Best Aztec, New Mexico Auto Insurance in 2024 (Find the Top 10 Companies Here)
The best Aztec, New Mexico auto insurance is offered by Allstate, Travelers, and American Family, starting at $30 per month. These top providers deliver comprehensive coverage and competitive rates for Aztec residents. Discover the key benefits and considerations for securing your ideal insurance policy.
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Jeffrey Manola
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UPDATED: Oct 25, 2024
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UPDATED: Oct 25, 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 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.
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11,413 reviewsCompany Facts
Full Coverage in Aztec NM
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
1,731 reviewsCompany Facts
Full Coverage in Aztec NM
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
2,180 reviewsCompany Facts
Full Coverage in Aztec NM
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviewsThe best Aztec, New Mexico auto insurance can be found with Allstate, Travelers, and American Family, which offer some of the most competitive rates starting at just $30 per month.
These companies provide a range of coverage options tailored to meet the needs of local drivers, considering factors like age, driving history, and vehicle type. Dive deeper into “What is auto insurance?” with our complete resource.
By comparing quotes from these top providers, residents can secure the most affordable and comprehensive auto insurance tailored to their circumstances. Explore your options to find the right coverage that protects you and your vehicle.
Our Top 10 Company Picks: Best Aztec, New Mexico Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 23% | A+ | Local Support | Allstate |
 | #2 | 19% | A++ | Bundling Policies | Travelers |
 | #3 | 12% | A | Claims Service | American Family |
 | #4 | 22% | A++ | Affordable Rates | Geico |
 | #5 | 24% | A | Add-on Coverages | Liberty Mutual |
 | #6 | 15% | A+ | Snapshot® Savings | Progressive |
 | #7 | 14% | B | Local Agents | State Farm |
 | #8 | 20% | A | Weather Coverage | Farmers |
 | #9 | 12% | A++ | Military Benefits | USAA |
 | #10 | 21% | A+ | SmartRide® Savings | Nationwide |
Before buying Aztec, New Mexico auto insurance, ensure you have compared rates from multiple companies. Enter your ZIP code above for free quotes from Aztec, New Mexico auto insurance.
- Allstate, Travelers, and American Family offer the best rates starting at $30/mo
- Compare quotes to find affordable, comprehensive coverage for Aztec, New Mexico
- Coverage options vary based on factors like driving history and vehicle type
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#1 – Allstate: Top Overall Pick
Pros
- Comprehensive Coverage Options: Allstate in Aztec, New Mexico, offers customizable coverage options like liability, collision, and comprehensive. Drivers can customize plans for complete protection.
- Discount Programs: Allstate offers discounts in Aztec, NM, for safe driving, bundling, and multiple vehicles. These can significantly reduce insurance price, as noted in our Allstate auto insurance review.
- User-Friendly Digital Tools: Offers digital tools like a mobile app and online policy management for Aztec, NM residents, enabling easy access to policy info, claims, and payments.
Cons
- Inconsistent Customer Service: This fluctuation may have an impact on policyholders’ overall contentment with Aztec, New Mexico, and may require further care to a favorable experience.
- Complex Policy Options: To select the best coverage, drivers in Aztec, NM might need to speak with an agent and go over their alternatives.
#2 – Travelers: Best for Diverse Coverage Options
Pros
- Diverse Coverage Options: Travelers offers various coverage options, including liability, collision, and add-ons, allowing Aztec, NM drivers to customize their policies for full coverage.
- Competitive Premiums: In Aztec, New Mexico, Travelers offers reasonable premiums and reliable coverage for drivers on a tight budget, according to Travelers auto insurance review.
- User-Friendly Online Tools: Offers digital tools, including an online system and mobile app, allowing Aztec, NM residents to easily access policies, file claims, and manage payments.
Cons
- Mixed Customer Service Reviews: The general level of satisfaction among policyholders in Aztec, New Mexico, may be impacted by how well they handle complicated claims.
- Higher Rates for Some Drivers: Prices may be higher for drivers with high-risk profiles. Aztec, NM residents with a history of infractions or accidents should consider this.
#3 – American Family: Best for Customizable Coverage Options
Pros
- Customizable Coverage Options: American Family offers numerous coverage options and add-ons, allowing Aztec, NM drivers to customize their plans to meet individual needs.
