Cheapest Car Insurance Quotes in Hillsboro

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Hillsboro Car Insurance

^$ 18

/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 Hillsboro

The car insurance rate in Hillsboro is $867 for a six-month policy, which is $129 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $615, making it a popular choice for budget-conscious drivers. Rates in Hillsboro 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 Hillsboro

$867

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Hillsboro

1st place: USAA

At $615 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $666 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 $666 for six months, making it the third cheapest auto insurance company in Hillsboro.

Hillsboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillsboro, NM is USAA, offering policies at just $615 for a six-month term. This is followed by Encompass, which has an average six-month premium of $666.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $946 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillsboro drivers find the best deals.

Cheap Car Insurance Companies in Hillsboro, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$615	$104
Encompass	$666	$111
State Farm	$666	$112
Nationwide	$744	$125
Progressive	$786	$132
Central Mutual	$837	$139
Farmers	$967	$163
Central Insurance	$1044	$174
Farm Bureau	$1049	$178
Allstate	$1220	$205
Kemper	$946	$157

Key Takeaways

Way's key takeaways about car insurance in Hillsboro

The auto insurance costs in Hillsboro fall around $615 for six months.
The cheapest auto insurance company in Hillsboro is Central Mutual.
Teen drivers pay the highest rate in Hillsboro at $618 per month.

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Cheapest Minimum Liability Car Insurance in Hillsboro

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 Hillsboro are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Hillsboro. Their Average 6 Month Premium is $109. Allstate is the most expensive at $460 for the same period.

Cheapest Liability Coverage in Hillsboro, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$109	$18
USAA	$139	$23
Central Insurance	$171	$29
Iowa Farm Bureau	$176	$30
Farm Bureau	$207	$35
Encompass	$212	$36
Progressive	$212	$36
State Farm	$227	$38
Kemper	$305	$52
Farmers	$331	$56
Nationwide	$341	$58
Allstate	$460	$77

Cheapest Full Coverage Car Insurance in Hillsboro

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 Hillsboro is USAA at $104 per month and $615 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillsboro, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$615	$104
Encompass	$666	$111
State Farm	$666	$112
Nationwide	$744	$125
Progressive	$786	$132
Central Mutual	$837	$139
Farmers	$967	$163
Central Insurance	$1044	$174
Farm Bureau	$1049	$178
Allstate	$1220	$205
Kemper	$946	$157

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Average Car Insurance in Hillsboro 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 Hillsboro, NM increasing?

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

Car Insurance Premiums by Age in Hillsboro

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	$509
40s	MetLife	$475
50s	MetLife	$437
60s	MetLife	$415
70s	MetLife	$539

Cheapest Car Insurance Rates for Teen Drivers in Hillsboro,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Hillsboro at $27 per month. At $3669 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$160	$27
Iowa Farm Bureau	$232	$39
Kemper	$238	$40
USAA	$858	$144
State Farm	$1380	$232
Farm Bureau	$1680	$285
Progressive	$2145	$361
Nationwide	$3039	$517
Farmers	$3561	$599
Allstate	$3669	$618

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 Hillsboro.

As young drivers face the highest rates in Hillsboro, MetLife offers the cheapest auto insurance rates at $509 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 Hillsboro, Kemper is the cheapest car insurance provider. At $284 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 Hillsboro is State Farm, offering rates of around $2434 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$284	$49
USAA	$719	$120
Progressive	$733	$124
Farmers	$1255	$211
Farm Bureau	$1529	$260
Allstate	$1592	$265
State Farm	$2434	$414

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Car Insurance Rates with An Accident in Hillsboro

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

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

The cheapest car insurance companies after an at-fault accident in Hillsboro include Central Mutual and Central Insurance, offering $109 and $232, respectively. Allstate is an expensive provider with an average six-month premium of $1835.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$109	$18
Central Insurance	$232	$39
Encompass	$258	$44
Kemper	$279	$48
Iowa Farm Bureau	$284	$47
USAA	$450	$76
State Farm	$599	$101
Progressive	$656	$110
Farm Bureau	$1431	$238
Farmers	$1680	$283
Nationwide	$1705	$284
Allstate	$1835	$309

Hillsboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillsboro NM. For example, the car insurance in Hillsboro after a DUI increases to $817 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Hillsboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$873	$145
One Med/PIP claim	$884	$151
Not-at-fault accident	$909	$151
One comp claim	$914	$156
Two Med/PIP claims	$925	$154
Two comp claims	$951	$162
Failure to show documents	$961	$160
Failure to wear a seat belt	$967	$164
Child safety restraint	$1002	$167
Driving without lights	$1002	$171
In 65 MPH zone	$1034	$172
Cell phone violation	$1039	$177
Texting while driving	$1039	$173
At-fault accident - less than $1000	$1044	$177
Driving with expired registration	$1044	$174
Speeding 11 - 15 MPH over limit	$1054	$179
Speeding 16 - 20 MPH over limit	$1054	$176
Speeding 6 - 10 MPH over limit	$1054	$179
Driving too slowly	$1060	$177
Failure to stop at a red light	$1060	$180
Failure to yield	$1060	$177
Following too closely	$1060	$180
Illegal turn	$1060	$177
Improper passing	$1060	$180
Speeding in school zone	$1060	$177
Wrong way/wrong lane	$1060	$180
Passing school bus	$1075	$179
Operating a vehicle without permission	$1090	$185
Speeding 21 - 25 MPH over limit	$1090	$182
Open container	$1215	$206
At-fault accident - $1000-$2000	$1235	$206
At-fault accident - greater than $2000	$1246	$211
Reckless driving	$1617	$270
Driving with a suspended license	$1623	$276
Refusal to submit to a chemical test	$1643	$274
DUI	$1690	$287
Racing	$1726	$288
Leaving scene of an accident/hit and run	$1737	$295

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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 Hillsboro 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 Hillsboro.

The cheapest car insurance premiums in Hillsboro are offered by Kemper at $279 for a six-month policy. However, it can be as expensive as $1860 with companies like Farm Bureau.

Hillsboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$279	$47
Central Insurance	$341	$58
Progressive	$610	$103
State Farm	$631	$106
USAA	$708	$119
Farmers	$1034	$174
Nationwide	$1116	$186
Allstate	$1494	$251
Farm Bureau	$1860	$310

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 Hillsboro are offered by Iowa Farm Bureau at $212. However, it can be as expensive as $2796 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hillsboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$212	$36
USAA	$418	$70
State Farm	$485	$82
Progressive	$538	$90
Farm Bureau	$1101	$187
Farmers	$2259	$377
Allstate	$2796	$475

Car Insurance Price Trends in Hillsboro, New Mexico

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

The average cost of full coverage in the Hillsboro rose by $168 in December compared to $164 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 Hillsboro rose to $40 in December, compared to $37 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 Hillsboro?

The car insurance in Hillsboro is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Hillsboro?

The cheapest car insurance in Hillsboro is $104 per month for full coverage.

How much is car insurance in Hillsboro for teenagers?

Car insurance for teenagers costs $160 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 Hillsboro?

The average cost of car insurance is $996 for a six-month policy. It will cost around $145 per month to insure your car in Hillsboro.

Is car insurance expensive in Hillsboro?

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

What is the best car insurance in Hillsboro, NM?

The best car insurance company in Hillsboro NM is USAA, offering $615 for a six-month policy.