Buy Cheap San Rafael, NM Auto Insurance (2021)

San Rafael, NM auto insurance rates average $284 a month. Minimum auto insurance requirements in San Rafael, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in San Rafael, NM, compare San Rafael 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 San Rafael is Allstate
  • Average auto insurance rates in San Rafael, NM are $284/month
  • Average auto insurance rates in San Rafael, NM for teens drivers are $6,623/year

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

See how San Rafael, NM car insurance rates compare to Alamogordo auto insurance rates, Las Cruces auto insurance rates, and Carlsbad auto insurance rates before you read more about the cost of auto insurance in San Rafael.

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

San Rafael, NM Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in San Rafael, 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 San Rafael, NM Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in San Rafael, New Mexico

Insurance Company Poor Fair Good
Allstate $5,048 $4,157 $3,804
Farmers $4,722 $3,918 $3,725
GEICO $4,787 $4,162 $3,849
Nationwide $4,158 $3,238 $2,806
Progressive $3,443 $3,095 $2,942
State Farm $3,056 $1,899 $1,511
USAA $3,042 $2,278 $1,975

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Rafael, 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 $2,596 $2,609 $2,369 $2,494 $8,655 $10,016 $2,887 $3,065
Farmers $2,278 $2,265 $2,037 $2,168 $9,349 $9,619 $2,581 $2,677
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,327 $2,361 $2,121 $2,218 $5,649 $7,089 $2,630 $2,808
Progressive $1,641 $1,574 $1,500 $1,499 $7,084 $7,963 $1,982 $2,037
State Farm $1,417 $1,417 $1,291 $1,291 $3,773 $4,725 $1,581 $1,745
USAA $1,604 $1,590 $1,531 $1,523 $4,270 $4,824 $1,987 $2,124

Buy Cheap San Rafael, NM Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Rafael, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,655 $10,016
Farmers $9,349 $9,619
GEICO $7,583 $10,447
Nationwide $5,649 $7,089
Progressive $7,084 $7,963
State Farm $3,773 $4,725
USAA $4,270 $4,824

Buy Cheap San Rafael, NM Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Rafael, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,369 $2,494
Farmers $2,037 $2,168
GEICO $2,511 $2,511
Nationwide $2,121 $2,218
Progressive $1,500 $1,499
State Farm $1,291 $1,291
USAA $1,531 $1,523

Find Cheap Auto Insurance Rates in San Rafael, NM by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Rafael, New Mexico

Insurance Company Low Medium High
Allstate $4,148 $4,328 $4,534
Farmers $3,785 $4,088 $4,492
GEICO $3,990 $4,256 $4,552
Nationwide $3,312 $3,368 $3,522
Progressive $3,008 $3,163 $3,309
State Farm $1,957 $2,160 $2,348
USAA $2,260 $2,443 $2,592

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Find Cheap San Rafael, NM Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in San Rafael, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,336 $4,336
Farmers $4,122 $4,122
GEICO $4,201 $4,331
Nationwide $3,400 $3,400
Progressive $3,160 $3,160
State Farm $2,103 $2,207
USAA $2,359 $2,504

Find Cheap San Rafael, NM Auto Insurance Rates by Driving Record

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

Annual San Rafael, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,574 $4,709 $5,037 $4,025
Farmers $3,476 $4,484 $4,377 $4,151
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,560 $3,570 $4,582 $2,890
Progressive $2,728 $3,757 $2,937 $3,217
State Farm $2,026 $2,198 $2,198 $2,198
USAA $1,803 $2,516 $3,306 $2,102

Find Cheap San Rafael, NM Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Rafael, New Mexico

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,037
Farmers $4,377
GEICO $8,009
Nationwide $4,582
Progressive $2,937
State Farm $2,198
USAA $3,306

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

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

Best Annual Auto Insurance Rates by Company in San Rafael, 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 San Rafael, New Mexico Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Rafael, New Mexico

Insurance Company Average Annual Rates
Allstate $4,336
Farmers $4,122
GEICO $4,266
Nationwide $3,400
Progressive $3,160
State Farm $2,155
USAA $2,432

What affects San Rafael, New Mexico auto insurance rates?

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

Commute Times in San Rafael

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in San Rafael, NM is 24.6 minutes according to City-Data.

Traffic in San Rafael

How is traffic in San Rafael, New Mexico? Inrix data shows that San Rafael, NM traffic makes it the 198th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in San Rafael, NM

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

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