- Discount Opportunities: The insurance offers many discount schemes, including ones for having multiple vehicles, bundling policies, and careful driving. These reductions can result in substantial insurance premium savings in Aztec, New Mexico.
- Digital Tools: Offers digital resources like an online policy management system and a mobile app. Easy access to policy information, filing claims, and payment administration.
Cons
- Claims Handling: This unpredictability may have an effect on policyholder satisfaction in Aztec, New Mexico, and may require further effort to a satisfactory claims experience.
- Complex Coverage Options: Aztec, NM drivers may find American Family’s options overwhelming. They should review choices and consult an agent, as noted in our American Family auto insurance review.
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#4 – Geico: Best for Affordable Premiums
Pros
- Affordable Premiums: Geico is popular in Aztec, NM, for its affordable premiums that keep insurance budget-friendly without sacrificing coverage quality, as noted in our Geico auto insurance review.
- Coverage Options: Geico provides drivers in Aztec, NM with a range of coverage options, like as liability, collision, and add-ons, so they may tailor their coverage to meet their specific needs.
- Discount Opportunities: The insurance provider lowers rates and makes insurance more cheap for Aztec, New Mexico residents by providing discounts for bundling, safe driving, and multiple vehicles.
Cons
- Limited Local Agent Network: In Aztec, New Mexico, Geico has less local agents than other of its rivals. As a result, there might be less chances for in-person contacts and customized care.
- Customer Service Variability: There have been inconsistent practices, with regards to managing claims and settling disputes. This variety may affect the policyholders’ overall satisfaction in Aztec, NM.
#5 – Liberty Mutual: Best for Comprehensive Coverage Options
Pros
- Coverage Options: Provides various coverage options, including liability and collision, enabling Aztec, NM drivers to tailor their policies to fit their needs, as noted in our Liberty Mutual auto insurance review.
- Discount Opportunities: Discounts for safe driving, combining plans, and owning multiple vehicles are provided by the insurance company in Aztec, NM, and they considerably reduce premiums.
- Claims Support: Liberty Mutual is renowned for offering comprehensive claims support, offering guidance at every stage of the claims procedure.
Cons
- Higher Premiums: Certain drivers may have higher premiums with Liberty Mutual than others, including as those with high-risk profiles or a history of moving violations.
- Complex Policy Terms: Offers complex insurance terms and options for coverage. Some drivers in Aztec, NM may find it helpful to carefully weigh their options and consult with an agency.
#6 – Progressive: Best for Adaptable Coverage Choices
Pros
- Adaptable Coverage Choices: Drivers in Aztec, New Mexico can tailor their plans to meet their specific needs thanks to Progressive’s extensive range of coverage options.
- Snapshot Program: Offers discounts for safe driving by tracking behavior through a plug-in device or mobile app. This enables the company to evaluate driving habits and reward safe drivers with savings.
- Flexible Payment: Provides a number of adjustable payment options, including monthly, yearly, and quarterly plans. Drivers in Aztec, NM, can manage insurance costs by choosing a budget-friendly plan.
Cons
- Conflicting Service: There have been mixed reviews of Progressive’s customer service, particularly in regards to how well the company handles complex claims and troubleshoots issues.
- Local Agent: Progressive’s smaller local agent network in Aztec, NM, compared to competitors may limit direct communication and personalized service, as noted in our Progressive auto insurance review.
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#7 – State Farm: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Unique program shields Aztec, NM drivers from premium hikes after their first accident, providing peace of mind and financial relief, according to State Farm auto insurance review.
- Coverage Options: Liability, collision, and comprehensive insurance are just a few coverage choices that State Farm offer. Drivers in Aztec, NM can customize policies to meet their needs.
- Discount Programs: State Farm lets Aztec, NM residents save by bundling auto with home or life insurance, offering convenience and significant discounts for easier policy management.
Cons
- Additional Fees: State Farm may charge extra for certain payment plans, increasing insurance costs. Aztec, NM drivers might find these fees offset potential savings.
- Online Tools: Some rivals provide State Farm with more sophisticated, approachable online resources. In contrast, drivers in Aztec, NM who prefer online use may find State Farm’s options inadequate.
#8 – Farmers: Best for Diverse Coverage Options
Pros
- Coverage Options: Allows residents of Aztec, NM to personalize their policy’ protection with a variety of coverage, such as identity theft and car insurance, as noted in our Farmers auto insurance review.
