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

  • Average car insurance rates in Rio Rancho, NM are $314/month
  • Average car insurance rates in Rio Rancho, NM for senior drivers are $2,120/year
  • The annual number of car thefts in Rio Rancho is 163.

Average car insurance rates in Rio Rancho, New Mexico are $314 a month. But with a little research you can get a great deal from the top car insurance companies in Rio Rancho, NM. Before you buy Rio Rancho, 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 Rio Rancho car insurance rates with Gallup car insurance rates, Hobbs car insurance rates, or Las Cruces car insurance rates to make sure you’re getting the best Rio Rancho, NM car insurance quotes available.

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

Rio Rancho, NM Minimum Car Insurance Coverage

Rio Rancho, 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 Rio Rancho, 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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Rio Rancho, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rio Rancho, New Mexico

Insurance Company Low Medium High
Allstate $4,146 $4,373 $4,633
Farmers $4,284 $4,693 $5,236
GEICO $4,616 $4,980 $5,380
Nationwide $3,727 $3,787 $3,932
Progressive $3,101 $3,280 $3,455
State Farm $2,460 $2,735 $2,978
USAA $2,278 $2,479 $2,639

Rio Rancho, NM Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rio Rancho, 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 $2,552 $2,540 $2,358 $2,477 $8,973 $10,436 $2,795 $2,939
Farmers $2,598 $2,583 $2,321 $2,487 $10,864 $11,156 $2,912 $2,983
GEICO $3,070 $3,149 $2,883 $2,883 $9,130 $12,408 $3,228 $3,186
Nationwide $2,596 $2,635 $2,360 $2,472 $6,365 $8,011 $2,940 $3,146
Progressive $1,722 $1,658 $1,572 $1,573 $7,293 $8,198 $2,078 $2,135
State Farm $1,746 $1,746 $1,600 $1,600 $4,872 $6,117 $1,958 $2,152
USAA $1,618 $1,597 $1,553 $1,537 $4,361 $4,918 $2,003 $2,134

Rio Rancho, NM Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Rio Rancho, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,973 $10,436
Farmers $10,864 $11,156
GEICO $9,130 $12,408
Nationwide $6,365 $8,011
Progressive $7,293 $8,198
State Farm $4,872 $6,117
USAA $4,361 $4,918

Rio Rancho, NM Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Rio Rancho, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,358 $2,477
Farmers $2,321 $2,487
GEICO $2,883 $2,883
Nationwide $2,360 $2,472
Progressive $1,572 $1,573
State Farm $1,600 $1,600
USAA $1,553 $1,537

Rio Rancho, NM Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Rio Rancho, New Mexico

Insurance Company Poor Fair Good
Allstate $5,100 $4,208 $3,843
Farmers $5,425 $4,506 $4,283
GEICO $5,588 $4,874 $4,513
Nationwide $4,663 $3,633 $3,151
Progressive $3,582 $3,210 $3,044
State Farm $3,886 $2,393 $1,893
USAA $3,076 $2,312 $2,007

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Rio Rancho, NM Car Insurance Rates by Driver History

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

Annual Rio Rancho, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,573 $4,778 $5,131 $4,052
Farmers $4,000 $5,166 $5,045 $4,740
GEICO $2,958 $4,725 $9,326 $2,958
Nationwide $2,854 $4,006 $5,170 $3,233
Progressive $2,832 $3,892 $3,050 $3,341
State Farm $2,550 $2,782 $2,782 $2,782
USAA $1,823 $2,550 $3,363 $2,125

Rio Rancho, NM Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Rio Rancho, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,131
Farmers $5,045
GEICO $9,326
Nationwide $5,170
Progressive $3,050
State Farm $2,782
USAA $3,363

Rio Rancho, NM Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Rio Rancho, New Mexico

ZIP Code Average Annual Rates
87124 $3,947
87144 $4,010

Rio Rancho, NM Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Rio Rancho, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,384 $4,384
Farmers $4,738 $4,738
GEICO $4,914 $5,070
Nationwide $3,816 $3,816
Progressive $3,279 $3,279
State Farm $2,654 $2,794
USAA $2,392 $2,539

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Rio Rancho, NM Cheapest Car Insurance Rates

How do the top Rio Rancho, New Mexico car insurance companies’ average rates stack up against the Rio Rancho average monthly car insurance rates of $314? Take a look and see.

Best Annual Car Insurance Rates by Company in Rio Rancho, 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

Rio Rancho, NM Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Rio Rancho, New Mexico

Insurance Company Average Annual Rates
Allstate $4,384
Farmers $4,738
GEICO $4,992
Nationwide $3,816
Progressive $3,279
State Farm $2,724
USAA $2,465

Other Factors Affecting Rio Rancho, NM Car Insurance Rates

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

Rio Rancho, NM Car Theft Rates

The car theft rate in Rio Rancho, NM will affect your car insurance rates. FBI data shows that the annual car theft rate for Rio Rancho, New Mexico is 163 stolen cars.

Rio Rancho, NM Commute Time

How does your Rio Rancho, NM commute time compare with the average driver? In Rio Rancho, the average commute is 27.7 minutes.

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Rio Rancho, NM Car Insurance Quotes

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