Cheapest Car Insurance Quotes in Fruitland

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Fruitland Car Insurance

^$ 19

/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 Fruitland

The car insurance rate in Fruitland is $906 for a six-month policy, which is $90 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $643, making it a popular choice for budget-conscious drivers. Rates in Fruitland 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 Fruitland

$906

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Fruitland

1st place: USAA

At $643 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $697 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 $697 for six months, making it the third cheapest auto insurance company in Fruitland.

Fruitland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fruitland, NM is USAA, offering policies at just $643 for a six-month term. This is followed by Encompass, which has an average six-month premium of $697.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $989 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fruitland drivers find the best deals.

Cheap Car Insurance Companies in Fruitland, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$643	$108
Encompass	$697	$116
State Farm	$697	$117
Nationwide	$778	$131
Progressive	$822	$138
Central Mutual	$875	$146
Farmers	$1011	$170
Central Insurance	$1092	$182
Farm Bureau	$1097	$187
Allstate	$1276	$215
Kemper	$989	$165

Key Takeaways

Way's key takeaways about car insurance in Fruitland

The auto insurance costs in Fruitland fall around $643 for six months.
The cheapest auto insurance company in Fruitland is Central Mutual.
Teen drivers pay the highest rate in Fruitland at $646 per month.

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Cheapest Minimum Liability Car Insurance in Fruitland

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 Fruitland are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Fruitland. Their Average 6 Month Premium is $114. Allstate is the most expensive at $481 for the same period.

Cheapest Liability Coverage in Fruitland, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$114	$19
USAA	$146	$25
Central Insurance	$178	$30
Iowa Farm Bureau	$184	$31
Farm Bureau	$217	$36
Encompass	$222	$37
Progressive	$222	$37
State Farm	$238	$40
Kemper	$319	$55
Farmers	$346	$58
Nationwide	$357	$61
Allstate	$481	$81

Cheapest Full Coverage Car Insurance in Fruitland

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 Fruitland is USAA at $108 per month and $643 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fruitland, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$643	$108
Encompass	$697	$116
State Farm	$697	$117
Nationwide	$778	$131
Progressive	$822	$138
Central Mutual	$875	$146
Farmers	$1011	$170
Central Insurance	$1092	$182
Farm Bureau	$1097	$187
Allstate	$1276	$215
Kemper	$989	$165

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Average Car Insurance in Fruitland 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 Fruitland, NM increasing?

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

Car Insurance Premiums by Age in Fruitland

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	$532
40s	MetLife	$497
50s	MetLife	$457
60s	MetLife	$434
70s	MetLife	$564

Cheapest Car Insurance Rates for Teen Drivers in Fruitland,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Fruitland at $28 per month. At $3837 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$167	$28
Iowa Farm Bureau	$243	$41
Kemper	$248	$42
USAA	$897	$151
State Farm	$1443	$243
Farm Bureau	$1757	$298
Progressive	$2243	$378
Nationwide	$3179	$541
Farmers	$3725	$627
Allstate	$3837	$646

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 Fruitland.

As young drivers face the highest rates in Fruitland, MetLife offers the cheapest auto insurance rates at $532 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 Fruitland, Kemper is the cheapest car insurance provider. At $298 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 Fruitland is State Farm, offering rates of around $2546 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$298	$51
USAA	$752	$126
Progressive	$767	$129
Farmers	$1313	$221
Farm Bureau	$1600	$272
Allstate	$1665	$278
State Farm	$2546	$433

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Car Insurance Rates with An Accident in Fruitland

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

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

The cheapest car insurance companies after an at-fault accident in Fruitland include Central Mutual and Central Insurance, offering $114 and $243, respectively. Allstate is an expensive provider with an average six-month premium of $1919.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$114	$19
Central Insurance	$243	$41
Encompass	$270	$46
Kemper	$292	$50
Iowa Farm Bureau	$298	$49
USAA	$470	$79
State Farm	$627	$106
Progressive	$686	$116
Farm Bureau	$1497	$249
Farmers	$1757	$296
Nationwide	$1784	$298
Allstate	$1919	$323

Fruitland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fruitland NM. For example, the car insurance in Fruitland after a DUI increases to $853 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Fruitland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$914	$152
One Med/PIP claim	$925	$157
Not-at-fault accident	$951	$158
One comp claim	$956	$163
Two Med/PIP claims	$967	$161
Two comp claims	$995	$169
Failure to show documents	$1006	$167
Failure to wear a seat belt	$1011	$172
Child safety restraint	$1048	$175
Driving without lights	$1048	$178
In 65 MPH zone	$1081	$180
Cell phone violation	$1087	$185
Texting while driving	$1087	$181
At-fault accident - less than $1000	$1092	$186
Driving with expired registration	$1092	$182
Speeding 11 - 15 MPH over limit	$1103	$187
Speeding 16 - 20 MPH over limit	$1103	$184
Speeding 6 - 10 MPH over limit	$1103	$187
Driving too slowly	$1108	$185
Failure to stop at a red light	$1108	$188
Failure to yield	$1108	$185
Following too closely	$1108	$188
Illegal turn	$1108	$185
Improper passing	$1108	$188
Speeding in school zone	$1108	$185
Wrong way/wrong lane	$1108	$188
Passing school bus	$1125	$187
Operating a vehicle without permission	$1140	$194
Speeding 21 - 25 MPH over limit	$1140	$190
Open container	$1270	$216
At-fault accident - $1000-$2000	$1292	$216
At-fault accident - greater than $2000	$1303	$221
Reckless driving	$1692	$282
Driving with a suspended license	$1697	$288
Refusal to submit to a chemical test	$1719	$287
DUI	$1767	$300
Racing	$1805	$301
Leaving scene of an accident/hit and run	$1816	$308

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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 Fruitland 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 Fruitland.

The cheapest car insurance premiums in Fruitland are offered by Kemper at $292 for a six-month policy. However, it can be as expensive as $1946 with companies like Farm Bureau.

Fruitland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$292	$49
Central Insurance	$357	$61
Progressive	$638	$107
State Farm	$660	$111
USAA	$741	$125
Farmers	$1081	$182
Nationwide	$1168	$195
Allstate	$1562	$263
Farm Bureau	$1946	$324

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 Fruitland are offered by Iowa Farm Bureau at $222. However, it can be as expensive as $2925 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fruitland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$222	$37
USAA	$438	$73
State Farm	$508	$86
Progressive	$562	$95
Farm Bureau	$1151	$196
Farmers	$2362	$394
Allstate	$2925	$497

Car Insurance Price Trends in Fruitland, New Mexico

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

The average cost of full coverage in the Fruitland rose by $176 in December compared to $172 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 Fruitland rose to $42 in December, compared to $39 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 Fruitland?

The car insurance in Fruitland is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Fruitland?

The cheapest car insurance in Fruitland is $108 per month for full coverage.

How much is car insurance in Fruitland for teenagers?

Car insurance for teenagers costs $167 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 Fruitland?

The average cost of car insurance is $996 for a six-month policy. It will cost around $152 per month to insure your car in Fruitland.

Is car insurance expensive in Fruitland?

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

What is the best car insurance in Fruitland, NM?

The best car insurance company in Fruitland NM is USAA, offering $643 for a six-month policy.