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Gila Car Insurance
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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.
The car insurance rate in Gila is $886 for a six-month policy, which is $110 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $629, making it a popular choice for budget-conscious drivers. Rates in Gila 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 $629 for a six month policy, USAA offers the cheapest auto insurance rates in the city.
Encompass offers auto insurance rates at $682 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $682 for six months, making it the third cheapest auto insurance company in Gila.
Based on our research, the cheapest car insurance company in Gila, NM is USAA, offering policies at just $629 for a six-month term. This is followed by Encompass, which has an average six-month premium of $682.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $967 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gila drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $629 | $106 |
| Encompass | $682 | $114 |
| State Farm | $682 | $115 |
| Nationwide | $761 | $128 |
| Progressive | $804 | $135 |
| Central Mutual | $856 | $142 |
| Farmers | $989 | $166 |
| Central Insurance | $1068 | $178 |
| Farm Bureau | $1073 | $182 |
| Allstate | $1248 | $210 |
| Kemper | $967 | $161 |
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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 Gila are given below.
Central Mutual provides the cheapest minimum car insurance coverage in Gila. Their Average 6 Month Premium is $111. Allstate is the most expensive at $471 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Central Mutual | $111 | $19 |
| USAA | $142 | $24 |
| Central Insurance | $174 | $29 |
| Iowa Farm Bureau | $180 | $30 |
| Farm Bureau | $212 | $36 |
| Encompass | $217 | $36 |
| Progressive | $217 | $36 |
| State Farm | $232 | $39 |
| Kemper | $312 | $53 |
| Farmers | $338 | $57 |
| Nationwide | $349 | $60 |
| Allstate | $471 | $79 |
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 Gila is USAA at $106 per month and $629 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $629 | $106 |
| Encompass | $682 | $114 |
| State Farm | $682 | $115 |
| Nationwide | $761 | $128 |
| Progressive | $804 | $135 |
| Central Mutual | $856 | $142 |
| Farmers | $989 | $166 |
| Central Insurance | $1068 | $178 |
| Farm Bureau | $1073 | $182 |
| Allstate | $1248 | $210 |
| Kemper | $967 | $161 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Gila, 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, Gila's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 30s | MetLife | $521 |
| 40s | MetLife | $486 |
| 50s | MetLife | $447 |
| 60s | MetLife | $425 |
| 70s | MetLife | $552 |
If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Gila at $28 per month. At $3753 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Central Insurance | $164 | $28 |
| Iowa Farm Bureau | $238 | $40 |
| Kemper | $243 | $41 |
| USAA | $878 | $148 |
| State Farm | $1412 | $238 |
| Farm Bureau | $1719 | $292 |
| Progressive | $2194 | $369 |
| Nationwide | $3109 | $529 |
| Farmers | $3643 | $613 |
| Allstate | $3753 | $632 |
Teen Car Insurance Rates in NM by Age
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.
For those with poor credit scores in Gila, Kemper is the cheapest car insurance provider. At $291 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 Gila is State Farm, offering rates of around $2490 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $291 | $50 |
| USAA | $735 | $123 |
| Progressive | $750 | $126 |
| Farmers | $1284 | $216 |
| Farm Bureau | $1565 | $266 |
| Allstate | $1629 | $271 |
| State Farm | $2490 | $424 |
Save up to $971/yr on car insurance rates in Gila.
