Buy Cheap Ruidoso Downs, NM Auto Insurance (2021)

Ruidoso Downs, NM auto insurance rates average $274 a month. Minimum auto insurance requirements in Ruidoso Downs, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Ruidoso Downs, NM, compare Ruidoso Downs 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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Ruidoso Downs, NM are $274/month
  • The most expensive auto insurance company in Ruidoso Downs after a DUI is GEICO
  • Average auto insurance rates in Ruidoso Downs, NM after a DUI are $4,189/year

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

See how Ruidoso Downs, NM car insurance rates compare to Carlsbad auto insurance rates, Roswell auto insurance rates, and Albuquerque auto insurance rates before you read more about the cost of auto insurance in Ruidoso Downs.

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

Ruidoso Downs, NM Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Ruidoso Downs, 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 Ruidoso Downs, NM Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Ruidoso Downs, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,530 $3,749 $3,563
GEICO $4,787 $4,162 $3,849
Nationwide $4,047 $3,140 $2,728
Progressive $3,590 $3,193 $3,016
State Farm $3,206 $1,970 $1,556
USAA $2,602 $1,941 $1,680

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ruidoso Downs, 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 $2,201 $2,188 $1,971 $2,097 $8,899 $9,143 $2,492 $2,588
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,273 $2,314 $2,064 $2,169 $5,441 $6,874 $2,559 $2,744
Progressive $1,755 $1,703 $1,582 $1,591 $7,125 $8,038 $2,129 $2,210
State Farm $1,475 $1,475 $1,329 $1,329 $3,928 $4,941 $1,649 $1,829
USAA $1,405 $1,404 $1,333 $1,337 $3,535 $3,998 $1,728 $1,856

Buy Cheap Ruidoso Downs, NM Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ruidoso Downs, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $8,899 $9,143
GEICO $7,583 $10,447
Nationwide $5,441 $6,874
Progressive $7,125 $8,038
State Farm $3,928 $4,941
USAA $3,535 $3,998

Buy Cheap Ruidoso Downs, NM Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ruidoso Downs, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $1,971 $2,097
GEICO $2,511 $2,511
Nationwide $2,064 $2,169
Progressive $1,582 $1,591
State Farm $1,329 $1,329
USAA $1,333 $1,337

Find Cheap Auto Insurance Rates in Ruidoso Downs, NM by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ruidoso Downs, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,631 $3,915 $4,295
GEICO $3,990 $4,256 $4,552
Nationwide $3,266 $3,271 $3,378
Progressive $3,128 $3,266 $3,406
State Farm $2,065 $2,251 $2,417
USAA $1,938 $2,083 $2,203

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Find Cheap Ruidoso Downs, NM Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Ruidoso Downs, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $3,947 $3,947
GEICO $4,201 $4,331
Nationwide $3,305 $3,305
Progressive $3,267 $3,267
State Farm $2,190 $2,299
USAA $2,012 $2,137

Find Cheap Ruidoso Downs, NM Auto Insurance Rates by Driving Record

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

Annual Ruidoso Downs, 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 $3,329 $4,291 $4,189 $3,980
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,466 $3,469 $4,488 $2,797
Progressive $2,825 $3,857 $3,044 $3,341
State Farm $2,112 $2,289 $2,289 $2,289
USAA $1,547 $2,140 $2,812 $1,799

Find Cheap Ruidoso Downs, NM Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ruidoso Downs, New Mexico

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,496
Farmers $4,189
GEICO $8,009
Nationwide $4,488
Progressive $3,044
State Farm $2,289
USAA $2,812

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

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

Best Annual Auto Insurance Rates by Company in Ruidoso Downs, New Mexico

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

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Find Cheap Ruidoso Downs, New Mexico Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ruidoso Downs, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $3,947
GEICO $4,266
Nationwide $3,305
Progressive $3,267
State Farm $2,244
USAA $2,075

What affects Ruidoso Downs, New Mexico auto insurance rates?

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

Auto Theft in Ruidoso Downs

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Ruidoso Downs, NM auto theft show a total of 6 vehicle thefts annually.

Commute Times in Ruidoso Downs

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ruidoso Downs, NM is 14.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Ruidoso Downs, NM

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

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