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Charlie Hope D’Anieri is an insurance writer who has been working with Compare.com since 2025. An experienced writer, researcher, and journalist, Charlie’s work has appeared across several well-known publications, including The Guardian, Insurify, The New Republic, and more.
Charlie has earned a bachelor's degree from Middlebury College, as well as a Master of Arts in English Language and Literature from the University of Maryland.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Albuquerque is the largest city in New Mexico — Santa Fe and Las Cruces don’t come close.[1] But more drivers on the road means more accidents, and where you live has an important effect on your car insurance rates.[2] Premiums in ABQ are higher than the rest of the state, averaging $120 per month.
Thankfully, companies like Sun Coast and The General offer cheaper car insurance rates, from as low as $71 per month.
We’ll help you find affordable car insurance in Albuquerque, which companies to look for, and how to compare car insurance quotes.
Sun Coast has the cheapest car insurance in Albuqerque, at $71 per month.
A liability car insurance policy in Albuquerque costs an average of $84 per month, while full coverage averages $156 per month.
State Farm, Progressive, and USAA are our top picks for auto insurance in Albuquerque.
The Best Auto Insurance Companies in Albuquerque
Comparing quotes is the easiest way to find the right car insurance for the best price. To help you get started, we found some of the best car insurance companies in Albuquerque. We chose these insurers for their average rates, customer service, coverage options, and available discounts.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Albuquerque’s Kirtland Air Force Base employs more than 20,000 people.[3] For active-duty and retired military service members and their families, it’s hard to find an insurance agency that beats USAA.
The company has the best customer satisfaction ratings in the Southwest region and cheap rates for Albuquerque drivers. It even has a perks program for members that offers discounts on travel and shopping.
Low rates for ABQ drivers
Great customer service
Offers discounts for shopping and travel
Available only to military members and families
Fewer discounts than some competitors
No physical branches in ABQ
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Home to the University of New Mexico, Albuquerque is full of students looking for low auto insurance rates. Progressive has a good student discount along with other ways to save money, like bundling auto coverage with other insurance products. It also has a well-reviewed mobile app to easily manage your policy.
Bundling discount available
Offers savings for students and young drivers
Highly rated mobile app
Below-average customer and claims satisfaction
Strict eligibility requirements for some discounts
Higher-than-average number of customer complaints
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has more than 50 local agents in Albuquerque, so you can work with someone who understands your needs. State Farm’s agent finder even allows you to easily find Spanish-speaking agents. The company is also one of the few insurers with above-average customer service ratings in the Southwest region.
Higher-than-average customer service ratings
Large network of local agents
A+ (Superior) financial strength rating
More expensive rates for some drivers
Fewer discounts than competitors
Gap insurance not available
The Cheapest Car Insurance Quotes in Albuquerque
When shopping for the best price on car insurance, it’s essential to compare quotes. Insurers calculate rates differently, and the cheapest company for your neighbor might be more expensive for you, for example. That said, some companies consistently offer low rates for Albuquerque drivers.
Here’s where drivers in ABQ can find the cheapest car insurance, according to Compare.com data.
Average Premium Prices based on average across state-minimum and full coverage car insurance $96/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $96/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $107/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $85/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $109/mo* |
Overall Rating 0.0 | Overall Rating 3.3 | Overall Rating 3.5 | Overall Rating 3.4 | Overall Rating 3.2 |
Value 0.0/5 | Value 3.0/5 | Value 3.0/5 | Value 3.1/5 | Value 3.8/5 |
Customer Service 0.0/5 | Customer Service 3.1/5 | Customer Service 3.0/5 | Customer Service 3.0/5 | Customer Service 3.4/5 |
Claims Handling 0.0/5 | Claims Handling 3.1/5 | Claims Handling 3.1/5 | Claims Handling 3.1/5 | Claims Handling 3.2/5 |
Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 25 user reviews | Special Highlight N/AAI-generated from 12 user reviews | Special Highlight N/AAI-generated from 21 user reviews | Special Highlight N/AAI-generated from 7 user reviews |
How Much Car Insurance Do You Need in Albuquerque?
