Cheapest Car Insurance Quotes in Canjilon

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Canjilon 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 Canjilon

The car insurance rate in Canjilon is $1066 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $756, making it a popular choice for budget-conscious drivers. Rates in Canjilon 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 Canjilon

$1066

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Canjilon

1st place: USAA

At $756 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: State Farm

State Farm offers auto insurance rates at $820 for six months, making it the third cheapest auto insurance company in Canjilon.

Canjilon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Canjilon, NM is USAA, offering policies at just $756 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, Kemper is the most expensive, with rates reaching $1163 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Canjilon drivers find the best deals.

Cheap Car Insurance Companies in Canjilon, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$756	$127
Encompass	$820	$137
State Farm	$820	$138
Nationwide	$915	$154
Progressive	$966	$163
Central Mutual	$1029	$171
Farmers	$1189	$200
Central Insurance	$1284	$214
Farm Bureau	$1290	$219
Allstate	$1500	$253
Kemper	$1163	$194

Key Takeaways

Way's key takeaways about car insurance in Canjilon

The auto insurance costs in Canjilon fall around $756 for six months.
The cheapest auto insurance company in Canjilon is Central Mutual.
Teen drivers pay the highest rate in Canjilon at $760 per month.

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Cheapest Minimum Liability Car Insurance in Canjilon

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 Canjilon are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Canjilon. Their Average 6 Month Premium is $134. Allstate is the most expensive at $566 for the same period.

Cheapest Liability Coverage in Canjilon, 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
Farm Bureau	$255	$43
Encompass	$261	$44
Progressive	$261	$44
State Farm	$279	$47
Kemper	$375	$64
Farmers	$407	$68
Nationwide	$419	$72
Allstate	$566	$95

Cheapest Full Coverage Car Insurance in Canjilon

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 Canjilon is USAA at $127 per month and $756 for six months.

Cheapest Full Coverage Car Insurance Quotes in Canjilon, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$756	$127
Encompass	$820	$137
State Farm	$820	$138
Nationwide	$915	$154
Progressive	$966	$163
Central Mutual	$1029	$171
Farmers	$1189	$200
Central Insurance	$1284	$214
Farm Bureau	$1290	$219
Allstate	$1500	$253
Kemper	$1163	$194

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Average Car Insurance in Canjilon 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 Canjilon, NM increasing?

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

Car Insurance Premiums by Age in Canjilon

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 Canjilon,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Canjilon at $33 per month. At $4512 for a six-month premium, Allstate 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	$1055	$178
State Farm	$1697	$286
Farm Bureau	$2066	$351
Progressive	$2638	$444
Nationwide	$3738	$636
Farmers	$4380	$737
Allstate	$4512	$760

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 Canjilon.

As young drivers face the highest rates in Canjilon, 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 Canjilon, 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 Canjilon is State Farm, offering rates of around $2994 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$350	$60
USAA	$884	$148
Progressive	$902	$152
Farmers	$1544	$260
Farm Bureau	$1881	$320
Allstate	$1958	$326
State Farm	$2994	$509

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Car Insurance Rates with An Accident in Canjilon

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

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

The cheapest car insurance companies after an at-fault accident in Canjilon include Central Mutual and Central Insurance, offering $134 and $286, respectively. Allstate is an expensive provider with an average six-month premium of $2257.

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	$553	$93
State Farm	$737	$124
Progressive	$807	$136
Farm Bureau	$1760	$293
Farmers	$2066	$348
Nationwide	$2097	$350
Allstate	$2257	$380

Canjilon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Canjilon NM. For example, the car insurance in Canjilon 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.

Canjilon 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 Canjilon 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 Canjilon.

The cheapest car insurance premiums in Canjilon are offered by Kemper at $343 for a six-month policy. However, it can be as expensive as $2288 with companies like Farm Bureau.

Canjilon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$58
Central Insurance	$419	$72
Progressive	$750	$126
State Farm	$776	$131
USAA	$871	$147
Farmers	$1271	$214
Nationwide	$1373	$229
Allstate	$1837	$309
Farm Bureau	$2288	$381

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 Canjilon are offered by Iowa Farm Bureau at $261. However, it can be as expensive as $3439 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Canjilon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$261	$44
USAA	$515	$86
State Farm	$597	$101
Progressive	$661	$111
Farm Bureau	$1354	$230
Farmers	$2778	$463
Allstate	$3439	$584

Car Insurance Price Trends in Canjilon, New Mexico

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

The average cost of full coverage in the Canjilon rose by $207 in December compared to $202 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Canjilon rose to $49 in December, compared to $46 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 Canjilon?

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

What is the cheapest car insurance in Canjilon?

The cheapest car insurance in Canjilon is $127 per month for full coverage.

How much is car insurance in Canjilon 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 Canjilon?

The average cost of car insurance is $996 for a six-month policy. It will cost around $179 per month to insure your car in Canjilon.

Is car insurance expensive in Canjilon?

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

What is the best car insurance in Canjilon, NM?

The best car insurance company in Canjilon NM is USAA, offering $756 for a six-month policy.