Buy Cheap Carlsbad, NM Auto Insurance (2021)

Carlsbad, NM auto insurance rates average $294 a month. Minimum auto insurance requirements in Carlsbad, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Carlsbad, NM, compare Carlsbad auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Carlsbad, NM are $294/month
  • Average auto insurance rates in Carlsbad, NM for teens drivers are $6,734/year
  • The most expensive auto insurance company in Carlsbad is Farmers

Finding affordable Carlsbad, New Mexico auto insurance can be challenging, but everything you need to know to buy cheap Carlsbad, NM auto insurance with confidence is right here. Auto insurance rates in Carlsbad are affected by local factors as well as personal ones like your driving record.

See how Carlsbad, NM car insurance rates compare to Santa Fe auto insurance rates, Hobbs auto insurance rates, and Alamogordo auto insurance rates before you read more about the cost of auto insurance in Carlsbad.

Don’t buy Carlsbad, NM auto insurance until you’ve compared rates. Get free Carlsbad, New Mexico auto insurance quotes when you enter your ZIP code above.

Carlsbad, NM Minimum Auto Insurance Requirements

The required auto insurance in Carlsbad, NM is 25/50/10 according to the auto insurance laws in New Mexico. The minimum auto insurance in Carlsbad, New Mexico is outlined here.

Minimum Required Auto Insurance Coverage in Carlsbad, 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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Find Cheap Carlsbad, NM Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Carlsbad, NM. Take a look at Carlsbad, New Mexico auto insurance rates by credit history.

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

Insurance Company Poor Fair Good
Allstate $4,919 $4,042 $3,701
Farmers $5,388 $4,450 $4,234
GEICO $4,997 $4,333 $4,004
Nationwide $4,575 $3,553 $3,090
Progressive $3,231 $2,871 $2,710
State Farm $3,674 $2,249 $1,772
USAA $2,656 $1,996 $1,734

Buy Cheap Carlsbad, NM Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Carlsbad, New Mexico auto insurance rates? Find out how car insurance rates in Carlsbad, NM are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carlsbad, 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 $2,629 $2,670 $2,362 $2,495 $8,143 $9,314 $2,978 $3,173
Farmers $2,665 $2,662 $2,390 $2,535 $10,430 $10,744 $2,993 $3,106
GEICO $2,824 $2,906 $2,668 $2,668 $7,777 $10,704 $2,963 $3,046
Nationwide $2,556 $2,602 $2,315 $2,436 $6,186 $7,837 $2,885 $3,098
Progressive $1,594 $1,551 $1,438 $1,448 $6,368 $7,172 $1,931 $1,999
State Farm $1,656 $1,656 $1,501 $1,501 $4,559 $5,736 $1,858 $2,054
USAA $1,429 $1,416 $1,370 $1,363 $3,675 $4,144 $1,756 $1,875

Buy Cheap Carlsbad, NM Auto Insurance for Teen Drivers

Auto insurance for teenagers in Carlsbad can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Carlsbad, NM are listed here.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,143 $9,314
Farmers $10,430 $10,744
GEICO $7,777 $10,704
Nationwide $6,186 $7,837
Progressive $6,368 $7,172
State Farm $4,559 $5,736
USAA $3,675 $4,144

Buy Cheap Carlsbad, NM Auto Insurance for Seniors

You can save on senior auto insurance rates in Carlsbad, New Mexico by comparing Carlsbad senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Carlsbad, NM here.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,362 $2,495
Farmers $2,390 $2,535
GEICO $2,668 $2,668
Nationwide $2,315 $2,436
Progressive $1,438 $1,448
State Farm $1,501 $1,501
USAA $1,370 $1,363

Find Cheap Auto Insurance Rates in Carlsbad, NM by Coverage Level

The amount of coverage you choose is a big factor in the cost of Carlsbad, New Mexico auto insurance. Compare Carlsbad, NM auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,062 $4,214 $4,387
Farmers $4,312 $4,652 $5,108
GEICO $4,154 $4,433 $4,747
Nationwide $3,704 $3,712 $3,802
Progressive $2,803 $2,938 $3,072
State Farm $2,348 $2,574 $2,774
USAA $1,967 $2,139 $2,280

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Find Cheap Carlsbad, NM Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Carlsbad. Compare auto insurance rates in Carlsbad, NM by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,221 $4,221
Farmers $4,691 $4,691
GEICO $4,378 $4,511
Nationwide $3,739 $3,739
Progressive $2,938 $2,938
State Farm $2,500 $2,630
USAA $2,065 $2,192

Find Cheap Carlsbad, NM Auto Insurance Rates by Driving Record

Auto insurance rates in Carlsbad, New Mexico are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Carlsbad, NM, take a look at the average cost for various violations versus rates for a clean driving record in Carlsbad.

Annual Carlsbad, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,542 $4,585 $4,820 $3,935
Farmers $3,973 $5,094 $4,974 $4,722
GEICO $2,626 $4,205 $8,321 $2,626
Nationwide $2,773 $3,925 $5,105 $3,154
Progressive $2,547 $3,459 $2,739 $3,005
State Farm $2,406 $2,618 $2,618 $2,618
USAA $1,578 $2,195 $2,905 $1,837

Find Cheap Carlsbad, NM Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Carlsbad, New Mexico is higher than for a clean driving record. You can buy auto insurance after a DUI in Carlsbad for less when you shop around and compare rates from multiple Carlsbad, NM auto insurance companies.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,820
Farmers $4,974
GEICO $8,321
Nationwide $5,105
Progressive $2,739
State Farm $2,618
USAA $2,905

Winners by Category: Where to Buy Cheap Auto Insurance in Carlsbad, NM

Compare rates from the cheapest auto insurance companies in Carlsbad, NM for your needs. Take a look at how Carlsbad, New Mexico auto insurance companies stack up for each category.

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

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

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Find Cheap Carlsbad, New Mexico Auto Insurance Companies

If you’re looking for the cheapest Carlsbad, NM auto insurance companies overall, you can compare them here. Find the best price for Carlsbad, New Mexico car insurance by company.

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

Insurance Company Average Annual Rates
Allstate $4,221
Farmers $4,691
GEICO $4,444
Nationwide $3,739
Progressive $2,938
State Farm $2,565
USAA $2,129

What affects Carlsbad, New Mexico auto insurance rates?

Local factors affect auto insurance rates in Carlsbad, NM, including traffic, theft statistics, and commute length. Take a look at the things that impact Carlsbad auto insurance rates.

Auto Theft in Carlsbad

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Carlsbad, NM auto theft show a total of 110 vehicle thefts annually.

Commute Times in Carlsbad

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Carlsbad, NM is 19.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Carlsbad, NM

You can buy cheap Carlsbad, NM auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Carlsbad, New Mexico auto insurance quotes from top companies.

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