Cheapest Car Insurance Quotes in Church Rock

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Church Rock 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 Church Rock

The car insurance rate in Church Rock is $936 for a six-month policy, which is $60 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $665, making it a popular choice for budget-conscious drivers. Rates in Church Rock 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 Church Rock

$936

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Church Rock

1st place: USAA

At $665 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $720 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 $720 for six months, making it the third cheapest auto insurance company in Church Rock.

Church Rock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Church Rock, NM is USAA, offering policies at just $665 for a six-month term. This is followed by Encompass, which has an average six-month premium of $720.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Church Rock drivers find the best deals.

Cheap Car Insurance Companies in Church Rock, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$665	$112
Encompass	$720	$120
State Farm	$720	$121
Nationwide	$804	$135
Progressive	$849	$143
Central Mutual	$904	$150
Farmers	$1044	$176
Central Insurance	$1128	$188
Farm Bureau	$1134	$193
Allstate	$1318	$222
Kemper	$1022	$170

Key Takeaways

Way's key takeaways about car insurance in Church Rock

The auto insurance costs in Church Rock fall around $665 for six months.
The cheapest auto insurance company in Church Rock is Central Mutual.
Teen drivers pay the highest rate in Church Rock at $667 per month.

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Cheapest Minimum Liability Car Insurance in Church Rock

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 Church Rock are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Church Rock. Their Average 6 Month Premium is $118. Allstate is the most expensive at $497 for the same period.

Cheapest Liability Coverage in Church Rock, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$118	$20
USAA	$150	$25
Central Insurance	$184	$31
Iowa Farm Bureau	$190	$32
Farm Bureau	$224	$38
Encompass	$229	$39
Progressive	$229	$39
State Farm	$245	$41
Kemper	$329	$56
Farmers	$357	$60
Nationwide	$368	$63
Allstate	$497	$84

Cheapest Full Coverage Car Insurance in Church Rock

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 Church Rock is USAA at $112 per month and $665 for six months.

Cheapest Full Coverage Car Insurance Quotes in Church Rock, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$665	$112
Encompass	$720	$120
State Farm	$720	$121
Nationwide	$804	$135
Progressive	$849	$143
Central Mutual	$904	$150
Farmers	$1044	$176
Central Insurance	$1128	$188
Farm Bureau	$1134	$193
Allstate	$1318	$222
Kemper	$1022	$170

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Average Car Insurance in Church Rock 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 Church Rock, NM increasing?

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

Car Insurance Premiums by Age in Church Rock

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	$550
40s	MetLife	$513
50s	MetLife	$472
60s	MetLife	$448
70s	MetLife	$583

Cheapest Car Insurance Rates for Teen Drivers in Church Rock,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Church Rock at $29 per month. At $3964 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$173	$29
Iowa Farm Bureau	$251	$42
Kemper	$257	$43
USAA	$927	$156
State Farm	$1491	$251
Farm Bureau	$1815	$308
Progressive	$2317	$390
Nationwide	$3283	$558
Farmers	$3847	$648
Allstate	$3964	$667

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 Church Rock.

As young drivers face the highest rates in Church Rock, MetLife offers the cheapest auto insurance rates at $550 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 Church Rock, Kemper is the cheapest car insurance provider. At $307 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 Church Rock is State Farm, offering rates of around $2630 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$307	$53
USAA	$776	$130
Progressive	$792	$133
Farmers	$1356	$228
Farm Bureau	$1653	$281
Allstate	$1720	$287
State Farm	$2630	$447

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Car Insurance Rates with An Accident in Church Rock

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

Cheapest Car Insurance Companies after an At-Fault Accident in Church Rock

The cheapest car insurance companies after an at-fault accident in Church Rock include Central Mutual and Central Insurance, offering $118 and $251, respectively. Allstate is an expensive provider with an average six-month premium of $1982.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$118	$20
Central Insurance	$251	$42
Encompass	$279	$47
Kemper	$302	$52
Iowa Farm Bureau	$307	$51
USAA	$486	$82
State Farm	$648	$109
Progressive	$709	$119
Farm Bureau	$1546	$258
Farmers	$1815	$306
Nationwide	$1842	$307
Allstate	$1982	$334

Church Rock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Church Rock NM. For example, the car insurance in Church Rock after a DUI increases to $881 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Church Rock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$944	$157
One Med/PIP claim	$955	$163
Not-at-fault accident	$982	$164
One comp claim	$988	$168
Two Med/PIP claims	$999	$166
Two comp claims	$1027	$175
Failure to show documents	$1039	$173
Failure to wear a seat belt	$1044	$178
Child safety restraint	$1083	$180
Driving without lights	$1083	$184
In 65 MPH zone	$1117	$186
Cell phone violation	$1122	$191
Texting while driving	$1122	$187
At-fault accident - less than $1000	$1128	$192
Driving with expired registration	$1128	$188
Speeding 11 - 15 MPH over limit	$1139	$194
Speeding 16 - 20 MPH over limit	$1139	$190
Speeding 6 - 10 MPH over limit	$1139	$194
Driving too slowly	$1145	$191
Failure to stop at a red light	$1145	$195
Failure to yield	$1145	$191
Following too closely	$1145	$195
Illegal turn	$1145	$191
Improper passing	$1145	$195
Speeding in school zone	$1145	$191
Wrong way/wrong lane	$1145	$195
Passing school bus	$1162	$194
Operating a vehicle without permission	$1178	$200
Speeding 21 - 25 MPH over limit	$1178	$196
Open container	$1312	$223
At-fault accident - $1000-$2000	$1335	$223
At-fault accident - greater than $2000	$1346	$228
Reckless driving	$1747	$291
Driving with a suspended license	$1753	$298
Refusal to submit to a chemical test	$1776	$296
DUI	$1825	$310
Racing	$1865	$311
Leaving scene of an accident/hit and run	$1876	$319

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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 Church Rock 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 Church Rock.

The cheapest car insurance premiums in Church Rock are offered by Kemper at $302 for a six-month policy. However, it can be as expensive as $2010 with companies like Farm Bureau.

Church Rock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$302	$51
Central Insurance	$368	$63
Progressive	$659	$111
State Farm	$682	$115
USAA	$765	$129
Farmers	$1117	$188
Nationwide	$1206	$201
Allstate	$1614	$272
Farm Bureau	$2010	$335

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 Church Rock are offered by Iowa Farm Bureau at $229. However, it can be as expensive as $3021 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Church Rock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$229	$39
USAA	$452	$75
State Farm	$525	$88
Progressive	$581	$98
Farm Bureau	$1189	$202
Farmers	$2440	$407
Allstate	$3021	$513

Car Insurance Price Trends in Church Rock, New Mexico

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

The average cost of full coverage in the Church Rock rose by $181 in December compared to $178 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Church Rock rose to $43 in December, compared to $40 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 Church Rock?

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

What is the cheapest car insurance in Church Rock?

The cheapest car insurance in Church Rock is $112 per month for full coverage.

How much is car insurance in Church Rock for teenagers?

Car insurance for teenagers costs $173 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 Church Rock?

The average cost of car insurance is $996 for a six-month policy. It will cost around $157 per month to insure your car in Church Rock.

Is car insurance expensive in Church Rock?

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

What is the best car insurance in Church Rock, NM?

The best car insurance company in Church Rock NM is USAA, offering $665 for a six-month policy.