Cheapest Car Insurance Quotes in Pie Town

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Pie Town Car Insurance

^$ 19

/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 Pie Town

The car insurance rate in Pie Town is $972 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Pie Town 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 Pie Town

$972

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in Pie Town

1st place: USAA

At $661 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $705 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $787 for six months, making it the third cheapest auto insurance company in Pie Town.

Pie Town Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pie Town, NM is USAA, offering policies at just $661 for a six-month term. This is followed by Encompass, which has an average six-month premium of $705.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1410 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pie Town drivers find the best deals.

Cheap Car Insurance Companies in Pie Town, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$661	$111
Encompass	$705	$118
Nationwide	$787	$132
State Farm	$803	$135
Central Mutual	$885	$151
Progressive	$946	$159
Central Insurance	$1104	$188
Farmers	$1126	$190
Allstate	$1290	$217
Farm Bureau	$1410	$235

Key Takeaways

Way's key takeaways about car insurance in Pie Town

The auto insurance costs in Pie Town fall around $661 for six months.
The cheapest auto insurance company in Pie Town is Central Mutual.
Teen drivers pay the highest rate in Pie Town at $701 per month.

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Cheapest Minimum Liability Car Insurance in Pie Town

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 Pie Town are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Pie Town. Their Average 6 Month Premium is $115. Allstate is the most expensive at $470 for the same period.

Cheapest Liability Coverage in Pie Town, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$115	$19
USAA	$147	$25
Central Insurance	$180	$30
Iowa Farm Bureau	$186	$31
Encompass	$224	$38
State Farm	$257	$43
Farm Bureau	$284	$49
Progressive	$317	$53
Kemper	$322	$55
Nationwide	$361	$60
Farmers	$366	$62
Allstate	$470	$79

Cheapest Full Coverage Car Insurance in Pie Town

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 Pie Town is USAA at $111 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pie Town, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$661	$111
Encompass	$705	$118
Nationwide	$787	$132
State Farm	$803	$135
Central Mutual	$885	$151
Progressive	$946	$159
Central Insurance	$1104	$188
Farmers	$1126	$190
Allstate	$1290	$217
Farm Bureau	$1410	$235

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Average Car Insurance in Pie Town 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 Pie Town, NM increasing?

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

Car Insurance Premiums by Age in Pie Town

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	$538
40s	MetLife	$502
50s	MetLife	$462
60s	MetLife	$439
70s	MetLife	$570

Cheapest Car Insurance Rates for Teen Drivers in Pie Town,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Pie Town at $29 per month. At $4164 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$169	$29
Iowa Farm Bureau	$246	$41
Kemper	$251	$42
USAA	$946	$159
State Farm	$1688	$284
Farm Bureau	$2333	$397
Progressive	$2929	$493
Nationwide	$3214	$546
Allstate	$3880	$653
Farmers	$4164	$701

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 Pie Town.

As young drivers face the highest rates in Pie Town, MetLife offers the cheapest auto insurance rates at $538 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 Pie Town, Kemper is the cheapest car insurance provider. At $301 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 Pie Town is State Farm, offering rates of around $3781 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$301	$52
USAA	$842	$140
Progressive	$1230	$207
Farmers	$1580	$266
Allstate	$1684	$286
Farm Bureau	$2110	$351
State Farm	$3781	$643

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Car Insurance Rates with An Accident in Pie Town

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pie Town

The cheapest car insurance companies after an at-fault accident in Pie Town include Central Mutual and Central Insurance, offering $115 and $246, respectively. Farmers is an expensive provider with an average six-month premium of $1995.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$115	$19
Central Insurance	$246	$41
Encompass	$273	$46
Kemper	$295	$51
Iowa Farm Bureau	$301	$50
USAA	$492	$83
State Farm	$688	$116
Progressive	$874	$147
Nationwide	$1803	$301
Allstate	$1940	$327
Farm Bureau	$1961	$327
Farmers	$1995	$336

Pie Town Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pie Town NM. For example, the car insurance in Pie Town after a DUI increases to $863 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

Pie Town auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$924	$154
One Med/PIP claim	$935	$159
Not-at-fault accident	$961	$160
One comp claim	$967	$165
Two Med/PIP claims	$978	$163
Two comp claims	$1006	$171
Failure to show documents	$1017	$169
Failure to wear a seat belt	$1022	$174
Child safety restraint	$1060	$177
Driving without lights	$1060	$180
In 65 MPH zone	$1093	$182
Cell phone violation	$1098	$187
Texting while driving	$1098	$183
At-fault accident - less than $1000	$1104	$188
Driving with expired registration	$1104	$184
Speeding 11 - 15 MPH over limit	$1115	$190
Speeding 16 - 20 MPH over limit	$1115	$186
Speeding 6 - 10 MPH over limit	$1115	$190
Driving too slowly	$1121	$187
Failure to stop at a red light	$1121	$190
Failure to yield	$1121	$187
Following too closely	$1121	$190
Illegal turn	$1121	$187
Improper passing	$1121	$190
Speeding in school zone	$1121	$187
Wrong way/wrong lane	$1121	$190
Passing school bus	$1137	$190
Operating a vehicle without permission	$1153	$196
Speeding 21 - 25 MPH over limit	$1153	$192
Open container	$1284	$218
At-fault accident - $1000-$2000	$1306	$218
At-fault accident - greater than $2000	$1317	$224
Reckless driving	$1710	$285
Driving with a suspended license	$1716	$292
Refusal to submit to a chemical test	$1738	$290
DUI	$1787	$304
Racing	$1825	$305
Leaving scene of an accident/hit and run	$1836	$312

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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 Pie Town 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 Pie Town.

The cheapest car insurance premiums in Pie Town are offered by Kemper at $295 for a six-month policy. However, it can be as expensive as $2591 with companies like Farm Bureau.

Pie Town car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$295	$50
Central Insurance	$361	$62
USAA	$781	$132
State Farm	$836	$141
Progressive	$847	$143
Nationwide	$1180	$201
Farmers	$1230	$207
Allstate	$1580	$266
Farm Bureau	$2591	$431

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 Pie Town are offered by Iowa Farm Bureau at $224. However, it can be as expensive as $2699 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pie Town after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$224	$38
State Farm	$569	$96
USAA	$569	$97
Progressive	$1076	$181
Farm Bureau	$1519	$259
Allstate	$2699	$450
Farmers	$2699	$459

Car Insurance Price Trends in Pie Town, New Mexico

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

The average cost of full coverage in the Pie Town remained steady at $203 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Pie Town remained steady at $46 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Pie Town?

The car insurance in Pie Town is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Pie Town?

The cheapest car insurance in Pie Town is $111 per month for full coverage.

How much is car insurance in Pie Town for teenagers?

Car insurance for teenagers costs $169 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 Pie Town?

The average cost of car insurance is $1056 for a six-month policy. It will cost around $163 per month to insure your car in Pie Town.

Is car insurance expensive in Pie Town?

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

What is the best car insurance in Pie Town, NM?

The best car insurance company in Pie Town NM is USAA, offering $661 for a six-month policy.