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Finding the cheapest car insurance quotes in Tinnie 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 Tinnie
The car insurance rate in Tinnie is $1080 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $733, making it a popular choice for budget-conscious drivers. Rates in Tinnie 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 $733 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $781 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $872
for six months, making it
the third cheapest auto insurance company in Tinnie.
Tinnie Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Tinnie, NM is USAA, offering policies at just $733 for a six-month term. This is followed by Encompass, which has an average six-month premium of $781.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1109 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tinnie drivers find the best deals.
The auto insurance costs in Tinnie fall around $733 for six
months.
The cheapest auto insurance company in Tinnie is Central Mutual.
Teen drivers pay the highest rate in Tinnie at $777 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 Tinnie
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 Tinnie are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in Tinnie. Their Average 6 Month Premium is $128.
Allstate is the most
expensive at $521 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 Tinnie is USAA
at $123 per month and $733
for six months.
Cheapest Full Coverage Car Insurance Quotes in Tinnie,
NM
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 Tinnie, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in Tinnie, 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, Tinnie's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Tinnie
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
$597
40s
MetLife
$557
50s
MetLife
$512
60s
MetLife
$487
70s
MetLife
$632
Cheapest Car Insurance Rates for Teen Drivers in
Tinnie,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the Tinnie at $32
per
month. At $4617 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties MetLife is
the best choice for car
insurance in Tinnie.
As young drivers face the highest rates in Tinnie, MetLife
offers the cheapest auto insurance rates at $597 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 Tinnie,
Kemper is
the cheapest car insurance provider. At $334 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
Tinnie is State Farm, offering
rates of around $4192 for six
months.
Save up to $971/yr on car insurance rates in Tinnie.
Car Insurance Rates with An Accident in Tinnie
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 Tinnie, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Tinnie
The cheapest car insurance companies after an at-fault accident in
Tinnie include Central Mutual
and Central Insurance, offering $128
and $272,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2211.
Here is a list of driving violations that can increase your car
insurance rates in Tinnie NM. For example, the car
insurance in Tinnie
after a DUI increases to $957 for a six
month policy. While the rate increases by $212 for a six-month policy in the case of
a speeding ticket.
Tinnie auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1024
$170
One Med/PIP claim
$1036
$176
Not-at-fault accident
$1066
$177
One comp claim
$1072
$183
Two Med/PIP claims
$1084
$181
Two comp claims
$1115
$190
Failure to show documents
$1127
$188
Failure to wear a seat belt
$1133
$193
Child safety restraint
$1175
$196
Driving without lights
$1175
$200
In 65 MPH zone
$1212
$202
Cell phone violation
$1218
$207
Texting while driving
$1218
$203
At-fault accident - less than $1000
$1224
$208
Driving with expired registration
$1224
$204
Speeding 11 - 15 MPH over limit
$1236
$210
Speeding 16 - 20 MPH over limit
$1236
$206
Speeding 6 - 10 MPH over limit
$1236
$210
Driving too slowly
$1242
$207
Failure to stop at a red light
$1242
$211
Failure to yield
$1242
$207
Following too closely
$1242
$211
Illegal turn
$1242
$207
Improper passing
$1242
$211
Speeding in school zone
$1242
$207
Wrong way/wrong lane
$1242
$211
Passing school bus
$1261
$210
Operating a vehicle without permission
$1278
$217
Speeding 21 - 25 MPH over limit
$1278
$213
Open container
$1424
$242
At-fault accident - $1000-$2000
$1448
$242
At-fault accident - greater than $2000
$1461
$248
Reckless driving
$1896
$316
Driving with a suspended license
$1902
$323
Refusal to submit to a chemical test
$1927
$321
DUI
$1981
$337
Racing
$2024
$338
Leaving scene of an accident/hit and run
$2036
$346
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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 Tinnie 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 Tinnie.
The cheapest car insurance premiums in
Tinnie are
offered by Kemper at $327 for a six-month policy.
However, it can be as
expensive as $2872 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 Tinnie are offered by Iowa Farm Bureau
at $249. However,
it can be as expensive as $2993
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Tinnie after Speeding ticket
Car insurance rates in Tinnie have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tinnie rose by
$225 in January
compared to $197 of December. In other words, there has been an increase by $28 when you
compare January and December.
The average cost of liability insurance in the Tinnie rose to $51 in January,
compared to $47 in December.
This represents an increase of $4
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Tinnie. At $2160 for a
six-month policy, insuring
your car at 88351 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Tinnie?
The car insurance in Tinnie is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Tinnie?
The cheapest car insurance in Tinnie
is $123 per month
for full coverage.
How much is car insurance in Tinnie for teenagers?
Car insurance for teenagers costs $188 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
Tinnie?
The average cost of car insurance is $1059 for a six-month
policy. It will cost around $182 per month to insure your
car in Tinnie.
Is car insurance expensive in Tinnie?
Car insurance can be expensive in Tinnie if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Tinnie can be
affordable.
What is the best car insurance in Tinnie,
NM?
The best car insurance company in Tinnie
NM is
USAA, offering $733 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Tinnie Car Insurance
