Cheapest Car Insurance Quotes in Chamberino

Finding the cheapest car insurance quotes in Chamberino shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Chamberino Car Insurance

^$ 20

/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 Chamberino

The car insurance rate in Chamberino is $956 for a six-month policy, which is $40 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $679, making it a popular choice for budget-conscious drivers. Rates in Chamberino 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 Chamberino

$956

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Chamberino

1st place: USAA

At $679 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $735 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 $735 for six months, making it the third cheapest auto insurance company in Chamberino.

Chamberino Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chamberino, NM is USAA, offering policies at just $679 for a six-month term. This is followed by Encompass, which has an average six-month premium of $735.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1044 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chamberino drivers find the best deals.

Cheap Car Insurance Companies in Chamberino, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$679	$114
Encompass	$735	$123
State Farm	$735	$124
Nationwide	$821	$138
Progressive	$867	$146
Central Mutual	$924	$154
Farmers	$1067	$180
Central Insurance	$1152	$192
Farm Bureau	$1158	$197
Allstate	$1346	$227
Kemper	$1044	$174

Key Takeaways

Way's key takeaways about car insurance in Chamberino

The auto insurance costs in Chamberino fall around $679 for six months.
The cheapest auto insurance company in Chamberino is Central Mutual.
Teen drivers pay the highest rate in Chamberino at $682 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Chamberino

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 Chamberino are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Chamberino. Their Average 6 Month Premium is $120. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Chamberino, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$120	$20
USAA	$154	$26
Central Insurance	$188	$32
Iowa Farm Bureau	$194	$33
Farm Bureau	$228	$38
Encompass	$234	$39
Progressive	$234	$39
State Farm	$251	$42
Kemper	$336	$58
Farmers	$365	$61
Nationwide	$376	$64
Allstate	$508	$85

Cheapest Full Coverage Car Insurance in Chamberino

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 Chamberino is USAA at $114 per month and $679 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chamberino, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$679	$114
Encompass	$735	$123
State Farm	$735	$124
Nationwide	$821	$138
Progressive	$867	$146
Central Mutual	$924	$154
Farmers	$1067	$180
Central Insurance	$1152	$192
Farm Bureau	$1158	$197
Allstate	$1346	$227
Kemper	$1044	$174

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Chamberino Instantly!

Average Car Insurance in Chamberino 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 Chamberino, NM increasing?

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

Car Insurance Premiums by Age in Chamberino

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	$562
40s	MetLife	$524
50s	MetLife	$482
60s	MetLife	$458
70s	MetLife	$595

Cheapest Car Insurance Rates for Teen Drivers in Chamberino,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Chamberino at $30 per month. At $4048 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$177	$30
Iowa Farm Bureau	$256	$43
Kemper	$262	$44
USAA	$947	$159
State Farm	$1523	$256
Farm Bureau	$1854	$315
Progressive	$2366	$398
Nationwide	$3353	$570
Farmers	$3929	$661
Allstate	$4048	$682

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 Chamberino.

As young drivers face the highest rates in Chamberino, MetLife offers the cheapest auto insurance rates at $562 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 Chamberino, Kemper is the cheapest car insurance provider. At $314 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 Chamberino is State Farm, offering rates of around $2686 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$314	$54
USAA	$793	$132
Progressive	$809	$136
Farmers	$1385	$233
Farm Bureau	$1688	$287
Allstate	$1757	$293
State Farm	$2686	$457

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Chamberino.

Car Insurance Rates with An Accident in Chamberino

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

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

The cheapest car insurance companies after an at-fault accident in Chamberino include Central Mutual and Central Insurance, offering $120 and $256, respectively. Allstate is an expensive provider with an average six-month premium of $2025.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$120	$20
Central Insurance	$256	$43
Encompass	$285	$48
Kemper	$308	$53
Iowa Farm Bureau	$314	$52
USAA	$496	$84
State Farm	$661	$111
Progressive	$724	$122
Farm Bureau	$1579	$263
Farmers	$1854	$312
Nationwide	$1882	$314
Allstate	$2025	$341

Chamberino Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chamberino NM. For example, the car insurance in Chamberino after a DUI increases to $900 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Chamberino auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$964	$160
One Med/PIP claim	$975	$166
Not-at-fault accident	$1003	$167
One comp claim	$1009	$172
Two Med/PIP claims	$1020	$170
Two comp claims	$1049	$179
Failure to show documents	$1061	$177
Failure to wear a seat belt	$1067	$181
Child safety restraint	$1106	$184
Driving without lights	$1106	$188
In 65 MPH zone	$1140	$190
Cell phone violation	$1146	$195
Texting while driving	$1146	$191
At-fault accident - less than $1000	$1152	$196
Driving with expired registration	$1152	$192
Speeding 11 - 15 MPH over limit	$1164	$198
Speeding 16 - 20 MPH over limit	$1164	$194
Speeding 6 - 10 MPH over limit	$1164	$198
Driving too slowly	$1169	$195
Failure to stop at a red light	$1169	$199
Failure to yield	$1169	$195
Following too closely	$1169	$199
Illegal turn	$1169	$195
Improper passing	$1169	$199
Speeding in school zone	$1169	$195
Wrong way/wrong lane	$1169	$199
Passing school bus	$1187	$198
Operating a vehicle without permission	$1203	$204
Speeding 21 - 25 MPH over limit	$1203	$201
Open container	$1340	$228
At-fault accident - $1000-$2000	$1363	$228
At-fault accident - greater than $2000	$1375	$233
Reckless driving	$1785	$298
Driving with a suspended license	$1790	$304
Refusal to submit to a chemical test	$1813	$302
DUI	$1864	$317
Racing	$1905	$318
Leaving scene of an accident/hit and run	$1916	$325

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Chamberino 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 Chamberino.

The cheapest car insurance premiums in Chamberino are offered by Kemper at $308 for a six-month policy. However, it can be as expensive as $2052 with companies like Farm Bureau.

Chamberino car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$308	$52
Central Insurance	$376	$64
Progressive	$673	$113
State Farm	$696	$117
USAA	$781	$132
Farmers	$1140	$192
Nationwide	$1232	$205
Allstate	$1648	$277
Farm Bureau	$2052	$342

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 Chamberino are offered by Iowa Farm Bureau at $234. However, it can be as expensive as $3085 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chamberino after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$234	$39
USAA	$462	$77
State Farm	$536	$90
Progressive	$593	$100
Farm Bureau	$1214	$206
Farmers	$2492	$416
Allstate	$3085	$524

Car Insurance Price Trends in Chamberino, New Mexico

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

The average cost of full coverage in the Chamberino rose by $185 in December compared to $181 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 Chamberino rose to $44 in December, compared to $41 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Chamberino?

The car insurance in Chamberino is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Chamberino?

The cheapest car insurance in Chamberino is $114 per month for full coverage.

How much is car insurance in Chamberino for teenagers?

Car insurance for teenagers costs $177 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 Chamberino?

The average cost of car insurance is $996 for a six-month policy. It will cost around $160 per month to insure your car in Chamberino.

Is car insurance expensive in Chamberino?

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

What is the best car insurance in Chamberino, NM?

The best car insurance company in Chamberino NM is USAA, offering $679 for a six-month policy.