Cheapest Car Insurance Quotes in La Plata

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La Plata 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 La Plata

The car insurance rate in La Plata is $896 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in La Plata 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 La Plata

$896

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in La Plata

1st place: USAA

At $636 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $689 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 $689 for six months, making it the third cheapest auto insurance company in La Plata.

La Plata Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Plata, NM is USAA, offering policies at just $636 for a six-month term. This is followed by Encompass, which has an average six-month premium of $689.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $978 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Plata drivers find the best deals.

Cheap Car Insurance Companies in La Plata, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$636	$107
Encompass	$689	$115
State Farm	$689	$116
Nationwide	$770	$130
Progressive	$813	$137
Central Mutual	$866	$144
Farmers	$1000	$168
Central Insurance	$1080	$180
Farm Bureau	$1085	$185
Allstate	$1262	$212
Kemper	$978	$163

Key Takeaways

Way's key takeaways about car insurance in La Plata

The auto insurance costs in La Plata fall around $636 for six months.
The cheapest auto insurance company in La Plata is Central Mutual.
Teen drivers pay the highest rate in La Plata at $639 per month.

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Cheapest Minimum Liability Car Insurance in La Plata

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 La Plata are given below.

Central Mutual provides the cheapest minimum car insurance coverage in La Plata. Their Average 6 Month Premium is $113. Allstate is the most expensive at $476 for the same period.

Cheapest Liability Coverage in La Plata, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$113	$19
USAA	$144	$24
Central Insurance	$176	$30
Iowa Farm Bureau	$182	$31
Farm Bureau	$214	$36
Encompass	$220	$37
Progressive	$220	$37
State Farm	$235	$40
Kemper	$315	$54
Farmers	$342	$58
Nationwide	$353	$60
Allstate	$476	$80

Cheapest Full Coverage Car Insurance in La Plata

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 La Plata is USAA at $107 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Plata, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$636	$107
Encompass	$689	$115
State Farm	$689	$116
Nationwide	$770	$130
Progressive	$813	$137
Central Mutual	$866	$144
Farmers	$1000	$168
Central Insurance	$1080	$180
Farm Bureau	$1085	$185
Allstate	$1262	$212
Kemper	$978	$163

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Average Car Insurance in La Plata 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 La Plata, NM increasing?

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

Car Insurance Premiums by Age in La Plata

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	$527
40s	MetLife	$491
50s	MetLife	$452
60s	MetLife	$429
70s	MetLife	$558

Cheapest Car Insurance Rates for Teen Drivers in La Plata,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the La Plata at $28 per month. At $3795 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$166	$28
Iowa Farm Bureau	$240	$41
Kemper	$246	$41
USAA	$887	$149
State Farm	$1427	$240
Farm Bureau	$1738	$295
Progressive	$2219	$374
Nationwide	$3144	$535
Farmers	$3684	$620
Allstate	$3795	$639

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 La Plata.

As young drivers face the highest rates in La Plata, MetLife offers the cheapest auto insurance rates at $527 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 La Plata, Kemper is the cheapest car insurance provider. At $294 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 La Plata is State Farm, offering rates of around $2518 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$294	$50
USAA	$743	$124
Progressive	$759	$128
Farmers	$1299	$219
Farm Bureau	$1582	$269
Allstate	$1647	$275
State Farm	$2518	$428

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Car Insurance Rates with An Accident in La Plata

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

Cheapest Car Insurance Companies after an At-Fault Accident in La Plata

The cheapest car insurance companies after an at-fault accident in La Plata include Central Mutual and Central Insurance, offering $113 and $240, respectively. Allstate is an expensive provider with an average six-month premium of $1898.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$113	$19
Central Insurance	$240	$41
Encompass	$267	$45
Kemper	$289	$50
Iowa Farm Bureau	$294	$49
USAA	$465	$78
State Farm	$620	$104
Progressive	$679	$114
Farm Bureau	$1481	$247
Farmers	$1738	$293
Nationwide	$1764	$294
Allstate	$1898	$320

La Plata Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Plata NM. For example, the car insurance in La Plata after a DUI increases to $844 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

La Plata auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$904	$150
One Med/PIP claim	$914	$156
Not-at-fault accident	$941	$157
One comp claim	$946	$161
Two Med/PIP claims	$957	$159
Two comp claims	$984	$167
Failure to show documents	$995	$166
Failure to wear a seat belt	$1000	$170
Child safety restraint	$1037	$173
Driving without lights	$1037	$176
In 65 MPH zone	$1069	$178
Cell phone violation	$1075	$183
Texting while driving	$1075	$179
At-fault accident - less than $1000	$1080	$184
Driving with expired registration	$1080	$180
Speeding 11 - 15 MPH over limit	$1091	$185
Speeding 16 - 20 MPH over limit	$1091	$182
Speeding 6 - 10 MPH over limit	$1091	$185
Driving too slowly	$1096	$183
Failure to stop at a red light	$1096	$186
Failure to yield	$1096	$183
Following too closely	$1096	$186
Illegal turn	$1096	$183
Improper passing	$1096	$186
Speeding in school zone	$1096	$183
Wrong way/wrong lane	$1096	$186
Passing school bus	$1112	$185
Operating a vehicle without permission	$1128	$192
Speeding 21 - 25 MPH over limit	$1128	$188
Open container	$1256	$213
At-fault accident - $1000-$2000	$1278	$213
At-fault accident - greater than $2000	$1289	$219
Reckless driving	$1673	$279
Driving with a suspended license	$1679	$285
Refusal to submit to a chemical test	$1700	$284
DUI	$1748	$297
Racing	$1786	$298
Leaving scene of an accident/hit and run	$1796	$305

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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 La Plata 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 La Plata.

The cheapest car insurance premiums in La Plata are offered by Kemper at $289 for a six-month policy. However, it can be as expensive as $1924 with companies like Farm Bureau.

La Plata car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$289	$49
Central Insurance	$353	$60
Progressive	$631	$106
State Farm	$653	$110
USAA	$733	$123
Farmers	$1069	$180
Nationwide	$1155	$193
Allstate	$1545	$260
Farm Bureau	$1924	$320

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 La Plata are offered by Iowa Farm Bureau at $220. However, it can be as expensive as $2893 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in La Plata after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$220	$37
USAA	$433	$72
State Farm	$502	$85
Progressive	$556	$94
Farm Bureau	$1139	$194
Farmers	$2336	$390
Allstate	$2893	$491

Car Insurance Price Trends in La Plata, New Mexico

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

The average cost of full coverage in the La Plata rose by $174 in December compared to $170 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 La Plata rose to $41 in December, compared to $39 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in La Plata?

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

What is the cheapest car insurance in La Plata?

The cheapest car insurance in La Plata is $107 per month for full coverage.

How much is car insurance in La Plata for teenagers?

Car insurance for teenagers costs $166 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 La Plata?

The average cost of car insurance is $996 for a six-month policy. It will cost around $150 per month to insure your car in La Plata.

Is car insurance expensive in La Plata?

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

What is the best car insurance in La Plata, NM?

The best car insurance company in La Plata NM is USAA, offering $636 for a six-month policy.