Cheapest Car Insurance Quotes in Carnuel

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Carnuel Car Insurance

^$ 25

/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 Carnuel

The car insurance rate in Carnuel is $1195 for a six-month policy, which is $199 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $848, making it a popular choice for budget-conscious drivers. Rates in Carnuel 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 Carnuel

$1195

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Carnuel

1st place: USAA

At $848 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $919 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 $919 for six months, making it the third cheapest auto insurance company in Carnuel.

Carnuel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carnuel, NM is USAA, offering policies at just $848 for a six-month term. This is followed by Encompass, which has an average six-month premium of $919.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1304 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carnuel drivers find the best deals.

Cheap Car Insurance Companies in Carnuel, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$848	$143
Encompass	$919	$154
State Farm	$919	$155
Nationwide	$1026	$173
Progressive	$1084	$182
Central Mutual	$1154	$192
Farmers	$1333	$224
Central Insurance	$1440	$240
Farm Bureau	$1447	$246
Allstate	$1682	$283
Kemper	$1304	$217

Key Takeaways

Way's key takeaways about car insurance in Carnuel

The auto insurance costs in Carnuel fall around $848 for six months.
The cheapest auto insurance company in Carnuel is Central Mutual.
Teen drivers pay the highest rate in Carnuel at $852 per month.

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Cheapest Minimum Liability Car Insurance in Carnuel

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 Carnuel are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Carnuel. Their Average 6 Month Premium is $150. Allstate is the most expensive at $635 for the same period.

Cheapest Liability Coverage in Carnuel, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$150	$25
USAA	$192	$32
Central Insurance	$235	$40
Iowa Farm Bureau	$242	$41
Farm Bureau	$286	$48
Encompass	$293	$49
Progressive	$293	$49
State Farm	$313	$53
Kemper	$420	$72
Farmers	$456	$77
Nationwide	$470	$80
Allstate	$635	$107

Cheapest Full Coverage Car Insurance in Carnuel

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 Carnuel is USAA at $143 per month and $848 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carnuel, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$848	$143
Encompass	$919	$154
State Farm	$919	$155
Nationwide	$1026	$173
Progressive	$1084	$182
Central Mutual	$1154	$192
Farmers	$1333	$224
Central Insurance	$1440	$240
Farm Bureau	$1447	$246
Allstate	$1682	$283
Kemper	$1304	$217

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Average Car Insurance in Carnuel 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 Carnuel, NM increasing?

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

Car Insurance Premiums by Age in Carnuel

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	$702
40s	MetLife	$655
50s	MetLife	$602
60s	MetLife	$572
70s	MetLife	$744

Cheapest Car Insurance Rates for Teen Drivers in Carnuel,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Carnuel at $37 per month. At $5060 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$221	$37
Iowa Farm Bureau	$320	$54
Kemper	$328	$55
USAA	$1183	$199
State Farm	$1903	$320
Farm Bureau	$2317	$394
Progressive	$2958	$498
Nationwide	$4192	$713
Farmers	$4912	$827
Allstate	$5060	$852

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 Carnuel.

As young drivers face the highest rates in Carnuel, MetLife offers the cheapest auto insurance rates at $702 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 Carnuel, Kemper is the cheapest car insurance provider. At $392 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 Carnuel is State Farm, offering rates of around $3358 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$67
USAA	$991	$166
Progressive	$1012	$170
Farmers	$1732	$292
Farm Bureau	$2110	$359
Allstate	$2196	$366
State Farm	$3358	$571

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Car Insurance Rates with An Accident in Carnuel

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

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

The cheapest car insurance companies after an at-fault accident in Carnuel include Central Mutual and Central Insurance, offering $150 and $320, respectively. Allstate is an expensive provider with an average six-month premium of $2531.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$150	$25
Central Insurance	$320	$54
Encompass	$356	$60
Kemper	$385	$66
Iowa Farm Bureau	$392	$65
USAA	$620	$104
State Farm	$827	$139
Progressive	$905	$152
Farm Bureau	$1974	$329
Farmers	$2317	$390
Nationwide	$2352	$392
Allstate	$2531	$426

Carnuel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carnuel NM. For example, the car insurance in Carnuel after a DUI increases to $1125 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Carnuel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1205	$200
One Med/PIP claim	$1219	$208
Not-at-fault accident	$1254	$209
One comp claim	$1261	$215
Two Med/PIP claims	$1276	$212
Two comp claims	$1312	$223
Failure to show documents	$1326	$221
Failure to wear a seat belt	$1333	$227
Child safety restraint	$1382	$230
Driving without lights	$1382	$235
In 65 MPH zone	$1426	$238
Cell phone violation	$1433	$244
Texting while driving	$1433	$239
At-fault accident - less than $1000	$1440	$245
Driving with expired registration	$1440	$240
Speeding 11 - 15 MPH over limit	$1454	$247
Speeding 16 - 20 MPH over limit	$1454	$242
Speeding 6 - 10 MPH over limit	$1454	$247
Driving too slowly	$1462	$244
Failure to stop at a red light	$1462	$248
Failure to yield	$1462	$244
Following too closely	$1462	$248
Illegal turn	$1462	$244
Improper passing	$1462	$248
Speeding in school zone	$1462	$244
Wrong way/wrong lane	$1462	$248
Passing school bus	$1483	$247
Operating a vehicle without permission	$1504	$256
Speeding 21 - 25 MPH over limit	$1504	$251
Open container	$1675	$284
At-fault accident - $1000-$2000	$1704	$284
At-fault accident - greater than $2000	$1718	$292
Reckless driving	$2231	$372
Driving with a suspended license	$2238	$380
Refusal to submit to a chemical test	$2267	$378
DUI	$2330	$396
Racing	$2381	$397
Leaving scene of an accident/hit and run	$2395	$407

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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 Carnuel 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 Carnuel.

The cheapest car insurance premiums in Carnuel are offered by Kemper at $385 for a six-month policy. However, it can be as expensive as $2566 with companies like Farm Bureau.

Carnuel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$385	$65
Central Insurance	$470	$80
Progressive	$841	$142
State Farm	$870	$146
USAA	$977	$164
Farmers	$1426	$240
Nationwide	$1540	$257
Allstate	$2060	$347
Farm Bureau	$2566	$427

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 Carnuel are offered by Iowa Farm Bureau at $293. However, it can be as expensive as $3857 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Carnuel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$293	$49
USAA	$577	$96
State Farm	$670	$113
Progressive	$742	$125
Farm Bureau	$1518	$258
Farmers	$3115	$520
Allstate	$3857	$655

Car Insurance Price Trends in Carnuel, New Mexico

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

The average cost of full coverage in the Carnuel rose by $232 in December compared to $227 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 Carnuel rose to $55 in December, compared to $52 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 Carnuel?

The car insurance in Carnuel is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Carnuel?

The cheapest car insurance in Carnuel is $143 per month for full coverage.

How much is car insurance in Carnuel for teenagers?

Car insurance for teenagers costs $221 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 Carnuel?

The average cost of car insurance is $996 for a six-month policy. It will cost around $200 per month to insure your car in Carnuel.

Is car insurance expensive in Carnuel?

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

What is the best car insurance in Carnuel, NM?

The best car insurance company in Carnuel NM is USAA, offering $848 for a six-month policy.