Affordable Car Insurance Rates in Truth Or Consequences, NM (2021)
Car insurance rates in Truth Or Consequences, NM are $259/month on average. By law, New Mexico drivers need to carry at least 25/50/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Truth Or Consequences car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.