- Roadside Assistance: In their insurance, Farmers provides comprehensive coverage for roadside assistance in Aztec, NM, which includes help with a range of issues like lockouts, flat tires, and towing.
- 24/7 Claims Service: Providing excellent customer service in Aztec, NM is demonstrated by its round-the-clock claims service, which guarantees that policyholders may get help whenever they need it.
Cons
- Limited Discount: Farmers may offer lower discounts than competitors, impacting overall savings for Aztec, NM residents who might miss out on potential cost reductions.
- Higher Fees: Farmers may charge higher premiums for specialized coverages, like historic car insurance, increasing overall costs for Aztec, NM policyholders and reducing affordability.
#9 – USAA: Best for Exceptional Military Discounts
Pros
- Military Discounts: USAA offers considerable savings and benefits. Residents of Aztec, NM who are in the military community can get access to special coverage options and discounts.
- Coverage Options: Specialty insurance for deployment and missions abroad is among the several coverage choices that USAA provides in Aztec, NM, all tailored to meet the needs of military families.
- Claims Satisfaction: USAA has a reputation for satisfying members and resolving conflicts swiftly. Policyholders in Aztec, New Mexico can be confident that their claims will be handled effectively.
Cons
- Non-Military Policies: Certain drivers in Aztec, NM may be disadvantaged by the higher costs of non-military coverage, such as high-risk or classic auto insurance, as compared to competitors.
- Customer Service: Quality of customer service varies. The help received by citizens of Aztec, New Mexico can differ upon their particular needs and claims, as noted in our USAA auto insurance review.
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#10 – Nationwide: Best for Flexible Coverage Options
Pros
- Flexible Coverage: To address the unique needs of drivers in Aztec, NM, Nationwide provides a range of coverage levels and add-ons, including accident forgiveness and custom equipment coverage.
- Vanishing Deductible: Aztec, NM drivers can save money by lowering their deductible with Nationwide’s disappearing deductible program, which lowers the deductible for each year without an accident.
- Roadside Assistance: Provides round-the-clock roadside help in Aztec, NM for problems including flat wheels and malfunctions., according to Nationwide auto insurance review.
Cons
- Complex Policy: Navigating Nationwide’s extensive coverage options and add-ons can be overwhelming for drivers in Aztec, New Mexico, making it challenging to select the right policy.
- Limited Discounts: Drivers in Aztec, New Mexico may not be able to save as much money with Nationwide as they could with some of its rivals.
Essential Auto Insurance Coverage in Aztec, New Mexico
In Aztec, New Mexico, auto insurance is an essential necessity for all drivers. Minimum liability coverage is required by state legislation to guarantee that drivers can pay for damages in the event of an accident. Explore our detailed analysis on “What does standard auto insurance cover?” for additional information.
Best Aztec, New Mexico Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $35 | $90 |
| $30 | $80 |
| $34 | $92 |
| $33 | $88 |
| $38 | $105 |
| $39 | $108 |
| $40 | $110 |
| $37 | $100 |
| $32 | $85 |
| $36 | $95 |
Liability for property damage and physical harm is included in this. Many insurance companies in Aztec provide extra coverage options, such collision and comprehensive policies, for drivers seeking more complete protection.
These policies can help ease your mind in the event of theft, weather-related damage, or collisions with uninsured drivers. They also cover accidents to your own car.
Auto Insurance Discounts From the Top Providers in Aztec, New Mexico
Insurance Company Available Discounts
Safe Driver, Bundling, Early Signing
KnowYourDrive®, Bundling, Loyalty
Signal® Program, Bundling, Claim-Free
Good Driver, Multi-Vehicle, Defensive Driving
Bundling, New Car, Anti-Theft
SmartRide®, Bundling, Accident-Free
Snapshot®, Bundling, Paperless Billing
Drive Safe & Save™, Bundling
IntelliDrive®, Bundling, Hybrid Vehicle
Military, Safe Driver, Loyalty
Even while having the minimal coverage required by the state is required, many Aztec drivers choose to have more coverage in order to better safeguard their valuables. Personal injury protection (PIP), uninsured motorist protection (UMP), and comprehensive coverage are common add-ons that offer more financial security.
