Cheapest Car Insurance Quotes in Sausal

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Sausal 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 Sausal

The car insurance rate in Sausal is $1218 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 $827, making it a popular choice for budget-conscious drivers. Rates in Sausal 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 Sausal

$1218

Avg. Car Insurance in New Mexico

$1059

National Average

$1278

Cheapest Car Insurance Companies in Sausal

1st place: USAA

At $827 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $881 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $983 for six months, making it the third cheapest auto insurance company in Sausal.

Sausal Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sausal, NM is USAA, offering policies at just $827 for a six-month term. This is followed by Encompass, which has an average six-month premium of $881.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sausal drivers find the best deals.

Cheap Car Insurance Companies in Sausal, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$827	$139
Encompass	$881	$147
Nationwide	$983	$166
State Farm	$1004	$169
Central Mutual	$1106	$189
Progressive	$1182	$199
Central Insurance	$1380	$235
Farmers	$1408	$237
Allstate	$1612	$271
Farm Bureau	$1763	$293
Kemper	$1250	$208

Key Takeaways

Way's key takeaways about car insurance in Sausal

The auto insurance costs in Sausal fall around $827 for six months.
The cheapest auto insurance company in Sausal is Central Mutual.
Teen drivers pay the highest rate in Sausal at $876 per month.

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Cheapest Minimum Liability Car Insurance in Sausal

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 Sausal are given below.

Central Mutual provides the cheapest minimum car insurance coverage in Sausal. Their Average 6 Month Premium is $144. Allstate is the most expensive at $588 for the same period.

Cheapest Liability Coverage in Sausal, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$144	$24
USAA	$184	$31
Central Insurance	$225	$38
Iowa Farm Bureau	$232	$39
Encompass	$281	$47
State Farm	$321	$54
Farm Bureau	$355	$61
Progressive	$397	$67
Kemper	$402	$69
Nationwide	$451	$75
Farmers	$458	$77
Allstate	$588	$99

Cheapest Full Coverage Car Insurance in Sausal

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 Sausal is USAA at $139 per month and $827 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sausal, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$827	$139
Encompass	$881	$147
Nationwide	$983	$166
State Farm	$1004	$169
Central Mutual	$1106	$189
Progressive	$1182	$199
Central Insurance	$1380	$235
Farmers	$1408	$237
Allstate	$1612	$271
Farm Bureau	$1763	$293
Kemper	$1250	$208

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Average Car Insurance in Sausal 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 Sausal, NM increasing?

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

Car Insurance Premiums by Age in Sausal

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	$673
40s	MetLife	$628
50s	MetLife	$577
60s	MetLife	$549
70s	MetLife	$713

Cheapest Car Insurance Rates for Teen Drivers in Sausal,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the Sausal at $36 per month. At $5205 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$212	$36
Iowa Farm Bureau	$307	$52
Kemper	$314	$53
USAA	$1182	$199
State Farm	$2110	$355
Farm Bureau	$2916	$496
Progressive	$3662	$616
Nationwide	$4017	$683
Allstate	$4850	$816
Farmers	$5205	$876

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 Sausal.

As young drivers face the highest rates in Sausal, MetLife offers the cheapest auto insurance rates at $673 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 Sausal, Kemper is the cheapest car insurance provider. At $376 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 Sausal is State Farm, offering rates of around $4727 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$376	$64
USAA	$1052	$175
Progressive	$1538	$259
Farmers	$1975	$332
Allstate	$2105	$358
Farm Bureau	$2637	$439
State Farm	$4727	$804

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Car Insurance Rates with An Accident in Sausal

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sausal

The cheapest car insurance companies after an at-fault accident in Sausal include Central Mutual and Central Insurance, offering $144 and $307, respectively. Farmers is an expensive provider with an average six-month premium of $2493.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$144	$24
Central Insurance	$307	$52
Encompass	$342	$57
Kemper	$369	$63
Iowa Farm Bureau	$376	$62
USAA	$615	$103
State Farm	$860	$145
Progressive	$1093	$184
Nationwide	$2254	$376
Allstate	$2425	$408
Farm Bureau	$2452	$408
Farmers	$2493	$420

Sausal Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sausal NM. For example, the car insurance in Sausal after a DUI increases to $1078 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Sausal auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1155	$192
One Med/PIP claim	$1168	$199
Not-at-fault accident	$1202	$200
One comp claim	$1209	$206
Two Med/PIP claims	$1222	$204
Two comp claims	$1257	$214
Failure to show documents	$1271	$212
Failure to wear a seat belt	$1278	$217
Child safety restraint	$1325	$221
Driving without lights	$1325	$225
In 65 MPH zone	$1366	$228
Cell phone violation	$1373	$233
Texting while driving	$1373	$229
At-fault accident - less than $1000	$1380	$235
Driving with expired registration	$1380	$230
Speeding 11 - 15 MPH over limit	$1394	$237
Speeding 16 - 20 MPH over limit	$1394	$232
Speeding 6 - 10 MPH over limit	$1394	$237
Driving too slowly	$1401	$233
Failure to stop at a red light	$1401	$238
Failure to yield	$1401	$233
Following too closely	$1401	$238
Illegal turn	$1401	$233
Improper passing	$1401	$238
Speeding in school zone	$1401	$233
Wrong way/wrong lane	$1401	$238
Passing school bus	$1421	$237
Operating a vehicle without permission	$1441	$245
Speeding 21 - 25 MPH over limit	$1441	$240
Open container	$1605	$273
At-fault accident - $1000-$2000	$1633	$273
At-fault accident - greater than $2000	$1647	$279
Reckless driving	$2138	$357
Driving with a suspended license	$2145	$365
Refusal to submit to a chemical test	$2172	$362
DUI	$2233	$379
Racing	$2282	$381
Leaving scene of an accident/hit and run	$2295	$390

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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 Sausal 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 Sausal.

The cheapest car insurance premiums in Sausal are offered by Kemper at $369 for a six-month policy. However, it can be as expensive as $3238 with companies like Farm Bureau.

Sausal car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$369	$62
Central Insurance	$451	$77
USAA	$976	$164
State Farm	$1045	$176
Progressive	$1059	$178
Nationwide	$1475	$251
Farmers	$1538	$259
Allstate	$1975	$332
Farm Bureau	$3238	$539

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 Sausal are offered by Iowa Farm Bureau at $281. However, it can be as expensive as $3374 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sausal after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$281	$47
State Farm	$711	$120
USAA	$711	$121
Progressive	$1346	$227
Farm Bureau	$1899	$323
Allstate	$3374	$562
Farmers	$3374	$574

Car Insurance Price Trends in Sausal, New Mexico

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

The average cost of full coverage in the Sausal rose by $254 in January compared to $222 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Sausal rose to $57 in January, compared to $53 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sausal?

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

What is the cheapest car insurance in Sausal?

The cheapest car insurance in Sausal is $139 per month for full coverage.

How much is car insurance in Sausal for teenagers?

Car insurance for teenagers costs $212 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 Sausal?

The average cost of car insurance is $1059 for a six-month policy. It will cost around $205 per month to insure your car in Sausal.

Is car insurance expensive in Sausal?

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

What is the best car insurance in Sausal, NM?

The best car insurance company in Sausal NM is USAA, offering $827 for a six-month policy.