Belen, NM Auto Insurance (2024)
The average Belen, NM auto insurance rates are $329 per month. The minimum auto insurance in Belen is at least 25/50/10 in coverage to comply with New Mexico auto insurance laws. To find the best cheap auto insurance in Belen, New Mexico, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Belen for teen drivers is Farmers
- The minimum auto insurance required in Belen, New Mexico is 25/50/10
- The average commute length in Belen is 21.3 minutes
Belen, New Mexico auto insurance requirements are 25/50/10 according to New Mexico auto insurance laws. Finding cheap auto insurance in Belen can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Belen, New Mexico, including driving record, credit, commute time, and more.
Compare auto insurance in Belen to other New Mexico cities, including Roswell auto insurance rates, Rio Rancho auto insurance rates, and Clovis auto insurance rates to see how Belen, New Mexico auto insurance rates stack up.
Before you buy Belen, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Belen, New Mexico auto insurance quotes.
Minimum Auto Insurance in Belen, New Mexico
Belen, New Mexico auto insurance laws require that you have at least the New Mexico minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Belen, New Mexico.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Belen, New Mexico Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Belen, New Mexico are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,658 | $2,668 | $2,429 | $2,557 | $8,949 | $10,360 | $2,950 | $3,126 |
| Farmers | $2,856 | $2,853 | $2,554 | $2,725 | $11,643 | $11,999 | $3,200 | $3,299 |
| Geico | $3,195 | $3,283 | $3,007 | $3,007 | $9,224 | $12,627 | $3,363 | $3,383 |
| Nationwide | $2,782 | $2,828 | $2,525 | $2,649 | $6,843 | $8,630 | $3,151 | $3,376 |
| Progressive | $2,002 | $1,953 | $1,795 | $1,812 | $7,969 | $8,979 | $2,436 | $2,526 |
| State Farm | $1,689 | $1,689 | $1,537 | $1,537 | $4,564 | $5,738 | $1,890 | $2,077 |
| USAA | $1,664 | $1,645 | $1,593 | $1,581 | $4,476 | $5,054 | $2,064 | $2,205 |
Cheap Belen, New Mexico Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Belen, New Mexico is a challenge. Take a look at the annual teen auto insurance rates in Belen, New Mexico.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,949 | $10,360 |
| Farmers | $11,643 | $11,999 |
| Geico | $9,224 | $12,627 |
| Nationwide | $6,843 | $8,630 |
| Progressive | $7,969 | $8,979 |
| State Farm | $4,564 | $5,738 |
| USAA | $4,476 | $5,054 |
Cheap Belen, New Mexico Auto Insurance for Seniors
What are senior auto insurance rates in Belen, New Mexico? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,429 | $2,557 |
| Farmers | $2,554 | $2,725 |
| Geico | $3,007 | $3,007 |
| Nationwide | $2,525 | $2,649 |
| Progressive | $1,795 | $1,812 |
| State Farm | $1,537 | $1,537 |
| USAA | $1,593 | $1,581 |
Cheap Belen, New Mexico Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Belen, New Mexico compared to the annual auto insurance rates with a clean record in Belen, New Mexico.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,673 | $4,848 | $5,188 | $4,139 |
| Farmers | $4,351 | $5,595 | $5,464 | $5,155 |
| Geico | $3,031 | $4,859 | $9,625 | $3,031 |
| Nationwide | $3,055 | $4,302 | $5,568 | $3,466 |
| Progressive | $3,190 | $4,337 | $3,434 | $3,775 |
| State Farm | $2,433 | $2,643 | $2,643 | $2,643 |
| USAA | $1,877 | $2,623 | $3,452 | $2,189 |
Cheap Belen, New Mexico Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Belen, New Mexico is not easy. Compare the annual rates for DUI auto insurance in Belen, New Mexico to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,188 |
| Farmers | $5,464 |
| Geico | $9,625 |
| Nationwide | $5,568 |
| Progressive | $3,434 |
| State Farm | $2,643 |
| USAA | $3,452 |
Cheap Belen, New Mexico Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Belen, New Mexico annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,191 | $4,281 | $3,914 |
| Farmers | $5,897 | $4,882 | $4,644 |
| Geico | $5,759 | $5,013 | $4,638 |
| Nationwide | $5,014 | $3,900 | $3,380 |
| Progressive | $4,062 | $3,599 | $3,390 |
| State Farm | $3,691 | $2,277 | $1,803 |
| USAA | $3,168 | $2,376 | $2,062 |
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Cheap Belen, New Mexico Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Belen, New Mexico can vary. Compare the annual cost of auto insurance by ZIP code in Belen, New Mexico to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 87002 | $4,160 |
Cheap Belen, New Mexico Auto Insurance Rates By Commute
Commute length and annual mileage affect Belen, New Mexico auto insurance. Find the cheapest annual Belen, New Mexico auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,462 | $4,462 |
| Farmers | $5,141 | $5,141 |
| Geico | $5,057 | $5,215 |
| Nationwide | $4,098 | $4,098 |
| Progressive | $3,684 | $3,684 |
| State Farm | $2,525 | $2,656 |
| USAA | $2,460 | $2,611 |
Cheap Belen, New Mexico Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Belen, New Mexico? Check out the comparison of annual Belen, New Mexico auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,273 | $4,454 | $4,659 |
| Farmers | $4,661 | $5,087 | $5,675 |
| Geico | $4,774 | $5,124 | $5,512 |
| Nationwide | $4,029 | $4,063 | $4,202 |
| Progressive | $3,514 | $3,684 | $3,854 |
| State Farm | $2,350 | $2,599 | $2,822 |
| USAA | $2,348 | $2,549 | $2,709 |
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Best By Category: Cheapest Auto Insurance in Belen, New Mexico
Compare the cheapest auto insurance companies in Belen, New Mexico in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Belen, New Mexico Auto Insurance Companies
What auto insurance companies in Belen, New Mexico are the cheapest? Compare the top Belen, New Mexico auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,462 |
| Farmers | $5,141 |
| Geico | $5,136 |
| Nationwide | $4,098 |
| Progressive | $3,684 |
| State Farm | $2,590 |
| USAA | $2,535 |
What affects auto insurance rates in Belen, New Mexico?