Aztec, New Mexico Auto Insurance Monthly Rates by Coverage Requirements
| 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 |
Your budget, your vehicle’s worth, and your driving habits all play a role in selecting the appropriate insurance coverage. Aztec residents can obtain more cheap and efficient coverage by taking advantage of the discounts that many insurers give for combining policies, driving safely, or insuring several vehicles.
Cheap Aztec Car Insurance by Age, Gender, and Marital Status
Age, gender, and marital status are just a few of the variables that may affect your ability to find affordable auto insurance in Aztec, New Mexico. Due to their perceived increased risk, younger drivers usually pay higher premiums, while more experienced and older drivers frequently receive lower rates.
Aztec, New Mexico Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $701 | $815 | $225 | $238 | $204 | $204 | $188 | $197 |
| $608 | $742 | $201 | $213 | $188 | $192 | $162 | $170 |
| $721 | $737 | $201 | $206 | $179 | $178 | $160 | $171 |
| $635 | $871 | $229 | $228 | $217 | $222 | $204 | $204 |
| $716 | $778 | $212 | $225 | $198 | $202 | $184 | $194 |
| $453 | $569 | $212 | $226 | $188 | $190 | $171 | $179 |
| $525 | $591 | $150 | $154 | $125 | $120 | $114 | $114 |
| $322 | $404 | $136 | $150 | $122 | $122 | $111 | $111 |
| $709 | $897 | $226 | $235 | $207 | $211 | $191 | $197 |
| $355 | $401 | $165 | $176 | $133 | $132 | $127 | $126 |
Pricing may also be influenced by a driver’s gender; in some cases, especially for younger drivers, male drivers may pay greater premiums than female drivers. Get more insights by reading our expert “Companies With the Cheapest Teen Auto Insurance” advice.
Status as a married driver affects rates as well because insurers consider married drivers to be more responsible. Through an awareness of how these variables impact costs, drivers in Aztec can locate reasonably priced insurance that fits their individual needs.
Teen Car Insurance Deals in Aztec, New Mexico
Finding affordable car insurance for teen drivers in Aztec, New Mexico can be challenging, but it’s essential to ensure both safety and financial protection.
Aztec, New Mexico Teen Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| $701 | $815 |
| $608 | $742 |
| $721 | $737 |
| $635 | $871 |
| $716 | $778 |
| $453 | $569 |
| $525 | $591 |
| $322 | $404 |
| $709 | $897 |
| $355 | $401 |
Many insurers offer discounts and specialized plans designed to help parents and young drivers save on premiums. By comparing available deals, families can secure cost-effective coverage tailored to teen driving needs, balancing affordability with reliable protection.
Seniors Car Insurance Deals in Aztec, New Mexico
Seniors in Aztec, New Mexico can find tailored car insurance deals that balance affordability with comprehensive coverage. Many providers offer discounts for older drivers, such as savings for safe driving, low mileage, or bundling policies.
Aztec, New Mexico Senior Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $188 | $197 |
| $162 | $170 |
| $160 | $171 |
| $204 | $204 |
| $184 | $194 |
| $171 | $179 |
| $114 | $114 |
| $111 | $111 |
| $191 | $197 |
| $127 | $126 |
By exploring these deals, seniors can secure the right coverage at competitive rates while addressing their specific needs on the road.
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Auto Insurance Costs in Aztec, New Mexico for Drivers with a Bad Record
Drivers with a bad record in Aztec, New Mexico often face higher auto insurance costs due to the increased risk perceived by insurers. Those with multiple violations or accidents may see significantly elevated premiums compared to their peers with clean records. Continue reading our full “How Auto Insurance Companies Check Driving Records” guide for extra tips.
Aztec, New Mexico Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| $283 | $376 | $321 | $405 |
| $225 | $311 | $283 | $394 |
| $269 | $347 | $321 | $339 |
| $208 | $332 | $208 | $657 |
| $398 | $517 | $475 | $634 |
| $206 | $287 | $232 | $369 |
| $205 | $281 | $241 | $220 |
| $174 | $188 | $188 | $188 |
| $287 | $357 | $355 | $478 |
| $150 | $209 | $174 | $274 |
However, exploring various insurance providers and comparing quotes can help find the most affordable options available, even for those with less-than-ideal driving histories. It’s crucial for drivers in this situation to assess all their choices and seek potential discounts or programs aimed at improving their rates.
