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...

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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...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Farmington after a DUI is State Farm
  • The annual number of car thefts in Farmington is 146.
  • Average car insurance rates in Farmington, NM are $271/month

Average car insurance rates in Farmington, New Mexico are $271 a month. But with a little research you can get a great deal from the top car insurance companies in Farmington, NM. Before you buy Farmington, 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 Farmington car insurance rates with Albuquerque car insurance rates, Hobbs car insurance rates, or Santa Fe car insurance rates to make sure you’re getting the best Farmington, NM car insurance quotes available.

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

Farmington, NM Minimum Car Insurance Coverage

Farmington, 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 Farmington, 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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Farmington, NM Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,968 $4,148 $4,354
Farmers $3,488 $3,795 $4,202
GEICO $3,928 $4,201 $4,509
Nationwide $3,163 $3,220 $3,365
Progressive $2,591 $2,736 $2,883
State Farm $1,980 $2,186 $2,375
USAA $2,234 $2,419 $2,567

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Farmington, 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 $2,447 $2,447 $2,252 $2,366 $8,414 $9,783 $2,694 $2,853
Farmers $2,145 $2,130 $1,924 $2,057 $8,646 $8,844 $2,407 $2,476
GEICO $2,600 $2,669 $2,442 $2,442 $7,617 $10,449 $2,743 $2,739
Nationwide $2,227 $2,259 $2,031 $2,123 $5,393 $6,763 $2,515 $2,685
Progressive $1,440 $1,384 $1,321 $1,318 $6,078 $6,842 $1,731 $1,780
State Farm $1,432 $1,432 $1,304 $1,304 $3,821 $4,785 $1,598 $1,765
USAA $1,585 $1,569 $1,515 $1,504 $4,241 $4,786 $1,961 $2,093

Farmington, NM Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,414 $9,783
Farmers $8,646 $8,844
GEICO $7,617 $10,449
Nationwide $5,393 $6,763
Progressive $6,078 $6,842
State Farm $3,821 $4,785
USAA $4,241 $4,786

Farmington, NM Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,252 $2,366
Farmers $1,924 $2,057
GEICO $2,442 $2,442
Nationwide $2,031 $2,123
Progressive $1,321 $1,318
State Farm $1,304 $1,304
USAA $1,515 $1,504

Farmington, NM Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $4,833 $3,989 $3,649
Farmers $4,400 $3,633 $3,452
GEICO $4,719 $4,112 $3,806
Nationwide $3,971 $3,095 $2,683
Progressive $2,987 $2,679 $2,544
State Farm $3,092 $1,920 $1,528
USAA $3,009 $2,255 $1,956

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Farmington, NM Car Insurance Rates by Driver History

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

Annual Farmington, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,401 $4,513 $4,864 $3,851
Farmers $3,231 $4,166 $4,070 $3,846
GEICO $2,493 $3,986 $7,878 $2,493
Nationwide $2,449 $3,411 $4,374 $2,764
Progressive $2,365 $3,248 $2,547 $2,786
State Farm $2,050 $2,224 $2,224 $2,224
USAA $1,783 $2,490 $3,275 $2,079

Farmington, NM Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,864
Farmers $4,070
GEICO $7,878
Nationwide $4,374
Progressive $2,547
State Farm $2,224
USAA $3,275

Farmington, NM Car Insurance Rates by ZIP Code

Just like Farmington car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Farmington, NM car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Farmington, New Mexico

ZIP Code Average Annual Rates
87401 $3,404
87402 $3,452

Farmington, NM Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,157 $4,157
Farmers $3,828 $3,828
GEICO $4,148 $4,277
Nationwide $3,249 $3,249
Progressive $2,737 $2,737
State Farm $2,127 $2,233
USAA $2,335 $2,479

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Farmington, NM Cheapest Car Insurance Rates

How do the top Farmington, New Mexico car insurance companies’ average rates stack up against the Farmington average monthly car insurance rates of $271? Take a look and see.

Best Annual Car Insurance Rates by Company in Farmington, 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

Farmington, NM Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,157
Farmers $3,828
GEICO $4,213
Nationwide $3,249
Progressive $2,737
State Farm $2,180
USAA $2,407

Other Factors Affecting Farmington, NM Car Insurance Rates

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

Farmington, NM Car Theft Rates

The car theft rate in Farmington, NM will affect your car insurance rates. FBI data shows that the annual car theft rate for Farmington, New Mexico is 146 stolen cars.

Farmington, NM Commute Time

How does your Farmington, NM commute time compare with the average driver? In Farmington, the average commute is 18.2 minutes.

Farmington, NM Traffic

Spending time in Farmington traffic can lead to higher car insurance rates. According to INRIX data, Farmington, NM ranks as the 898th-most congested with traffic in the world.

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Farmington, NM Car Insurance Quotes

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