There are a lot of reasons why auto insurance rates in Belen, New Mexico are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Belen, New Mexico. Many local factors may affect your Belen auto insurance rates.
Belen Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Belen, New Mexico auto theft statistics, there have been 33 auto thefts in the city.
Belen Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Belen, New Mexico commute length is 21.3 minutes according to City-Data.
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Compare Belen, New Mexico Auto Insurance Quotes
Before you buy Belen, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Belen, New Mexico auto insurance quotes.
Frequently Asked Questions
What happens if I let someone else drive my car in Belen, NM?
If you allow someone else to drive your car in Belen, NM, and they get into an accident, your auto insurance policy may provide coverage depending on the circumstances. Typically, auto insurance follows the vehicle, meaning that the primary coverage will come from the insurance policy of the vehicle owner. However, it’s important to review your policy terms and conditions, as well as any exclusions or limitations, to understand the extent of coverage when someone else is driving your car.
Can I add additional drivers to my auto insurance policy in Belen, NM?
Yes, you can typically add additional drivers to your auto insurance policy in Belen, NM. Insurance companies generally allow you to list other household members or regular drivers of your vehicle on the policy. However, it’s important to disclose all relevant information about the additional drivers, including their driving history, to ensure accurate coverage and premium calculations.
Does my auto insurance policy in Belen, NM cover rental cars?
It depends on your specific auto insurance policy. Some policies offer coverage for rental cars, but it may be subject to certain conditions and limitations. Review your policy documents or contact your insurance company to determine if rental car coverage is included. If it’s not included, you may have the option to purchase rental car coverage as an add-on or consider rental car insurance offered by the rental company.
Can I cancel my auto insurance policy in Belen, NM?
Yes, you have the option to cancel your auto insurance policy in Belen, NM. However, it’s important to consider a few things before canceling:
- Review the terms and conditions of your policy to understand any cancellation fees or penalties.
- Ensure that you have a new insurance policy in place before canceling to maintain continuous coverage and comply with legal requirements.
- Notify your insurance company in writing about your intention to cancel and provide the effective date of cancellation.
- If you financed or leased your vehicle, check if there are any insurance requirements from the lender or lessor before canceling the policy.
How can I file an auto insurance claim in Belen, NM?
If you need to file an auto insurance claim in Belen, NM, follow these general steps:
- Contact your insurance company as soon as possible after the accident.
- Provide them with accurate and detailed information about the accident.
- Cooperate fully with the claims adjuster and provide any documentation or evidence they require.
- Follow the instructions provided by your insurance company and keep track of any expenses related to the claim.
- Be aware of any applicable deadlines for filing the claim or submitting supporting documentation.
Can I get auto insurance coverage if I have a poor driving record or previous accidents?
Yes, even if you have a poor driving record or previous accidents, you can still find auto insurance coverage in Belen, NM. However, your premiums may be higher compared to drivers with clean records. It’s important to shop around and compare quotes from different insurance companies to find the best available options for your specific situation.
How can I find affordable auto insurance in Belen, NM?
To find affordable auto insurance in Belen, NM, consider the following tips:
- Shop around and compare quotes from multiple insurance companies to find the best rates.
- Maintain a good driving record and avoid accidents or traffic violations.
- Opt for higher deductibles, which can lower your premium but will require you to pay more out of pocket in the event of a claim.
- Look for discounts, such as multi-policy discounts, good student discounts, or safe driver discounts.
What are the minimum auto insurance requirements in Belen, NM?
In New Mexico, the minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.