Finding Low-Cost Car Insurance in Aztec, New Mexico Post-DUI
The process of looking for reasonably priced auto insurance choices for drivers in Aztec, New Mexico who have a DUI (driving under the influence) conviction on their record is known as “Finding Low-Cost Car Insurance in Aztec, New Mexico Post-DUI”. The higher risk that comes with a DUI usually results in higher insurance rates.
Aztec, New Mexico DUI Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| $405 |
| $416 |
| $339 |
| $657 |
| $462 |
| $369 |
| $220 |
| $188 |
| $445 |
| $274 |
This entails evaluating prices offered by different insurance companies, looking into any discounts or special initiatives accessible to individuals with a DUI, and locating the most affordable policies that nevertheless adhere to all applicable financial and legal standards.
Your credit score has a big impact on how cheap auto insurance is in Aztec, New Mexico. Because credit history is a major factor in insurance rate adjustments, drivers with different credit scores may pay different premiums. Continue reading our full “How Credit Scores Affect Auto Insurance Rates” guide for extra tips.
Aztec, New Mexico Auto Insurance by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $304 | $332 | $403 |
| $203 | $294 | $367 |
| $288 | $303 | $367 |
| $317 | $343 | $393 |
| $355 | $226 | $299 |
| $226 | $260 | $334 |
| $220 | $232 | $259 |
| $129 | $163 | $262 |
| $194 | $128 | $170 |
| $164 | $189 | $252 |
It’s critical to evaluate quotations from several insurers, look into discounts, and comprehend how your credit score affects your insurance rates in order to get the finest coverage at the lowest possible price. You can discover a coverage that fits your budget and financial position by carefully weighing your options.
Aztec, New Mexico Cheap Auto Insurance Quotes by ZIP Code
Locating major differences in prices based on location can be found by examining cheap vehicle insurance quotes in Aztec, New Mexico by ZIP code. The insurance premiums of various ZIP codes in Aztec may vary because of things like population density, crime rates, and traffic patterns in the area.
Through a ZIP code-specific quote comparison, you may determine which local insurance solutions are the most affordable. Based on your exact location, our tailored approach helps guarantee that you receive the best rates for your vehicle insurance needs. For more information, explore our informative “Minimum Auto Insurance Requirements by State” page.
Best Rates for Aztec, NM Auto Insurance According to Commute Distance
The finest auto insurance quotes in Aztec, New Mexico may vary significantly depending on how far you commute. The distance you drive every day has a big impact on insurance costs; longer commutes usually translate into higher rates because of the increased risk and mileage. Expand your understanding with our thorough “What is the average auto insurance cost per month?” overview.
Aztec, New Mexico Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $346 | $346 |
| $332 | $345 |
| $319 | $319 |
| $346 | $356 |
| $350 | $367 |
| $274 | $274 |
| $237 | $237 |
| $180 | $189 |
| $290 | $308 |
| $196 | $208 |
When you compare insurance quotes that fairly reflect the length of your trip, you can find more affordable options that fit your driving style. This process ensures that you get the best value on your auto insurance by accounting for the length of your daily commute.
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Coverage Levels Explained: Cheap Auto Insurance in Aztec, NM
Offers a thorough analysis of how different insurance coverage levels impact the price of auto insurance in Aztec, New Mexico. Read our extensive guide on “Types of Auto Insurance” for more knowledge.
Aztec, New Mexico Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Insurance Accessibility | A | Plenty of options available |
| Safe Driver Discounts | A | Strong discounts for clean records |
| Senior Driver Rates | A- | Lower premiums for seniors |
| Bundling Discounts | B+ | Moderate savings for bundled policies |
| Minimum Coverage Rates | B+ | Competitive, but higher than nearby areas |
| Multi-Vehicle Discounts | B | Available but not very high |
| Overall Affordability | B | Moderately priced compared to state average |
| Full Coverage Rates | C+ | Higher than average, especially for new drivers |
| Teen Driver Rates | C | Notably higher than the national average |
It examines the different kinds of coverage that are available, including liability, collision, and comprehensive, and explains how choosing higher or lower levels of coverage can affect your insurance rates. This guide helps Aztec residents find reasonable rates that provide sufficient protection.
