Cheapest Car Insurance Quotes in Livingston Wheeler

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Livingston Wheeler Car Insurance

^$ 22

/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 Livingston Wheeler

The car insurance rate in Livingston Wheeler is $1056 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $749, making it a popular choice for budget-conscious drivers. Rates in Livingston Wheeler 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 Livingston Wheeler

$1056

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Livingston Wheeler

1st place: USAA

At $749 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $812 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 $812 for six months, making it the third cheapest auto insurance company in Livingston Wheeler.

Livingston Wheeler Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Livingston Wheeler, NM is USAA, offering policies at just $749 for a six-month term. This is followed by Encompass, which has an average six-month premium of $812.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Livingston Wheeler drivers find the best deals.

Cheap Car Insurance Companies in Livingston Wheeler, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$749	$126
Encompass	$812	$136
State Farm	$812	$137
Nationwide	$906	$153
Progressive	$957	$161
Central Mutual	$1020	$170
Farmers	$1178	$198
Central Insurance	$1272	$212
Farm Bureau	$1278	$217
Allstate	$1486	$250
Kemper	$1152	$192

Key Takeaways

Way's key takeaways about car insurance in Livingston Wheeler

The auto insurance costs in Livingston Wheeler fall around $749 for six months.
The cheapest auto insurance company in Livingston Wheeler is Central Mutual.
Teen drivers pay the highest rate in Livingston Wheeler at $753 per month.

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Cheapest Minimum Liability Car Insurance in Livingston Wheeler

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 Livingston Wheeler are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Livingston Wheeler. Their Average 6 Month Premium is $133. Allstate is the most expensive at $561 for the same period.

Cheapest Liability Coverage in Livingston Wheeler, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$133	$22
USAA	$170	$29
Central Insurance	$208	$35
Iowa Farm Bureau	$214	$36
Farm Bureau	$252	$42
Encompass	$259	$43
Progressive	$259	$43
State Farm	$277	$47
Kemper	$371	$64
Farmers	$403	$68
Nationwide	$416	$71
Allstate	$561	$94

Cheapest Full Coverage Car Insurance in Livingston Wheeler

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 Livingston Wheeler is USAA at $126 per month and $749 for six months.

Cheapest Full Coverage Car Insurance Quotes in Livingston Wheeler, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$749	$126
Encompass	$812	$136
State Farm	$812	$137
Nationwide	$906	$153
Progressive	$957	$161
Central Mutual	$1020	$170
Farmers	$1178	$198
Central Insurance	$1272	$212
Farm Bureau	$1278	$217
Allstate	$1486	$250
Kemper	$1152	$192

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Average Car Insurance in Livingston Wheeler 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 Livingston Wheeler, NM increasing?

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

Car Insurance Premiums by Age in Livingston Wheeler

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	$620
40s	MetLife	$579
50s	MetLife	$532
60s	MetLife	$506
70s	MetLife	$657

Cheapest Car Insurance Rates for Teen Drivers in Livingston Wheeler,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Livingston Wheeler at $33 per month. At $4470 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$195	$33
Iowa Farm Bureau	$283	$48
Kemper	$289	$49
USAA	$1045	$176
State Farm	$1681	$283
Farm Bureau	$2047	$348
Progressive	$2613	$440
Nationwide	$3703	$630
Farmers	$4339	$730
Allstate	$4470	$753

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 Livingston Wheeler.

As young drivers face the highest rates in Livingston Wheeler, MetLife offers the cheapest auto insurance rates at $620 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 Livingston Wheeler, Kemper is the cheapest car insurance provider. At $347 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 Livingston Wheeler is State Farm, offering rates of around $2966 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$347	$59
USAA	$876	$146
Progressive	$894	$151
Farmers	$1530	$258
Farm Bureau	$1863	$317
Allstate	$1940	$323
State Farm	$2966	$505

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Car Insurance Rates with An Accident in Livingston Wheeler

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

Cheapest Car Insurance Companies after an At-Fault Accident in Livingston Wheeler

