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Finding the cheapest car insurance quotes in Dona Ana 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.
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 Dona Ana
The car insurance rate in Dona Ana 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 Dona Ana 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.
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 Dona Ana.
Dona Ana Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Dona Ana, 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 Dona Ana drivers find the best deals.
Way's key takeaways about car insurance in Dona Ana
The auto insurance costs in Dona Ana fall around $679 for six
months.
The cheapest auto insurance company in Dona Ana is Central Mutual.
Teen drivers pay the highest rate in Dona Ana 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 Dona Ana
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 Dona Ana are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in Dona Ana. Their Average 6 Month Premium is $120.
Allstate is the most
expensive at $508 for the same
period.
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 Dona Ana is USAA
at $114 per month and $679
for six months.
Cheapest Full Coverage Car Insurance Quotes in Dona Ana,
NM
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Instantly!
Average Car Insurance in Dona Ana 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 Dona Ana, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in Dona Ana, 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, Dona Ana's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Dona Ana
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
Dona Ana,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the Dona Ana at $30
per
month. At $4048 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties MetLife is
the best choice for car
insurance in Dona Ana.
As young drivers face the highest rates in Dona Ana, 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 Dona Ana,
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
Dona Ana is State Farm, offering
rates of around $2686 for six
months.
Save up to $971/yr on car insurance rates in Dona Ana.
Car Insurance Rates with An Accident in Dona Ana
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 Dona Ana, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Dona Ana
The cheapest car insurance companies after an at-fault accident in
Dona Ana include Central Mutual
and Central Insurance, offering $120
and $256,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2025.
Here is a list of driving violations that can increase your car
insurance rates in Dona Ana NM. For example, the car
insurance in Dona Ana
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.
Dona Ana 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
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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 Dona Ana 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 Dona Ana.
The cheapest car insurance premiums in
Dona Ana are
offered by Kemper at $308 for a six-month policy.
However, it can be as
expensive as $2052 with companies
like Farm Bureau.
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 Dona Ana 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 Dona Ana after Speeding ticket
Car Insurance Price Trends in Dona Ana,
New Mexico
Car insurance rates in Dona Ana have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dona Ana 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 Dona Ana rose to $44 in December,
compared to $41 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Dona Ana by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Dona Ana. At $1912 for a
six-month policy, insuring
your car at 88032 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Dona Ana?
The car insurance in Dona Ana is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Dona Ana?
The cheapest car insurance in Dona Ana
is $114 per month
for full coverage.
How much is car insurance in Dona Ana 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
Dona Ana?
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 Dona Ana.
Is car insurance expensive in Dona Ana?
Car insurance can be expensive in Dona Ana if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Dona Ana can be
affordable.
What is the best car insurance in Dona Ana,
NM?
The best car insurance company in Dona Ana
NM is
USAA, offering $679 for a
six-month policy.
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Dona Ana Car Insurance
