Cheapest Car Insurance Quotes in Las Maravillas

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Las Maravillas 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 Las Maravillas

The car insurance rate in Las Maravillas is $1116 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $792, making it a popular choice for budget-conscious drivers. Rates in Las Maravillas 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 Las Maravillas

$1116

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Las Maravillas

1st place: USAA

At $792 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $858 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 $858 for six months, making it the third cheapest auto insurance company in Las Maravillas.

Las Maravillas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Las Maravillas, NM is USAA, offering policies at just $792 for a six-month term. This is followed by Encompass, which has an average six-month premium of $858.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1217 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Las Maravillas drivers find the best deals.

Cheap Car Insurance Companies in Las Maravillas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$792	$133
Encompass	$858	$143
State Farm	$858	$144
Nationwide	$958	$161
Progressive	$1011	$170
Central Mutual	$1077	$179
Farmers	$1244	$209
Central Insurance	$1344	$224
Farm Bureau	$1351	$230
Allstate	$1570	$264
Kemper	$1217	$203

Key Takeaways

Way's key takeaways about car insurance in Las Maravillas

The auto insurance costs in Las Maravillas fall around $792 for six months.
The cheapest auto insurance company in Las Maravillas is Central Mutual.
Teen drivers pay the highest rate in Las Maravillas at $795 per month.

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Cheapest Minimum Liability Car Insurance in Las Maravillas

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 Las Maravillas are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Las Maravillas. Their Average 6 Month Premium is $140. Allstate is the most expensive at $592 for the same period.

Cheapest Liability Coverage in Las Maravillas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$140	$24
USAA	$179	$30
Central Insurance	$220	$37
Iowa Farm Bureau	$226	$38
Farm Bureau	$267	$45
Encompass	$273	$46
Progressive	$273	$46
State Farm	$292	$49
Kemper	$392	$67
Farmers	$426	$72
Nationwide	$439	$75
Allstate	$592	$100

Cheapest Full Coverage Car Insurance in Las Maravillas

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 Las Maravillas is USAA at $133 per month and $792 for six months.

Cheapest Full Coverage Car Insurance Quotes in Las Maravillas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$792	$133
Encompass	$858	$143
State Farm	$858	$144
Nationwide	$958	$161
Progressive	$1011	$170
Central Mutual	$1077	$179
Farmers	$1244	$209
Central Insurance	$1344	$224
Farm Bureau	$1351	$230
Allstate	$1570	$264
Kemper	$1217	$203

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Average Car Insurance in Las Maravillas 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 Las Maravillas, NM increasing?

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

Car Insurance Premiums by Age in Las Maravillas

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	$655
40s	MetLife	$612
50s	MetLife	$562
60s	MetLife	$534
70s	MetLife	$694

Cheapest Car Insurance Rates for Teen Drivers in Las Maravillas,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Las Maravillas at $35 per month. At $4723 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$206	$35
Iowa Farm Bureau	$299	$50
Kemper	$306	$52
USAA	$1104	$186
State Farm	$1776	$299
Farm Bureau	$2163	$367
Progressive	$2761	$465
Nationwide	$3912	$665
Farmers	$4584	$772
Allstate	$4723	$795

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 Las Maravillas.

As young drivers face the highest rates in Las Maravillas, MetLife offers the cheapest auto insurance rates at $655 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 Las Maravillas, Kemper is the cheapest car insurance provider. At $366 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 Las Maravillas is State Farm, offering rates of around $3134 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$63
USAA	$925	$155
Progressive	$944	$159
Farmers	$1616	$272
Farm Bureau	$1969	$335
Allstate	$2050	$342
State Farm	$3134	$533

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Car Insurance Rates with An Accident in Las Maravillas