The cheapest car insurance companies after an at-fault accident in Livingston Wheeler include Central Mutual and Central Insurance, offering $133 and $283, respectively. Allstate is an expensive provider with an average six-month premium of $2236.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$133	$22
Central Insurance	$283	$48
Encompass	$315	$53
Kemper	$340	$58
Iowa Farm Bureau	$347	$57
USAA	$548	$92
State Farm	$730	$123
Progressive	$799	$135
Farm Bureau	$1744	$290
Farmers	$2047	$345
Nationwide	$2078	$347
Allstate	$2236	$376

Livingston Wheeler Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Livingston Wheeler NM. For example, the car insurance in Livingston Wheeler after a DUI increases to $995 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Livingston Wheeler auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1064	$177
One Med/PIP claim	$1077	$183
Not-at-fault accident	$1108	$184
One comp claim	$1114	$190
Two Med/PIP claims	$1127	$188
Two comp claims	$1159	$197
Failure to show documents	$1171	$195
Failure to wear a seat belt	$1178	$200
Child safety restraint	$1221	$204
Driving without lights	$1221	$208
In 65 MPH zone	$1259	$210
Cell phone violation	$1266	$215
Texting while driving	$1266	$211
At-fault accident - less than $1000	$1272	$216
Driving with expired registration	$1272	$212
Speeding 11 - 15 MPH over limit	$1285	$218
Speeding 16 - 20 MPH over limit	$1285	$214
Speeding 6 - 10 MPH over limit	$1285	$218
Driving too slowly	$1291	$215
Failure to stop at a red light	$1291	$219
Failure to yield	$1291	$215
Following too closely	$1291	$219
Illegal turn	$1291	$215
Improper passing	$1291	$219
Speeding in school zone	$1291	$215
Wrong way/wrong lane	$1291	$219
Passing school bus	$1310	$218
Operating a vehicle without permission	$1328	$226
Speeding 21 - 25 MPH over limit	$1328	$222
Open container	$1480	$251
At-fault accident - $1000-$2000	$1505	$251
At-fault accident - greater than $2000	$1518	$258
Reckless driving	$1971	$329
Driving with a suspended license	$1977	$336
Refusal to submit to a chemical test	$2002	$334
DUI	$2059	$350
Racing	$2103	$351
Leaving scene of an accident/hit and run	$2116	$359

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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 Livingston Wheeler 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 Livingston Wheeler.

The cheapest car insurance premiums in Livingston Wheeler are offered by Kemper at $340 for a six-month policy. However, it can be as expensive as $2266 with companies like Farm Bureau.

Livingston Wheeler car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$57
Central Insurance	$416	$71
Progressive	$743	$125
State Farm	$769	$129
USAA	$863	$145
Farmers	$1259	$212
Nationwide	$1360	$227
Allstate	$1820	$306
Farm Bureau	$2266	$377

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 Livingston Wheeler are offered by Iowa Farm Bureau at $259. However, it can be as expensive as $3407 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Livingston Wheeler after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$259	$43
USAA	$510	$85
State Farm	$591	$100
Progressive	$655	$110
Farm Bureau	$1341	$228
Farmers	$2752	$459
Allstate	$3407	$579

Car Insurance Price Trends in Livingston Wheeler, New Mexico

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

The average cost of full coverage in the Livingston Wheeler rose by $205 in December compared to $200 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 Livingston Wheeler rose to $49 in December, compared to $46 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 Livingston Wheeler?

The car insurance in Livingston Wheeler is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Livingston Wheeler?

The cheapest car insurance in Livingston Wheeler is $126 per month for full coverage.

How much is car insurance in Livingston Wheeler for teenagers?

Car insurance for teenagers costs $195 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 Livingston Wheeler?

The average cost of car insurance is $996 for a six-month policy. It will cost around $177 per month to insure your car in Livingston Wheeler.

Is car insurance expensive in Livingston Wheeler?

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

What is the best car insurance in Livingston Wheeler, NM?

The best car insurance company in Livingston Wheeler NM is USAA, offering $749 for a six-month policy.