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 Truth or Consequences, NM are $259/month
  • The cheapest car insurance company in Truth or Consequences for teen drivers is State Farm
  • Average car insurance rates in Truth or Consequences, NM for senior drivers are $1,785/year

Average car insurance rates in Truth or Consequences, New Mexico are $259 a month. But with a little research you can get a great deal from the top car insurance companies in Truth or Consequences, NM. Before you buy Truth or Consequences, 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 Truth or Consequences car insurance rates with Alamogordo car insurance rates, Hobbs car insurance rates, or Las Cruces car insurance rates to make sure you’re getting the best Truth or Consequences, NM car insurance quotes available.

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

Truth or Consequences, NM Minimum Car Insurance Coverage

Truth or Consequences, 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 Truth or Consequences, 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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Truth or Consequences, NM Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Truth or Consequences, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,444 $3,748 $4,162
GEICO $3,990 $4,256 $4,552
Nationwide $2,967 $2,989 $3,112
Progressive $2,653 $2,771 $2,892
State Farm $1,731 $1,904 $2,062
USAA $1,995 $2,146 $2,271

Truth or Consequences, NM Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Truth or Consequences, 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 $2,352 $2,368 $2,144 $2,257 $7,693 $8,879 $2,619 $2,778
Farmers $2,110 $2,103 $1,889 $2,015 $8,553 $8,794 $2,369 $2,444
GEICO $2,666 $2,742 $2,511 $2,511 $7,583 $10,447 $2,811 $2,858
Nationwide $2,091 $2,126 $1,903 $1,997 $4,957 $6,243 $2,349 $2,514
Progressive $1,527 $1,492 $1,373 $1,386 $5,942 $6,687 $1,849 $1,919
State Farm $1,245 $1,245 $1,130 $1,130 $3,331 $4,182 $1,391 $1,536
USAA $1,445 $1,444 $1,372 $1,376 $3,641 $4,122 $1,781 $1,915

Truth or Consequences, NM Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Truth or Consequences, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $8,553 $8,794
GEICO $7,583 $10,447
Nationwide $4,957 $6,243
Progressive $5,942 $6,687
State Farm $3,331 $4,182
USAA $3,641 $4,122

Truth or Consequences, NM Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Truth or Consequences, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $1,889 $2,015
GEICO $2,511 $2,511
Nationwide $1,903 $1,997
Progressive $1,373 $1,386
State Farm $1,130 $1,130
USAA $1,372 $1,376

Truth or Consequences, NM Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Truth or Consequences, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,344 $3,593 $3,417
GEICO $4,787 $4,162 $3,849
Nationwide $3,700 $2,873 $2,495
Progressive $3,056 $2,708 $2,551
State Farm $2,702 $1,670 $1,324
USAA $2,680 $2,000 $1,731

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Truth or Consequences, NM Car Insurance Rates by Driver History

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

Annual Truth or Consequences, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,218 $4,496 $3,612
Farmers $3,199 $4,117 $4,022 $3,801
GEICO $2,511 $4,034 $8,009 $2,511
Nationwide $2,269 $3,173 $4,082 $2,566
Progressive $2,407 $3,252 $2,588 $2,839
State Farm $1,785 $1,937 $1,937 $1,937
USAA $1,594 $2,204 $2,897 $1,854

Truth or Consequences, NM Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Truth or Consequences, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,496
Farmers $4,022
GEICO $8,009
Nationwide $4,082
Progressive $2,588
State Farm $1,937
USAA $2,897

Truth or Consequences, NM Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Truth or Consequences, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $3,785 $3,785
GEICO $4,201 $4,331
Nationwide $3,023 $3,023
Progressive $2,772 $2,772
State Farm $1,852 $1,946
USAA $2,073 $2,201

Truth or Consequences, NM Cheapest Car Insurance Rates

How do the top Truth or Consequences, New Mexico car insurance companies’ average rates stack up against the Truth or Consequences average monthly car insurance rates of $259? Take a look and see.

Best Annual Car Insurance Rates by Company in Truth or Consequences, 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

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Truth or Consequences, NM Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Truth or Consequences, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $3,785
GEICO $4,266
Nationwide $3,023
Progressive $2,772
State Farm $1,899
USAA $2,137

Other Factors Affecting Truth or Consequences, NM Car Insurance Rates

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

Truth or Consequences, NM Car Theft Rates

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

Truth or Consequences, NM Commute Time

How does your Truth or Consequences, NM commute time compare with the average driver? In Truth or Consequences, the average commute is 15.5 minutes.

Truth or Consequences, NM Car Insurance Quotes

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