Cheapest Car Insurance Quotes in San Rafael

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San Rafael 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 San Rafael

The car insurance rate in San Rafael is $926 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $658, making it a popular choice for budget-conscious drivers. Rates in San Rafael 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 San Rafael

$926

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in San Rafael

1st place: USAA

At $658 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $712 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 $712 for six months, making it the third cheapest auto insurance company in San Rafael.

San Rafael Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Rafael, NM is USAA, offering policies at just $658 for a six-month term. This is followed by Encompass, which has an average six-month premium of $712.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Rafael drivers find the best deals.

Cheap Car Insurance Companies in San Rafael, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$658	$111
Encompass	$712	$119
State Farm	$712	$120
Nationwide	$795	$134
Progressive	$840	$141
Central Mutual	$895	$149
Farmers	$1033	$174
Central Insurance	$1116	$186
Farm Bureau	$1122	$191
Allstate	$1304	$219
Kemper	$1011	$168

Key Takeaways

Way's key takeaways about car insurance in San Rafael

The auto insurance costs in San Rafael fall around $658 for six months.
The cheapest auto insurance company in San Rafael is Central Mutual.
Teen drivers pay the highest rate in San Rafael at $660 per month.

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Cheapest Minimum Liability Car Insurance in San Rafael

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 San Rafael are given below.

Central Mutual provides the cheapest minimum car insurance coverage in San Rafael. Their Average 6 Month Premium is $116. Allstate is the most expensive at $492 for the same period.

Cheapest Liability Coverage in San Rafael, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
USAA	$149	$25
Central Insurance	$182	$31
Iowa Farm Bureau	$188	$32
Farm Bureau	$221	$37
Encompass	$227	$38
Progressive	$227	$38
State Farm	$243	$41
Kemper	$326	$56
Farmers	$353	$60
Nationwide	$365	$62
Allstate	$492	$83

Cheapest Full Coverage Car Insurance in San Rafael

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 San Rafael is USAA at $111 per month and $658 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Rafael, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$658	$111
Encompass	$712	$119
State Farm	$712	$120
Nationwide	$795	$134
Progressive	$840	$141
Central Mutual	$895	$149
Farmers	$1033	$174
Central Insurance	$1116	$186
Farm Bureau	$1122	$191
Allstate	$1304	$219
Kemper	$1011	$168

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Average Car Insurance in San Rafael 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 San Rafael, NM increasing?

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

Car Insurance Premiums by Age in San Rafael

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	$544
40s	MetLife	$508
50s	MetLife	$467
60s	MetLife	$444
70s	MetLife	$577

Cheapest Car Insurance Rates for Teen Drivers in San Rafael,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the San Rafael at $29 per month. At $3922 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$171	$29
Iowa Farm Bureau	$248	$42
Kemper	$254	$43
USAA	$917	$154
State Farm	$1475	$248
Farm Bureau	$1796	$305
Progressive	$2292	$386
Nationwide	$3248	$552
Farmers	$3806	$641
Allstate	$3922	$660

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 San Rafael.

As young drivers face the highest rates in San Rafael, MetLife offers the cheapest auto insurance rates at $544 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 San Rafael, Kemper is the cheapest car insurance provider. At $304 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 San Rafael is State Farm, offering rates of around $2602 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$304	$52
USAA	$768	$128
Progressive	$784	$132
Farmers	$1342	$226
Farm Bureau	$1635	$278
Allstate	$1702	$284
State Farm	$2602	$443

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Car Insurance Rates with An Accident in San Rafael

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

Cheapest Car Insurance Companies after an At-Fault Accident in San Rafael

The cheapest car insurance companies after an at-fault accident in San Rafael include Central Mutual and Central Insurance, offering $116 and $248, respectively. Allstate is an expensive provider with an average six-month premium of $1961.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
Central Insurance	$248	$42
Encompass	$276	$47
Kemper	$299	$51
Iowa Farm Bureau	$304	$50
USAA	$481	$81
State Farm	$641	$108
Progressive	$701	$118
Farm Bureau	$1530	$255
Farmers	$1796	$302
Nationwide	$1823	$304
Allstate	$1961	$330

San Rafael Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Rafael NM. For example, the car insurance in San Rafael after a DUI increases to $872 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

San Rafael auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$934	$155
One Med/PIP claim	$945	$161
Not-at-fault accident	$972	$162
One comp claim	$977	$166
Two Med/PIP claims	$989	$165
Two comp claims	$1016	$173
Failure to show documents	$1028	$171
Failure to wear a seat belt	$1033	$176
Child safety restraint	$1071	$179
Driving without lights	$1071	$182
In 65 MPH zone	$1105	$184
Cell phone violation	$1110	$189
Texting while driving	$1110	$185
At-fault accident - less than $1000	$1116	$190
Driving with expired registration	$1116	$186
Speeding 11 - 15 MPH over limit	$1127	$192
Speeding 16 - 20 MPH over limit	$1127	$188
Speeding 6 - 10 MPH over limit	$1127	$192
Driving too slowly	$1133	$189
Failure to stop at a red light	$1133	$193
Failure to yield	$1133	$189
Following too closely	$1133	$193
Illegal turn	$1133	$189
Improper passing	$1133	$193
Speeding in school zone	$1133	$189
Wrong way/wrong lane	$1133	$193
Passing school bus	$1149	$192
Operating a vehicle without permission	$1165	$198
Speeding 21 - 25 MPH over limit	$1165	$194
Open container	$1298	$220
At-fault accident - $1000-$2000	$1321	$220
At-fault accident - greater than $2000	$1332	$226
Reckless driving	$1729	$288
Driving with a suspended license	$1734	$295
Refusal to submit to a chemical test	$1757	$293
DUI	$1806	$307
Racing	$1845	$308
Leaving scene of an accident/hit and run	$1856	$315

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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 San Rafael 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 San Rafael.

The cheapest car insurance premiums in San Rafael are offered by Kemper at $299 for a six-month policy. However, it can be as expensive as $1988 with companies like Farm Bureau.

San Rafael car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$299	$50
Central Insurance	$365	$62
Progressive	$652	$110
State Farm	$674	$113
USAA	$757	$127
Farmers	$1105	$186
Nationwide	$1193	$199
Allstate	$1597	$269
Farm Bureau	$1988	$331

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 San Rafael are offered by Iowa Farm Bureau at $227. However, it can be as expensive as $2989 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in San Rafael after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$227	$38
USAA	$447	$74
State Farm	$519	$87
Progressive	$575	$97
Farm Bureau	$1176	$200
Farmers	$2414	$403
Allstate	$2989	$508

Car Insurance Price Trends in San Rafael, New Mexico

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

The average cost of full coverage in the San Rafael rose by $179 in December compared to $176 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the San Rafael rose to $43 in December, compared to $40 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 San Rafael?

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

What is the cheapest car insurance in San Rafael?

The cheapest car insurance in San Rafael is $111 per month for full coverage.

How much is car insurance in San Rafael for teenagers?

Car insurance for teenagers costs $171 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 San Rafael?

The average cost of car insurance is $996 for a six-month policy. It will cost around $155 per month to insure your car in San Rafael.

Is car insurance expensive in San Rafael?

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

What is the best car insurance in San Rafael, NM?

The best car insurance company in San Rafael NM is USAA, offering $658 for a six-month policy.