Cheapest Car Insurance Quotes in Carlsbad

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Carlsbad 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 Carlsbad

The car insurance rate in Carlsbad is $1119 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $762, making it a popular choice for budget-conscious drivers. Rates in Carlsbad 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 Carlsbad

$1119

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in Carlsbad

1st place: USAA

At $762 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $812 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $906 for six months, making it the third cheapest auto insurance company in Carlsbad.

Carlsbad Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carlsbad, NM is USAA, offering policies at just $762 for a six-month term. This is followed by Encompass, which has an average six-month premium of $812.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carlsbad drivers find the best deals.

Cheap Car Insurance Companies in Carlsbad, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$762	$128
Encompass	$812	$136
Nationwide	$906	$153
State Farm	$925	$156
Central Mutual	$1020	$174
Progressive	$1090	$183
Central Insurance	$1272	$216
Farmers	$1297	$218
Allstate	$1486	$250
Farm Bureau	$1625	$270

Key Takeaways

Way's key takeaways about car insurance in Carlsbad

The auto insurance costs in Carlsbad fall around $762 for six months.
The cheapest auto insurance company in Carlsbad is Central Mutual.
Teen drivers pay the highest rate in Carlsbad at $808 per month.

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Cheapest Minimum Liability Car Insurance in Carlsbad

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 Carlsbad are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Carlsbad. Their Average 6 Month Premium is $133. Allstate is the most expensive at $542 for the same period.

Cheapest Liability Coverage in Carlsbad, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$133	$22
USAA	$170	$29
Central Insurance	$208	$35
Iowa Farm Bureau	$214	$36
Encompass	$259	$43
State Farm	$296	$50
Farm Bureau	$328	$56
Progressive	$366	$61
Kemper	$371	$64
Nationwide	$416	$69
Farmers	$422	$71
Allstate	$542	$91

Cheapest Full Coverage Car Insurance in Carlsbad

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 Carlsbad is USAA at $128 per month and $762 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carlsbad, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$762	$128
Encompass	$812	$136
Nationwide	$906	$153
State Farm	$925	$156
Central Mutual	$1020	$174
Progressive	$1090	$183
Central Insurance	$1272	$216
Farmers	$1297	$218
Allstate	$1486	$250
Farm Bureau	$1625	$270

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Average Car Insurance in Carlsbad 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 Carlsbad, NM increasing?

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

Car Insurance Premiums by Age in Carlsbad

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	$620
40s	MetLife	$579
50s	MetLife	$532
60s	MetLife	$506
70s	MetLife	$657

Cheapest Car Insurance Rates for Teen Drivers in Carlsbad,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Carlsbad at $33 per month. At $4798 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$195	$33
Iowa Farm Bureau	$283	$48
Kemper	$289	$49
USAA	$1090	$183
State Farm	$1945	$328
Farm Bureau	$2688	$457
Progressive	$3375	$568
Nationwide	$3703	$630
Allstate	$4470	$753
Farmers	$4798	$808

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 Carlsbad.

As young drivers face the highest rates in Carlsbad, MetLife offers the cheapest auto insurance rates at $620 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 Carlsbad, Kemper is the cheapest car insurance provider. At $347 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 Carlsbad is State Farm, offering rates of around $4357 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$347	$59
USAA	$970	$161
Progressive	$1417	$239
Farmers	$1820	$306
Allstate	$1940	$330
Farm Bureau	$2431	$405
State Farm	$4357	$741

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Car Insurance Rates with An Accident in Carlsbad

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

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

The cheapest car insurance companies after an at-fault accident in Carlsbad include Central Mutual and Central Insurance, offering $133 and $283, respectively. Farmers is an expensive provider with an average six-month premium of $2298.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$133	$22
Central Insurance	$283	$48
Encompass	$315	$53
Kemper	$340	$58
Iowa Farm Bureau	$347	$57
USAA	$567	$95
State Farm	$793	$134
Progressive	$1007	$170
Nationwide	$2078	$347
Allstate	$2236	$376
Farm Bureau	$2260	$376
Farmers	$2298	$387

Carlsbad Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carlsbad NM. For example, the car insurance in Carlsbad after a DUI increases to $995 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Carlsbad auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1064	$177
One Med/PIP claim	$1077	$183
Not-at-fault accident	$1108	$184
One comp claim	$1114	$190
Two Med/PIP claims	$1127	$188
Two comp claims	$1159	$197
Failure to show documents	$1171	$195
Failure to wear a seat belt	$1178	$200
Child safety restraint	$1221	$204
Driving without lights	$1221	$208
In 65 MPH zone	$1259	$210
Cell phone violation	$1266	$215
Texting while driving	$1266	$211
At-fault accident - less than $1000	$1272	$216
Driving with expired registration	$1272	$212
Speeding 11 - 15 MPH over limit	$1285	$218
Speeding 16 - 20 MPH over limit	$1285	$214
Speeding 6 - 10 MPH over limit	$1285	$218
Driving too slowly	$1291	$215
Failure to stop at a red light	$1291	$219
Failure to yield	$1291	$215
Following too closely	$1291	$219
Illegal turn	$1291	$215
Improper passing	$1291	$219
Speeding in school zone	$1291	$215
Wrong way/wrong lane	$1291	$219
Passing school bus	$1310	$218
Operating a vehicle without permission	$1328	$226
Speeding 21 - 25 MPH over limit	$1328	$222
Open container	$1480	$251
At-fault accident - $1000-$2000	$1505	$251
At-fault accident - greater than $2000	$1518	$258
Reckless driving	$1971	$329
Driving with a suspended license	$1977	$336
Refusal to submit to a chemical test	$2002	$334
DUI	$2059	$350
Racing	$2103	$351
Leaving scene of an accident/hit and run	$2116	$359

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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 Carlsbad 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 Carlsbad.

The cheapest car insurance premiums in Carlsbad are offered by Kemper at $340 for a six-month policy. However, it can be as expensive as $2985 with companies like Farm Bureau.

Carlsbad car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$57
Central Insurance	$416	$71
USAA	$900	$152
State Farm	$964	$162
Progressive	$976	$164
Nationwide	$1360	$231
Farmers	$1417	$239
Allstate	$1820	$306
Farm Bureau	$2985	$497

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 Carlsbad are offered by Iowa Farm Bureau at $259. However, it can be as expensive as $3110 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Carlsbad after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$259	$43
State Farm	$655	$110
USAA	$655	$111
Progressive	$1240	$209
Farm Bureau	$1750	$298
Allstate	$3110	$518
Farmers	$3110	$529

Car Insurance Price Trends in Carlsbad, New Mexico

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

The average cost of full coverage in the Carlsbad remained steady at $234 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Carlsbad remained steady at $53 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 Carlsbad?

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

What is the cheapest car insurance in Carlsbad?

The cheapest car insurance in Carlsbad is $128 per month for full coverage.

How much is car insurance in Carlsbad for teenagers?

Car insurance for teenagers costs $195 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 Carlsbad?

The average cost of car insurance is $1056 for a six-month policy. It will cost around $188 per month to insure your car in Carlsbad.

Is car insurance expensive in Carlsbad?

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

What is the best car insurance in Carlsbad, NM?

The best car insurance company in Carlsbad NM is USAA, offering $762 for a six-month policy.