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Finding the cheapest car insurance quotes in El Prado 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 El Prado
The car insurance rate in El Prado is $1046 for a six-month policy, which is $50 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $742, making it a popular choice for budget-conscious drivers. Rates in El Prado 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 $742 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $804 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 $804
for six months, making it
the third cheapest auto insurance company in El Prado.
El Prado Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in El Prado, NM is USAA, offering policies at just $742 for a six-month term. This is followed by Encompass, which has an average six-month premium of $804.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1141 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help El Prado drivers find the best deals.
Way's key takeaways about car insurance in El Prado
The auto insurance costs in El Prado fall around $742 for six
months.
The cheapest auto insurance company in El Prado is Central Mutual.
Teen drivers pay the highest rate in El Prado at $746 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 El Prado
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 El Prado are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in El Prado. Their Average 6 Month Premium is $131.
Allstate is the most
expensive at $555 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 El Prado is USAA
at $125 per month and $742
for six months.
Cheapest Full Coverage Car Insurance Quotes in El Prado,
NM
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Instantly!
Average Car Insurance in El Prado 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 El Prado, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in El Prado, 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, El Prado's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in El Prado
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
$614
40s
MetLife
$573
50s
MetLife
$527
60s
MetLife
$501
70s
MetLife
$651
Cheapest Car Insurance Rates for Teen Drivers in
El Prado,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the El Prado at $33
per
month. At $4428 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 El Prado.
As young drivers face the highest rates in El Prado, MetLife
offers the cheapest auto insurance rates at $614 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 El Prado,
Kemper is
the cheapest car insurance provider. At $343 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
El Prado is State Farm, offering
rates of around $2938 for six
months.
Save up to $971/yr on car insurance rates in El Prado.
Car Insurance Rates with An Accident in El Prado
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 El Prado, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in El Prado
The cheapest car insurance companies after an at-fault accident in
El Prado include Central Mutual
and Central Insurance, offering $131
and $280,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2214.
Here is a list of driving violations that can increase your car
insurance rates in El Prado NM. For example, the car
insurance in El Prado
after a DUI increases to $985 for a six
month policy. While the rate increases by $219 for a six-month policy in the case of
a speeding ticket.
El Prado auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1054
$175
One Med/PIP claim
$1067
$182
Not-at-fault accident
$1097
$183
One comp claim
$1104
$188
Two Med/PIP claims
$1116
$186
Two comp claims
$1148
$195
Failure to show documents
$1160
$193
Failure to wear a seat belt
$1167
$198
Child safety restraint
$1210
$202
Driving without lights
$1210
$206
In 65 MPH zone
$1247
$208
Cell phone violation
$1254
$213
Texting while driving
$1254
$209
At-fault accident - less than $1000
$1260
$214
Driving with expired registration
$1260
$210
Speeding 11 - 15 MPH over limit
$1273
$216
Speeding 16 - 20 MPH over limit
$1273
$212
Speeding 6 - 10 MPH over limit
$1273
$216
Driving too slowly
$1279
$213
Failure to stop at a red light
$1279
$217
Failure to yield
$1279
$213
Following too closely
$1279
$217
Illegal turn
$1279
$213
Improper passing
$1279
$217
Speeding in school zone
$1279
$213
Wrong way/wrong lane
$1279
$217
Passing school bus
$1298
$216
Operating a vehicle without permission
$1316
$224
Speeding 21 - 25 MPH over limit
$1316
$219
Open container
$1466
$249
At-fault accident - $1000-$2000
$1491
$249
At-fault accident - greater than $2000
$1504
$255
Reckless driving
$1952
$326
Driving with a suspended license
$1958
$333
Refusal to submit to a chemical test
$1983
$331
DUI
$2039
$347
Racing
$2083
$348
Leaving scene of an accident/hit and run
$2096
$356
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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 El Prado 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 El Prado.
The cheapest car insurance premiums in
El Prado are
offered by Kemper at $337 for a six-month policy.
However, it can be as
expensive as $2245 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 El Prado are offered by Iowa Farm Bureau
at $256. However,
it can be as expensive as $3375
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in El Prado after Speeding ticket
Car Insurance Price Trends in El Prado,
New Mexico
Car insurance rates in El Prado have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the El Prado rose by
$203 in December
compared to $198 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 El Prado rose to $48 in December,
compared to $45 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in El Prado 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
El Prado. At $2091 for a
six-month policy, insuring
your car at 87529 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 El Prado?
The car insurance in El Prado is $22 per month, which is lower than the national average.
What is the cheapest car insurance in El Prado?
The cheapest car insurance in El Prado
is $125 per month
for full coverage.
How much is car insurance in El Prado for teenagers?
Car insurance for teenagers costs $193 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
El Prado?
The average cost of car insurance is $996 for a six-month
policy. It will cost around $175 per month to insure your
car in El Prado.
Is car insurance expensive in El Prado?
Car insurance can be expensive in El Prado if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in El Prado can be
affordable.
What is the best car insurance in El Prado,
NM?
The best car insurance company in El Prado
NM is
USAA, offering $742 for a
six-month policy.
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El Prado Car Insurance
