A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 annual number of car thefts in Raton is 14.
  • Average car insurance rates in Raton, NM for senior drivers are $1,957/year
  • Average car insurance rates in Raton, NM are $285/month

Average car insurance rates in Raton, New Mexico are $285 a month. But with a little research you can get a great deal from the top car insurance companies in Raton, NM. Before you buy Raton, 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 Raton car insurance rates with Santa Fe car insurance rates, Roswell car insurance rates, or Carlsbad car insurance rates to make sure you’re getting the best Raton, NM car insurance quotes available.

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

Raton, NM Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $4,174 $4,326 $4,499
Farmers $3,813 $4,121 $4,532
GEICO $3,990 $4,256 $4,552
Nationwide $3,799 $3,746 $3,819
Progressive $2,774 $2,901 $3,034
State Farm $2,153 $2,348 $2,523
USAA $1,995 $2,146 $2,271

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Raton, 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 $2,604 $2,625 $2,371 $2,495 $8,603 $9,962 $2,905 $3,099
Farmers $2,324 $2,315 $2,081 $2,214 $9,353 $9,619 $2,621 $2,716
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,586 $2,638 $2,338 $2,465 $6,271 $7,955 $2,917 $3,135
Progressive $1,595 $1,557 $1,435 $1,448 $6,236 $7,020 $1,931 $2,003
State Farm $1,549 $1,549 $1,392 $1,392 $4,070 $5,135 $1,732 $1,911
USAA $1,445 $1,444 $1,372 $1,376 $3,641 $4,122 $1,781 $1,915

Raton, NM Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,603 $9,962
Farmers $9,353 $9,619
GEICO $7,583 $10,447
Nationwide $6,271 $7,955
Progressive $6,236 $7,020
State Farm $4,070 $5,135
USAA $3,641 $4,122

Raton, NM Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,495
Farmers $2,081 $2,214
GEICO $2,511 $2,511
Nationwide $2,338 $2,465
Progressive $1,435 $1,448
State Farm $1,392 $1,392
USAA $1,372 $1,376

Raton, NM Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,043 $4,153 $3,803
Farmers $4,767 $3,946 $3,753
GEICO $4,787 $4,162 $3,849
Nationwide $4,644 $3,597 $3,123
Progressive $3,201 $2,836 $2,672
State Farm $3,348 $2,055 $1,621
USAA $2,680 $2,000 $1,731

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Raton, NM Car Insurance Rates by Driver History

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

Annual Raton, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,576 $4,691 $5,039 $4,026
Farmers $3,510 $4,518 $4,411 $4,183
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,805 $3,976 $5,178 $3,193
Progressive $2,519 $3,410 $2,711 $2,973
State Farm $2,206 $2,386 $2,386 $2,386
USAA $1,594 $2,204 $2,897 $1,854

Raton, NM Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,039
Farmers $4,411
GEICO $8,009
Nationwide $5,178
Progressive $2,711
State Farm $2,386
USAA $2,897

Raton, NM Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,333 $4,333
Farmers $4,155 $4,155
GEICO $4,201 $4,331
Nationwide $3,788 $3,788
Progressive $2,903 $2,903
State Farm $2,283 $2,400
USAA $2,073 $2,201

Raton, NM Cheapest Car Insurance Rates

How do the top Raton, New Mexico car insurance companies’ average rates stack up against the Raton average monthly car insurance rates of $285? Take a look and see.

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

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

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Raton, NM Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,333
Farmers $4,155
GEICO $4,266
Nationwide $3,788
Progressive $2,903
State Farm $2,341
USAA $2,137

Other Factors Affecting Raton, NM Car Insurance Rates

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

Raton, NM Car Theft Rates

The car theft rate in Raton, NM will affect your car insurance rates. FBI data shows that the annual car theft rate for Raton, New Mexico is 14 stolen cars.

Raton, NM Commute Time

How does your Raton, NM commute time compare with the average driver? In Raton, the average commute is 13.1 minutes.

Raton, NM Car Insurance Quotes

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