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Finding the cheapest car insurance quotes in McDonald shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 McDonald
The car insurance rate in McDonald is $1026 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $728, making it a popular choice for budget-conscious drivers. Rates in McDonald 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.
At $728 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $789 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 $789
for six months, making it
the third cheapest auto insurance company in McDonald.
McDonald Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in McDonald, NM is USAA, offering policies at just $728 for a six-month term. This is followed by Encompass, which has an average six-month premium of $789.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1120 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McDonald drivers find the best deals.
Way's key takeaways about car insurance in McDonald
The auto insurance costs in McDonald fall around $728 for six
months.
The cheapest auto insurance company in McDonald is Central Mutual.
Teen drivers pay the highest rate in McDonald at $731 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in McDonald
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 McDonald are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in McDonald. Their Average 6 Month Premium is $129.
Allstate is the most
expensive at $545 for the same
period.
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 McDonald is USAA
at $123 per month and $728
for six months.
Cheapest Full Coverage Car Insurance Quotes in McDonald,
NM
Get Your Car Insurance Quote in McDonald
Instantly!
Average Car Insurance in McDonald 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 McDonald, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in McDonald, 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, McDonald's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in McDonald
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
$603
40s
MetLife
$562
50s
MetLife
$517
60s
MetLife
$491
70s
MetLife
$639
Cheapest Car Insurance Rates for Teen Drivers in
McDonald,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the McDonald at $32
per
month. At $4344 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties MetLife is
the best choice for car
insurance in McDonald.
As young drivers face the highest rates in McDonald, MetLife
offers the cheapest auto insurance rates at $603 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 McDonald,
Kemper is
the cheapest car insurance provider. At $337 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
McDonald is State Farm, offering
rates of around $2882 for six
months.
Save up to $971/yr on car insurance rates in McDonald.
Car Insurance Rates with An Accident in McDonald
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 McDonald, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in McDonald
The cheapest car insurance companies after an at-fault accident in
McDonald include Central Mutual
and Central Insurance, offering $129
and $275,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2172.
Here is a list of driving violations that can increase your car
insurance rates in McDonald NM. For example, the car
insurance in McDonald
after a DUI increases to $966 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
McDonald auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1034
$172
One Med/PIP claim
$1046
$178
Not-at-fault accident
$1076
$179
One comp claim
$1083
$184
Two Med/PIP claims
$1095
$182
Two comp claims
$1126
$192
Failure to show documents
$1138
$190
Failure to wear a seat belt
$1144
$195
Child safety restraint
$1187
$198
Driving without lights
$1187
$202
In 65 MPH zone
$1224
$204
Cell phone violation
$1230
$209
Texting while driving
$1230
$205
At-fault accident - less than $1000
$1236
$210
Driving with expired registration
$1236
$206
Speeding 11 - 15 MPH over limit
$1248
$212
Speeding 16 - 20 MPH over limit
$1248
$208
Speeding 6 - 10 MPH over limit
$1248
$212
Driving too slowly
$1255
$209
Failure to stop at a red light
$1255
$213
Failure to yield
$1255
$209
Following too closely
$1255
$213
Illegal turn
$1255
$209
Improper passing
$1255
$213
Speeding in school zone
$1255
$209
Wrong way/wrong lane
$1255
$213
Passing school bus
$1273
$212
Operating a vehicle without permission
$1291
$219
Speeding 21 - 25 MPH over limit
$1291
$215
Open container
$1438
$244
At-fault accident - $1000-$2000
$1463
$244
At-fault accident - greater than $2000
$1475
$250
Reckless driving
$1915
$319
Driving with a suspended license
$1921
$327
Refusal to submit to a chemical test
$1946
$324
DUI
$2000
$340
Racing
$2044
$341
Leaving scene of an accident/hit and run
$2056
$349
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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 McDonald 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 McDonald.
The cheapest car insurance premiums in
McDonald are
offered by Kemper at $331 for a six-month policy.
However, it can be as
expensive as $2202 with companies
like Farm Bureau.
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 McDonald are offered by Iowa Farm Bureau
at $251. However,
it can be as expensive as $3310
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in McDonald after Speeding ticket
Car Insurance Price Trends in McDonald,
New Mexico
Car insurance rates in McDonald have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the McDonald rose by
$199 in December
compared to $195 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 McDonald rose to $47 in December,
compared to $44 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in McDonald by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
McDonald. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in McDonald?
The car insurance in McDonald is $22 per month, which is lower than the national average.
What is the cheapest car insurance in McDonald?
The cheapest car insurance in McDonald
is $123 per month
for full coverage.
How much is car insurance in McDonald for teenagers?
Car insurance for teenagers costs $190 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
McDonald?
The average cost of car insurance is $996 for a six-month
policy. It will cost around $172 per month to insure your
car in McDonald.
Is car insurance expensive in McDonald?
Car insurance can be expensive in McDonald if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in McDonald can be
affordable.
What is the best car insurance in McDonald,
NM?
The best car insurance company in McDonald
NM is
USAA, offering $728 for a
six-month policy.
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Find Car Insurance Rates in Cities Near McDonald, NM
Car Insurance Rates by State in the USA (2025 Update)
McDonald Car Insurance
