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 Santa Rosa after a DUI is State Farm
  • Average car insurance rates in Santa Rosa, NM for senior drivers are $1,963/year
  • The annual number of car thefts in Santa Rosa is 2.

Average car insurance rates in Santa Rosa, New Mexico are $286 a month. But with a little research you can get a great deal from the top car insurance companies in Santa Rosa, NM. Before you buy Santa Rosa, 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 Santa Rosa car insurance rates with Santa Fe car insurance rates, Roswell car insurance rates, or Rio Rancho car insurance rates to make sure you’re getting the best Santa Rosa, NM car insurance quotes available.

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

Santa Rosa, NM Minimum Car Insurance Coverage

Santa Rosa, 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 Santa Rosa, 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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Santa Rosa, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Santa Rosa, New Mexico

Insurance Company Low Medium High
Allstate $4,002 $4,154 $4,327
Farmers $3,987 $4,339 $4,818
GEICO $3,990 $4,256 $4,552
Nationwide $3,817 $3,776 $3,859
Progressive $2,863 $2,973 $3,088
State Farm $2,096 $2,293 $2,468
USAA $1,995 $2,146 $2,271

Santa Rosa, NM Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Santa Rosa, 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 $2,508 $2,528 $2,284 $2,404 $8,247 $9,539 $2,797 $2,979
Farmers $2,450 $2,442 $2,196 $2,343 $9,884 $10,152 $2,749 $2,835
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,606 $2,658 $2,357 $2,484 $6,321 $8,013 $2,940 $3,159
Progressive $1,625 $1,583 $1,459 $1,471 $6,412 $7,226 $1,971 $2,050
State Farm $1,509 $1,509 $1,359 $1,359 $3,983 $5,024 $1,687 $1,859
USAA $1,445 $1,444 $1,372 $1,376 $3,641 $4,122 $1,781 $1,915

Santa Rosa, NM Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Santa Rosa, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,247 $9,539
Farmers $9,884 $10,152
GEICO $7,583 $10,447
Nationwide $6,321 $8,013
Progressive $6,412 $7,226
State Farm $3,983 $5,024
USAA $3,641 $4,122

Santa Rosa, NM Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Santa Rosa, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,284 $2,404
Farmers $2,196 $2,343
GEICO $2,511 $2,511
Nationwide $2,357 $2,484
Progressive $1,459 $1,471
State Farm $1,359 $1,359
USAA $1,372 $1,376

Santa Rosa, NM Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Santa Rosa, New Mexico

Insurance Company Poor Fair Good
Allstate $4,841 $3,989 $3,653
Farmers $5,033 $4,158 $3,953
GEICO $4,787 $4,162 $3,849
Nationwide $4,679 $3,625 $3,147
Progressive $3,277 $2,906 $2,741
State Farm $3,267 $2,006 $1,584
USAA $2,680 $2,000 $1,731

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Santa Rosa, NM Car Insurance Rates by Driver History

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

Annual Santa Rosa, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,438 $4,508 $4,830 $3,867
Farmers $3,704 $4,766 $4,655 $4,400
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,829 $4,007 $5,214 $3,219
Progressive $2,579 $3,498 $2,777 $3,046
State Farm $2,153 $2,330 $2,330 $2,330
USAA $1,594 $2,204 $2,897 $1,854

Santa Rosa, NM Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Santa Rosa, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,830
Farmers $4,655
GEICO $8,009
Nationwide $5,214
Progressive $2,777
State Farm $2,330
USAA $2,897

Santa Rosa, NM Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Santa Rosa, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,161 $4,161
Farmers $4,381 $4,381
GEICO $4,201 $4,331
Nationwide $3,817 $3,817
Progressive $2,975 $2,975
State Farm $2,229 $2,343
USAA $2,073 $2,201

Santa Rosa, NM Cheapest Car Insurance Rates

How do the top Santa Rosa, New Mexico car insurance companies’ average rates stack up against the Santa Rosa average monthly car insurance rates of $286? Take a look and see.

Best Annual Car Insurance Rates by Company in Santa Rosa, New Mexico

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

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Santa Rosa, NM Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Santa Rosa, New Mexico

Insurance Company Average Annual Rates
Allstate $4,161
Farmers $4,381
GEICO $4,266
Nationwide $3,817
Progressive $2,975
State Farm $2,286
USAA $2,137

Other Factors Affecting Santa Rosa, NM Car Insurance Rates

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

Santa Rosa, NM Car Theft Rates

The car theft rate in Santa Rosa, NM will affect your car insurance rates. FBI data shows that the annual car theft rate for Santa Rosa, New Mexico is 2 stolen cars.

Santa Rosa, NM Commute Time

How does your Santa Rosa, NM commute time compare with the average driver? In Santa Rosa, the average commute is 12.2 minutes.

Santa Rosa, NM Traffic

Spending time in Santa Rosa traffic can lead to higher car insurance rates. According to INRIX data, Santa Rosa, NM ranks as the 155th-most congested with traffic in the world.

Santa Rosa, NM Car Insurance Quotes

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