Cheapest Car Insurance Quotes in Rio Communities

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Rio Communities Car Insurance

^$ 24

/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 Rio Communities

The car insurance rate in Rio Communities is $1135 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $806, making it a popular choice for budget-conscious drivers. Rates in Rio Communities 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 Rio Communities

$1135

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Rio Communities

1st place: USAA

At $806 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $873 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 $873 for six months, making it the third cheapest auto insurance company in Rio Communities.

Rio Communities Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rio Communities, NM is USAA, offering policies at just $806 for a six-month term. This is followed by Encompass, which has an average six-month premium of $873.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1239 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rio Communities drivers find the best deals.

Cheap Car Insurance Companies in Rio Communities, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$806	$136
Encompass	$873	$146
State Farm	$873	$147
Nationwide	$975	$164
Progressive	$1029	$173
Central Mutual	$1097	$182
Farmers	$1267	$213
Central Insurance	$1368	$228
Farm Bureau	$1375	$234
Allstate	$1598	$269
Kemper	$1239	$206

Key Takeaways

Way's key takeaways about car insurance in Rio Communities

The auto insurance costs in Rio Communities fall around $806 for six months.
The cheapest auto insurance company in Rio Communities is Central Mutual.
Teen drivers pay the highest rate in Rio Communities at $809 per month.

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Cheapest Minimum Liability Car Insurance in Rio Communities

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 Rio Communities are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Rio Communities. Their Average 6 Month Premium is $143. Allstate is the most expensive at $603 for the same period.

Cheapest Liability Coverage in Rio Communities, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$143	$24
USAA	$182	$31
Central Insurance	$223	$38
Iowa Farm Bureau	$230	$39
Farm Bureau	$271	$46
Encompass	$278	$47
Progressive	$278	$47
State Farm	$298	$50
Kemper	$399	$68
Farmers	$433	$73
Nationwide	$447	$76
Allstate	$603	$101

Cheapest Full Coverage Car Insurance in Rio Communities

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 Rio Communities is USAA at $136 per month and $806 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rio Communities, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$806	$136
Encompass	$873	$146
State Farm	$873	$147
Nationwide	$975	$164
Progressive	$1029	$173
Central Mutual	$1097	$182
Farmers	$1267	$213
Central Insurance	$1368	$228
Farm Bureau	$1375	$234
Allstate	$1598	$269
Kemper	$1239	$206

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Average Car Insurance in Rio Communities 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 Rio Communities, NM increasing?

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

Car Insurance Premiums by Age in Rio Communities

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	$667
40s	MetLife	$622
50s	MetLife	$572
60s	MetLife	$544
70s	MetLife	$707

Cheapest Car Insurance Rates for Teen Drivers in Rio Communities,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Rio Communities at $35 per month. At $4807 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$210	$35
Iowa Farm Bureau	$304	$51
Kemper	$311	$52
USAA	$1124	$189
State Farm	$1808	$304
Farm Bureau	$2201	$374
Progressive	$2810	$473
Nationwide	$3982	$677
Farmers	$4666	$785
Allstate	$4807	$809

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 Rio Communities.

As young drivers face the highest rates in Rio Communities, MetLife offers the cheapest auto insurance rates at $667 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 Rio Communities, Kemper is the cheapest car insurance provider. At $373 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 Rio Communities is State Farm, offering rates of around $3190 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$373	$64
USAA	$942	$157
Progressive	$961	$162
Farmers	$1645	$277
Farm Bureau	$2004	$341
Allstate	$2086	$348
State Farm	$3190	$543

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Car Insurance Rates with An Accident in Rio Communities

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rio Communities

The cheapest car insurance companies after an at-fault accident in Rio Communities include Central Mutual and Central Insurance, offering $143 and $304, respectively. Allstate is an expensive provider with an average six-month premium of $2404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$143	$24
Central Insurance	$304	$51
Encompass	$339	$57
Kemper	$366	$63
Iowa Farm Bureau	$373	$62
USAA	$589	$99
State Farm	$785	$132
Progressive	$860	$145
Farm Bureau	$1875	$312
Farmers	$2201	$370
Nationwide	$2234	$373
Allstate	$2404	$405

Rio Communities Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rio Communities NM. For example, the car insurance in Rio Communities after a DUI increases to $1069 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Rio Communities auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1145	$190
One Med/PIP claim	$1158	$197
Not-at-fault accident	$1191	$198
One comp claim	$1198	$204
Two Med/PIP claims	$1212	$202
Two comp claims	$1246	$212
Failure to show documents	$1260	$210
Failure to wear a seat belt	$1267	$215
Child safety restraint	$1313	$219
Driving without lights	$1313	$223
In 65 MPH zone	$1354	$226
Cell phone violation	$1361	$231
Texting while driving	$1361	$227
At-fault accident - less than $1000	$1368	$233
Driving with expired registration	$1368	$228
Speeding 11 - 15 MPH over limit	$1382	$235
Speeding 16 - 20 MPH over limit	$1382	$230
Speeding 6 - 10 MPH over limit	$1382	$235
Driving too slowly	$1389	$231
Failure to stop at a red light	$1389	$236
Failure to yield	$1389	$231
Following too closely	$1389	$236
Illegal turn	$1389	$231
Improper passing	$1389	$236
Speeding in school zone	$1389	$231
Wrong way/wrong lane	$1389	$236
Passing school bus	$1409	$235
Operating a vehicle without permission	$1428	$243
Speeding 21 - 25 MPH over limit	$1428	$238
Open container	$1591	$270
At-fault accident - $1000-$2000	$1619	$270
At-fault accident - greater than $2000	$1632	$277
Reckless driving	$2119	$353
Driving with a suspended license	$2126	$361
Refusal to submit to a chemical test	$2153	$359
DUI	$2214	$376
Racing	$2262	$377
Leaving scene of an accident/hit and run	$2275	$386

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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 Rio Communities 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 Rio Communities.

The cheapest car insurance premiums in Rio Communities are offered by Kemper at $366 for a six-month policy. However, it can be as expensive as $2437 with companies like Farm Bureau.

Rio Communities car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$62
Central Insurance	$447	$76
Progressive	$799	$135
State Farm	$826	$139
USAA	$928	$156
Farmers	$1354	$228
Nationwide	$1463	$244
Allstate	$1957	$329
Farm Bureau	$2437	$406

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 Rio Communities are offered by Iowa Farm Bureau at $278. However, it can be as expensive as $3664 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rio Communities after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$278	$47
USAA	$548	$91
State Farm	$636	$107
Progressive	$705	$119
Farm Bureau	$1442	$245
Farmers	$2959	$494
Allstate	$3664	$622

Car Insurance Price Trends in Rio Communities, New Mexico

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

The average cost of full coverage in the Rio Communities rose by $220 in December compared to $215 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 Rio Communities rose to $52 in December, compared to $49 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 Rio Communities?

The car insurance in Rio Communities is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Rio Communities?

The cheapest car insurance in Rio Communities is $136 per month for full coverage.

How much is car insurance in Rio Communities for teenagers?

Car insurance for teenagers costs $210 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 Rio Communities?

The average cost of car insurance is $996 for a six-month policy. It will cost around $190 per month to insure your car in Rio Communities.

Is car insurance expensive in Rio Communities?

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

What is the best car insurance in Rio Communities, NM?

The best car insurance company in Rio Communities NM is USAA, offering $806 for a six-month policy.