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Cheapest Car Insurance Quotes in Kirtland Air Force Base
Finding the cheapest car insurance quotes in Kirtland Air Force Base 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 Kirtland Air Force Base
The car insurance rate in Kirtland Air Force Base is $1195 for a six-month policy, which is $199 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $848, making it a popular choice for budget-conscious drivers. Rates in Kirtland Air Force Base 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.
Cheapest Car Insurance Companies in Kirtland Air Force Base
1st place: USAA
At $848 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $919 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 $919
for six months, making it
the third cheapest auto insurance company in Kirtland Air Force Base.
Kirtland Air Force Base Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kirtland Air Force Base, NM is USAA, offering policies at just $848 for a six-month term. This is followed by Encompass, which has an average six-month premium of $919.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1304 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kirtland Air Force Base drivers find the best deals.
Cheap Car Insurance Companies in Kirtland Air Force Base, NM
Way's key takeaways about car insurance in Kirtland Air Force Base
The auto insurance costs in Kirtland Air Force Base fall around $848 for six
months.
The cheapest auto insurance company in Kirtland Air Force Base is Central Mutual.
Teen drivers pay the highest rate in Kirtland Air Force Base at $852 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 Kirtland Air Force Base
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 Kirtland Air Force Base are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in Kirtland Air Force Base. Their Average 6 Month Premium is $150.
Allstate is the most
expensive at $635 for the same
period.
Cheapest Liability Coverage in Kirtland Air Force Base, NM
Cheapest Full Coverage Car Insurance in Kirtland Air Force Base
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 Kirtland Air Force Base is USAA
at $143 per month and $848
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kirtland Air Force Base,
NM
Get Your Car Insurance Quote in Kirtland Air Force Base
Instantly!
Average Car Insurance in Kirtland Air Force Base 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 Kirtland Air Force Base, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kirtland Air Force Base, 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, Kirtland Air Force Base's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kirtland Air Force Base
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
$702
40s
MetLife
$655
50s
MetLife
$602
60s
MetLife
$572
70s
MetLife
$744
Cheapest Car Insurance Rates for Teen Drivers in
Kirtland Air Force Base,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the Kirtland Air Force Base at $37
per
month. At $5060 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 Kirtland Air Force Base.
As young drivers face the highest rates in Kirtland Air Force Base, MetLife
offers the cheapest auto insurance rates at $702 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 Kirtland Air Force Base,
Kemper is
the cheapest car insurance provider. At $392 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
Kirtland Air Force Base is State Farm, offering
rates of around $3358 for six
months.
Save up to $971/yr on car insurance rates in Kirtland Air Force Base.
Car Insurance Rates with An Accident in Kirtland Air Force Base
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 Kirtland Air Force Base, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kirtland Air Force Base
The cheapest car insurance companies after an at-fault accident in
Kirtland Air Force Base include Central Mutual
and Central Insurance, offering $150
and $320,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2531.
Kirtland Air Force Base Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Kirtland Air Force Base NM. For example, the car
insurance in Kirtland Air Force Base
after a DUI increases to $1125 for a six
month policy. While the rate increases by $249 for a six-month policy in the case of
a speeding ticket.
Kirtland Air Force Base auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1205
$200
One Med/PIP claim
$1219
$208
Not-at-fault accident
$1254
$209
One comp claim
$1261
$215
Two Med/PIP claims
$1276
$212
Two comp claims
$1312
$223
Failure to show documents
$1326
$221
Failure to wear a seat belt
$1333
$227
Child safety restraint
$1382
$230
Driving without lights
$1382
$235
In 65 MPH zone
$1426
$238
Cell phone violation
$1433
$244
Texting while driving
$1433
$239
At-fault accident - less than $1000
$1440
$245
Driving with expired registration
$1440
$240
Speeding 11 - 15 MPH over limit
$1454
$247
Speeding 16 - 20 MPH over limit
$1454
$242
Speeding 6 - 10 MPH over limit
$1454
$247
Driving too slowly
$1462
$244
Failure to stop at a red light
$1462
$248
Failure to yield
$1462
$244
Following too closely
$1462
$248
Illegal turn
$1462
$244
Improper passing
$1462
$248
Speeding in school zone
$1462
$244
Wrong way/wrong lane
$1462
$248
Passing school bus
$1483
$247
Operating a vehicle without permission
$1504
$256
Speeding 21 - 25 MPH over limit
$1504
$251
Open container
$1675
$284
At-fault accident - $1000-$2000
$1704
$284
At-fault accident - greater than $2000
$1718
$292
Reckless driving
$2231
$372
Driving with a suspended license
$2238
$380
Refusal to submit to a chemical test
$2267
$378
DUI
$2330
$396
Racing
$2381
$397
Leaving scene of an accident/hit and run
$2395
$407
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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 Kirtland Air Force Base 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 Kirtland Air Force Base.
The cheapest car insurance premiums in
Kirtland Air Force Base are
offered by Kemper at $385 for a six-month policy.
However, it can be as
expensive as $2566 with companies
like Farm Bureau.
Kirtland Air Force Base car insurance quotes with a DUI
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 Kirtland Air Force Base are offered by Iowa Farm Bureau
at $293. However,
it can be as expensive as $3857
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Kirtland Air Force Base after Speeding ticket
Car Insurance Price Trends in Kirtland Air Force Base,
New Mexico
Car insurance rates in Kirtland Air Force Base have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kirtland Air Force Base rose by
$232 in December
compared to $227 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 Kirtland Air Force Base rose to $55 in December,
compared to $52 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Kirtland Air Force Base 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
Kirtland Air Force Base. At $N/A for a
six-month policy, insuring
your car at N/A 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 Kirtland Air Force Base?
The car insurance in Kirtland Air Force Base is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Kirtland Air Force Base?
The cheapest car insurance in Kirtland Air Force Base
is $143 per month
for full coverage.
How much is car insurance in Kirtland Air Force Base for teenagers?
Car insurance for teenagers costs $221 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
Kirtland Air Force Base?
The average cost of car insurance is $996 for a six-month
policy. It will cost around $200 per month to insure your
car in Kirtland Air Force Base.
Is car insurance expensive in Kirtland Air Force Base?
Car insurance can be expensive in Kirtland Air Force Base if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kirtland Air Force Base can be
affordable.
What is the best car insurance in Kirtland Air Force Base,
NM?
The best car insurance company in Kirtland Air Force Base
NM is
USAA, offering $848 for a
six-month policy.
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Kirtland Air Force Base Car Insurance
