Buy Cheap La Luz, NM Auto Insurance (2021)

La Luz, NM auto insurance rates average $257 a month. Minimum auto insurance requirements in La Luz, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in La Luz, NM, compare La Luz 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

  • The most expensive auto insurance company in La Luz is GEICO
  • Average auto insurance rates in La Luz, NM after a DUI are $3,969/year
  • The most expensive auto insurance company in La Luz after a DUI is GEICO

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

See how La Luz, NM car insurance rates compare to Albuquerque auto insurance rates, Alamogordo auto insurance rates, and Farmington auto insurance rates before you read more about the cost of auto insurance in La Luz.

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

La Luz, NM Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in La Luz, 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 La Luz, NM Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in La Luz, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,193 $3,470 $3,300
GEICO $4,787 $4,162 $3,849
Nationwide $3,495 $2,720 $2,363
Progressive $3,069 $2,734 $2,585
State Farm $2,835 $1,749 $1,385
USAA $2,656 $1,996 $1,734

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in La Luz, 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 $2,352 $2,368 $2,144 $2,257 $7,693 $8,879 $2,619 $2,778
Farmers $2,043 $2,035 $1,830 $1,951 $8,240 $8,466 $2,297 $2,372
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $1,974 $2,006 $1,799 $1,885 $4,704 $5,912 $2,222 $2,374
Progressive $1,506 $1,459 $1,368 $1,372 $6,095 $6,871 $1,816 $1,881
State Farm $1,295 $1,295 $1,178 $1,178 $3,514 $4,409 $1,448 $1,600
USAA $1,429 $1,416 $1,370 $1,363 $3,675 $4,144 $1,756 $1,875

Buy Cheap La Luz, NM Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in La Luz, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $8,240 $8,466
GEICO $7,583 $10,447
Nationwide $4,704 $5,912
Progressive $6,095 $6,871
State Farm $3,514 $4,409
USAA $3,675 $4,144

Buy Cheap La Luz, NM Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in La Luz, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $1,830 $1,951
GEICO $2,511 $2,511
Nationwide $1,799 $1,885
Progressive $1,368 $1,372
State Farm $1,178 $1,178
USAA $1,370 $1,363

Find Cheap Auto Insurance Rates in La Luz, NM by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in La Luz, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,338 $3,622 $4,002
GEICO $3,990 $4,256 $4,552
Nationwide $2,801 $2,830 $2,947
Progressive $2,666 $2,792 $2,929
State Farm $1,812 $1,996 $2,161
USAA $1,967 $2,139 $2,280

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Find Cheap La Luz, NM Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in La Luz, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $3,654 $3,654
GEICO $4,201 $4,331
Nationwide $2,859 $2,859
Progressive $2,796 $2,796
State Farm $1,940 $2,039
USAA $2,065 $2,192

Find Cheap La Luz, NM Auto Insurance Rates by Driving Record

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

Annual La Luz, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,218 $4,496 $3,612
Farmers $3,088 $3,975 $3,882 $3,672
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,153 $3,001 $3,854 $2,431
Progressive $2,419 $3,302 $2,608 $2,855
State Farm $1,868 $2,030 $2,030 $2,030
USAA $1,578 $2,195 $2,905 $1,837

Find Cheap La Luz, NM Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in La Luz, New Mexico

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,496
Farmers $3,882
GEICO $8,009
Nationwide $3,854
Progressive $2,608
State Farm $2,030
USAA $2,905

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

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

Best Annual Auto Insurance Rates by Company in La Luz, 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

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Find Cheap La Luz, New Mexico Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in La Luz, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $3,654
GEICO $4,266
Nationwide $2,859
Progressive $2,796
State Farm $1,990
USAA $2,129

What affects La Luz, New Mexico auto insurance rates?

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

Commute Times in La Luz

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in La Luz, NM is 13.8 minutes according to City-Data.

Compare Auto Insurance Quotes in La Luz, NM

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

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