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

Cheapest Car Insurance Companies after an At-Fault Accident in Las Maravillas

The cheapest car insurance companies after an at-fault accident in Las Maravillas include Central Mutual and Central Insurance, offering $140 and $299, respectively. Allstate is an expensive provider with an average six-month premium of $2362.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$140	$24
Central Insurance	$299	$50
Encompass	$333	$56
Kemper	$360	$62
Iowa Farm Bureau	$366	$60
USAA	$579	$97
State Farm	$772	$130
Progressive	$844	$142
Farm Bureau	$1842	$307
Farmers	$2163	$364
Nationwide	$2195	$366
Allstate	$2362	$398

Las Maravillas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Las Maravillas NM. For example, the car insurance in Las Maravillas after a DUI increases to $1051 for a six month policy. While the rate increases by $233 for a six-month policy in the case of a speeding ticket.

Las Maravillas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1124	$187
One Med/PIP claim	$1138	$194
Not-at-fault accident	$1170	$195
One comp claim	$1177	$200
Two Med/PIP claims	$1191	$198
Two comp claims	$1224	$208
Failure to show documents	$1238	$206
Failure to wear a seat belt	$1244	$212
Child safety restraint	$1290	$215
Driving without lights	$1290	$220
In 65 MPH zone	$1331	$222
Cell phone violation	$1337	$227
Texting while driving	$1337	$223
At-fault accident - less than $1000	$1344	$228
Driving with expired registration	$1344	$224
Speeding 11 - 15 MPH over limit	$1357	$231
Speeding 16 - 20 MPH over limit	$1357	$226
Speeding 6 - 10 MPH over limit	$1357	$231
Driving too slowly	$1364	$227
Failure to stop at a red light	$1364	$232
Failure to yield	$1364	$227
Following too closely	$1364	$232
Illegal turn	$1364	$227
Improper passing	$1364	$232
Speeding in school zone	$1364	$227
Wrong way/wrong lane	$1364	$232
Passing school bus	$1384	$231
Operating a vehicle without permission	$1403	$239
Speeding 21 - 25 MPH over limit	$1403	$234
Open container	$1564	$265
At-fault accident - $1000-$2000	$1590	$265
At-fault accident - greater than $2000	$1604	$272
Reckless driving	$2082	$347
Driving with a suspended license	$2089	$355
Refusal to submit to a chemical test	$2116	$353
DUI	$2175	$370
Racing	$2222	$371
Leaving scene of an accident/hit and run	$2236	$380

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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 Las Maravillas 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 Las Maravillas.

The cheapest car insurance premiums in Las Maravillas are offered by Kemper at $360 for a six-month policy. However, it can be as expensive as $2395 with companies like Farm Bureau.

Las Maravillas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$360	$60
Central Insurance	$439	$75
Progressive	$785	$132
State Farm	$812	$137
USAA	$912	$153
Farmers	$1331	$224
Nationwide	$1437	$240
Allstate	$1923	$324
Farm Bureau	$2395	$399

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 Las Maravillas are offered by Iowa Farm Bureau at $273. However, it can be as expensive as $3600 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Las Maravillas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$273	$46
USAA	$539	$90
State Farm	$625	$105
Progressive	$692	$116
Farm Bureau	$1417	$241
Farmers	$2908	$485
Allstate	$3600	$612

Car Insurance Price Trends in Las Maravillas, New Mexico

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

The average cost of full coverage in the Las Maravillas rose by $216 in December compared to $212 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 Las Maravillas rose to $52 in December, compared to $48 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Las Maravillas?

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

What is the cheapest car insurance in Las Maravillas?

The cheapest car insurance in Las Maravillas is $133 per month for full coverage.

How much is car insurance in Las Maravillas for teenagers?

Car insurance for teenagers costs $206 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 Las Maravillas?

The average cost of car insurance is $996 for a six-month policy. It will cost around $187 per month to insure your car in Las Maravillas.

Is car insurance expensive in Las Maravillas?

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

What is the best car insurance in Las Maravillas, NM?

The best car insurance company in Las Maravillas NM is USAA, offering $792 for a six-month policy.