Cheapest Car Insurance Quotes in Isleta

Finding the cheapest car insurance quotes in Isleta 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Isleta Car Insurance

^$ 24

/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 Isleta

The car insurance rate in Isleta is $1145 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $813, making it a popular choice for budget-conscious drivers. Rates in Isleta 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 Isleta

$1145

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Isleta

1st place: USAA

At $813 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $881 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 $881 for six months, making it the third cheapest auto insurance company in Isleta.

Isleta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Isleta, NM is USAA, offering policies at just $813 for a six-month term. This is followed by Encompass, which has an average six-month premium of $881.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Isleta drivers find the best deals.

Cheap Car Insurance Companies in Isleta, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$813	$137
Encompass	$881	$147
State Farm	$881	$148
Nationwide	$983	$166
Progressive	$1038	$175
Central Mutual	$1106	$184
Farmers	$1278	$215
Central Insurance	$1380	$230
Farm Bureau	$1387	$236
Allstate	$1612	$271
Kemper	$1250	$208

Key Takeaways

Way's key takeaways about car insurance in Isleta

The auto insurance costs in Isleta fall around $813 for six months.
The cheapest auto insurance company in Isleta is Central Mutual.
Teen drivers pay the highest rate in Isleta at $816 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 Isleta

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 Isleta are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Isleta. Their Average 6 Month Premium is $144. Allstate is the most expensive at $608 for the same period.

Cheapest Liability Coverage in Isleta, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$144	$24
USAA	$184	$31
Central Insurance	$225	$38
Iowa Farm Bureau	$232	$39
Farm Bureau	$274	$46
Encompass	$281	$47
Progressive	$281	$47
State Farm	$300	$51
Kemper	$402	$69
Farmers	$437	$74
Nationwide	$451	$77
Allstate	$608	$102

Cheapest Full Coverage Car Insurance in Isleta

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 Isleta is USAA at $137 per month and $813 for six months.

Cheapest Full Coverage Car Insurance Quotes in Isleta, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$813	$137
Encompass	$881	$147
State Farm	$881	$148
Nationwide	$983	$166
Progressive	$1038	$175
Central Mutual	$1106	$184
Farmers	$1278	$215
Central Insurance	$1380	$230
Farm Bureau	$1387	$236
Allstate	$1612	$271
Kemper	$1250	$208

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Isleta Instantly!

Average Car Insurance in Isleta 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 Isleta, NM increasing?

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

Car Insurance Premiums by Age in Isleta

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	$673
40s	MetLife	$628
50s	MetLife	$577
60s	MetLife	$549
70s	MetLife	$713

Cheapest Car Insurance Rates for Teen Drivers in Isleta,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Isleta at $36 per month. At $4850 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$212	$36
Iowa Farm Bureau	$307	$52
Kemper	$314	$53
USAA	$1134	$191
State Farm	$1824	$307
Farm Bureau	$2221	$377
Progressive	$2835	$477
Nationwide	$4017	$683
Farmers	$4707	$792
Allstate	$4850	$816

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 Isleta.

As young drivers face the highest rates in Isleta, MetLife offers the cheapest auto insurance rates at $673 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 Isleta, Kemper is the cheapest car insurance provider. At $376 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 Isleta is State Farm, offering rates of around $3218 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$64
USAA	$950	$159
Progressive	$969	$163
Farmers	$1659	$279
Farm Bureau	$2022	$344
Allstate	$2105	$351
State Farm	$3218	$547

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Isleta.

Car Insurance Rates with An Accident in Isleta

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

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

The cheapest car insurance companies after an at-fault accident in Isleta include Central Mutual and Central Insurance, offering $144 and $307, respectively. Allstate is an expensive provider with an average six-month premium of $2425.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$144	$24
Central Insurance	$307	$52
Encompass	$342	$57
Kemper	$369	$63
Iowa Farm Bureau	$376	$62
USAA	$595	$100
State Farm	$792	$133
Progressive	$867	$146
Farm Bureau	$1892	$315
Farmers	$2221	$374
Nationwide	$2254	$376
Allstate	$2425	$408

Isleta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Isleta NM. For example, the car insurance in Isleta after a DUI increases to $1078 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Isleta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1155	$192
One Med/PIP claim	$1168	$199
Not-at-fault accident	$1202	$200
One comp claim	$1209	$206
Two Med/PIP claims	$1222	$204
Two comp claims	$1257	$214
Failure to show documents	$1271	$212
Failure to wear a seat belt	$1278	$217
Child safety restraint	$1325	$221
Driving without lights	$1325	$225
In 65 MPH zone	$1366	$228
Cell phone violation	$1373	$233
Texting while driving	$1373	$229
At-fault accident - less than $1000	$1380	$235
Driving with expired registration	$1380	$230
Speeding 11 - 15 MPH over limit	$1394	$237
Speeding 16 - 20 MPH over limit	$1394	$232
Speeding 6 - 10 MPH over limit	$1394	$237
Driving too slowly	$1401	$233
Failure to stop at a red light	$1401	$238
Failure to yield	$1401	$233
Following too closely	$1401	$238
Illegal turn	$1401	$233
Improper passing	$1401	$238
Speeding in school zone	$1401	$233
Wrong way/wrong lane	$1401	$238
Passing school bus	$1421	$237
Operating a vehicle without permission	$1441	$245
Speeding 21 - 25 MPH over limit	$1441	$240
Open container	$1605	$273
At-fault accident - $1000-$2000	$1633	$273
At-fault accident - greater than $2000	$1647	$279
Reckless driving	$2138	$357
Driving with a suspended license	$2145	$365
Refusal to submit to a chemical test	$2172	$362
DUI	$2233	$379
Racing	$2282	$381
Leaving scene of an accident/hit and run	$2295	$390

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Isleta 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 Isleta.

The cheapest car insurance premiums in Isleta are offered by Kemper at $369 for a six-month policy. However, it can be as expensive as $2459 with companies like Farm Bureau.

Isleta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$62
Central Insurance	$451	$77
Progressive	$806	$136
State Farm	$834	$140
USAA	$936	$158
Farmers	$1366	$230
Nationwide	$1475	$246
Allstate	$1975	$332
Farm Bureau	$2459	$409

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 Isleta are offered by Iowa Farm Bureau at $281. However, it can be as expensive as $3696 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Isleta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$281	$47
USAA	$553	$92
State Farm	$642	$108
Progressive	$711	$120
Farm Bureau	$1455	$247
Farmers	$2985	$498
Allstate	$3696	$628

Car Insurance Price Trends in Isleta, New Mexico

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

The average cost of full coverage in the Isleta rose by $222 in December compared to $217 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 Isleta rose to $53 in December, compared to $49 in November. This represents an increase of $4 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Isleta?

The car insurance in Isleta is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Isleta?

The cheapest car insurance in Isleta is $137 per month for full coverage.

How much is car insurance in Isleta for teenagers?

Car insurance for teenagers costs $212 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 Isleta?

The average cost of car insurance is $996 for a six-month policy. It will cost around $192 per month to insure your car in Isleta.

Is car insurance expensive in Isleta?

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

What is the best car insurance in Isleta, NM?

The best car insurance company in Isleta NM is USAA, offering $813 for a six-month policy.