We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Sapello shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Sapello
The car insurance rate in Sapello is $1006 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $714, making it a popular choice for budget-conscious drivers. Rates in Sapello 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.
At $714 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $774 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 $774
for six months, making it
the third cheapest auto insurance company in Sapello.
Sapello Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sapello, NM is USAA, offering policies at just $714 for a six-month term. This is followed by Encompass, which has an average six-month premium of $774.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1098 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sapello drivers find the best deals.
Way's key takeaways about car insurance in Sapello
The auto insurance costs in Sapello fall around $714 for six
months.
The cheapest auto insurance company in Sapello is Central Mutual.
Teen drivers pay the highest rate in Sapello at $717 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Sapello
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 Sapello are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in Sapello. Their Average 6 Month Premium is $126.
Allstate is the most
expensive at $534 for the same
period.
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 Sapello is USAA
at $120 per month and $714
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sapello,
NM
Get Your Car Insurance Quote in Sapello
Instantly!
Average Car Insurance in Sapello 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 Sapello, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sapello, 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, Sapello's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sapello
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
$591
40s
MetLife
$551
50s
MetLife
$507
60s
MetLife
$482
70s
MetLife
$626
Cheapest Car Insurance Rates for Teen Drivers in
Sapello,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the Sapello at $31
per
month. At $4259 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties MetLife is
the best choice for car
insurance in Sapello.
As young drivers face the highest rates in Sapello, MetLife
offers the cheapest auto insurance rates at $591 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 Sapello,
Kemper is
the cheapest car insurance provider. At $330 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
Sapello is State Farm, offering
rates of around $2826 for six
months.
Save up to $971/yr on car insurance rates in Sapello.
Car Insurance Rates with An Accident in Sapello
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 Sapello, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sapello
The cheapest car insurance companies after an at-fault accident in
Sapello include Central Mutual
and Central Insurance, offering $126
and $270,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2130.
Here is a list of driving violations that can increase your car
insurance rates in Sapello NM. For example, the car
insurance in Sapello
after a DUI increases to $947 for a six
month policy. While the rate increases by $210 for a six-month policy in the case of
a speeding ticket.
Sapello auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1014
$169
One Med/PIP claim
$1026
$175
Not-at-fault accident
$1055
$176
One comp claim
$1062
$181
Two Med/PIP claims
$1074
$179
Two comp claims
$1104
$188
Failure to show documents
$1116
$186
Failure to wear a seat belt
$1122
$191
Child safety restraint
$1164
$194
Driving without lights
$1164
$198
In 65 MPH zone
$1200
$200
Cell phone violation
$1206
$205
Texting while driving
$1206
$201
At-fault accident - less than $1000
$1212
$206
Driving with expired registration
$1212
$202
Speeding 11 - 15 MPH over limit
$1224
$208
Speeding 16 - 20 MPH over limit
$1224
$204
Speeding 6 - 10 MPH over limit
$1224
$208
Driving too slowly
$1230
$205
Failure to stop at a red light
$1230
$209
Failure to yield
$1230
$205
Following too closely
$1230
$209
Illegal turn
$1230
$205
Improper passing
$1230
$209
Speeding in school zone
$1230
$205
Wrong way/wrong lane
$1230
$209
Passing school bus
$1248
$208
Operating a vehicle without permission
$1266
$215
Speeding 21 - 25 MPH over limit
$1266
$211
Open container
$1410
$239
At-fault accident - $1000-$2000
$1434
$239
At-fault accident - greater than $2000
$1446
$245
Reckless driving
$1878
$313
Driving with a suspended license
$1884
$320
Refusal to submit to a chemical test
$1908
$318
DUI
$1961
$333
Racing
$2004
$334
Leaving scene of an accident/hit and run
$2016
$342
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Sapello 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 Sapello.
The cheapest car insurance premiums in
Sapello are
offered by Kemper at $324 for a six-month policy.
However, it can be as
expensive as $2159 with companies
like Farm Bureau.
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 Sapello are offered by Iowa Farm Bureau
at $246. However,
it can be as expensive as $3246
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Sapello after Speeding ticket
Car insurance rates in Sapello have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sapello rose by
$195 in December
compared to $191 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 Sapello rose to $46 in December,
compared to $43 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sapello. At $2011 for a
six-month policy, insuring
your car at 87745 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Sapello?
The car insurance in Sapello is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Sapello?
The cheapest car insurance in Sapello
is $120 per month
for full coverage.
How much is car insurance in Sapello for teenagers?
Car insurance for teenagers costs $186 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
Sapello?
The average cost of car insurance is $996 for a six-month
policy. It will cost around $169 per month to insure your
car in Sapello.
Is car insurance expensive in Sapello?
Car insurance can be expensive in Sapello if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sapello can be
affordable.
What is the best car insurance in Sapello,
NM?
The best car insurance company in Sapello
NM is
USAA, offering $714 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Sapello right now.
Find Car Insurance Rates in Cities Near Sapello, NM
Car Insurance Rates by State in the USA (2025 Update)
Sapello Car Insurance
