Cheapest Car Insurance Quotes in Lemitar

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Lemitar Car Insurance

^$ 20

/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 Lemitar

The car insurance rate in Lemitar is $966 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $686, making it a popular choice for budget-conscious drivers. Rates in Lemitar 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 Lemitar

$966

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Lemitar

1st place: USAA

At $686 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $743 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 $743 for six months, making it the third cheapest auto insurance company in Lemitar.

Lemitar Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lemitar, NM is USAA, offering policies at just $686 for a six-month term. This is followed by Encompass, which has an average six-month premium of $743.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1054 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lemitar drivers find the best deals.

Cheap Car Insurance Companies in Lemitar, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$686	$115
Encompass	$743	$124
State Farm	$743	$125
Nationwide	$829	$140
Progressive	$876	$147
Central Mutual	$933	$155
Farmers	$1078	$181
Central Insurance	$1164	$194
Farm Bureau	$1170	$199
Allstate	$1360	$229
Kemper	$1054	$176

Key Takeaways

Way's key takeaways about car insurance in Lemitar

The auto insurance costs in Lemitar fall around $686 for six months.
The cheapest auto insurance company in Lemitar is Central Mutual.
Teen drivers pay the highest rate in Lemitar at $689 per month.

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Cheapest Minimum Liability Car Insurance in Lemitar

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 Lemitar are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Lemitar. Their Average 6 Month Premium is $121. Allstate is the most expensive at $513 for the same period.

Cheapest Liability Coverage in Lemitar, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$121	$20
USAA	$155	$26
Central Insurance	$190	$32
Iowa Farm Bureau	$196	$33
Farm Bureau	$231	$39
Encompass	$237	$40
Progressive	$237	$40
State Farm	$253	$43
Kemper	$340	$58
Farmers	$369	$62
Nationwide	$380	$65
Allstate	$513	$86

Cheapest Full Coverage Car Insurance in Lemitar

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 Lemitar is USAA at $115 per month and $686 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lemitar, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$686	$115
Encompass	$743	$124
State Farm	$743	$125
Nationwide	$829	$140
Progressive	$876	$147
Central Mutual	$933	$155
Farmers	$1078	$181
Central Insurance	$1164	$194
Farm Bureau	$1170	$199
Allstate	$1360	$229
Kemper	$1054	$176

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Average Car Insurance in Lemitar 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 Lemitar, NM increasing?

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

Car Insurance Premiums by Age in Lemitar

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	$567
40s	MetLife	$530
50s	MetLife	$487
60s	MetLife	$463
70s	MetLife	$601

Cheapest Car Insurance Rates for Teen Drivers in Lemitar,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Lemitar at $30 per month. At $4090 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$178	$30
Iowa Farm Bureau	$259	$44
Kemper	$265	$45
USAA	$956	$161
State Farm	$1538	$259
Farm Bureau	$1873	$318
Progressive	$2391	$403
Nationwide	$3388	$576
Farmers	$3970	$668
Allstate	$4090	$689

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 Lemitar.

As young drivers face the highest rates in Lemitar, MetLife offers the cheapest auto insurance rates at $567 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 Lemitar, Kemper is the cheapest car insurance provider. At $317 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 Lemitar is State Farm, offering rates of around $2714 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$317	$54
USAA	$801	$134
Progressive	$818	$138
Farmers	$1400	$236
Farm Bureau	$1705	$290
Allstate	$1775	$296
State Farm	$2714	$462

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Car Insurance Rates with An Accident in Lemitar

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

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

The cheapest car insurance companies after an at-fault accident in Lemitar include Central Mutual and Central Insurance, offering $121 and $259, respectively. Allstate is an expensive provider with an average six-month premium of $2046.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$121	$20
Central Insurance	$259	$44
Encompass	$288	$49
Kemper	$311	$53
Iowa Farm Bureau	$317	$52
USAA	$501	$84
State Farm	$668	$113
Progressive	$731	$123
Farm Bureau	$1596	$266
Farmers	$1873	$315
Nationwide	$1901	$317
Allstate	$2046	$344

Lemitar Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lemitar NM. For example, the car insurance in Lemitar after a DUI increases to $910 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Lemitar auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$974	$162
One Med/PIP claim	$986	$168
Not-at-fault accident	$1014	$169
One comp claim	$1019	$174
Two Med/PIP claims	$1031	$172
Two comp claims	$1060	$180
Failure to show documents	$1072	$178
Failure to wear a seat belt	$1078	$183
Child safety restraint	$1117	$186
Driving without lights	$1117	$190
In 65 MPH zone	$1152	$192
Cell phone violation	$1158	$197
Texting while driving	$1158	$193
At-fault accident - less than $1000	$1164	$198
Driving with expired registration	$1164	$194
Speeding 11 - 15 MPH over limit	$1176	$200
Speeding 16 - 20 MPH over limit	$1176	$196
Speeding 6 - 10 MPH over limit	$1176	$200
Driving too slowly	$1181	$197
Failure to stop at a red light	$1181	$201
Failure to yield	$1181	$197
Following too closely	$1181	$201
Illegal turn	$1181	$197
Improper passing	$1181	$201
Speeding in school zone	$1181	$197
Wrong way/wrong lane	$1181	$201
Passing school bus	$1199	$200
Operating a vehicle without permission	$1215	$207
Speeding 21 - 25 MPH over limit	$1215	$203
Open container	$1354	$230
At-fault accident - $1000-$2000	$1377	$230
At-fault accident - greater than $2000	$1389	$236
Reckless driving	$1803	$301
Driving with a suspended license	$1809	$307
Refusal to submit to a chemical test	$1832	$306
DUI	$1884	$320
Racing	$1924	$321
Leaving scene of an accident/hit and run	$1936	$329

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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 Lemitar 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 Lemitar.

The cheapest car insurance premiums in Lemitar are offered by Kemper at $311 for a six-month policy. However, it can be as expensive as $2074 with companies like Farm Bureau.

Lemitar car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$311	$52
Central Insurance	$380	$65
Progressive	$680	$114
State Farm	$703	$118
USAA	$790	$133
Farmers	$1152	$194
Nationwide	$1245	$208
Allstate	$1665	$280
Farm Bureau	$2074	$345

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 Lemitar are offered by Iowa Farm Bureau at $237. However, it can be as expensive as $3118 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lemitar after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$237	$40
USAA	$467	$78
State Farm	$541	$91
Progressive	$599	$101
Farm Bureau	$1227	$209
Farmers	$2518	$420
Allstate	$3118	$530

Car Insurance Price Trends in Lemitar, New Mexico

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

The average cost of full coverage in the Lemitar rose by $187 in December compared to $183 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 Lemitar rose to $45 in December, compared to $42 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 Lemitar?

The car insurance in Lemitar is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Lemitar?

The cheapest car insurance in Lemitar is $115 per month for full coverage.

How much is car insurance in Lemitar for teenagers?

Car insurance for teenagers costs $178 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 Lemitar?

The average cost of car insurance is $996 for a six-month policy. It will cost around $162 per month to insure your car in Lemitar.

Is car insurance expensive in Lemitar?

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

What is the best car insurance in Lemitar, NM?

The best car insurance company in Lemitar NM is USAA, offering $686 for a six-month policy.