Cheapest Car Insurance Quotes in Bluewater Village

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Bluewater Village Car Insurance

^$ 19

/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 Bluewater Village

The car insurance rate in Bluewater Village is $916 for a six-month policy, which is $80 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $650, making it a popular choice for budget-conscious drivers. Rates in Bluewater Village 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 Bluewater Village

$916

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Bluewater Village

1st place: USAA

At $650 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $705 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 $705 for six months, making it the third cheapest auto insurance company in Bluewater Village.

Bluewater Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bluewater Village, NM is USAA, offering policies at just $650 for a six-month term. This is followed by Encompass, which has an average six-month premium of $705.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1000 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bluewater Village drivers find the best deals.

Cheap Car Insurance Companies in Bluewater Village, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$650	$109
Encompass	$705	$118
State Farm	$705	$119
Nationwide	$787	$132
Progressive	$831	$140
Central Mutual	$885	$147
Farmers	$1022	$172
Central Insurance	$1104	$184
Farm Bureau	$1110	$189
Allstate	$1290	$217
Kemper	$1000	$167

Key Takeaways

Way's key takeaways about car insurance in Bluewater Village

The auto insurance costs in Bluewater Village fall around $650 for six months.
The cheapest auto insurance company in Bluewater Village is Central Mutual.
Teen drivers pay the highest rate in Bluewater Village at $653 per month.

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Cheapest Minimum Liability Car Insurance in Bluewater Village

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 Bluewater Village are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Bluewater Village. Their Average 6 Month Premium is $115. Allstate is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Bluewater Village, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$115	$19
USAA	$147	$25
Central Insurance	$180	$30
Iowa Farm Bureau	$186	$31
Farm Bureau	$219	$37
Encompass	$224	$38
Progressive	$224	$38
State Farm	$240	$40
Kemper	$322	$55
Farmers	$350	$59
Nationwide	$361	$62
Allstate	$487	$82

Cheapest Full Coverage Car Insurance in Bluewater Village

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 Bluewater Village is USAA at $109 per month and $650 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bluewater Village, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$650	$109
Encompass	$705	$118
State Farm	$705	$119
Nationwide	$787	$132
Progressive	$831	$140
Central Mutual	$885	$147
Farmers	$1022	$172
Central Insurance	$1104	$184
Farm Bureau	$1110	$189
Allstate	$1290	$217
Kemper	$1000	$167

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Average Car Insurance in Bluewater Village 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 Bluewater Village, NM increasing?

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

Car Insurance Premiums by Age in Bluewater Village

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	$538
40s	MetLife	$502
50s	MetLife	$462
60s	MetLife	$439
70s	MetLife	$570

Cheapest Car Insurance Rates for Teen Drivers in Bluewater Village,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Bluewater Village at $29 per month. At $3880 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$169	$29
Iowa Farm Bureau	$246	$41
Kemper	$251	$42
USAA	$907	$153
State Farm	$1459	$246
Farm Bureau	$1777	$302
Progressive	$2268	$382
Nationwide	$3214	$546
Farmers	$3766	$634
Allstate	$3880	$653

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 Bluewater Village.

As young drivers face the highest rates in Bluewater Village, MetLife offers the cheapest auto insurance rates at $538 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 Bluewater Village, Kemper is the cheapest car insurance provider. At $301 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 Bluewater Village is State Farm, offering rates of around $2574 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$301	$52
USAA	$760	$127
Progressive	$776	$131
Farmers	$1328	$224
Farm Bureau	$1617	$275
Allstate	$1684	$281
State Farm	$2574	$438

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Car Insurance Rates with An Accident in Bluewater Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bluewater Village

The cheapest car insurance companies after an at-fault accident in Bluewater Village include Central Mutual and Central Insurance, offering $115 and $246, respectively. Allstate is an expensive provider with an average six-month premium of $1940.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$115	$19
Central Insurance	$246	$41
Encompass	$273	$46
Kemper	$295	$51
Iowa Farm Bureau	$301	$50
USAA	$476	$80
State Farm	$634	$107
Progressive	$694	$117
Farm Bureau	$1513	$252
Farmers	$1777	$299
Nationwide	$1803	$301
Allstate	$1940	$327

Bluewater Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bluewater Village NM. For example, the car insurance in Bluewater Village after a DUI increases to $863 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

Bluewater Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$924	$154
One Med/PIP claim	$935	$159
Not-at-fault accident	$961	$160
One comp claim	$967	$165
Two Med/PIP claims	$978	$163
Two comp claims	$1006	$171
Failure to show documents	$1017	$169
Failure to wear a seat belt	$1022	$174
Child safety restraint	$1060	$177
Driving without lights	$1060	$180
In 65 MPH zone	$1093	$182
Cell phone violation	$1098	$187
Texting while driving	$1098	$183
At-fault accident - less than $1000	$1104	$188
Driving with expired registration	$1104	$184
Speeding 11 - 15 MPH over limit	$1115	$190
Speeding 16 - 20 MPH over limit	$1115	$186
Speeding 6 - 10 MPH over limit	$1115	$190
Driving too slowly	$1121	$187
Failure to stop at a red light	$1121	$190
Failure to yield	$1121	$187
Following too closely	$1121	$190
Illegal turn	$1121	$187
Improper passing	$1121	$190
Speeding in school zone	$1121	$187
Wrong way/wrong lane	$1121	$190
Passing school bus	$1137	$190
Operating a vehicle without permission	$1153	$196
Speeding 21 - 25 MPH over limit	$1153	$192
Open container	$1284	$218
At-fault accident - $1000-$2000	$1306	$218
At-fault accident - greater than $2000	$1317	$224
Reckless driving	$1710	$285
Driving with a suspended license	$1716	$292
Refusal to submit to a chemical test	$1738	$290
DUI	$1787	$304
Racing	$1825	$305
Leaving scene of an accident/hit and run	$1836	$312

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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 Bluewater Village 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 Bluewater Village.

The cheapest car insurance premiums in Bluewater Village are offered by Kemper at $295 for a six-month policy. However, it can be as expensive as $1967 with companies like Farm Bureau.

Bluewater Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$295	$50
Central Insurance	$361	$62
Progressive	$645	$109
State Farm	$667	$112
USAA	$749	$126
Farmers	$1093	$184
Nationwide	$1180	$197
Allstate	$1580	$266
Farm Bureau	$1967	$328

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 Bluewater Village are offered by Iowa Farm Bureau at $224. However, it can be as expensive as $2957 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bluewater Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$224	$38
USAA	$443	$74
State Farm	$513	$86
Progressive	$569	$96
Farm Bureau	$1164	$198
Farmers	$2388	$398
Allstate	$2957	$502

Car Insurance Price Trends in Bluewater Village, New Mexico

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

The average cost of full coverage in the Bluewater Village rose by $178 in December compared to $174 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 Bluewater Village rose to $42 in December, compared to $40 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bluewater Village?

The car insurance in Bluewater Village is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Bluewater Village?

The cheapest car insurance in Bluewater Village is $109 per month for full coverage.

How much is car insurance in Bluewater Village for teenagers?

Car insurance for teenagers costs $169 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 Bluewater Village?

The average cost of car insurance is $996 for a six-month policy. It will cost around $154 per month to insure your car in Bluewater Village.

Is car insurance expensive in Bluewater Village?

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

What is the best car insurance in Bluewater Village, NM?

The best car insurance company in Bluewater Village NM is USAA, offering $650 for a six-month policy.