Cheapest Car Insurance Quotes in White Sands

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White Sands Car Insurance

^$ 20

/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 White Sands

The car insurance rate in White Sands is $946 for a six-month policy, which is $50 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $672, making it a popular choice for budget-conscious drivers. Rates in White Sands 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 White Sands

$946

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in White Sands

1st place: USAA

At $672 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $728 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 $728 for six months, making it the third cheapest auto insurance company in White Sands.

White Sands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Sands, NM is USAA, offering policies at just $672 for a six-month term. This is followed by Encompass, which has an average six-month premium of $728.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1033 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Sands drivers find the best deals.

Cheap Car Insurance Companies in White Sands, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$672	$113
Encompass	$728	$122
State Farm	$728	$123
Nationwide	$812	$137
Progressive	$858	$144
Central Mutual	$914	$152
Farmers	$1055	$178
Central Insurance	$1140	$190
Farm Bureau	$1146	$195
Allstate	$1332	$224
Kemper	$1033	$172

Key Takeaways

Way's key takeaways about car insurance in White Sands

The auto insurance costs in White Sands fall around $672 for six months.
The cheapest auto insurance company in White Sands is Central Mutual.
Teen drivers pay the highest rate in White Sands at $675 per month.

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Cheapest Minimum Liability Car Insurance in White Sands

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 White Sands are given below.

Central Mutual provides the cheapest minimum car insurance coverage in White Sands. Their Average 6 Month Premium is $119. Allstate is the most expensive at $503 for the same period.

Cheapest Liability Coverage in White Sands, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$119	$20
USAA	$152	$26
Central Insurance	$186	$31
Iowa Farm Bureau	$192	$32
Farm Bureau	$226	$38
Encompass	$232	$39
Progressive	$232	$39
State Farm	$248	$42
Kemper	$333	$57
Farmers	$361	$61
Nationwide	$372	$64
Allstate	$503	$85

Cheapest Full Coverage Car Insurance in White Sands

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 White Sands is USAA at $113 per month and $672 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Sands, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$672	$113
Encompass	$728	$122
State Farm	$728	$123
Nationwide	$812	$137
Progressive	$858	$144
Central Mutual	$914	$152
Farmers	$1055	$178
Central Insurance	$1140	$190
Farm Bureau	$1146	$195
Allstate	$1332	$224
Kemper	$1033	$172

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Average Car Insurance in White Sands 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 White Sands, NM increasing?

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

Car Insurance Premiums by Age in White Sands

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	$556
40s	MetLife	$519
50s	MetLife	$477
60s	MetLife	$453
70s	MetLife	$589

Cheapest Car Insurance Rates for Teen Drivers in White Sands,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the White Sands at $29 per month. At $4006 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$175	$29
Iowa Farm Bureau	$254	$43
Kemper	$259	$44
USAA	$937	$158
State Farm	$1507	$254
Farm Bureau	$1834	$312
Progressive	$2342	$394
Nationwide	$3318	$564
Farmers	$3888	$655
Allstate	$4006	$675

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 White Sands.

As young drivers face the highest rates in White Sands, MetLife offers the cheapest auto insurance rates at $556 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 White Sands, Kemper is the cheapest car insurance provider. At $311 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 White Sands is State Farm, offering rates of around $2658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$311	$53
USAA	$785	$131
Progressive	$801	$135
Farmers	$1371	$231
Farm Bureau	$1670	$284
Allstate	$1739	$290
State Farm	$2658	$452

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Car Insurance Rates with An Accident in White Sands

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Sands

The cheapest car insurance companies after an at-fault accident in White Sands include Central Mutual and Central Insurance, offering $119 and $254, respectively. Allstate is an expensive provider with an average six-month premium of $2004.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$119	$20
Central Insurance	$254	$43
Encompass	$282	$48
Kemper	$305	$52
Iowa Farm Bureau	$311	$51
USAA	$491	$83
State Farm	$655	$110
Progressive	$716	$121
Farm Bureau	$1563	$260
Farmers	$1834	$309
Nationwide	$1862	$311
Allstate	$2004	$337

White Sands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Sands NM. For example, the car insurance in White Sands after a DUI increases to $891 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

White Sands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$954	$159
One Med/PIP claim	$965	$164
Not-at-fault accident	$993	$165
One comp claim	$998	$170
Two Med/PIP claims	$1010	$168
Two comp claims	$1038	$177
Failure to show documents	$1050	$175
Failure to wear a seat belt	$1055	$180
Child safety restraint	$1094	$182
Driving without lights	$1094	$186
In 65 MPH zone	$1129	$188
Cell phone violation	$1134	$193
Texting while driving	$1134	$189
At-fault accident - less than $1000	$1140	$194
Driving with expired registration	$1140	$190
Speeding 11 - 15 MPH over limit	$1151	$196
Speeding 16 - 20 MPH over limit	$1151	$192
Speeding 6 - 10 MPH over limit	$1151	$196
Driving too slowly	$1157	$193
Failure to stop at a red light	$1157	$197
Failure to yield	$1157	$193
Following too closely	$1157	$197
Illegal turn	$1157	$193
Improper passing	$1157	$197
Speeding in school zone	$1157	$193
Wrong way/wrong lane	$1157	$197
Passing school bus	$1174	$196
Operating a vehicle without permission	$1190	$202
Speeding 21 - 25 MPH over limit	$1190	$199
Open container	$1326	$225
At-fault accident - $1000-$2000	$1349	$225
At-fault accident - greater than $2000	$1360	$231
Reckless driving	$1766	$295
Driving with a suspended license	$1772	$301
Refusal to submit to a chemical test	$1795	$299
DUI	$1845	$314
Racing	$1885	$314
Leaving scene of an accident/hit and run	$1896	$322

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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 White Sands 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 White Sands.

The cheapest car insurance premiums in White Sands are offered by Kemper at $305 for a six-month policy. However, it can be as expensive as $2031 with companies like Farm Bureau.

White Sands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$305	$51
Central Insurance	$372	$64
Progressive	$666	$112
State Farm	$689	$116
USAA	$773	$130
Farmers	$1129	$190
Nationwide	$1219	$203
Allstate	$1631	$275
Farm Bureau	$2031	$338

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 White Sands are offered by Iowa Farm Bureau at $232. However, it can be as expensive as $3053 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in White Sands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$232	$39
USAA	$457	$76
State Farm	$530	$89
Progressive	$587	$99
Farm Bureau	$1202	$204
Farmers	$2466	$411
Allstate	$3053	$519

Car Insurance Price Trends in White Sands, New Mexico

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

The average cost of full coverage in the White Sands rose by $183 in December compared to $180 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the White Sands rose to $44 in December, compared to $41 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 White Sands?

The car insurance in White Sands is $20 per month, which is lower than the national average.

What is the cheapest car insurance in White Sands?

The cheapest car insurance in White Sands is $113 per month for full coverage.

How much is car insurance in White Sands for teenagers?

Car insurance for teenagers costs $175 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 White Sands?

The average cost of car insurance is $996 for a six-month policy. It will cost around $159 per month to insure your car in White Sands.

Is car insurance expensive in White Sands?

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

What is the best car insurance in White Sands, NM?

The best car insurance company in White Sands NM is USAA, offering $672 for a six-month policy.