Category Winners: Most Budget-Friendly Auto Insurance in Aztec
Draws attention to the leading insurance companies in Aztec that are providing the best quotes for different coverage categories. This resource assists residents in locating cost-effective solutions that meet their specific needs by breaking down the most cheap options for every coverage category, including comprehensive and liability insurance.
Cheapest Aztec, New Mexico Auto Insurance Providers by Driver Profile
| Driver Profile | Insurance Company |
|---|---|
| Teenagers | |
| Seniors | |
| Clean Record | |
| One1 Accident | |
| One DUI | |
| One Ticket | |
Drivers can make sure they obtain the greatest deal while fulfilling their insurance needs in Aztec by comparing various categories to determine which providers offer the most affordable coverage. Dive deeper into “Compare Cheap Online Auto Insurance Quotes” with our complete resource.
Top Affordable Auto Insurance Providers in Aztec, NM
The top insurance providers with the most competitive prices in the region. Finding affordable insurance solutions is made easier for Aztec locals by this guide, which features companies that offer top-notch coverage alternatives at reasonable costs.
Aztec, New Mexico Auto Accident and Insurance Claims Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 300 |
| Total Claims Per Year | 200 |
| Average Claim Size | $8,000 |
| Percentage of Uninsured Drivers | 20% |
| Vehicle Theft Rate | 15 thefts/year |
| Traffic Density | Low |
| Weather-Related Incidents | Medium |
This overview assists drivers in choosing the most affordable policies without sacrificing necessary coverage by emphasizing affordability, guaranteeing they receive the best value for their auto insurance needs in Aztec. Learn more by visiting our detailed “Car Insurance Quotes: Compare Cheap Coverage” section.
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Factors Influencing Auto Insurance Rates in Aztec, NM
The cost of auto insurance in Aztec, New Mexico can vary significantly compared to other cities due to a range of local factors. Key contributors include the area’s traffic patterns, which can impact accident rates, and the prevalence of vehicle thefts, which may drive up insurance premiums.
Additionally, regional characteristics such as population density, local driving habits, and environmental conditions further influence the cost. Discover our comprehensive guide to “Factors That Affect Auto Insurance Rates” for additional insights.
These factors combined create a unique insurance landscape in Aztec, making it essential for residents to consider local conditions when evaluating their auto insurance options.
Aztec Vehicle Theft
Because motor insurance companies are paying more claims, increased theft translates into higher auto insurance prices. There have been 19 auto thefts in Aztec, New Mexico, according to the FBI’s yearly statistics on the crime.
Aztec Time of Day for Commute
Auto insurance premiums are typically higher in cities where drivers commute for longer periods of time on average. According to City-Data, the commute from Aztec, New Mexico is 24.5 minutes long on average.
Analyze Auto Insurance Quotes in Aztec, NM
Entails thoroughly assessing and contrasting numerous auto insurance quotes from multiple Aztec, New Mexico suppliers. Examining each insurance policy’s coverage options, rates, deductibles, and extra benefits is part of this procedure.
Allstate's competitive rates and extensive coverage options make it a standout choice for drivers in Aztec, New Mexico, ensuring both affordability and protection.Jeff Root Licensed Insurance Agent
People can compare these quotes and choose the coverage that best fits their demands while guaranteeing competitive rates and offers the best value. Get more insights by reading our expert “Where to Compare Auto Insurance Rates” advice.
Before you buy Aztec, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Aztec, New Mexico auto insurance quotes.
Frequently Asked Questions
What is the cheapest car insurance in Aztec, New Mexico?
The age, driving record, type of vehicle, and coverage requirements of the driver all affect how much the cheapest auto insurance in Aztec, New Mexico is. Many drivers find that companies like USAA, Progressive, and Geico offer cheap rates, particularly those who have multiple policies or good driving records.
What car insurance options in Aztec, New Mexico are available?
Aztec drivers can choose from a range of auto insurance plans, including as comprehensive, collision, liability, uninsured/underinsured motorist, medical payments, along with personal injury protection. Whether they desire full protection or just the bare minimum of coverage allowed by the state, drivers can select their coverage according to their own needs.
What is the best car insurance coverage in Aztec, New Mexico?
