Cheapest Car Insurance Quotes in Santa Teresa

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Santa Teresa Car Insurance

^$ 21

/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 Santa Teresa

The car insurance rate in Santa Teresa is $996 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $707, making it a popular choice for budget-conscious drivers. Rates in Santa Teresa 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 Santa Teresa

$996

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in Santa Teresa

1st place: USAA

At $707 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $766 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 $766 for six months, making it the third cheapest auto insurance company in Santa Teresa.

Santa Teresa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Santa Teresa, NM is USAA, offering policies at just $707 for a six-month term. This is followed by Encompass, which has an average six-month premium of $766.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Teresa drivers find the best deals.

Cheap Car Insurance Companies in Santa Teresa, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$707	$119
Encompass	$766	$128
State Farm	$766	$129
Nationwide	$855	$144
Progressive	$903	$152
Central Mutual	$962	$160
Farmers	$1111	$187
Central Insurance	$1200	$200
Farm Bureau	$1206	$205
Allstate	$1402	$236
Kemper	$1087	$181

Key Takeaways

Way's key takeaways about car insurance in Santa Teresa

The auto insurance costs in Santa Teresa fall around $707 for six months.
The cheapest auto insurance company in Santa Teresa is Central Mutual.
Teen drivers pay the highest rate in Santa Teresa at $710 per month.

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Cheapest Minimum Liability Car Insurance in Santa Teresa

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 Santa Teresa are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Santa Teresa. Their Average 6 Month Premium is $125. Allstate is the most expensive at $529 for the same period.

Cheapest Liability Coverage in Santa Teresa, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$125	$21
USAA	$160	$27
Central Insurance	$196	$33
Iowa Farm Bureau	$202	$34
Farm Bureau	$238	$40
Encompass	$244	$41
Progressive	$244	$41
State Farm	$261	$44
Kemper	$350	$60
Farmers	$380	$64
Nationwide	$392	$67
Allstate	$529	$89

Cheapest Full Coverage Car Insurance in Santa Teresa

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 Santa Teresa is USAA at $119 per month and $707 for six months.

Cheapest Full Coverage Car Insurance Quotes in Santa Teresa, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$707	$119
Encompass	$766	$128
State Farm	$766	$129
Nationwide	$855	$144
Progressive	$903	$152
Central Mutual	$962	$160
Farmers	$1111	$187
Central Insurance	$1200	$200
Farm Bureau	$1206	$205
Allstate	$1402	$236
Kemper	$1087	$181

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Average Car Insurance in Santa Teresa 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 Santa Teresa, NM increasing?

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

Car Insurance Premiums by Age in Santa Teresa

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	$585
40s	MetLife	$546
50s	MetLife	$502
60s	MetLife	$477
70s	MetLife	$620

Cheapest Car Insurance Rates for Teen Drivers in Santa Teresa,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Santa Teresa at $31 per month. At $4217 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$184	$31
Iowa Farm Bureau	$267	$45
Kemper	$273	$46
USAA	$986	$166
State Farm	$1586	$267
Farm Bureau	$1931	$328
Progressive	$2465	$415
Nationwide	$3493	$594
Farmers	$4093	$689
Allstate	$4217	$710

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 Santa Teresa.

As young drivers face the highest rates in Santa Teresa, MetLife offers the cheapest auto insurance rates at $585 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 Santa Teresa, Kemper is the cheapest car insurance provider. At $327 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 Santa Teresa is State Farm, offering rates of around $2798 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$327	$56
USAA	$826	$138
Progressive	$843	$142
Farmers	$1443	$243
Farm Bureau	$1758	$299
Allstate	$1830	$305
State Farm	$2798	$476

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Car Insurance Rates with An Accident in Santa Teresa

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

Cheapest Car Insurance Companies after an At-Fault Accident in Santa Teresa

The cheapest car insurance companies after an at-fault accident in Santa Teresa include Central Mutual and Central Insurance, offering $125 and $267, respectively. Allstate is an expensive provider with an average six-month premium of $2109.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$125	$21
Central Insurance	$267	$45
Encompass	$297	$50
Kemper	$321	$55
Iowa Farm Bureau	$327	$54
USAA	$517	$87
State Farm	$689	$116
Progressive	$754	$127
Farm Bureau	$1645	$274
Farmers	$1931	$325
Nationwide	$1960	$327
Allstate	$2109	$355

Santa Teresa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Santa Teresa NM. For example, the car insurance in Santa Teresa after a DUI increases to $938 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Santa Teresa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1004	$167
One Med/PIP claim	$1016	$173
Not-at-fault accident	$1045	$174
One comp claim	$1051	$179
Two Med/PIP claims	$1063	$177
Two comp claims	$1093	$186
Failure to show documents	$1105	$184
Failure to wear a seat belt	$1111	$189
Child safety restraint	$1152	$192
Driving without lights	$1152	$196
In 65 MPH zone	$1188	$198
Cell phone violation	$1194	$203
Texting while driving	$1194	$199
At-fault accident - less than $1000	$1200	$204
Driving with expired registration	$1200	$200
Speeding 11 - 15 MPH over limit	$1212	$206
Speeding 16 - 20 MPH over limit	$1212	$202
Speeding 6 - 10 MPH over limit	$1212	$206
Driving too slowly	$1218	$203
Failure to stop at a red light	$1218	$207
Failure to yield	$1218	$203
Following too closely	$1218	$207
Illegal turn	$1218	$203
Improper passing	$1218	$207
Speeding in school zone	$1218	$203
Wrong way/wrong lane	$1218	$207
Passing school bus	$1236	$206
Operating a vehicle without permission	$1253	$213
Speeding 21 - 25 MPH over limit	$1253	$209
Open container	$1396	$237
At-fault accident - $1000-$2000	$1420	$237
At-fault accident - greater than $2000	$1432	$243
Reckless driving	$1859	$310
Driving with a suspended license	$1865	$317
Refusal to submit to a chemical test	$1889	$315
DUI	$1942	$330
Racing	$1984	$331
Leaving scene of an accident/hit and run	$1996	$339

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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 Santa Teresa 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 Santa Teresa.

The cheapest car insurance premiums in Santa Teresa are offered by Kemper at $321 for a six-month policy. However, it can be as expensive as $2138 with companies like Farm Bureau.

Santa Teresa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$321	$54
Central Insurance	$392	$67
Progressive	$701	$118
State Farm	$725	$122
USAA	$814	$137
Farmers	$1188	$200
Nationwide	$1283	$214
Allstate	$1717	$289
Farm Bureau	$2138	$356

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 Santa Teresa are offered by Iowa Farm Bureau at $244. However, it can be as expensive as $3214 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Santa Teresa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$244	$41
USAA	$481	$80
State Farm	$558	$94
Progressive	$618	$104
Farm Bureau	$1265	$215
Farmers	$2596	$433
Allstate	$3214	$546

Car Insurance Price Trends in Santa Teresa, New Mexico

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

The average cost of full coverage in the Santa Teresa rose by $193 in December compared to $189 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 Santa Teresa rose to $46 in December, compared to $43 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 Santa Teresa?

The car insurance in Santa Teresa is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Santa Teresa?

The cheapest car insurance in Santa Teresa is $119 per month for full coverage.

How much is car insurance in Santa Teresa for teenagers?

Car insurance for teenagers costs $184 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 Santa Teresa?

The average cost of car insurance is $996 for a six-month policy. It will cost around $167 per month to insure your car in Santa Teresa.

Is car insurance expensive in Santa Teresa?

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

What is the best car insurance in Santa Teresa, NM?

The best car insurance company in Santa Teresa NM is USAA, offering $707 for a six-month policy.