Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Chama, NM are $309/month
  • The cheapest car insurance company in Chama after a DUI is Progressive
  • Average car insurance rates in Chama, NM for senior drivers are $2,099/year

Average car insurance rates in Chama, New Mexico are $309 a month. But with a little research you can get a great deal from the top car insurance companies in Chama, NM. Before you buy Chama, New Mexico car insurance, make sure your coverage meets or exceeds the New Mexico minimum of 25/50/10.

It may even be helpful to compare Chama car insurance rates with Roswell car insurance rates, Hobbs car insurance rates, or Carlsbad car insurance rates to make sure you’re getting the best Chama, NM car insurance quotes available.

Need affordable Chama, NM car insurance? Enter your ZIP code to compare Chama car insurance quotes from multiple car insurance companies near you.

Chama, NM Minimum Car Insurance Coverage

Chama, New Mexico law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Chama, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Chama, NM Car Insurance Rates by Coverage Level

Some Chama drivers can get by with the New Mexico minimum coverage of 25/50/10. Other drivers may need more. See how much your Chama, New Mexico car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Chama, New Mexico

Insurance Company Low Medium High
Allstate $4,135 $4,315 $4,521
Farmers $4,060 $4,451 $4,983
GEICO $4,635 $4,964 $5,335
Nationwide $3,511 $3,558 $3,699
Progressive $2,961 $3,098 $3,240
State Farm $2,714 $2,967 $3,193
USAA $2,348 $2,549 $2,709

Chama, NM Car Insurance Rates by Age, Gender, and Marital Status

Chama, New Mexico car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Chama, NM car insurance, get quotes from multiple car insurance companies in the Chama area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chama, 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 $2,539 $2,540 $2,335 $2,453 $8,762 $10,198 $2,797 $2,967
Farmers $2,478 $2,467 $2,218 $2,377 $10,278 $10,545 $2,777 $2,846
GEICO $3,088 $3,172 $2,903 $2,903 $8,952 $12,283 $3,255 $3,266
Nationwide $2,448 $2,485 $2,228 $2,332 $5,976 $7,514 $2,770 $2,961
Progressive $1,655 $1,603 $1,500 $1,505 $6,791 $7,662 $2,004 $2,076
State Farm $1,905 $1,905 $1,731 $1,731 $5,273 $6,606 $2,135 $2,378
USAA $1,664 $1,645 $1,593 $1,581 $4,476 $5,054 $2,064 $2,205

Chama, NM Car Insurance Rates for Teens

How much is Chama, New Mexico car insurance for teens? Compare rates from top Chama car insurance companies below to help find the cheapest teen car insurance in Chama, NM.

Annual Car Insurance Rates for Teen Drivers in Chama, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,762 $10,198
Farmers $10,278 $10,545
GEICO $8,952 $12,283
Nationwide $5,976 $7,514
Progressive $6,791 $7,662
State Farm $5,273 $6,606
USAA $4,476 $5,054

Chama, NM Car Insurance Rates for Seniors

Before seniors buy Chama, New Mexico car insurance, they should make sure to shop around. Some Chama, NM car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Chama, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,335 $2,453
Farmers $2,218 $2,377
GEICO $2,903 $2,903
Nationwide $2,228 $2,332
Progressive $1,500 $1,505
State Farm $1,731 $1,731
USAA $1,593 $1,581

Chama, NM Car Insurance Rates by Credit History

How does your credit history affect Chama, NM car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Chama, New Mexico

Insurance Company Poor Fair Good
Allstate $5,028 $4,148 $3,795
Farmers $5,160 $4,273 $4,061
GEICO $5,580 $4,858 $4,495
Nationwide $4,388 $3,418 $2,962
Progressive $3,401 $3,031 $2,867
State Farm $4,227 $2,597 $2,050
USAA $3,168 $2,376 $2,062

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Chama, NM Car Insurance Rates by Driver History

How does a single speeding ticket affect your Chama, New Mexico car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Chama.

Annual Chama, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,533 $4,690 $5,067 $4,005
Farmers $3,798 $4,902 $4,788 $4,504
GEICO $2,945 $4,710 $9,310 $2,945
Nationwide $2,691 $3,768 $4,853 $3,045
Progressive $2,679 $3,665 $2,887 $3,166
State Farm $2,773 $3,020 $3,020 $3,020
USAA $1,877 $2,623 $3,452 $2,189

Chama, NM Car Insurance Rates With a DUI

Even a single DUI can increase your Chama, NM car insurance rates. Compare rates below to see which Chama car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Chama, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,067
Farmers $4,788
GEICO $9,310
Nationwide $4,853
Progressive $2,887
State Farm $3,020
USAA $3,452

Chama, NM Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Chama, NM car insurance rates may be. Let’s take a look at average car insurance rates from top Chama companies based on commute time.

Annual Car Insurance Rates by Commute Length in Chama, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,324 $4,324
Farmers $4,498 $4,498
GEICO $4,902 $5,054
Nationwide $3,589 $3,589
Progressive $3,100 $3,100
State Farm $2,886 $3,030
USAA $2,460 $2,611

Chama, NM Cheapest Car Insurance Rates

How do the top Chama, New Mexico car insurance companies’ average rates stack up against the Chama average monthly car insurance rates of $309? Take a look and see.

Best Annual Car Insurance Rates by Company in Chama, New Mexico

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Chama, NM Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Chama, New Mexico car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Chama, New Mexico

Insurance Company Average Annual Rates
Allstate $4,324
Farmers $4,498
GEICO $4,978
Nationwide $3,589
Progressive $3,100
State Farm $2,958
USAA $2,535

Other Factors Affecting Chama, NM Car Insurance Rates

Before you buy Chama, New Mexico car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Chama, NM Commute Time

How does your Chama, NM commute time compare with the average driver? In Chama, the average commute is 25.5 minutes.

Chama, NM Car Insurance Quotes

Compare Chama, NM car insurance quotes from multiple companies by entering your ZIP code now.