In Aztec, New Mexico, a combination of liability, collision, and comprehensive insurance usually makes for the finest auto insurance coverage. A full coverage insurance is typically advised for people seeking the highest level of protection, as it offers protection against both collision and non-collision damage (such as theft or natural disasters).
Discover our comprehensive guide to “How to Compare Auto Insurance Quotes” for additional insights.
What is the most reliable car insurance in Aztec, New Mexico?
Reliable car insurance in Aztec, New Mexico is typically offered by companies with strong financial backing, excellent customer service, and efficient claims processes. USAA, State Farm, and Allstate are often considered some of the most reliable providers in the area.
Is there state insurance in Aztec, New Mexico?
State insurance in Aztec, New Mexico refers to the minimum liability coverage required by law. This includes bodily injury liability and property damage liability to cover costs if you’re found responsible for an accident. While this meets legal requirements, drivers may want to consider higher limits or additional coverage for better protection.
What is Aztec, New Mexico’s minimum requirement for auto insurance?
In Aztec, New Mexico, having a minimum of 25/50/10 liability coverage is required for auto insurance. This implies that drivers need to carry a minimum of $10,000 in property damage, $50,000 in bodily injury per accident, and $25,000 in bodily injury coverage per person. In order to avoid having to pay for pricey claims out of pocket, drivers should think about raising the limits.
For further details, check out our in-depth “What are the recommended auto insurance coverage levels?” article.
Can I get auto insurance from out of state in Aztec, New Mexico?
In general, in-state auto insurance is necessary if you live in Aztec, New Mexico. If your automobile is registered in New Mexico, you usually cannot get out-of-state auto insurance, and if you relocate to the state, your policy needs to be updated.
In Aztec, New Mexico, which type of auto insurance is the best?
In Aztec, New Mexico, full coverage auto insurance—which covers liability, collision, and comprehensive coverage—is the best option. With this kind of coverage, drivers are guaranteed protection against a wide range of dangers, such as theft, weather-related damage, and accidents.
Which fundamental kinds of auto insurance are available in Aztec, New Mexico?
The four main categories of auto insurance in Aztec, New Mexico are comprehensive (which covers damage not related to an accident), collision (which covers damage to your own vehicle in an accident), liability (which covers property damage and bodily injury), and uninsured/underinsured motorist coverage.
Learn more by visiting our detailed “Auto Insurance Discounts” section.
Who is the most trusted insurance company in Aztec, New Mexico?
Customer satisfaction, financial stability, and claims management are what make Aztec, New Mexico’s most reputable insurance provider. Businesses such as USAA, Allstate, and State Farm are frequently complimented for their solid market reputation and dependable service.
What is the average monthly car insurance cost in Aztec, New Mexico?
Age, driving history, kind of vehicle, and coverage preferences are some of the variables that may affect the average monthly cost of auto insurance in Aztec, New Mexico, which normally falls between $50 and $100. The cost of insurance may increase for inexperienced or unreliable drivers.
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Does Geico offer car insurance in Aztec, New Mexico?
Yes, Geico car insurance in Aztec, New Mexico is available and offers competitive rates along with various coverage options. Geico is known for providing discounts for safe drivers, multi-car policies, and vehicle safety features, making it a popular choice for budget-conscious drivers.
Dive deeper into “Why does my auto insurance go up every year?” with our complete resource.
What are the recommended types of insurance in Aztec, New Mexico?
In general, liability insurance, collision and comprehensive insurance, uninsured/underinsured motorist protection, and medical payments coverage are the suggested insurance policies in Aztec, New Mexico. To offer protection against all dangers, full coverage is advised for owners of high-value or newer automobiles.
What are the most insured cars in Aztec, New Mexico?
Popular models such as the Ford F-150, Honda Accord, and Toyota Camry are among the most insured vehicles in Aztec, New Mexico. These cars are popular because of their safety features and affordable repair costs, which generally result in competitive insurance premiums.
What does insurance with full coverage mean in Aztec, New Mexico?
Liability, collision, and comprehensive coverage are all included in full coverage insurance in Aztec, New Mexico, providing extensive protection against traffic accidents, theft, vandalism, and natural catastrophe damage. Knowing they are protected against a variety of risks is a comforting thought for drivers who have this kind of coverage.
Read our extensive guide on “Full Coverage Auto Insurance Defined” for more knowledge.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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