Buy Cheap Gallup, NM Auto Insurance (2021)

Gallup, NM auto insurance rates average $275 a month. Minimum auto insurance requirements in Gallup, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Gallup, NM, compare Gallup 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 Gallup, NM after a DUI are $4,232/year
  • The most expensive auto insurance company in Gallup is GEICO
  • Average auto insurance rates in Gallup, NM for teens drivers are $6,421/year

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

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

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

Gallup, NM Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,833 $3,989 $3,649
Farmers $4,679 $3,881 $3,689
GEICO $4,719 $4,112 $3,806
Nationwide $4,158 $3,238 $2,806
Progressive $3,005 $2,692 $2,555
State Farm $2,966 $1,845 $1,470
USAA $2,999 $2,248 $1,950

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gallup, 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 $2,447 $2,447 $2,252 $2,366 $8,414 $9,783 $2,694 $2,853
Farmers $2,257 $2,245 $2,018 $2,148 $9,258 $9,525 $2,558 $2,655
GEICO $2,600 $2,669 $2,442 $2,442 $7,617 $10,449 $2,743 $2,739
Nationwide $2,327 $2,361 $2,121 $2,218 $5,649 $7,089 $2,630 $2,808
Progressive $1,449 $1,395 $1,324 $1,323 $6,092 $6,871 $1,747 $1,804
State Farm $1,370 $1,370 $1,252 $1,252 $3,682 $4,604 $1,529 $1,689
USAA $1,579 $1,562 $1,510 $1,498 $4,233 $4,775 $1,952 $2,082

Buy Cheap Gallup, NM Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $9,783
Farmers $9,258 $9,525
GEICO $7,617 $10,449
Nationwide $5,649 $7,089
Progressive $6,092 $6,871
State Farm $3,682 $4,604
USAA $4,233 $4,775

Buy Cheap Gallup, NM Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,252 $2,366
Farmers $2,018 $2,148
GEICO $2,442 $2,442
Nationwide $2,121 $2,218
Progressive $1,324 $1,323
State Farm $1,252 $1,252
USAA $1,510 $1,498

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

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

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

Insurance Company Low Medium High
Allstate $3,968 $4,148 $4,354
Farmers $3,749 $4,049 $4,452
GEICO $3,928 $4,201 $4,509
Nationwide $3,312 $3,368 $3,522
Progressive $2,621 $2,750 $2,880
State Farm $1,897 $2,099 $2,285
USAA $2,226 $2,411 $2,560

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Find Cheap Gallup, NM Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,157 $4,157
Farmers $4,083 $4,083
GEICO $4,148 $4,277
Nationwide $3,400 $3,400
Progressive $2,751 $2,751
State Farm $2,043 $2,144
USAA $2,327 $2,470

Find Cheap Gallup, NM Auto Insurance Rates by ZIP Code

Auto insurance rates in Gallup, New Mexico can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Gallup, NM to see how much where you live in Gallup affects the cost of car insurance.

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

ZIP Code Average Annual Rates
87301 $3,479
87305 $3,486

Find Cheap Gallup, NM Auto Insurance Rates by Driving Record

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

Annual Gallup, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,401 $4,513 $4,864 $3,851
Farmers $3,443 $4,441 $4,335 $4,113
GEICO $2,493 $3,986 $7,878 $2,493
Nationwide $2,560 $3,570 $4,582 $2,890
Progressive $2,376 $3,263 $2,561 $2,803
State Farm $1,966 $2,136 $2,136 $2,136
USAA $1,776 $2,483 $3,266 $2,071

Find Cheap Gallup, NM Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,864
Farmers $4,335
GEICO $7,878
Nationwide $4,582
Progressive $2,561
State Farm $2,136
USAA $3,266

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

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

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

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

Find Cheap Gallup, New Mexico Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,157
Farmers $4,083
GEICO $4,213
Nationwide $3,400
Progressive $2,751
State Farm $2,094
USAA $2,399

What affects Gallup, New Mexico auto insurance rates?

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

Auto Theft in Gallup

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gallup, NM auto theft show a total of 164 vehicle thefts annually.

Commute Times in Gallup

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gallup, NM is 12.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Gallup, NM

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

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