Affordable Car Insurance Rates in Raton, NM (2024)
Car insurance rates in Raton, NM are $285/month on average. By law, New Mexico drivers need to carry at least 25/50/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Raton car insurance companies to get the coverage you need at the best rates available.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 annual number of car thefts in Raton is 14.
- Average car insurance rates in Raton, NM for senior drivers are $1,957/year
- Average car insurance rates in Raton, NM are $285/month
Average car insurance rates in Raton, New Mexico are $285 a month. But with a little research you can get a great deal from the top car insurance companies in Raton, NM. Before you buy Raton, New Mexico car insurance, make sure your coverage meets or exceeds the New Mexico minimum of 25/50/10.
It may even be helpful to compare Raton car insurance rates with Santa Fe car insurance rates, Roswell car insurance rates, or Carlsbad car insurance rates to make sure you’re getting the best Raton, NM car insurance quotes available.
Need affordable Raton, NM car insurance? Enter your ZIP code to compare Raton car insurance quotes from multiple car insurance companies near you.
Raton, NM Minimum Car Insurance Coverage
Raton, New Mexico law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.
| 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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Raton, NM Car Insurance Rates by Coverage Level
Some Raton drivers can get by with the New Mexico minimum coverage of 25/50/10. Other drivers may need more. See how much your Raton, New Mexico car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,174 | $4,326 | $4,499 |
| Farmers | $3,813 | $4,121 | $4,532 |
| Geico | $3,990 | $4,256 | $4,552 |
| Nationwide | $3,799 | $3,746 | $3,819 |
| Progressive | $2,774 | $2,901 | $3,034 |
| State Farm | $2,153 | $2,348 | $2,523 |
| USAA | $1,995 | $2,146 | $2,271 |
Raton, NM Car Insurance Rates by Age, Gender, and Marital Status
Raton, New Mexico car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Raton, NM car insurance, get quotes from multiple car insurance companies in the Raton area and see how these criteria affect your rates.
| 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 | $2,604 | $2,625 | $2,371 | $2,495 | $8,603 | $9,962 | $2,905 | $3,099 |
| Farmers | $2,324 | $2,315 | $2,081 | $2,214 | $9,353 | $9,619 | $2,621 | $2,716 |
| Geico | $2,666 | $2,742 | $2,511 | $2,511 | $7,583 | $10,447 | $2,811 | $2,858 |
| Nationwide | $2,586 | $2,638 | $2,338 | $2,465 | $6,271 | $7,955 | $2,917 | $3,135 |
| Progressive | $1,595 | $1,557 | $1,435 | $1,448 | $6,236 | $7,020 | $1,931 | $2,003 |
| State Farm | $1,549 | $1,549 | $1,392 | $1,392 | $4,070 | $5,135 | $1,732 | $1,911 |
| USAA | $1,445 | $1,444 | $1,372 | $1,376 | $3,641 | $4,122 | $1,781 | $1,915 |
Raton, NM Car Insurance Rates for Teens
How much is Raton, New Mexico car insurance for teens? Compare rates from top Raton car insurance companies below to help find the cheapest teen car insurance in Raton, NM.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,603 | $9,962 |
| Farmers | $9,353 | $9,619 |
| Geico | $7,583 | $10,447 |
| Nationwide | $6,271 | $7,955 |
| Progressive | $6,236 | $7,020 |
| State Farm | $4,070 | $5,135 |
| USAA | $3,641 | $4,122 |
Raton, NM Car Insurance Rates for Seniors
Before seniors buy Raton, New Mexico car insurance, they should make sure to shop around. Some Raton, NM car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,371 | $2,495 |
| Farmers | $2,081 | $2,214 |
| Geico | $2,511 | $2,511 |
| Nationwide | $2,338 | $2,465 |
| Progressive | $1,435 | $1,448 |
| State Farm | $1,392 | $1,392 |
| USAA | $1,372 | $1,376 |
Raton, NM Car Insurance Rates by Credit History
How does your credit history affect Raton, NM car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,043 | $4,153 | $3,803 |
| Farmers | $4,767 | $3,946 | $3,753 |
| Geico | $4,787 | $4,162 | $3,849 |
| Nationwide | $4,644 | $3,597 | $3,123 |
| Progressive | $3,201 | $2,836 | $2,672 |
| State Farm | $3,348 | $2,055 | $1,621 |
| USAA | $2,680 | $2,000 | $1,731 |
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Raton, NM Car Insurance Rates by Driver History
How does a single speeding ticket affect your Raton, New Mexico car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Raton.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,576 | $4,691 | $5,039 | $4,026 |
| Farmers | $3,510 | $4,518 | $4,411 | $4,183 |
| Geico | $2,511 | $4,034 | $8,009 | $2,511 |
| Nationwide | $2,805 | $3,976 | $5,178 | $3,193 |
| Progressive | $2,519 | $3,410 | $2,711 | $2,973 |
| State Farm | $2,206 | $2,386 | $2,386 | $2,386 |
| USAA | $1,594 | $2,204 | $2,897 | $1,854 |
Raton, NM Car Insurance Rates With a DUI
Even a single DUI can increase your Raton, NM car insurance rates. Compare rates below to see which Raton car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,039 |
| Farmers | $4,411 |
| Geico | $8,009 |
| Nationwide | $5,178 |
| Progressive | $2,711 |
| State Farm | $2,386 |
| USAA | $2,897 |
Raton, NM Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Raton, NM car insurance rates may be. Let’s take a look at average car insurance rates from top Raton companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,333 | $4,333 |
| Farmers | $4,155 | $4,155 |
| Geico | $4,201 | $4,331 |
| Nationwide | $3,788 | $3,788 |
| Progressive | $2,903 | $2,903 |
| State Farm | $2,283 | $2,400 |
| USAA | $2,073 | $2,201 |
Raton, NM Cheapest Car Insurance Rates
How do the top Raton, New Mexico car insurance companies’ average rates stack up against the Raton average monthly car insurance rates of $285? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Raton, NM Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Raton, New Mexico car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,333 |
| Farmers | $4,155 |
| Geico | $4,266 |
| Nationwide | $3,788 |
| Progressive | $2,903 |
| State Farm | $2,341 |
| USAA | $2,137 |
Other Factors Affecting Raton, NM Car Insurance Rates
Before you buy Raton, New Mexico car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Raton, NM Car Theft Rates
The car theft rate in Raton, NM will affect your car insurance rates. FBI data shows that the annual car theft rate for Raton, New Mexico is 14 stolen cars.
Raton, NM Commute Time
How does your Raton, NM commute time compare with the average driver? In Raton, the average commute is 13.1 minutes.
Raton, NM Car Insurance Quotes
Compare Raton, NM car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.