Cheapest Car Insurance Quotes in North Valley

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North Valley Car Insurance

^$ 25

/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 North Valley

The car insurance rate in North Valley is $1185 for a six-month policy, which is $189 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $841, making it a popular choice for budget-conscious drivers. Rates in North Valley 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 North Valley

$1185

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in North Valley

1st place: USAA

At $841 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $912 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 $912 for six months, making it the third cheapest auto insurance company in North Valley.

North Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Valley, NM is USAA, offering policies at just $841 for a six-month term. This is followed by Encompass, which has an average six-month premium of $912.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1294 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Valley drivers find the best deals.

Cheap Car Insurance Companies in North Valley, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$841	$142
Encompass	$912	$152
State Farm	$912	$154
Nationwide	$1017	$171
Progressive	$1075	$181
Central Mutual	$1145	$190
Farmers	$1322	$223
Central Insurance	$1428	$238
Farm Bureau	$1435	$244
Allstate	$1668	$281
Kemper	$1294	$215

Key Takeaways

Way's key takeaways about car insurance in North Valley

The auto insurance costs in North Valley fall around $841 for six months.
The cheapest auto insurance company in North Valley is Central Mutual.
Teen drivers pay the highest rate in North Valley at $845 per month.

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Cheapest Minimum Liability Car Insurance in North Valley

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 North Valley are given below.

Central Mutual provides the cheapest minimum car insurance coverage in North Valley. Their Average 6 Month Premium is $149. Allstate is the most expensive at $630 for the same period.

Cheapest Liability Coverage in North Valley, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$149	$25
USAA	$190	$32
Central Insurance	$233	$39
Iowa Farm Bureau	$240	$40
Farm Bureau	$283	$48
Encompass	$290	$49
Progressive	$290	$49
State Farm	$311	$52
Kemper	$417	$71
Farmers	$452	$76
Nationwide	$466	$80
Allstate	$630	$106

Cheapest Full Coverage Car Insurance in North Valley

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 North Valley is USAA at $142 per month and $841 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Valley, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$841	$142
Encompass	$912	$152
State Farm	$912	$154
Nationwide	$1017	$171
Progressive	$1075	$181
Central Mutual	$1145	$190
Farmers	$1322	$223
Central Insurance	$1428	$238
Farm Bureau	$1435	$244
Allstate	$1668	$281
Kemper	$1294	$215

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Average Car Insurance in North Valley 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 North Valley, NM increasing?

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

Car Insurance Premiums by Age in North Valley

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	$696
40s	MetLife	$650
50s	MetLife	$597
60s	MetLife	$568
70s	MetLife	$738

Cheapest Car Insurance Rates for Teen Drivers in North Valley,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the North Valley at $37 per month. At $5018 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$219	$37
Iowa Farm Bureau	$318	$54
Kemper	$325	$55
USAA	$1173	$198
State Farm	$1887	$318
Farm Bureau	$2298	$390
Progressive	$2933	$494
Nationwide	$4157	$707
Farmers	$4871	$820
Allstate	$5018	$845

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 North Valley.

As young drivers face the highest rates in North Valley, MetLife offers the cheapest auto insurance rates at $696 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 North Valley, Kemper is the cheapest car insurance provider. At $389 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 North Valley is State Farm, offering rates of around $3330 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$389	$67
USAA	$983	$164
Progressive	$1003	$169
Farmers	$1717	$289
Farm Bureau	$2092	$356
Allstate	$2178	$363
State Farm	$3330	$566

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Car Insurance Rates with An Accident in North Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Valley

The cheapest car insurance companies after an at-fault accident in North Valley include Central Mutual and Central Insurance, offering $149 and $318, respectively. Allstate is an expensive provider with an average six-month premium of $2510.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$149	$25
Central Insurance	$318	$54
Encompass	$353	$60
Kemper	$382	$65
Iowa Farm Bureau	$389	$64
USAA	$615	$104
State Farm	$820	$138
Progressive	$897	$151
Farm Bureau	$1958	$326
Farmers	$2298	$387
Nationwide	$2332	$389
Allstate	$2510	$422

North Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Valley NM. For example, the car insurance in North Valley after a DUI increases to $1116 for a six month policy. While the rate increases by $247 for a six-month policy in the case of a speeding ticket.

North Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1195	$199
One Med/PIP claim	$1209	$206
Not-at-fault accident	$1244	$207
One comp claim	$1251	$213
Two Med/PIP claims	$1265	$211
Two comp claims	$1301	$221
Failure to show documents	$1315	$219
Failure to wear a seat belt	$1322	$225
Child safety restraint	$1371	$228
Driving without lights	$1371	$233
In 65 MPH zone	$1414	$236
Cell phone violation	$1421	$242
Texting while driving	$1421	$237
At-fault accident - less than $1000	$1428	$243
Driving with expired registration	$1428	$238
Speeding 11 - 15 MPH over limit	$1442	$245
Speeding 16 - 20 MPH over limit	$1442	$240
Speeding 6 - 10 MPH over limit	$1442	$245
Driving too slowly	$1449	$242
Failure to stop at a red light	$1449	$246
Failure to yield	$1449	$242
Following too closely	$1449	$246
Illegal turn	$1449	$242
Improper passing	$1449	$246
Speeding in school zone	$1449	$242
Wrong way/wrong lane	$1449	$246
Passing school bus	$1471	$245
Operating a vehicle without permission	$1491	$253
Speeding 21 - 25 MPH over limit	$1491	$249
Open container	$1661	$282
At-fault accident - $1000-$2000	$1690	$282
At-fault accident - greater than $2000	$1704	$289
Reckless driving	$2212	$369
Driving with a suspended license	$2219	$377
Refusal to submit to a chemical test	$2248	$375
DUI	$2311	$393
Racing	$2361	$394
Leaving scene of an accident/hit and run	$2375	$403

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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 North Valley 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 North Valley.

The cheapest car insurance premiums in North Valley are offered by Kemper at $382 for a six-month policy. However, it can be as expensive as $2544 with companies like Farm Bureau.

North Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$382	$64
Central Insurance	$466	$80
Progressive	$834	$140
State Farm	$863	$145
USAA	$969	$163
Farmers	$1414	$238
Nationwide	$1527	$255
Allstate	$2043	$344
Farm Bureau	$2544	$424

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 North Valley are offered by Iowa Farm Bureau at $290. However, it can be as expensive as $3825 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$290	$49
USAA	$572	$95
State Farm	$664	$112
Progressive	$735	$124
Farm Bureau	$1505	$256
Farmers	$3089	$515
Allstate	$3825	$650

Car Insurance Price Trends in North Valley, New Mexico

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

The average cost of full coverage in the North Valley rose by $230 in December compared to $225 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 North Valley rose to $55 in December, compared to $51 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 North Valley?

The car insurance in North Valley is $25 per month, which is lower than the national average.

What is the cheapest car insurance in North Valley?

The cheapest car insurance in North Valley is $142 per month for full coverage.

How much is car insurance in North Valley for teenagers?

Car insurance for teenagers costs $219 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 North Valley?

The average cost of car insurance is $996 for a six-month policy. It will cost around $199 per month to insure your car in North Valley.

Is car insurance expensive in North Valley?

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

What is the best car insurance in North Valley, NM?

The best car insurance company in North Valley NM is USAA, offering $841 for a six-month policy.