Cheapest Car Insurance Quotes in Alamogordo

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Alamogordo Car Insurance

^$ 18

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alamogordo

The car insurance rate in Alamogordo is $857 for a six-month policy, which is $139 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $608, making it a popular choice for budget-conscious drivers. Rates in Alamogordo can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alamogordo

$857

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Alamogordo

1st place: USAA

At $608 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $659 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $659 for six months, making it the third cheapest auto insurance company in Alamogordo.

Alamogordo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alamogordo, NM is USAA, offering policies at just $608 for a six-month term. This is followed by Encompass, which has an average six-month premium of $659.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $935 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alamogordo drivers find the best deals.

Cheap Car Insurance Companies in Alamogordo, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$608	$102
Encompass	$659	$110
State Farm	$659	$111
Nationwide	$735	$124
Progressive	$777	$131
Central Mutual	$827	$138
Farmers	$955	$161
Central Insurance	$1032	$172
Farm Bureau	$1037	$176
Allstate	$1206	$203
Kemper	$935	$156

Key Takeaways

Way's key takeaways about car insurance in Alamogordo

The auto insurance costs in Alamogordo fall around $608 for six months.
The cheapest auto insurance company in Alamogordo is Central Mutual.
Teen drivers pay the highest rate in Alamogordo at $611 per month.

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Cheapest Minimum Liability Car Insurance in Alamogordo

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alamogordo are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Alamogordo. Their Average 6 Month Premium is $108. Allstate is the most expensive at $455 for the same period.

Cheapest Liability Coverage in Alamogordo, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$108	$18
USAA	$138	$23
Central Insurance	$169	$28
Iowa Farm Bureau	$174	$29
Farm Bureau	$205	$34
Encompass	$210	$35
Progressive	$210	$35
State Farm	$224	$38
Kemper	$301	$52
Farmers	$327	$55
Nationwide	$337	$58
Allstate	$455	$77

Cheapest Full Coverage Car Insurance in Alamogordo

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alamogordo is USAA at $102 per month and $608 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alamogordo, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$608	$102
Encompass	$659	$110
State Farm	$659	$111
Nationwide	$735	$124
Progressive	$777	$131
Central Mutual	$827	$138
Farmers	$955	$161
Central Insurance	$1032	$172
Farm Bureau	$1037	$176
Allstate	$1206	$203
Kemper	$935	$156

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Average Car Insurance in Alamogordo by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alamogordo, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in Alamogordo, New Mexico, may be increasing due to several external factors. New Mexico has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alamogordo's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alamogordo

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	MetLife	$503
40s	MetLife	$470
50s	MetLife	$432
60s	MetLife	$410
70s	MetLife	$533

Cheapest Car Insurance Rates for Teen Drivers in Alamogordo,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Alamogordo at $27 per month. At $3627 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$158	$27
Iowa Farm Bureau	$230	$39
Kemper	$235	$40
USAA	$848	$143
State Farm	$1364	$230
Farm Bureau	$1661	$282
Progressive	$2120	$357
Nationwide	$3004	$511
Farmers	$3520	$593
Allstate	$3627	$611

Teen Car Insurance Rates in NM by Age

Way Tip

If you are in your twenties MetLife is the best choice for car insurance in Alamogordo.

As young drivers face the highest rates in Alamogordo, MetLife offers the cheapest auto insurance rates at $503 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alamogordo, Kemper is the cheapest car insurance provider. At $281 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alamogordo is State Farm, offering rates of around $2406 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$281	$48
USAA	$710	$119
Progressive	$725	$122
Farmers	$1241	$209
Farm Bureau	$1512	$257
Allstate	$1574	$262
State Farm	$2406	$409

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Car Insurance Rates with An Accident in Alamogordo

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alamogordo, NM, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alamogordo

The cheapest car insurance companies after an at-fault accident in Alamogordo include Central Mutual and Central Insurance, offering $108 and $230, respectively. Allstate is an expensive provider with an average six-month premium of $1814.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$108	$18
Central Insurance	$230	$39
Encompass	$255	$43
Kemper	$276	$47
Iowa Farm Bureau	$281	$46
USAA	$445	$75
State Farm	$593	$100
Progressive	$648	$109
Farm Bureau	$1415	$236
Farmers	$1661	$280
Nationwide	$1686	$281
Allstate	$1814	$305

Alamogordo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alamogordo NM. For example, the car insurance in Alamogordo after a DUI increases to $807 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Alamogordo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$863	$144
One Med/PIP claim	$874	$149
Not-at-fault accident	$899	$150
One comp claim	$904	$154
Two Med/PIP claims	$914	$152
Two comp claims	$940	$160
Failure to show documents	$950	$158
Failure to wear a seat belt	$955	$163
Child safety restraint	$991	$165
Driving without lights	$991	$169
In 65 MPH zone	$1022	$170
Cell phone violation	$1027	$175
Texting while driving	$1027	$171
At-fault accident - less than $1000	$1032	$175
Driving with expired registration	$1032	$172
Speeding 11 - 15 MPH over limit	$1042	$177
Speeding 16 - 20 MPH over limit	$1042	$174
Speeding 6 - 10 MPH over limit	$1042	$177
Driving too slowly	$1047	$175
Failure to stop at a red light	$1047	$178
Failure to yield	$1047	$175
Following too closely	$1047	$178
Illegal turn	$1047	$175
Improper passing	$1047	$178
Speeding in school zone	$1047	$175
Wrong way/wrong lane	$1047	$178
Passing school bus	$1063	$177
Operating a vehicle without permission	$1078	$183
Speeding 21 - 25 MPH over limit	$1078	$180
Open container	$1201	$204
At-fault accident - $1000-$2000	$1221	$204
At-fault accident - greater than $2000	$1232	$209
Reckless driving	$1599	$267
Driving with a suspended license	$1604	$273
Refusal to submit to a chemical test	$1625	$271
DUI	$1670	$284
Racing	$1706	$285
Leaving scene of an accident/hit and run	$1717	$292

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alamogordo after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alamogordo.

The cheapest car insurance premiums in Alamogordo are offered by Kemper at $276 for a six-month policy. However, it can be as expensive as $1839 with companies like Farm Bureau.

Alamogordo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$276	$46
Central Insurance	$337	$58
Progressive	$603	$101
State Farm	$624	$105
USAA	$700	$118
Farmers	$1022	$172
Nationwide	$1103	$184
Allstate	$1477	$249
Farm Bureau	$1839	$306

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alamogordo are offered by Iowa Farm Bureau at $210. However, it can be as expensive as $2764 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Alamogordo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$210	$35
USAA	$414	$69
State Farm	$480	$81
Progressive	$531	$89
Farm Bureau	$1088	$185
Farmers	$2233	$372
Allstate	$2764	$470

Car Insurance Price Trends in Alamogordo, New Mexico

Car insurance rates in Alamogordo have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alamogordo rose by $166 in December compared to $163 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Alamogordo rose to $40 in December, compared to $37 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Alamogordo?

The car insurance in Alamogordo is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Alamogordo?

The cheapest car insurance in Alamogordo is $102 per month for full coverage.

How much is car insurance in Alamogordo for teenagers?

Car insurance for teenagers costs $158 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alamogordo?

The average cost of car insurance is $996 for a six-month policy. It will cost around $144 per month to insure your car in Alamogordo.

Is car insurance expensive in Alamogordo?

Car insurance can be expensive in Alamogordo if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alamogordo can be affordable.

What is the best car insurance in Alamogordo, NM?

The best car insurance company in Alamogordo NM is USAA, offering $608 for a six-month policy.