Cheapest Car Insurance Quotes in Bernalillo

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Bernalillo Car Insurance

^$ 23

/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 Bernalillo

The car insurance rate in Bernalillo is $1076 for a six-month policy, which is $80 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $764, making it a popular choice for budget-conscious drivers. Rates in Bernalillo 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 Bernalillo

$1076

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Bernalillo

1st place: USAA

At $764 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $827 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 $827 for six months, making it the third cheapest auto insurance company in Bernalillo.

Bernalillo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bernalillo, NM is USAA, offering policies at just $764 for a six-month term. This is followed by Encompass, which has an average six-month premium of $827.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1174 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bernalillo drivers find the best deals.

Cheap Car Insurance Companies in Bernalillo, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$764	$129
Encompass	$827	$138
State Farm	$827	$139
Nationwide	$923	$156
Progressive	$975	$164
Central Mutual	$1039	$173
Farmers	$1200	$202
Central Insurance	$1296	$216
Farm Bureau	$1302	$221
Allstate	$1514	$255
Kemper	$1174	$195

Key Takeaways

Way's key takeaways about car insurance in Bernalillo

The auto insurance costs in Bernalillo fall around $764 for six months.
The cheapest auto insurance company in Bernalillo is Central Mutual.
Teen drivers pay the highest rate in Bernalillo at $767 per month.

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Cheapest Minimum Liability Car Insurance in Bernalillo

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 Bernalillo are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Bernalillo. Their Average 6 Month Premium is $135. Allstate is the most expensive at $571 for the same period.

Cheapest Liability Coverage in Bernalillo, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$135	$23
USAA	$173	$29
Central Insurance	$212	$36
Iowa Farm Bureau	$218	$37
Farm Bureau	$257	$43
Encompass	$264	$44
Progressive	$264	$44
State Farm	$282	$48
Kemper	$378	$65
Farmers	$410	$69
Nationwide	$423	$72
Allstate	$571	$96

Cheapest Full Coverage Car Insurance in Bernalillo

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 Bernalillo is USAA at $129 per month and $764 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bernalillo, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$764	$129
Encompass	$827	$138
State Farm	$827	$139
Nationwide	$923	$156
Progressive	$975	$164
Central Mutual	$1039	$173
Farmers	$1200	$202
Central Insurance	$1296	$216
Farm Bureau	$1302	$221
Allstate	$1514	$255
Kemper	$1174	$195

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Average Car Insurance in Bernalillo 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 Bernalillo, NM increasing?

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

Car Insurance Premiums by Age in Bernalillo

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	$632
40s	MetLife	$590
50s	MetLife	$542
60s	MetLife	$515
70s	MetLife	$670

Cheapest Car Insurance Rates for Teen Drivers in Bernalillo,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Bernalillo at $33 per month. At $4554 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$199	$33
Iowa Farm Bureau	$288	$49
Kemper	$295	$50
USAA	$1065	$179
State Farm	$1713	$288
Farm Bureau	$2085	$354
Progressive	$2662	$448
Nationwide	$3772	$642
Farmers	$4420	$744
Allstate	$4554	$767

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 Bernalillo.

As young drivers face the highest rates in Bernalillo, MetLife offers the cheapest auto insurance rates at $632 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 Bernalillo, Kemper is the cheapest car insurance provider. At $353 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 Bernalillo is State Farm, offering rates of around $3022 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$60
USAA	$892	$149
Progressive	$910	$153
Farmers	$1558	$262
Farm Bureau	$1899	$323
Allstate	$1976	$329
State Farm	$3022	$514

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Car Insurance Rates with An Accident in Bernalillo

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

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

The cheapest car insurance companies after an at-fault accident in Bernalillo include Central Mutual and Central Insurance, offering $135 and $288, respectively. Allstate is an expensive provider with an average six-month premium of $2278.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$135	$23
Central Insurance	$288	$49
Encompass	$321	$54
Kemper	$347	$59
Iowa Farm Bureau	$353	$58
USAA	$558	$94
State Farm	$744	$125
Progressive	$814	$137
Farm Bureau	$1777	$296
Farmers	$2085	$351
Nationwide	$2117	$353
Allstate	$2278	$383

Bernalillo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bernalillo NM. For example, the car insurance in Bernalillo after a DUI increases to $1013 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Bernalillo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1084	$180
One Med/PIP claim	$1097	$187
Not-at-fault accident	$1129	$188
One comp claim	$1135	$193
Two Med/PIP claims	$1148	$191
Two comp claims	$1180	$201
Failure to show documents	$1193	$199
Failure to wear a seat belt	$1200	$204
Child safety restraint	$1244	$207
Driving without lights	$1244	$212
In 65 MPH zone	$1283	$214
Cell phone violation	$1290	$219
Texting while driving	$1290	$215
At-fault accident - less than $1000	$1296	$220
Driving with expired registration	$1296	$216
Speeding 11 - 15 MPH over limit	$1309	$222
Speeding 16 - 20 MPH over limit	$1309	$218
Speeding 6 - 10 MPH over limit	$1309	$222
Driving too slowly	$1315	$219
Failure to stop at a red light	$1315	$224
Failure to yield	$1315	$219
Following too closely	$1315	$224
Illegal turn	$1315	$219
Improper passing	$1315	$224
Speeding in school zone	$1315	$219
Wrong way/wrong lane	$1315	$224
Passing school bus	$1335	$222
Operating a vehicle without permission	$1353	$230
Speeding 21 - 25 MPH over limit	$1353	$226
Open container	$1508	$256
At-fault accident - $1000-$2000	$1534	$256
At-fault accident - greater than $2000	$1547	$262
Reckless driving	$2008	$335
Driving with a suspended license	$2014	$342
Refusal to submit to a chemical test	$2040	$340
DUI	$2097	$356
Racing	$2143	$357
Leaving scene of an accident/hit and run	$2156	$366

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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 Bernalillo 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 Bernalillo.

The cheapest car insurance premiums in Bernalillo are offered by Kemper at $347 for a six-month policy. However, it can be as expensive as $2309 with companies like Farm Bureau.

Bernalillo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$347	$58
Central Insurance	$423	$72
Progressive	$757	$127
State Farm	$783	$132
USAA	$879	$148
Farmers	$1283	$216
Nationwide	$1386	$231
Allstate	$1854	$312
Farm Bureau	$2309	$384

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 Bernalillo are offered by Iowa Farm Bureau at $264. However, it can be as expensive as $3471 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bernalillo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$264	$44
USAA	$519	$86
State Farm	$603	$102
Progressive	$667	$112
Farm Bureau	$1366	$232
Farmers	$2804	$468
Allstate	$3471	$590

Car Insurance Price Trends in Bernalillo, New Mexico

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

The average cost of full coverage in the Bernalillo rose by $208 in December compared to $204 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Bernalillo rose to $50 in December, compared to $46 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bernalillo?

The car insurance in Bernalillo is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Bernalillo?

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

How much is car insurance in Bernalillo for teenagers?

Car insurance for teenagers costs $199 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 Bernalillo?

The average cost of car insurance is $996 for a six-month policy. It will cost around $180 per month to insure your car in Bernalillo.

Is car insurance expensive in Bernalillo?

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

What is the best car insurance in Bernalillo, NM?

The best car insurance company in Bernalillo NM is USAA, offering $764 for a six-month policy.