Cheapest Car Insurance Quotes in Paradise Hills

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Paradise Hills 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 Paradise Hills

The car insurance rate in Paradise Hills is $1239 for a six-month policy, which is $180 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 Paradise Hills 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 Paradise Hills

$1239

Avg. Car Insurance in New Mexico

$1059

National Average

$1278

Cheapest Car Insurance Companies in Paradise Hills

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 $896 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1000 for six months, making it the third cheapest auto insurance company in Paradise Hills.

Paradise Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paradise Hills, 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 $896.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1272 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paradise Hills drivers find the best deals.

Cheap Car Insurance Companies in Paradise Hills, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$841	$142
Encompass	$896	$150
Nationwide	$1000	$168
State Farm	$1021	$172
Central Mutual	$1126	$192
Progressive	$1203	$202
Central Insurance	$1404	$239
Farmers	$1432	$241
Allstate	$1640	$276
Farm Bureau	$1794	$298
Kemper	$1272	$212

Key Takeaways

Way's key takeaways about car insurance in Paradise Hills

The auto insurance costs in Paradise Hills fall around $841 for six months.
The cheapest auto insurance company in Paradise Hills is Central Mutual.
Teen drivers pay the highest rate in Paradise Hills at $892 per month.

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Cheapest Minimum Liability Car Insurance in Paradise Hills

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 Paradise Hills are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Paradise Hills. Their Average 6 Month Premium is $146. Allstate is the most expensive at $598 for the same period.

Cheapest Liability Coverage in Paradise Hills, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$146	$25
USAA	$187	$32
Central Insurance	$229	$39
Iowa Farm Bureau	$236	$40
Encompass	$285	$48
State Farm	$326	$55
Farm Bureau	$362	$62
Progressive	$404	$68
Kemper	$410	$70
Nationwide	$459	$76
Farmers	$466	$78
Allstate	$598	$101

Cheapest Full Coverage Car Insurance in Paradise Hills

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 Paradise Hills is USAA at $142 per month and $841 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paradise Hills, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$841	$142
Encompass	$896	$150
Nationwide	$1000	$168
State Farm	$1021	$172
Central Mutual	$1126	$192
Progressive	$1203	$202
Central Insurance	$1404	$239
Farmers	$1432	$241
Allstate	$1640	$276
Farm Bureau	$1794	$298
Kemper	$1272	$212

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Average Car Insurance in Paradise Hills 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 Paradise Hills, NM increasing?

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

Car Insurance Premiums by Age in Paradise Hills

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	$684
40s	MetLife	$639
50s	MetLife	$587
60s	MetLife	$558
70s	MetLife	$725

Cheapest Car Insurance Rates for Teen Drivers in Paradise Hills,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Paradise Hills at $36 per month. At $5295 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$215	$36
Iowa Farm Bureau	$312	$53
Kemper	$319	$54
USAA	$1203	$202
State Farm	$2147	$362
Farm Bureau	$2967	$504
Progressive	$3725	$627
Nationwide	$4087	$695
Allstate	$4934	$831
Farmers	$5295	$892

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 Paradise Hills.

As young drivers face the highest rates in Paradise Hills, MetLife offers the cheapest auto insurance rates at $684 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 Paradise Hills, Kemper is the cheapest car insurance provider. At $383 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 Paradise Hills is State Farm, offering rates of around $4809 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$383	$66
USAA	$1071	$178
Progressive	$1564	$263
Farmers	$2009	$338
Allstate	$2141	$364
Farm Bureau	$2683	$447
State Farm	$4809	$818

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Car Insurance Rates with An Accident in Paradise Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Paradise Hills

The cheapest car insurance companies after an at-fault accident in Paradise Hills include Central Mutual and Central Insurance, offering $146 and $312, respectively. Farmers is an expensive provider with an average six-month premium of $2537.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$146	$25
Central Insurance	$312	$53
Encompass	$347	$59
Kemper	$376	$64
Iowa Farm Bureau	$383	$63
USAA	$626	$105
State Farm	$875	$147
Progressive	$1112	$187
Nationwide	$2293	$383
Allstate	$2468	$415
Farm Bureau	$2494	$415
Farmers	$2537	$427

Paradise Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paradise Hills NM. For example, the car insurance in Paradise Hills after a DUI increases to $1097 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Paradise Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1175	$195
One Med/PIP claim	$1189	$202
Not-at-fault accident	$1223	$204
One comp claim	$1230	$209
Two Med/PIP claims	$1244	$207
Two comp claims	$1279	$218
Failure to show documents	$1293	$215
Failure to wear a seat belt	$1300	$221
Child safety restraint	$1348	$225
Driving without lights	$1348	$229
In 65 MPH zone	$1390	$232
Cell phone violation	$1397	$238
Texting while driving	$1397	$233
At-fault accident - less than $1000	$1404	$239
Driving with expired registration	$1404	$234
Speeding 11 - 15 MPH over limit	$1418	$241
Speeding 16 - 20 MPH over limit	$1418	$236
Speeding 6 - 10 MPH over limit	$1418	$241
Driving too slowly	$1425	$238
Failure to stop at a red light	$1425	$242
Failure to yield	$1425	$238
Following too closely	$1425	$242
Illegal turn	$1425	$238
Improper passing	$1425	$242
Speeding in school zone	$1425	$238
Wrong way/wrong lane	$1425	$242
Passing school bus	$1446	$241
Operating a vehicle without permission	$1466	$249
Speeding 21 - 25 MPH over limit	$1466	$245
Open container	$1633	$277
At-fault accident - $1000-$2000	$1661	$277
At-fault accident - greater than $2000	$1675	$284
Reckless driving	$2175	$363
Driving with a suspended license	$2182	$371
Refusal to submit to a chemical test	$2210	$369
DUI	$2272	$386
Racing	$2321	$387
Leaving scene of an accident/hit and run	$2335	$397

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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 Paradise Hills 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 Paradise Hills.

The cheapest car insurance premiums in Paradise Hills are offered by Kemper at $376 for a six-month policy. However, it can be as expensive as $3295 with companies like Farm Bureau.

Paradise Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$63
Central Insurance	$459	$78
USAA	$993	$167
State Farm	$1064	$179
Progressive	$1078	$181
Nationwide	$1501	$255
Farmers	$1564	$263
Allstate	$2009	$338
Farm Bureau	$3295	$549

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 Paradise Hills are offered by Iowa Farm Bureau at $285. However, it can be as expensive as $3433 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Paradise Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$285	$48
State Farm	$723	$122
USAA	$723	$123
Progressive	$1369	$230
Farm Bureau	$1932	$329
Allstate	$3433	$572
Farmers	$3433	$584

Car Insurance Price Trends in Paradise Hills, New Mexico

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

The average cost of full coverage in the Paradise Hills rose by $259 in January compared to $226 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Paradise Hills rose to $59 in January, compared to $54 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Paradise Hills?

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

What is the cheapest car insurance in Paradise Hills?

The cheapest car insurance in Paradise Hills is $142 per month for full coverage.

How much is car insurance in Paradise Hills for teenagers?

Car insurance for teenagers costs $215 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 Paradise Hills?

The average cost of car insurance is $1059 for a six-month policy. It will cost around $208 per month to insure your car in Paradise Hills.

Is car insurance expensive in Paradise Hills?

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

What is the best car insurance in Paradise Hills, NM?

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