Cheapest Car Insurance In Farmington, NM 2025
For budget-conscious drivers in Farmington, State Farm provides minimum coverage at the lowest average monthly rate of $26.
We’ve saved shoppers an average of $600 per year on their car insurance.
Shopping for budget-friendly car insurance in Farmington, NM , means navigating a variety of pricing options.
State Farm offers the most affordable liability-only coverage, State Farm is also the best option for full coverage. Young drivers can also find the lowest rates with State Farm.
Cheapest Car Insurance Companies In Farmington, NM 2025
Cheapest Liability-only Car Insurance In Farmington: State Farm
Farmington drivers pay the least for minimum coverage with State Farm, which averages $26 per month.
Review the table below to see how different insurance companies’ rates stack up.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $26 | $312 |
| GEICO | $32 | $384 |
| Allstate | $50 | $600 |
| USAA | $30 | $360 |
| Progressive | $53 | $636 |
Cheapest Full Coverage Insurance Rates In Farmington: State Farm
For Farmington drivers, State Farm has the lowest rates on full coverage, costing an average of $49 per month.
Compare average auto insurance costs from Farmington’s most budget-friendly providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $49 | $588 |
| GEICO | $60 | $720 |
| Allstate | $93 | $1,116 |
| Farmers | $111 | $1,332 |
| Nationwide | $114 | $1,368 |
Cheapest Car Insurance Rates For Seniors: Safeco
The cheapest car insurance for seniors in Farmington comes from Safeco, with an average premium of $47 per month.
Compare average insurance costs from the most budget-friendly auto insurers for seniors using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $47 | $564 |
| USAA | $70 | $840 |
| Liberty Mutual | $54 | $648 |
| Farm Bureau | $73 | $876 |
| State Farm | $75 | $900 |
Cheapest Rates In Farmington For Teenagers: USAA
The lowest car insurance rates for teens in Farmington come from USAA, with an average premium of $131 per month.
Compare insurance costs for teenage drivers using the table below, which lists the most affordable companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $131 | $1,572 |
| Central Mutual | $165 | $1,980 |
| State Farm | $142 | $1,704 |
| Allied | $280 | $3,360 |
| Farm Bureau | $176 | $2,112 |
Cheapest Auto Insurance For Young Adults in Farmington: State Farm
At $104 per month on average, State Farm provides the cheapest car insurance for young adult drivers in Farmington.
You can find the most cost-effective car insurance options for young adults in Farmington in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $104 | $1,248 |
| Central Mutual | $140 | $1,680 |
| USAA | $107 | $1,284 |
| Allstate | $186 | $2,232 |
| Farm Bureau | $145 | $1,740 |
Cheapest Car Insurance In Farmington For Good Drivers: State Farm
The most cost-effective car insurance option for good drivers in Farmington is State Farm, with rates averaging $26 monthly.
Check out the table below for a breakdown of average insurance quotes from budget-friendly companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $26 | $312 |
| GEICO | $32 | $384 |
| Allstate | $50 | $600 |
| USAA | $30 | $360 |
| Progressive | $53 | $636 |
Find affordable Farmington rates
Cheapest Car Insurance In Farmington After A Speeding Ticket: State Farm
In Farmington, State Farm provides some of the lowest car insurance rates, averaging $77 per month for drivers with a speeding violation.
Drivers with a speeding ticket can check the table below for estimated average insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $925 |
| Central Insurance | $114 | $1,370 |
| USAA | $90 | $1,078 |
| GEICO | $163 | $1,960 |
| Nationwide | $120 | $1,442 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm stands out as the most cost-effective insurer for at-fault drivers, offering an average monthly rate of $80.
Here’s a comparison of the most cost-effective insurance providers for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $960 |
| GEICO | $134 | $1,608 |
| USAA | $105 | $1,258 |
| Central Insurance | $129 | $1,553 |
| Nationwide | $151 | $1,810 |
Cheapest Rates In Farmington For Drivers After A DUI: State Farm
With monthly premiums averaging $84, State Farm is the top low-cost option for Farmington drivers who have a DUI.
If you’ve had a DUI in Farmington, the table below provides a comparison of the cheapest available insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,008 |
| USAA | $142 | $1,698 |
| GEICO | $164 | $1,970 |
| Central Insurance | $166 | $1,990 |
| Nationwide | $188 | $2,258 |
Best Car Insurance Companies In Farmington
The most budget-friendly car insurance in Farmington is available from State Farm for $26 monthly, with USAA and GEICO offering alternatives at $30 and $32.
These are Farmington, NM 10 best-rated car insurance providers, ranked by their standard monthly insurance rates.
| Company | Monthly Premium |
| State Farm | $26 |
| GEICO | $32 |
| Allstate | $50 |
| USAA | $30 |
| Progressive | $53 |
| National General | $47 |
| Nationwide | $61 |
| Farmers | $59 |
| Dairyland | $64 |
| Foremost | $78 |
Average Auto Insurance Rates In Farmington – By Age
Age is a crucial factor in car insurance pricing. Since teenage drivers have limited experience and a higher accident rate, they often pay premiums as high as $2,029 per year.
Insurance costs typically decline when a driver reaches 25, assuming they haven’t had any accidents or violations.
Since age influences insurance pricing, drivers in their 50s and early 60s typically receive the best premiums based on their experience level.
| Age | Average Yearly Rate |
| Teenagers | $2,029 |
| 20s | $1,690 |
| 30s | $1,127 |
| 40s | $1,048 |
| 50s | $1,179 |
| 60s | $813 |
| 70s | $1,233 |
Average Rates In Farmington – By Vehicle
Insurers assess your vehicle’s characteristics—including its year, model, and body type—when determining rates. High-end cars and newer models with costly parts generally have higher premiums.
See how car insurance prices vary by vehicle in Farmington with the table below.
| Vehicle | Average Monthly Rate |
| Chevrolet Silverado | $245 |
| Cadillac Deville | $105 |
| Dodge Journey | $145 |
| Nissan Altima | $146 |
How Much Is Car Insurance In Other Cities in New Mexico?
The area where you live is a crucial factor in setting car insurance costs. Urban environments, where accidents, theft, and vandalism are more frequent, often come with higher rates.
In Española, car insurance averages $190 per month, while in Los Alamos, drivers enjoy lower rates at around $95 per month.
| City | Average Monthly Rate |
| Albuquerque | $150 |
| Los Alamos | $95 |
| Artesia | $130 |
| Hobbs | $135 |
| Carlsbad | $130 |
| Las Cruces | $115 |
| Clovis | $120 |
| Española | $190 |
| Deming | $100 |
| Gallup | $140 |
Average Cost Of Auto Insurance In Farmington – By Zip Code
Insurance providers use zip codes to assess risk factors like crime, which directly impacts your car insurance rates.
Use this table to explore typical car insurance rates for various Farmington zip codes.
| City | Average Monthly Rate |
| 87402 | $132 |
| 87401 | $101 |
| 87499 | $190 |
Find affordable Farmington rates
Our Methodology
By reviewing pricing, policy choices, customer feedback, and online ratings, I’ve crafted a comprehensive breakdown of car insurance options in Farmington, NM.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Farmington?
The most affordable car insurance in Farmington comes from State Farm for minimum coverage and State Farm for full coverage, which includes both comprehensive and collision.
What is the average cost of car insurance in Farmington?
Farmington drivers pay around $110 per month for car insurance on average, but prices fluctuate based on zip code, car specifications, and driving record.
