Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in New Mexico Average car insurance cost in New Mexico In New Mexico, a full-coverage car insurance policy will cost you an average of $2,486 annually or $207 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 18, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in New Mexico, your monthly cost for full coverage car insurance is $207, which adds up to $2,486 per year. For minimum coverage, expect to pay an average of $40 monthly, or $475 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,486 Average per month cost $207 Average cost for state minimum coverage $728 / Year Cheapest car insurance company GEICO($1,502 / Year) Average cost for young drivers $3,864 / Year Average cost for Senior drivers $2,420 / Year Average car insurance cost in New MexicoIf you live in New Mexico can expect to pay an average of $207 per month for full coverage car insurance – that’s $2,486 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $40 monthly or $475 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in New MexicoGEICO provides the lowest full coverage rates, for an average cost of $1,502 per year or $125 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Central Insurance also offers affordable insurance coverage to New Mexico drivers at an average cost of $1,952 a year or $163 per month.Although these insurers offer some of the most affordable average rates in New Mexico, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in New Mexico Graph Table Company nameAverage per month costAverage annual costGEICO$125$1,502Central Insurance$163$1,952Progressive$170$2,046Nationwide$212$2,547State Farm$220$2,640Farmers$230$2,765Allstate$250$2,995Kemper$287$3,449Iowa Farm Bureau$312$3,743USAA*$105$1,254*USAA is only available to military community members and their families.Powered by: New Mexico car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra New Mexico Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State New Mexico Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,023/year Full Coverage$2,545/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in New MexicoYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $40 a month, or about $475 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in New Mexico pay around $207 per month, or roughly $2,486 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$475Liability only$728Full coverage$2,486Non-owner state minimum liability$334Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in New Mexico by citySee rates in your cityRio Rancho Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in New Mexico by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Albuquerque, Hobbs or Rio Rancho, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Alamogordo or Farmington pay significantly low insurance rates, on average between $2,097 and $2,177 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costAlamogordo$2,097Farmington$2,177Las Cruces$2,287Santa Fe$2,437Carlsbad$2,540Clovis$2,574Roswell$2,612Rio Rancho$2,621Hobbs$2,665Albuquerque$2,878Powered by:Average car insurance cost in New Mexico by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in New Mexico, based on age and gender.Average car insurance cost in New Mexico for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in New Mexico pays an average of $5,134 annually for car insurance, compared to $4,543 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,949 per year for male drivers and $2,759 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,134$4,54321$4,217$3,78222$3,917$3,56623$3,570$3,30724$3,423$3,189Powered by:Average car insurance cost in New Mexico for adult driversAn adult driver aged 25-60 in New Mexico pays $2,505 annually for full coverage, or around $209 each month. Women in the same age group pay $2,449 per year or $204 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,949$2,75930$2,631$2,59835$2,549$2,52740$2,492$2,48045$2,444$2,43250$2,377$2,33755$2,335$2,27160$2,271$2,193Powered by:Average car insurance cost in New Mexico for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,335 annually, while women pay $2,247.By 70, average rates go up to $2,436 for men and $2,330 for women. At age 75, costs increase further, reaching $2,652 for men and $2,516 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,335$2,24770$2,436$2,33075$2,652$2,516Powered by:Minimum car insurance requirements in New MexicoWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in New Mexico can help you avoid fines and make smarter choices about your coverage.Drivers in New Mexico must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in New MexicoInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $1,994 a year, closely followed by Hyundai Venue, with an average annual car insurance cost of $2,029.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumHonda CR-V$1,994Hyundai Venue$2,029Honda HR-V$2,065Chevrolet Express$2,068Volkswagen Tiguan$2,070Mini Cooper Electric$2,074GMC Savana$2,099Mazda CX-5$2,103Chevrolet TrailBlazer$2,106Subaru Outback$2,111Powered by:Most expensive cars to insure in New MexicoMaserati Quattroporte stands out as the most expensive car to insure in New Mexico, with an average annual cost of $7,972.The table below shows the most expensive vehicles to insure in New Mexico along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$7,972Maserati Ghibli$7,350BMW M8 Gran Coupe$6,253Audi RS7$6,132Audi S8$5,874Nissan GT-R$5,866Audi RS6$5,776BMW M8$5,692Audi RS Q8$5,649BMW X6 M$5,607Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limits Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in New MexicoCheapest car insurance companies in New MexicoAverage cost of car insurance by coverage levels in New MexicoAverage car insurance cost in New Mexico by cityAverage car insurance cost in New Mexico by ageMinimum car insurance requirements in New MexicoCheapest cars to insure in New MexicoMost expensive cars to insure in New MexicoMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330