Cheapest Car Insurance Quotes in Los Lunas

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Los Lunas Car Insurance

^$ 23

/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 Los Lunas

The car insurance rate in Los Lunas is $1106 for a six-month policy, which is $110 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $785, making it a popular choice for budget-conscious drivers. Rates in Los Lunas 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 Los Lunas

$1106

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Los Lunas

1st place: USAA

At $785 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $850 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 $850 for six months, making it the third cheapest auto insurance company in Los Lunas.

Los Lunas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Los Lunas, NM is USAA, offering policies at just $785 for a six-month term. This is followed by Encompass, which has an average six-month premium of $850.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Los Lunas drivers find the best deals.

Cheap Car Insurance Companies in Los Lunas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$785	$132
Encompass	$850	$142
State Farm	$850	$143
Nationwide	$949	$160
Progressive	$1002	$169
Central Mutual	$1068	$178
Farmers	$1233	$208
Central Insurance	$1332	$222
Farm Bureau	$1339	$228
Allstate	$1556	$262
Kemper	$1207	$201

Key Takeaways

Way's key takeaways about car insurance in Los Lunas

The auto insurance costs in Los Lunas fall around $785 for six months.
The cheapest auto insurance company in Los Lunas is Central Mutual.
Teen drivers pay the highest rate in Los Lunas at $788 per month.

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Cheapest Minimum Liability Car Insurance in Los Lunas

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 Los Lunas are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Los Lunas. Their Average 6 Month Premium is $139. Allstate is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Los Lunas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$139	$23
USAA	$178	$30
Central Insurance	$218	$37
Iowa Farm Bureau	$224	$38
Farm Bureau	$264	$44
Encompass	$271	$46
Progressive	$271	$46
State Farm	$290	$49
Kemper	$389	$67
Farmers	$422	$71
Nationwide	$435	$74
Allstate	$587	$99

Cheapest Full Coverage Car Insurance in Los Lunas

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 Los Lunas is USAA at $132 per month and $785 for six months.

Cheapest Full Coverage Car Insurance Quotes in Los Lunas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$785	$132
Encompass	$850	$142
State Farm	$850	$143
Nationwide	$949	$160
Progressive	$1002	$169
Central Mutual	$1068	$178
Farmers	$1233	$208
Central Insurance	$1332	$222
Farm Bureau	$1339	$228
Allstate	$1556	$262
Kemper	$1207	$201

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Average Car Insurance in Los Lunas 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 Los Lunas, NM increasing?

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

Car Insurance Premiums by Age in Los Lunas

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	$649
40s	MetLife	$606
50s	MetLife	$557
60s	MetLife	$529
70s	MetLife	$688

Cheapest Car Insurance Rates for Teen Drivers in Los Lunas,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Los Lunas at $34 per month. At $4681 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$204	$34
Iowa Farm Bureau	$296	$50
Kemper	$303	$51
USAA	$1094	$184
State Farm	$1760	$296
Farm Bureau	$2143	$364
Progressive	$2736	$461
Nationwide	$3877	$659
Farmers	$4543	$765
Allstate	$4681	$788

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 Los Lunas.

As young drivers face the highest rates in Los Lunas, MetLife offers the cheapest auto insurance rates at $649 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 Los Lunas, Kemper is the cheapest car insurance provider. At $363 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 Los Lunas is State Farm, offering rates of around $3106 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$363	$62
USAA	$917	$153
Progressive	$936	$158
Farmers	$1602	$270
Farm Bureau	$1951	$332
Allstate	$2031	$339
State Farm	$3106	$528

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Car Insurance Rates with An Accident in Los Lunas

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

Cheapest Car Insurance Companies after an At-Fault Accident in Los Lunas

The cheapest car insurance companies after an at-fault accident in Los Lunas include Central Mutual and Central Insurance, offering $139 and $296, respectively. Allstate is an expensive provider with an average six-month premium of $2341.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$139	$23
Central Insurance	$296	$50
Encompass	$330	$56
Kemper	$356	$61
Iowa Farm Bureau	$363	$60
USAA	$574	$97
State Farm	$765	$129
Progressive	$837	$141
Farm Bureau	$1826	$304
Farmers	$2143	$361
Nationwide	$2176	$363
Allstate	$2341	$394

Los Lunas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Los Lunas NM. For example, the car insurance in Los Lunas after a DUI increases to $1042 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Los Lunas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1114	$185
One Med/PIP claim	$1128	$192
Not-at-fault accident	$1160	$193
One comp claim	$1167	$199
Two Med/PIP claims	$1180	$196
Two comp claims	$1213	$206
Failure to show documents	$1227	$204
Failure to wear a seat belt	$1233	$210
Child safety restraint	$1279	$213
Driving without lights	$1279	$218
In 65 MPH zone	$1319	$220
Cell phone violation	$1325	$225
Texting while driving	$1325	$221
At-fault accident - less than $1000	$1332	$226
Driving with expired registration	$1332	$222
Speeding 11 - 15 MPH over limit	$1345	$229
Speeding 16 - 20 MPH over limit	$1345	$224
Speeding 6 - 10 MPH over limit	$1345	$229
Driving too slowly	$1352	$225
Failure to stop at a red light	$1352	$230
Failure to yield	$1352	$225
Following too closely	$1352	$230
Illegal turn	$1352	$225
Improper passing	$1352	$230
Speeding in school zone	$1352	$225
Wrong way/wrong lane	$1352	$230
Passing school bus	$1372	$229
Operating a vehicle without permission	$1391	$236
Speeding 21 - 25 MPH over limit	$1391	$232
Open container	$1550	$263
At-fault accident - $1000-$2000	$1576	$263
At-fault accident - greater than $2000	$1590	$270
Reckless driving	$2063	$344
Driving with a suspended license	$2070	$352
Refusal to submit to a chemical test	$2097	$350
DUI	$2156	$366
Racing	$2202	$367
Leaving scene of an accident/hit and run	$2216	$376

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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 Los Lunas 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 Los Lunas.

The cheapest car insurance premiums in Los Lunas are offered by Kemper at $356 for a six-month policy. However, it can be as expensive as $2373 with companies like Farm Bureau.

Los Lunas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$356	$60
Central Insurance	$435	$74
Progressive	$778	$131
State Farm	$805	$135
USAA	$904	$152
Farmers	$1319	$222
Nationwide	$1424	$238
Allstate	$1906	$321
Farm Bureau	$2373	$395

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 Los Lunas are offered by Iowa Farm Bureau at $271. However, it can be as expensive as $3568 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Los Lunas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$271	$46
USAA	$534	$89
State Farm	$619	$104
Progressive	$686	$115
Farm Bureau	$1404	$239
Farmers	$2882	$481
Allstate	$3568	$606

Car Insurance Price Trends in Los Lunas, New Mexico

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

The average cost of full coverage in the Los Lunas rose by $214 in December compared to $210 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 Los Lunas rose to $51 in December, compared to $48 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 Los Lunas?

The car insurance in Los Lunas is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Los Lunas?

The cheapest car insurance in Los Lunas is $132 per month for full coverage.

How much is car insurance in Los Lunas for teenagers?

Car insurance for teenagers costs $204 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 Los Lunas?

The average cost of car insurance is $996 for a six-month policy. It will cost around $185 per month to insure your car in Los Lunas.

Is car insurance expensive in Los Lunas?

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

What is the best car insurance in Los Lunas, NM?

The best car insurance company in Los Lunas NM is USAA, offering $785 for a six-month policy.