Cheapest Car Insurance Quotes in Sandia Heights

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Sandia Heights 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 Sandia Heights

The car insurance rate in Sandia Heights is $1155 for a six-month policy, which is $159 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $820, making it a popular choice for budget-conscious drivers. Rates in Sandia Heights 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 Sandia Heights

$1155

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Sandia Heights

1st place: USAA

At $820 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $889 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 $889 for six months, making it the third cheapest auto insurance company in Sandia Heights.

Sandia Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sandia Heights, NM is USAA, offering policies at just $820 for a six-month term. This is followed by Encompass, which has an average six-month premium of $889.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sandia Heights drivers find the best deals.

Cheap Car Insurance Companies in Sandia Heights, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$820	$138
Encompass	$889	$148
State Farm	$889	$150
Nationwide	$992	$167
Progressive	$1047	$176
Central Mutual	$1116	$186
Farmers	$1289	$217
Central Insurance	$1392	$232
Farm Bureau	$1399	$238
Allstate	$1626	$274
Kemper	$1261	$210

Key Takeaways

Way's key takeaways about car insurance in Sandia Heights

The auto insurance costs in Sandia Heights fall around $820 for six months.
The cheapest auto insurance company in Sandia Heights is Central Mutual.
Teen drivers pay the highest rate in Sandia Heights at $824 per month.

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Cheapest Minimum Liability Car Insurance in Sandia Heights

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 Sandia Heights are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Sandia Heights. Their Average 6 Month Premium is $145. Allstate is the most expensive at $614 for the same period.

Cheapest Liability Coverage in Sandia Heights, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$145	$24
USAA	$186	$31
Central Insurance	$227	$38
Iowa Farm Bureau	$234	$39
Farm Bureau	$276	$46
Encompass	$283	$48
Progressive	$283	$48
State Farm	$303	$51
Kemper	$406	$70
Farmers	$441	$74
Nationwide	$455	$78
Allstate	$614	$103

Cheapest Full Coverage Car Insurance in Sandia Heights

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 Sandia Heights is USAA at $138 per month and $820 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sandia Heights, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$820	$138
Encompass	$889	$148
State Farm	$889	$150
Nationwide	$992	$167
Progressive	$1047	$176
Central Mutual	$1116	$186
Farmers	$1289	$217
Central Insurance	$1392	$232
Farm Bureau	$1399	$238
Allstate	$1626	$274
Kemper	$1261	$210

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Average Car Insurance in Sandia Heights 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 Sandia Heights, NM increasing?

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

Car Insurance Premiums by Age in Sandia Heights

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	$679
40s	MetLife	$633
50s	MetLife	$582
60s	MetLife	$553
70s	MetLife	$719

Cheapest Car Insurance Rates for Teen Drivers in Sandia Heights,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Sandia Heights at $36 per month. At $4892 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$213	$36
Iowa Farm Bureau	$310	$52
Kemper	$317	$53
USAA	$1144	$193
State Farm	$1840	$310
Farm Bureau	$2240	$380
Progressive	$2859	$481
Nationwide	$4052	$689
Farmers	$4748	$799
Allstate	$4892	$824

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 Sandia Heights.

As young drivers face the highest rates in Sandia Heights, MetLife offers the cheapest auto insurance rates at $679 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 Sandia Heights, Kemper is the cheapest car insurance provider. At $379 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 Sandia Heights is State Farm, offering rates of around $3246 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$379	$65
USAA	$958	$160
Progressive	$978	$165
Farmers	$1674	$282
Farm Bureau	$2039	$347
Allstate	$2123	$354
State Farm	$3246	$552

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Car Insurance Rates with An Accident in Sandia Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sandia Heights

The cheapest car insurance companies after an at-fault accident in Sandia Heights include Central Mutual and Central Insurance, offering $145 and $310, respectively. Allstate is an expensive provider with an average six-month premium of $2446.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$145	$24
Central Insurance	$310	$52
Encompass	$345	$58
Kemper	$372	$64
Iowa Farm Bureau	$379	$63
USAA	$600	$101
State Farm	$799	$135
Progressive	$875	$147
Farm Bureau	$1908	$318
Farmers	$2240	$377
Nationwide	$2274	$379
Allstate	$2446	$412

Sandia Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sandia Heights NM. For example, the car insurance in Sandia Heights after a DUI increases to $1088 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Sandia Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1165	$194
One Med/PIP claim	$1179	$201
Not-at-fault accident	$1212	$202
One comp claim	$1219	$208
Two Med/PIP claims	$1233	$205
Two comp claims	$1268	$216
Failure to show documents	$1282	$213
Failure to wear a seat belt	$1289	$219
Child safety restraint	$1336	$223
Driving without lights	$1336	$227
In 65 MPH zone	$1378	$230
Cell phone violation	$1385	$235
Texting while driving	$1385	$231
At-fault accident - less than $1000	$1392	$237
Driving with expired registration	$1392	$232
Speeding 11 - 15 MPH over limit	$1406	$239
Speeding 16 - 20 MPH over limit	$1406	$234
Speeding 6 - 10 MPH over limit	$1406	$239
Driving too slowly	$1413	$235
Failure to stop at a red light	$1413	$240
Failure to yield	$1413	$235
Following too closely	$1413	$240
Illegal turn	$1413	$235
Improper passing	$1413	$240
Speeding in school zone	$1413	$235
Wrong way/wrong lane	$1413	$240
Passing school bus	$1434	$239
Operating a vehicle without permission	$1453	$247
Speeding 21 - 25 MPH over limit	$1453	$242
Open container	$1619	$275
At-fault accident - $1000-$2000	$1647	$275
At-fault accident - greater than $2000	$1661	$282
Reckless driving	$2156	$360
Driving with a suspended license	$2163	$368
Refusal to submit to a chemical test	$2191	$365
DUI	$2253	$383
Racing	$2301	$384
Leaving scene of an accident/hit and run	$2315	$393

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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 Sandia Heights 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 Sandia Heights.

The cheapest car insurance premiums in Sandia Heights are offered by Kemper at $372 for a six-month policy. However, it can be as expensive as $2480 with companies like Farm Bureau.

Sandia Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$63
Central Insurance	$455	$78
Progressive	$813	$137
State Farm	$841	$142
USAA	$944	$159
Farmers	$1378	$232
Nationwide	$1488	$248
Allstate	$1992	$335
Farm Bureau	$2480	$413

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 Sandia Heights are offered by Iowa Farm Bureau at $283. However, it can be as expensive as $3728 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sandia Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$283	$48
USAA	$558	$93
State Farm	$647	$109
Progressive	$717	$121
Farm Bureau	$1467	$249
Farmers	$3011	$502
Allstate	$3728	$633

Car Insurance Price Trends in Sandia Heights, New Mexico

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

The average cost of full coverage in the Sandia Heights rose by $224 in December compared to $219 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 Sandia Heights rose to $53 in December, compared to $50 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 Sandia Heights?

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

What is the cheapest car insurance in Sandia Heights?

The cheapest car insurance in Sandia Heights is $138 per month for full coverage.

How much is car insurance in Sandia Heights for teenagers?

Car insurance for teenagers costs $213 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 Sandia Heights?

The average cost of car insurance is $996 for a six-month policy. It will cost around $194 per month to insure your car in Sandia Heights.

Is car insurance expensive in Sandia Heights?

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

What is the best car insurance in Sandia Heights, NM?

The best car insurance company in Sandia Heights NM is USAA, offering $820 for a six-month policy.