Cheapest Car Insurance Quotes in Playas

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Playas 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 Playas

The car insurance rate in Playas is $964 for a six-month policy, which is $95 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $654, making it a popular choice for budget-conscious drivers. Rates in Playas 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 Playas

$964

Avg. Car Insurance in New Mexico

$1059

National Average

$1278

Cheapest Car Insurance Companies in Playas

1st place: USAA

At $654 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $697 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $778 for six months, making it the third cheapest auto insurance company in Playas.

Playas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Playas, NM is USAA, offering policies at just $654 for a six-month term. This is followed by Encompass, which has an average six-month premium of $697.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $989 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Playas drivers find the best deals.

Cheap Car Insurance Companies in Playas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$654	$110
Encompass	$697	$116
Nationwide	$778	$131
State Farm	$794	$134
Central Mutual	$875	$149
Progressive	$935	$157
Central Insurance	$1092	$186
Farmers	$1114	$187
Allstate	$1276	$215
Farm Bureau	$1395	$232
Kemper	$989	$165

Key Takeaways

Way's key takeaways about car insurance in Playas

The auto insurance costs in Playas fall around $654 for six months.
The cheapest auto insurance company in Playas is Central Mutual.
Teen drivers pay the highest rate in Playas at $693 per month.

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Cheapest Minimum Liability Car Insurance in Playas

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 Playas are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Playas. Their Average 6 Month Premium is $114. Allstate is the most expensive at $465 for the same period.

Cheapest Liability Coverage in Playas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$114	$19
USAA	$146	$25
Central Insurance	$178	$30
Iowa Farm Bureau	$184	$31
Encompass	$222	$37
State Farm	$254	$43
Farm Bureau	$281	$48
Progressive	$314	$53
Kemper	$319	$55
Nationwide	$357	$59
Farmers	$362	$61
Allstate	$465	$78

Cheapest Full Coverage Car Insurance in Playas

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 Playas is USAA at $110 per month and $654 for six months.

Cheapest Full Coverage Car Insurance Quotes in Playas, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$654	$110
Encompass	$697	$116
Nationwide	$778	$131
State Farm	$794	$134
Central Mutual	$875	$149
Progressive	$935	$157
Central Insurance	$1092	$186
Farmers	$1114	$187
Allstate	$1276	$215
Farm Bureau	$1395	$232
Kemper	$989	$165

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Average Car Insurance in Playas 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 Playas, NM increasing?

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

Car Insurance Premiums by Age in Playas

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	$532
40s	MetLife	$497
50s	MetLife	$457
60s	MetLife	$434
70s	MetLife	$564

Cheapest Car Insurance Rates for Teen Drivers in Playas,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Playas at $28 per month. At $4119 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$167	$28
Iowa Farm Bureau	$243	$41
Kemper	$248	$42
USAA	$935	$157
State Farm	$1670	$281
Farm Bureau	$2308	$392
Progressive	$2897	$488
Nationwide	$3179	$541
Allstate	$3837	$646
Farmers	$4119	$693

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 Playas.

As young drivers face the highest rates in Playas, MetLife offers the cheapest auto insurance rates at $532 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 Playas, Kemper is the cheapest car insurance provider. At $298 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 Playas is State Farm, offering rates of around $3740 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$298	$51
USAA	$833	$138
Progressive	$1217	$205
Farmers	$1562	$263
Allstate	$1665	$283
Farm Bureau	$2087	$348
State Farm	$3740	$636

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Car Insurance Rates with An Accident in Playas

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

Cheapest Car Insurance Companies after an At-Fault Accident in Playas

The cheapest car insurance companies after an at-fault accident in Playas include Central Mutual and Central Insurance, offering $114 and $243, respectively. Farmers is an expensive provider with an average six-month premium of $1973.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$114	$19
Central Insurance	$243	$41
Encompass	$270	$46
Kemper	$292	$50
Iowa Farm Bureau	$298	$49
USAA	$487	$82
State Farm	$681	$115
Progressive	$865	$146
Nationwide	$1784	$298
Allstate	$1919	$323
Farm Bureau	$1940	$323
Farmers	$1973	$332

Playas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Playas NM. For example, the car insurance in Playas after a DUI increases to $853 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Playas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$914	$152
One Med/PIP claim	$925	$157
Not-at-fault accident	$951	$158
One comp claim	$956	$163
Two Med/PIP claims	$967	$161
Two comp claims	$995	$169
Failure to show documents	$1006	$167
Failure to wear a seat belt	$1011	$172
Child safety restraint	$1048	$175
Driving without lights	$1048	$178
In 65 MPH zone	$1081	$180
Cell phone violation	$1087	$185
Texting while driving	$1087	$181
At-fault accident - less than $1000	$1092	$186
Driving with expired registration	$1092	$182
Speeding 11 - 15 MPH over limit	$1103	$187
Speeding 16 - 20 MPH over limit	$1103	$184
Speeding 6 - 10 MPH over limit	$1103	$187
Driving too slowly	$1108	$185
Failure to stop at a red light	$1108	$188
Failure to yield	$1108	$185
Following too closely	$1108	$188
Illegal turn	$1108	$185
Improper passing	$1108	$188
Speeding in school zone	$1108	$185
Wrong way/wrong lane	$1108	$188
Passing school bus	$1125	$187
Operating a vehicle without permission	$1140	$194
Speeding 21 - 25 MPH over limit	$1140	$190
Open container	$1270	$216
At-fault accident - $1000-$2000	$1292	$216
At-fault accident - greater than $2000	$1303	$221
Reckless driving	$1692	$282
Driving with a suspended license	$1697	$288
Refusal to submit to a chemical test	$1719	$287
DUI	$1767	$300
Racing	$1805	$301
Leaving scene of an accident/hit and run	$1816	$308

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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 Playas 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 Playas.

The cheapest car insurance premiums in Playas are offered by Kemper at $292 for a six-month policy. However, it can be as expensive as $2563 with companies like Farm Bureau.

Playas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$292	$49
Central Insurance	$357	$61
USAA	$773	$130
State Farm	$827	$139
Progressive	$838	$141
Nationwide	$1168	$198
Farmers	$1217	$205
Allstate	$1562	$263
Farm Bureau	$2563	$427

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 Playas are offered by Iowa Farm Bureau at $222. However, it can be as expensive as $2670 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Playas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$222	$37
State Farm	$562	$95
USAA	$562	$96
Progressive	$1065	$179
Farm Bureau	$1502	$256
Allstate	$2670	$445
Farmers	$2670	$454

Car Insurance Price Trends in Playas, New Mexico

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

The average cost of full coverage in the Playas rose by $201 in January compared to $176 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Playas rose to $46 in January, compared to $42 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Playas?

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

What is the cheapest car insurance in Playas?

The cheapest car insurance in Playas is $110 per month for full coverage.

How much is car insurance in Playas for teenagers?

Car insurance for teenagers costs $167 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 Playas?

The average cost of car insurance is $1059 for a six-month policy. It will cost around $162 per month to insure your car in Playas.

Is car insurance expensive in Playas?

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

What is the best car insurance in Playas, NM?

The best car insurance company in Playas NM is USAA, offering $654 for a six-month policy.