Cheapest Car Insurance Quotes in Los Ojos

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Los Ojos 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 Ojos

The car insurance rate in Los Ojos is $1096 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $778, making it a popular choice for budget-conscious drivers. Rates in Los Ojos 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 Ojos

$1096

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Los Ojos

1st place: USAA

At $778 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $843 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 $843 for six months, making it the third cheapest auto insurance company in Los Ojos.

Los Ojos Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Los Ojos, NM is USAA, offering policies at just $778 for a six-month term. This is followed by Encompass, which has an average six-month premium of $843.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1196 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Los Ojos drivers find the best deals.

Cheap Car Insurance Companies in Los Ojos, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$778	$131
Encompass	$843	$141
State Farm	$843	$142
Nationwide	$941	$158
Progressive	$993	$167
Central Mutual	$1058	$176
Farmers	$1222	$206
Central Insurance	$1320	$220
Farm Bureau	$1327	$226
Allstate	$1542	$260
Kemper	$1196	$199

Key Takeaways

Way's key takeaways about car insurance in Los Ojos

The auto insurance costs in Los Ojos fall around $778 for six months.
The cheapest auto insurance company in Los Ojos is Central Mutual.
Teen drivers pay the highest rate in Los Ojos at $781 per month.

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Cheapest Minimum Liability Car Insurance in Los Ojos

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 Ojos are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Los Ojos. Their Average 6 Month Premium is $138. Allstate is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Los Ojos, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$138	$23
USAA	$176	$30
Central Insurance	$216	$36
Iowa Farm Bureau	$222	$37
Farm Bureau	$262	$44
Encompass	$268	$45
Progressive	$268	$45
State Farm	$287	$48
Kemper	$385	$66
Farmers	$418	$70
Nationwide	$431	$74
Allstate	$582	$98

Cheapest Full Coverage Car Insurance in Los Ojos

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 Ojos is USAA at $131 per month and $778 for six months.

Cheapest Full Coverage Car Insurance Quotes in Los Ojos, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$778	$131
Encompass	$843	$141
State Farm	$843	$142
Nationwide	$941	$158
Progressive	$993	$167
Central Mutual	$1058	$176
Farmers	$1222	$206
Central Insurance	$1320	$220
Farm Bureau	$1327	$226
Allstate	$1542	$260
Kemper	$1196	$199

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Average Car Insurance in Los Ojos 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 Ojos, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in Los Ojos, 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 Ojos'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 Ojos

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	$644
40s	MetLife	$601
50s	MetLife	$552
60s	MetLife	$525
70s	MetLife	$682

Cheapest Car Insurance Rates for Teen Drivers in Los Ojos,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 Ojos at $34 per month. At $4639 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$202	$34
Iowa Farm Bureau	$294	$50
Kemper	$300	$51
USAA	$1085	$183
State Farm	$1745	$294
Farm Bureau	$2124	$361
Progressive	$2712	$457
Nationwide	$3842	$653
Farmers	$4502	$758
Allstate	$4639	$781

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 Ojos.

As young drivers face the highest rates in Los Ojos, MetLife offers the cheapest auto insurance rates at $644 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 Ojos, Kemper is the cheapest car insurance provider. At $360 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 Ojos is State Farm, offering rates of around $3078 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$360	$62
USAA	$909	$152
Progressive	$927	$156
Farmers	$1587	$267
Farm Bureau	$1934	$329
Allstate	$2013	$336
State Farm	$3078	$524

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Car Insurance Rates with An Accident in Los Ojos

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

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

The cheapest car insurance companies after an at-fault accident in Los Ojos include Central Mutual and Central Insurance, offering $138 and $294, respectively. Allstate is an expensive provider with an average six-month premium of $2320.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$138	$23
Central Insurance	$294	$50
Encompass	$327	$55
Kemper	$353	$61
Iowa Farm Bureau	$360	$59
USAA	$569	$96
State Farm	$758	$128
Progressive	$829	$140
Farm Bureau	$1810	$301
Farmers	$2124	$358
Nationwide	$2156	$360
Allstate	$2320	$391

Los Ojos Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Los Ojos NM. For example, the car insurance in Los Ojos after a DUI increases to $1032 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

Los Ojos auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1104	$184
One Med/PIP claim	$1118	$190
Not-at-fault accident	$1150	$191
One comp claim	$1156	$197
Two Med/PIP claims	$1169	$195
Two comp claims	$1202	$205
Failure to show documents	$1216	$202
Failure to wear a seat belt	$1222	$208
Child safety restraint	$1267	$211
Driving without lights	$1267	$216
In 65 MPH zone	$1307	$218
Cell phone violation	$1313	$223
Texting while driving	$1313	$219
At-fault accident - less than $1000	$1320	$224
Driving with expired registration	$1320	$220
Speeding 11 - 15 MPH over limit	$1333	$227
Speeding 16 - 20 MPH over limit	$1333	$222
Speeding 6 - 10 MPH over limit	$1333	$227
Driving too slowly	$1340	$223
Failure to stop at a red light	$1340	$228
Failure to yield	$1340	$223
Following too closely	$1340	$228
Illegal turn	$1340	$223
Improper passing	$1340	$228
Speeding in school zone	$1340	$223
Wrong way/wrong lane	$1340	$228
Passing school bus	$1360	$227
Operating a vehicle without permission	$1378	$234
Speeding 21 - 25 MPH over limit	$1378	$230
Open container	$1536	$261
At-fault accident - $1000-$2000	$1562	$261
At-fault accident - greater than $2000	$1575	$267
Reckless driving	$2045	$341
Driving with a suspended license	$2052	$349
Refusal to submit to a chemical test	$2078	$347
DUI	$2136	$363
Racing	$2182	$364
Leaving scene of an accident/hit and run	$2196	$373

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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 Ojos 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 Ojos.

The cheapest car insurance premiums in Los Ojos are offered by Kemper at $353 for a six-month policy. However, it can be as expensive as $2352 with companies like Farm Bureau.

Los Ojos car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$59
Central Insurance	$431	$74
Progressive	$771	$130
State Farm	$798	$134
USAA	$895	$151
Farmers	$1307	$220
Nationwide	$1411	$235
Allstate	$1889	$318
Farm Bureau	$2352	$392

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 Ojos are offered by Iowa Farm Bureau at $268. However, it can be as expensive as $3535 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Los Ojos after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$268	$45
USAA	$529	$88
State Farm	$614	$103
Progressive	$680	$114
Farm Bureau	$1392	$237
Farmers	$2856	$476
Allstate	$3535	$601

Car Insurance Price Trends in Los Ojos, New Mexico

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

The average cost of full coverage in the Los Ojos rose by $212 in December compared to $208 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 Ojos rose to $51 in December, compared to $47 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 Los Ojos?

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

What is the cheapest car insurance in Los Ojos?

The cheapest car insurance in Los Ojos is $131 per month for full coverage.

How much is car insurance in Los Ojos for teenagers?

Car insurance for teenagers costs $202 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 Ojos?

The average cost of car insurance is $996 for a six-month policy. It will cost around $184 per month to insure your car in Los Ojos.

Is car insurance expensive in Los Ojos?

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

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

The best car insurance company in Los Ojos NM is USAA, offering $778 for a six-month policy.