Buy Cheap Luna, NM Auto Insurance (2021)

Luna, NM auto insurance rates average $267 a month. Minimum auto insurance requirements in Luna, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Luna, NM, compare Luna 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 Luna, NM after a DUI are $4,106/year
  • The most expensive auto insurance company in Luna after a DUI is GEICO
  • Average auto insurance rates in Luna, NM for teens drivers are $6,185/year

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

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

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

Luna, NM Minimum Auto Insurance Requirements

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,617 $3,803 $3,480
Farmers $4,472 $3,705 $3,523
GEICO $4,787 $4,162 $3,849
Nationwide $3,907 $3,033 $2,633
Progressive $3,354 $3,004 $2,851
State Farm $2,726 $1,684 $1,335
USAA $2,659 $1,984 $1,717

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Luna, 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 $2,393 $2,405 $2,184 $2,299 $7,879 $9,096 $2,661 $2,817
Farmers $2,172 $2,165 $1,944 $2,069 $8,803 $9,064 $2,448 $2,534
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,197 $2,236 $1,997 $2,097 $5,254 $6,626 $2,473 $2,648
Progressive $1,610 $1,549 $1,464 $1,464 $6,815 $7,690 $1,949 $2,018
State Farm $1,260 $1,260 $1,142 $1,142 $3,351 $4,210 $1,407 $1,552
USAA $1,435 $1,435 $1,362 $1,367 $3,607 $4,084 $1,769 $1,902

Buy Cheap Luna, NM Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,879 $9,096
Farmers $8,803 $9,064
GEICO $7,583 $10,447
Nationwide $5,254 $6,626
Progressive $6,815 $7,690
State Farm $3,351 $4,210
USAA $3,607 $4,084

Buy Cheap Luna, NM Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,184 $2,299
Farmers $1,944 $2,069
GEICO $2,511 $2,511
Nationwide $1,997 $2,097
Progressive $1,464 $1,464
State Farm $1,142 $1,142
USAA $1,362 $1,367

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

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

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

Insurance Company Low Medium High
Allstate $3,778 $3,958 $4,164
Farmers $3,568 $3,865 $4,267
GEICO $3,990 $4,256 $4,552
Nationwide $3,150 $3,155 $3,268
Progressive $2,947 $3,070 $3,193
State Farm $1,747 $1,921 $2,079
USAA $1,978 $2,128 $2,253

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Find Cheap Luna, NM Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $3,967
Farmers $3,900 $3,900
GEICO $4,201 $4,331
Nationwide $3,191 $3,191
Progressive $3,070 $3,070
State Farm $1,868 $1,962
USAA $2,056 $2,183

Find Cheap Luna, NM Auto Insurance Rates by Driving Record

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

Annual Luna, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,280 $4,314 $4,590 $3,683
Farmers $3,296 $4,241 $4,141 $3,922
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,389 $3,349 $4,321 $2,705
Progressive $2,649 $3,643 $2,856 $3,130
State Farm $1,802 $1,953 $1,953 $1,953
USAA $1,581 $2,186 $2,874 $1,838

Find Cheap Luna, NM Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,590
Farmers $4,141
GEICO $8,009
Nationwide $4,321
Progressive $2,856
State Farm $1,953
USAA $2,874

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

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

Best Annual Auto Insurance Rates by Company in Luna, 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

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Find Cheap Luna, New Mexico Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,967
Farmers $3,900
GEICO $4,266
Nationwide $3,191
Progressive $3,070
State Farm $1,915
USAA $2,120

What affects Luna, New Mexico auto insurance rates?

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

Commute Times in Luna

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Luna, NM is 26.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Luna, NM

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

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