Nationwide $3,534 $3,588 $3,726
Progressive $3,062 $3,237 $3,411
State Farm $2,325 $2,578 $2,804
USAA $2,438 $2,624 $2,773

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Best By Category: Cheapest Auto Insurance in Santa Fe, New Mexico

Compare the cheapest auto insurance companies in Santa Fe, 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 Santa Fe, New Mexico

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Santa Fe, New Mexico Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Santa Fe, New Mexico

Insurance Company Average Annual Rates
Allstate $4,277
Farmers $4,498
GEICO $4,699
Nationwide $3,616
Progressive $3,237
State Farm $2,569
USAA $2,612

What affects auto insurance rates in Santa Fe, New Mexico?

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

Santa Fe Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Santa Fe, New Mexico auto theft statistics, there have been 222 auto thefts in the city.

Santa Fe Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Santa Fe, New Mexico commute length is 24.2 minutes according to City-Data.

Santa Fe Traffic

How does Santa Fe, New Mexico rank for traffic? According to Inrix Santa Fe, New Mexico is the 775th most congested worldwide.

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Compare Santa Fe, New Mexico Auto Insurance Quotes

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