Cheapest Car Insurance Quotes in Radium Springs

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Radium Springs Car Insurance

^$ 20

/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 Radium Springs

The car insurance rate in Radium Springs is $956 for a six-month policy, which is $40 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $679, making it a popular choice for budget-conscious drivers. Rates in Radium Springs 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 Radium Springs

$956

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Radium Springs

1st place: USAA

At $679 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $735 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 $735 for six months, making it the third cheapest auto insurance company in Radium Springs.

Radium Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Radium Springs, NM is USAA, offering policies at just $679 for a six-month term. This is followed by Encompass, which has an average six-month premium of $735.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1044 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Radium Springs drivers find the best deals.

Cheap Car Insurance Companies in Radium Springs, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$679	$114
Encompass	$735	$123
State Farm	$735	$124
Nationwide	$821	$138
Progressive	$867	$146
Central Mutual	$924	$154
Farmers	$1067	$180
Central Insurance	$1152	$192
Farm Bureau	$1158	$197
Allstate	$1346	$227
Kemper	$1044	$174

Key Takeaways

Way's key takeaways about car insurance in Radium Springs

The auto insurance costs in Radium Springs fall around $679 for six months.
The cheapest auto insurance company in Radium Springs is Central Mutual.
Teen drivers pay the highest rate in Radium Springs at $682 per month.

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Cheapest Minimum Liability Car Insurance in Radium Springs

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 Radium Springs are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Radium Springs. Their Average 6 Month Premium is $120. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Radium Springs, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$120	$20
USAA	$154	$26
Central Insurance	$188	$32
Iowa Farm Bureau	$194	$33
Farm Bureau	$228	$38
Encompass	$234	$39
Progressive	$234	$39
State Farm	$251	$42
Kemper	$336	$58
Farmers	$365	$61
Nationwide	$376	$64
Allstate	$508	$85

Cheapest Full Coverage Car Insurance in Radium Springs

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 Radium Springs is USAA at $114 per month and $679 for six months.

Cheapest Full Coverage Car Insurance Quotes in Radium Springs, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$679	$114
Encompass	$735	$123
State Farm	$735	$124
Nationwide	$821	$138
Progressive	$867	$146
Central Mutual	$924	$154
Farmers	$1067	$180
Central Insurance	$1152	$192
Farm Bureau	$1158	$197
Allstate	$1346	$227
Kemper	$1044	$174

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Average Car Insurance in Radium Springs 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 Radium Springs, NM increasing?

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

Car Insurance Premiums by Age in Radium Springs

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	$562
40s	MetLife	$524
50s	MetLife	$482
60s	MetLife	$458
70s	MetLife	$595

Cheapest Car Insurance Rates for Teen Drivers in Radium Springs,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Radium Springs at $30 per month. At $4048 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$177	$30
Iowa Farm Bureau	$256	$43
Kemper	$262	$44
USAA	$947	$159
State Farm	$1523	$256
Farm Bureau	$1854	$315
Progressive	$2366	$398
Nationwide	$3353	$570
Farmers	$3929	$661
Allstate	$4048	$682

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 Radium Springs.

As young drivers face the highest rates in Radium Springs, MetLife offers the cheapest auto insurance rates at $562 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 Radium Springs, Kemper is the cheapest car insurance provider. At $314 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 Radium Springs is State Farm, offering rates of around $2686 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$314	$54
USAA	$793	$132
Progressive	$809	$136
Farmers	$1385	$233
Farm Bureau	$1688	$287
Allstate	$1757	$293
State Farm	$2686	$457

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Car Insurance Rates with An Accident in Radium Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Radium Springs

The cheapest car insurance companies after an at-fault accident in Radium Springs include Central Mutual and Central Insurance, offering $120 and $256, respectively. Allstate is an expensive provider with an average six-month premium of $2025.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$120	$20
Central Insurance	$256	$43
Encompass	$285	$48
Kemper	$308	$53
Iowa Farm Bureau	$314	$52
USAA	$496	$84
State Farm	$661	$111
Progressive	$724	$122
Farm Bureau	$1579	$263
Farmers	$1854	$312
Nationwide	$1882	$314
Allstate	$2025	$341

Radium Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Radium Springs NM. For example, the car insurance in Radium Springs after a DUI increases to $900 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Radium Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$964	$160
One Med/PIP claim	$975	$166
Not-at-fault accident	$1003	$167
One comp claim	$1009	$172
Two Med/PIP claims	$1020	$170
Two comp claims	$1049	$179
Failure to show documents	$1061	$177
Failure to wear a seat belt	$1067	$181
Child safety restraint	$1106	$184
Driving without lights	$1106	$188
In 65 MPH zone	$1140	$190
Cell phone violation	$1146	$195
Texting while driving	$1146	$191
At-fault accident - less than $1000	$1152	$196
Driving with expired registration	$1152	$192
Speeding 11 - 15 MPH over limit	$1164	$198
Speeding 16 - 20 MPH over limit	$1164	$194
Speeding 6 - 10 MPH over limit	$1164	$198
Driving too slowly	$1169	$195
Failure to stop at a red light	$1169	$199
Failure to yield	$1169	$195
Following too closely	$1169	$199
Illegal turn	$1169	$195
Improper passing	$1169	$199
Speeding in school zone	$1169	$195
Wrong way/wrong lane	$1169	$199
Passing school bus	$1187	$198
Operating a vehicle without permission	$1203	$204
Speeding 21 - 25 MPH over limit	$1203	$201
Open container	$1340	$228
At-fault accident - $1000-$2000	$1363	$228
At-fault accident - greater than $2000	$1375	$233
Reckless driving	$1785	$298
Driving with a suspended license	$1790	$304
Refusal to submit to a chemical test	$1813	$302
DUI	$1864	$317
Racing	$1905	$318
Leaving scene of an accident/hit and run	$1916	$325

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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 Radium Springs 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 Radium Springs.

The cheapest car insurance premiums in Radium Springs are offered by Kemper at $308 for a six-month policy. However, it can be as expensive as $2052 with companies like Farm Bureau.

Radium Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$308	$52
Central Insurance	$376	$64
Progressive	$673	$113
State Farm	$696	$117
USAA	$781	$132
Farmers	$1140	$192
Nationwide	$1232	$205
Allstate	$1648	$277
Farm Bureau	$2052	$342

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 Radium Springs are offered by Iowa Farm Bureau at $234. However, it can be as expensive as $3085 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Radium Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$234	$39
USAA	$462	$77
State Farm	$536	$90
Progressive	$593	$100
Farm Bureau	$1214	$206
Farmers	$2492	$416
Allstate	$3085	$524

Car Insurance Price Trends in Radium Springs, New Mexico

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

The average cost of full coverage in the Radium Springs rose by $185 in December compared to $181 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 Radium Springs rose to $44 in December, compared to $41 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Radium Springs?

The car insurance in Radium Springs is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Radium Springs?

The cheapest car insurance in Radium Springs is $114 per month for full coverage.

How much is car insurance in Radium Springs for teenagers?

Car insurance for teenagers costs $177 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 Radium Springs?

The average cost of car insurance is $996 for a six-month policy. It will cost around $160 per month to insure your car in Radium Springs.

Is car insurance expensive in Radium Springs?

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

What is the best car insurance in Radium Springs, NM?

The best car insurance company in Radium Springs NM is USAA, offering $679 for a six-month policy.