Cheapest Car Insurance Quotes in Angel Fire

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408,850 Policies Sold

Angel Fire Car Insurance

^$ 22

/mo

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 Angel Fire

The car insurance rate in Angel Fire is $1130 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $769, making it a popular choice for budget-conscious drivers. Rates in Angel Fire 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 Angel Fire

$1130

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in Angel Fire

1st place: USAA

At $769 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $820 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $915 for six months, making it the third cheapest auto insurance company in Angel Fire.

Angel Fire Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Angel Fire, NM is USAA, offering policies at just $769 for a six-month term. This is followed by Encompass, which has an average six-month premium of $820.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1640 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Angel Fire drivers find the best deals.

Cheap Car Insurance Companies in Angel Fire, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$769	$129
Encompass	$820	$137
Nationwide	$915	$154
State Farm	$934	$157
Central Mutual	$1029	$175
Progressive	$1100	$185
Central Insurance	$1284	$218
Farmers	$1310	$220
Allstate	$1500	$253
Farm Bureau	$1640	$273

Key Takeaways

Way's key takeaways about car insurance in Angel Fire

The auto insurance costs in Angel Fire fall around $769 for six months.
The cheapest auto insurance company in Angel Fire is Central Mutual.
Teen drivers pay the highest rate in Angel Fire at $815 per month.

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Cheapest Minimum Liability Car Insurance in Angel Fire

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 Angel Fire are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Angel Fire. Their Average 6 Month Premium is $134. Allstate is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Angel Fire, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$134	$22
USAA	$171	$29
Central Insurance	$210	$35
Iowa Farm Bureau	$216	$36
Encompass	$261	$44
State Farm	$299	$50
Farm Bureau	$331	$57
Progressive	$369	$62
Kemper	$375	$64
Nationwide	$419	$70
Farmers	$426	$72
Allstate	$547	$92

Cheapest Full Coverage Car Insurance in Angel Fire

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 Angel Fire is USAA at $129 per month and $769 for six months.

Cheapest Full Coverage Car Insurance Quotes in Angel Fire, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$769	$129
Encompass	$820	$137
Nationwide	$915	$154
State Farm	$934	$157
Central Mutual	$1029	$175
Progressive	$1100	$185
Central Insurance	$1284	$218
Farmers	$1310	$220
Allstate	$1500	$253
Farm Bureau	$1640	$273

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Average Car Insurance in Angel Fire 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 Angel Fire, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in Angel Fire, 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, Angel Fire's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Angel Fire

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	$626
40s	MetLife	$584
50s	MetLife	$537
60s	MetLife	$510
70s	MetLife	$663

Cheapest Car Insurance Rates for Teen Drivers in Angel Fire,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Angel Fire at $33 per month. At $4843 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$197	$33
Iowa Farm Bureau	$286	$48
Kemper	$292	$49
USAA	$1100	$185
State Farm	$1963	$331
Farm Bureau	$2714	$461
Progressive	$3407	$574
Nationwide	$3738	$636
Allstate	$4512	$760
Farmers	$4843	$815

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 Angel Fire.

As young drivers face the highest rates in Angel Fire, MetLife offers the cheapest auto insurance rates at $626 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 Angel Fire, Kemper is the cheapest car insurance provider. At $350 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 Angel Fire is State Farm, offering rates of around $4398 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$350	$60
USAA	$979	$163
Progressive	$1431	$241
Farmers	$1837	$309
Allstate	$1958	$333
Farm Bureau	$2454	$409
State Farm	$4398	$748

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Car Insurance Rates with An Accident in Angel Fire

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 Angel Fire, NM, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Angel Fire

The cheapest car insurance companies after an at-fault accident in Angel Fire include Central Mutual and Central Insurance, offering $134 and $286, respectively. Farmers is an expensive provider with an average six-month premium of $2320.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$134	$22
Central Insurance	$286	$48
Encompass	$318	$54
Kemper	$343	$59
Iowa Farm Bureau	$350	$58
USAA	$572	$96
State Farm	$800	$135
Progressive	$1017	$171
Nationwide	$2097	$350
Allstate	$2257	$380
Farm Bureau	$2281	$380
Farmers	$2320	$391

Angel Fire Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Angel Fire NM. For example, the car insurance in Angel Fire after a DUI increases to $1004 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

Angel Fire auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1074	$179
One Med/PIP claim	$1087	$185
Not-at-fault accident	$1118	$186
One comp claim	$1125	$192
Two Med/PIP claims	$1137	$189
Two comp claims	$1170	$199
Failure to show documents	$1182	$197
Failure to wear a seat belt	$1189	$202
Child safety restraint	$1233	$205
Driving without lights	$1233	$210
In 65 MPH zone	$1271	$212
Cell phone violation	$1278	$217
Texting while driving	$1278	$213
At-fault accident - less than $1000	$1284	$218
Driving with expired registration	$1284	$214
Speeding 11 - 15 MPH over limit	$1297	$220
Speeding 16 - 20 MPH over limit	$1297	$216
Speeding 6 - 10 MPH over limit	$1297	$220
Driving too slowly	$1303	$217
Failure to stop at a red light	$1303	$221
Failure to yield	$1303	$217
Following too closely	$1303	$221
Illegal turn	$1303	$217
Improper passing	$1303	$221
Speeding in school zone	$1303	$217
Wrong way/wrong lane	$1303	$221
Passing school bus	$1323	$220
Operating a vehicle without permission	$1341	$228
Speeding 21 - 25 MPH over limit	$1341	$224
Open container	$1494	$254
At-fault accident - $1000-$2000	$1519	$254
At-fault accident - greater than $2000	$1532	$260
Reckless driving	$1989	$332
Driving with a suspended license	$1996	$339
Refusal to submit to a chemical test	$2021	$337
DUI	$2078	$353
Racing	$2123	$354
Leaving scene of an accident/hit and run	$2136	$363

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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 Angel Fire 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 Angel Fire.

The cheapest car insurance premiums in Angel Fire are offered by Kemper at $343 for a six-month policy. However, it can be as expensive as $3013 with companies like Farm Bureau.

Angel Fire car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$58
Central Insurance	$419	$72
USAA	$908	$153
State Farm	$973	$164
Progressive	$985	$166
Nationwide	$1373	$233
Farmers	$1431	$241
Allstate	$1837	$309
Farm Bureau	$3013	$502

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 Angel Fire are offered by Iowa Farm Bureau at $261. However, it can be as expensive as $3139 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Angel Fire after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$261	$44
State Farm	$661	$111
USAA	$661	$112
Progressive	$1252	$211
Farm Bureau	$1767	$301
Allstate	$3139	$523
Farmers	$3139	$534

Car Insurance Price Trends in Angel Fire, New Mexico

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

The average cost of full coverage in the Angel Fire remained steady at $236 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Angel Fire remained steady at $54 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Angel Fire?

The car insurance in Angel Fire is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Angel Fire?

The cheapest car insurance in Angel Fire is $129 per month for full coverage.

How much is car insurance in Angel Fire for teenagers?

Car insurance for teenagers costs $197 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 Angel Fire?

The average cost of car insurance is $1056 for a six-month policy. It will cost around $189 per month to insure your car in Angel Fire.

Is car insurance expensive in Angel Fire?

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

What is the best car insurance in Angel Fire, NM?

The best car insurance company in Angel Fire NM is USAA, offering $769 for a six-month policy.