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Finding the cheapest car insurance quotes in Trementina 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 Trementina
The car insurance rate in Trementina is $1036 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $735, making it a popular choice for budget-conscious drivers. Rates in Trementina 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 $735 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $797 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 $797
for six months, making it
the third cheapest auto insurance company in Trementina.
Trementina Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Trementina, NM is USAA, offering policies at just $735 for a six-month term. This is followed by Encompass, which has an average six-month premium of $797.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Trementina drivers find the best deals.
Way's key takeaways about car insurance in Trementina
The auto insurance costs in Trementina fall around $735 for six
months.
The cheapest auto insurance company in Trementina is Central Mutual.
Teen drivers pay the highest rate in Trementina at $738 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 Trementina
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 Trementina are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in Trementina. Their Average 6 Month Premium is $130.
Allstate is the most
expensive at $550 for the same
period.
Cheapest Full Coverage Car Insurance in Trementina
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 Trementina is USAA
at $124 per month and $735
for six months.
Cheapest Full Coverage Car Insurance Quotes in Trementina,
NM
Get Your Car Insurance Quote in Trementina
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Average Car Insurance in Trementina 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 Trementina, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in Trementina, 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, Trementina's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Trementina
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
$608
40s
MetLife
$568
50s
MetLife
$522
60s
MetLife
$496
70s
MetLife
$645
Cheapest Car Insurance Rates for Teen Drivers in
Trementina,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the Trementina at $32
per
month. At $4386 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 Trementina.
As young drivers face the highest rates in Trementina, MetLife
offers the cheapest auto insurance rates at $608 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 Trementina,
Kemper is
the cheapest car insurance provider. At $340 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
Trementina is State Farm, offering
rates of around $2910 for six
months.
Save up to $971/yr on car insurance rates in Trementina.
Car Insurance Rates with An Accident in Trementina
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 Trementina, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Trementina
The cheapest car insurance companies after an at-fault accident in
Trementina include Central Mutual
and Central Insurance, offering $130
and $278,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2193.
Here is a list of driving violations that can increase your car
insurance rates in Trementina NM. For example, the car
insurance in Trementina
after a DUI increases to $976 for a six
month policy. While the rate increases by $216 for a six-month policy in the case of
a speeding ticket.
Trementina auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1044
$174
One Med/PIP claim
$1057
$180
Not-at-fault accident
$1087
$181
One comp claim
$1093
$186
Two Med/PIP claims
$1106
$184
Two comp claims
$1137
$193
Failure to show documents
$1149
$191
Failure to wear a seat belt
$1155
$197
Child safety restraint
$1198
$200
Driving without lights
$1198
$204
In 65 MPH zone
$1236
$206
Cell phone violation
$1242
$211
Texting while driving
$1242
$207
At-fault accident - less than $1000
$1248
$212
Driving with expired registration
$1248
$208
Speeding 11 - 15 MPH over limit
$1260
$214
Speeding 16 - 20 MPH over limit
$1260
$210
Speeding 6 - 10 MPH over limit
$1260
$214
Driving too slowly
$1267
$211
Failure to stop at a red light
$1267
$215
Failure to yield
$1267
$211
Following too closely
$1267
$215
Illegal turn
$1267
$211
Improper passing
$1267
$215
Speeding in school zone
$1267
$211
Wrong way/wrong lane
$1267
$215
Passing school bus
$1285
$214
Operating a vehicle without permission
$1303
$222
Speeding 21 - 25 MPH over limit
$1303
$217
Open container
$1452
$246
At-fault accident - $1000-$2000
$1477
$246
At-fault accident - greater than $2000
$1489
$253
Reckless driving
$1933
$322
Driving with a suspended license
$1940
$330
Refusal to submit to a chemical test
$1965
$328
DUI
$2020
$343
Racing
$2063
$344
Leaving scene of an accident/hit and run
$2076
$353
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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 Trementina 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 Trementina.
The cheapest car insurance premiums in
Trementina are
offered by Kemper at $334 for a six-month policy.
However, it can be as
expensive as $2224 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 Trementina are offered by Iowa Farm Bureau
at $254. However,
it can be as expensive as $3343
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Trementina after Speeding ticket
Car Insurance Price Trends in Trementina,
New Mexico
Car insurance rates in Trementina have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Trementina rose by
$201 in December
compared to $197 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 Trementina rose to $48 in December,
compared to $45 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Trementina by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Trementina. At $N/A for a
six-month policy, insuring
your car at N/A 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 Trementina?
The car insurance in Trementina is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Trementina?
The cheapest car insurance in Trementina
is $124 per month
for full coverage.
How much is car insurance in Trementina for teenagers?
Car insurance for teenagers costs $191 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
Trementina?
The average cost of car insurance is $996 for a six-month
policy. It will cost around $174 per month to insure your
car in Trementina.
Is car insurance expensive in Trementina?
Car insurance can be expensive in Trementina if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Trementina can be
affordable.
What is the best car insurance in Trementina,
NM?
The best car insurance company in Trementina
NM is
USAA, offering $735 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Trementina, NM
Car Insurance Rates by State in the USA (2025 Update)
Trementina Car Insurance
