Buy Cheap Chama, NM Auto Insurance (2021)

Chama, NM auto insurance rates average $309 a month. Minimum auto insurance requirements in Chama, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Chama, NM, compare Chama 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 Chama, NM for teens drivers are $7,215/year
  • The most expensive auto insurance company in Chama after a DUI is GEICO
  • Average auto insurance rates in Chama, NM after a DUI are $4,768/year

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

See how Chama, NM car insurance rates compare to Roswell auto insurance rates, Alamogordo auto insurance rates, and Gallup auto insurance rates before you read more about the cost of auto insurance in Chama.

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

Chama, NM Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Chama, 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 Chama, NM Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,028 $4,148 $3,795
Farmers $5,160 $4,273 $4,061
GEICO $5,580 $4,858 $4,495
Nationwide $4,388 $3,418 $2,962
Progressive $3,401 $3,031 $2,867
State Farm $4,227 $2,597 $2,050
USAA $3,168 $2,376 $2,062

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chama, 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 $2,539 $2,540 $2,335 $2,453 $8,762 $10,198 $2,797 $2,967
Farmers $2,478 $2,467 $2,218 $2,377 $10,278 $10,545 $2,777 $2,846
GEICO $3,088 $3,172 $2,903 $2,903 $8,952 $12,283 $3,255 $3,266
Nationwide $2,448 $2,485 $2,228 $2,332 $5,976 $7,514 $2,770 $2,961
Progressive $1,655 $1,603 $1,500 $1,505 $6,791 $7,662 $2,004 $2,076
State Farm $1,905 $1,905 $1,731 $1,731 $5,273 $6,606 $2,135 $2,378
USAA $1,664 $1,645 $1,593 $1,581 $4,476 $5,054 $2,064 $2,205

Buy Cheap Chama, NM Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,762 $10,198
Farmers $10,278 $10,545
GEICO $8,952 $12,283
Nationwide $5,976 $7,514
Progressive $6,791 $7,662
State Farm $5,273 $6,606
USAA $4,476 $5,054

Buy Cheap Chama, NM Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,335 $2,453
Farmers $2,218 $2,377
GEICO $2,903 $2,903
Nationwide $2,228 $2,332
Progressive $1,500 $1,505
State Farm $1,731 $1,731
USAA $1,593 $1,581

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

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

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

Insurance Company Low Medium High
Allstate $4,135 $4,315 $4,521
Farmers $4,060 $4,451 $4,983
GEICO $4,635 $4,964 $5,335
Nationwide $3,511 $3,558 $3,699
Progressive $2,961 $3,098 $3,240
State Farm $2,714 $2,967 $3,193
USAA $2,348 $2,549 $2,709

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Find Cheap Chama, NM Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,324 $4,324
Farmers $4,498 $4,498
GEICO $4,902 $5,054
Nationwide $3,589 $3,589
Progressive $3,100 $3,100
State Farm $2,886 $3,030
USAA $2,460 $2,611

Find Cheap Chama, NM Auto Insurance Rates by Driving Record

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

Annual Chama, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,533 $4,690 $5,067 $4,005
Farmers $3,798 $4,902 $4,788 $4,504
GEICO $2,945 $4,710 $9,310 $2,945
Nationwide $2,691 $3,768 $4,853 $3,045
Progressive $2,679 $3,665 $2,887 $3,166
State Farm $2,773 $3,020 $3,020 $3,020
USAA $1,877 $2,623 $3,452 $2,189

Find Cheap Chama, NM Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,067
Farmers $4,788
GEICO $9,310
Nationwide $4,853
Progressive $2,887
State Farm $3,020
USAA $3,452

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

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

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

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

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Find Cheap Chama, New Mexico Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,324
Farmers $4,498
GEICO $4,978
Nationwide $3,589
Progressive $3,100
State Farm $2,958
USAA $2,535

What affects Chama, New Mexico auto insurance rates?

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

Commute Times in Chama

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chama, NM is 25.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Chama, NM

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

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