Cheapest Car Insurance Quotes in Costilla

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Costilla 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 Costilla

The car insurance rate in Costilla is $1098 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $748, making it a popular choice for budget-conscious drivers. Rates in Costilla 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 Costilla

$1098

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in Costilla

1st place: USAA

At $748 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $797 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $889 for six months, making it the third cheapest auto insurance company in Costilla.

Costilla Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Costilla, NM is USAA, offering policies at just $748 for a six-month term. This is followed by Encompass, which has an average six-month premium of $797.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1594 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Costilla drivers find the best deals.

Cheap Car Insurance Companies in Costilla, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$748	$126
Encompass	$797	$133
Nationwide	$889	$150
State Farm	$908	$153
Central Mutual	$1000	$171
Progressive	$1069	$180
Central Insurance	$1248	$212
Farmers	$1273	$214
Allstate	$1458	$245
Farm Bureau	$1594	$265

Key Takeaways

Way's key takeaways about car insurance in Costilla

The auto insurance costs in Costilla fall around $748 for six months.
The cheapest auto insurance company in Costilla is Central Mutual.
Teen drivers pay the highest rate in Costilla at $792 per month.

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Cheapest Minimum Liability Car Insurance in Costilla

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 Costilla are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Costilla. Their Average 6 Month Premium is $130. Allstate is the most expensive at $531 for the same period.

Cheapest Liability Coverage in Costilla, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$130	$22
USAA	$166	$28
Central Insurance	$204	$34
Iowa Farm Bureau	$210	$35
Encompass	$254	$43
State Farm	$290	$49
Farm Bureau	$321	$55
Progressive	$359	$60
Kemper	$364	$62
Nationwide	$408	$68
Farmers	$414	$70
Allstate	$531	$89

Cheapest Full Coverage Car Insurance in Costilla

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 Costilla is USAA at $126 per month and $748 for six months.

Cheapest Full Coverage Car Insurance Quotes in Costilla, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$748	$126
Encompass	$797	$133
Nationwide	$889	$150
State Farm	$908	$153
Central Mutual	$1000	$171
Progressive	$1069	$180
Central Insurance	$1248	$212
Farmers	$1273	$214
Allstate	$1458	$245
Farm Bureau	$1594	$265

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Average Car Insurance in Costilla 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 Costilla, NM increasing?

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

Car Insurance Premiums by Age in Costilla

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	$608
40s	MetLife	$568
50s	MetLife	$522
60s	MetLife	$496
70s	MetLife	$645

Cheapest Car Insurance Rates for Teen Drivers in Costilla,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Costilla at $32 per month. At $4707 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$191	$32
Iowa Farm Bureau	$278	$47
Kemper	$284	$48
USAA	$1069	$180
State Farm	$1908	$321
Farm Bureau	$2637	$448
Progressive	$3311	$557
Nationwide	$3633	$618
Allstate	$4386	$738
Farmers	$4707	$792

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 Costilla.

As young drivers face the highest rates in Costilla, MetLife offers the cheapest auto insurance rates at $608 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 Costilla, Kemper is the cheapest car insurance provider. At $340 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 Costilla is State Farm, offering rates of around $4274 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$58
USAA	$952	$158
Progressive	$1390	$234
Farmers	$1786	$301
Allstate	$1903	$323
Farm Bureau	$2385	$397
State Farm	$4274	$727

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Car Insurance Rates with An Accident in Costilla

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

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

The cheapest car insurance companies after an at-fault accident in Costilla include Central Mutual and Central Insurance, offering $130 and $278, respectively. Farmers is an expensive provider with an average six-month premium of $2255.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$130	$22
Central Insurance	$278	$47
Encompass	$309	$52
Kemper	$334	$57
Iowa Farm Bureau	$340	$56
USAA	$556	$94
State Farm	$778	$131
Progressive	$988	$166
Nationwide	$2038	$340
Allstate	$2193	$369
Farm Bureau	$2217	$369
Farmers	$2255	$380

Costilla Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Costilla NM. For example, the car insurance in Costilla after a DUI increases to $976 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Costilla auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1044	$174
One Med/PIP claim	$1057	$180
Not-at-fault accident	$1087	$181
One comp claim	$1093	$186
Two Med/PIP claims	$1106	$184
Two comp claims	$1137	$193
Failure to show documents	$1149	$191
Failure to wear a seat belt	$1155	$197
Child safety restraint	$1198	$200
Driving without lights	$1198	$204
In 65 MPH zone	$1236	$206
Cell phone violation	$1242	$211
Texting while driving	$1242	$207
At-fault accident - less than $1000	$1248	$212
Driving with expired registration	$1248	$208
Speeding 11 - 15 MPH over limit	$1260	$214
Speeding 16 - 20 MPH over limit	$1260	$210
Speeding 6 - 10 MPH over limit	$1260	$214
Driving too slowly	$1267	$211
Failure to stop at a red light	$1267	$215
Failure to yield	$1267	$211
Following too closely	$1267	$215
Illegal turn	$1267	$211
Improper passing	$1267	$215
Speeding in school zone	$1267	$211
Wrong way/wrong lane	$1267	$215
Passing school bus	$1285	$214
Operating a vehicle without permission	$1303	$222
Speeding 21 - 25 MPH over limit	$1303	$217
Open container	$1452	$246
At-fault accident - $1000-$2000	$1477	$246
At-fault accident - greater than $2000	$1489	$253
Reckless driving	$1933	$322
Driving with a suspended license	$1940	$330
Refusal to submit to a chemical test	$1965	$328
DUI	$2020	$343
Racing	$2063	$344
Leaving scene of an accident/hit and run	$2076	$353

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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 Costilla 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 Costilla.

The cheapest car insurance premiums in Costilla are offered by Kemper at $334 for a six-month policy. However, it can be as expensive as $2929 with companies like Farm Bureau.

Costilla car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$334	$56
Central Insurance	$408	$70
USAA	$883	$149
State Farm	$945	$159
Progressive	$958	$161
Nationwide	$1334	$227
Farmers	$1390	$234
Allstate	$1786	$301
Farm Bureau	$2929	$488

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 Costilla are offered by Iowa Farm Bureau at $254. However, it can be as expensive as $3051 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Costilla after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$254	$43
State Farm	$643	$108
USAA	$643	$109
Progressive	$1217	$205
Farm Bureau	$1717	$292
Allstate	$3051	$509
Farmers	$3051	$519

Car Insurance Price Trends in Costilla, New Mexico

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

The average cost of full coverage in the Costilla remained steady at $230 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Costilla remained steady at $52 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 Costilla?

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

What is the cheapest car insurance in Costilla?

The cheapest car insurance in Costilla is $126 per month for full coverage.

How much is car insurance in Costilla for teenagers?

Car insurance for teenagers costs $191 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 Costilla?

The average cost of car insurance is $1056 for a six-month policy. It will cost around $184 per month to insure your car in Costilla.

Is car insurance expensive in Costilla?

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

What is the best car insurance in Costilla, NM?

The best car insurance company in Costilla NM is USAA, offering $748 for a six-month policy.