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 Gila, NM, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Gila include Central Mutual and Central Insurance, offering $111 and $238, respectively. Allstate is an expensive provider with an average six-month premium of $1877.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Central Mutual | $111 | $19 |
| Central Insurance | $238 | $40 |
| Encompass | $264 | $45 |
| Kemper | $286 | $49 |
| Iowa Farm Bureau | $291 | $48 |
| USAA | $460 | $77 |
| State Farm | $613 | $103 |
| Progressive | $671 | $113 |
| Farm Bureau | $1464 | $244 |
| Farmers | $1719 | $289 |
| Nationwide | $1744 | $291 |
| Allstate | $1877 | $316 |
Here is a list of driving violations that can increase your car insurance rates in Gila NM. For example, the car insurance in Gila after a DUI increases to $834 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $894 | $149 |
| One Med/PIP claim | $904 | $154 |
| Not-at-fault accident | $930 | $155 |
| One comp claim | $935 | $159 |
| Two Med/PIP claims | $946 | $158 |
| Two comp claims | $973 | $166 |
| Failure to show documents | $983 | $164 |
| Failure to wear a seat belt | $989 | $168 |
| Child safety restraint | $1025 | $171 |
| Driving without lights | $1025 | $174 |
| In 65 MPH zone | $1057 | $176 |
| Cell phone violation | $1063 | $181 |
| Texting while driving | $1063 | $177 |
| At-fault accident - less than $1000 | $1068 | $182 |
| Driving with expired registration | $1068 | $178 |
| Speeding 11 - 15 MPH over limit | $1079 | $183 |
| Speeding 16 - 20 MPH over limit | $1079 | $180 |
| Speeding 6 - 10 MPH over limit | $1079 | $183 |
| Driving too slowly | $1084 | $181 |
| Failure to stop at a red light | $1084 | $184 |
| Failure to yield | $1084 | $181 |
| Following too closely | $1084 | $184 |
| Illegal turn | $1084 | $181 |
| Improper passing | $1084 | $184 |
| Speeding in school zone | $1084 | $181 |
| Wrong way/wrong lane | $1084 | $184 |
| Passing school bus | $1100 | $183 |
| Operating a vehicle without permission | $1115 | $190 |
| Speeding 21 - 25 MPH over limit | $1115 | $186 |
| Open container | $1242 | $211 |
| At-fault accident - $1000-$2000 | $1264 | $211 |
| At-fault accident - greater than $2000 | $1274 | $216 |
| Reckless driving | $1655 | $276 |
| Driving with a suspended license | $1660 | $282 |
| Refusal to submit to a chemical test | $1681 | $280 |
| DUI | $1728 | $294 |
| Racing | $1766 | $295 |
| Leaving scene of an accident/hit and run | $1776 | $302 |
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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.
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 Gila.
The cheapest car insurance premiums in Gila are offered by Kemper at $286 for a six-month policy. However, it can be as expensive as $1903 with companies like Farm Bureau.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $286 | $48 |
| Central Insurance | $349 | $60 |
| Progressive | $624 | $105 |
| State Farm | $645 | $109 |
| USAA | $724 | $122 |
| Farmers | $1057 | $178 |
| Nationwide | $1142 | $190 |
| Allstate | $1528 | $257 |
| Farm Bureau | $1903 | $317 |
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 Gila are offered by Iowa Farm Bureau at $217. However, it can be as expensive as $2860 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Iowa Farm Bureau | $217 | $36 |
| USAA | $428 | $71 |
| State Farm | $497 | $84 |
| Progressive | $550 | $93 |
| Farm Bureau | $1126 | $191 |
| Farmers | $2310 | $385 |
| Allstate | $2860 | $486 |
Car insurance rates in Gila have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gila rose by $172 in December compared to $168 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 Gila rose to $41 in December, compared to $38 in November. This represents an increase of $3 when comparing December and November.
How much is car insurance in Gila?
The car insurance in Gila is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Gila?
The cheapest car insurance in Gila is $106 per month for full coverage.
How much is car insurance in Gila for teenagers?
Car insurance for teenagers costs $164 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 Gila?
The average cost of car insurance is $996 for a six-month policy. It will cost around $149 per month to insure your car in Gila.
Is car insurance expensive in Gila?
Car insurance can be expensive in Gila if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Gila can be affordable.
What is the best car insurance in Gila, NM?
The best car insurance company in Gila NM is USAA, offering $629 for a six-month policy.
Cut auto insurance costs in Gila right now.