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All New Mexico drivers must have an auto insurance policy that meets the state-minimum coverage limits. New Mexico’s minimum liability insurance requirements include:[4]
$25,000 per person of bodily injury liability coverage
$50,000 per accident of bodily injury liability coverage
$10,000 per accident of property damage liability coverage
Bodily injury liability coverage helps pay for the other driver’s medical bills if you cause an accident. Property damage liability covers property damage you cause in an accident.
Your policy limits are the maximum amounts that your insurance company will pay if you file a claim.
Should you buy full-coverage insurance in Albuquerque?
Full-coverage car insurance helps cover your vehicle from damage from accidents, collisions, theft, vandalism, and severe weather. It offers more financial protection than liability coverage and even covers your own damages and injuries.
Full coverage typically includes collision insurance and comprehensive coverage, making it a worthwhile investment for most drivers. Serious accidents can easily exceed minimum liability limits, so full coverage can save you thousands of dollars if you need to file a claim.
Other car insurance coverage options in Albuquerque
Beyond the state-minimum coverage requirements, most insurance companies offer additional insurance options. Here are some additional coverages for you to consider:
Collision insurance: Collision coverage protects your car if you hit another car, animal, telephone pole, or tree.
Comprehensive coverage: Comprehensive insurance protects your car from vandalism, theft, and severe weather.
Gap insurance: Gap insurance covers the difference between your car’s value and your loan balance if you total it in an accident.
Underinsured/uninsured (UM/UIM) motorist coverage: UM/UIM covers damages if a driver without enough insurance — or no insurance at all — hits your car.
Roadside assistance: Roadside assistance covers things like towing, jump-starts, and flat tires in the event of a breakdown.
Cheapest Car Insurance in Albuquerque by Driver and Coverage Type
Car insurance companies consider a number of variables when calculating rates. The car you drive, your driving record, credit history, and age all play a role in how much you pay for coverage.
So when shopping for auto insurance, you can use your driver profile to estimate your costs. The table below shows you the average rates for different Albuquerque drivers, based on Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | Sun Coast |
| Full coverage | State Farm |
| Drivers with a speeding ticket | Sun Coast |
| Drivers with an at-fault accident | Sun Coast |
| Drivers with a DUI | Sun Coast |
| Teens | The General |
| Seniors | National General |
| Drivers with excellent credit | Sun Coast |
| Drivers with poor credit | Sun Coast |
Cheapest liability-only coverage in Albuquerque: Sun Coast
Liability-only insurance meets New Mexico’s minimum requirements. It’s enough to drive legally, but it doesn’t cover your car from any damage. Because the state’s limits might not be enough to fully protect you in a serious accident, most experts recommend buying more coverage.[5]
In Albuquerque, minimum-coverage insurance costs an average of $84 per month. The chart below shows the insurers with the cheapest liability rates in Albuquerque, according to our data.
Cheapest Liability Rates by Company
Cheapest full coverage: State Farm
Full-coverage car insurance includes liability coverage, plus it protects your car from damage from collisions with animals, trees, and other stationary objects. It also covers damages from things like theft, vandalism, hail, and other severe weather damage.
If you finance or lease your car, your lender likely requires you to have full coverage. It’s also a good idea for drivers who’d struggle to pay for expensive repairs out of pocket.
On average, a full-coverage policy costs $156 per month in Albuquerque. The chart below shows the companies with the cheapest full-coverage policies in ABQ, according to Compare.com data.
Cheapest Full-Coverage Rates by Company
Compare Real-Time Car Insurance Quotes in Albuquerque
Rates in Albuquerque start at $71 per month.
Cheapest after a speeding ticket: Sun Coast
Insurance companies consider you a riskier driver after a speeding ticket and charge you a higher rate. Albuquerque drivers with a recent speeding ticket pay an average of $142 per month for car insurance.
But you can still find a low rate. The insurers in the chart below offer the cheapest premiums for Albuquerque drivers with a ticket on their record, according to our data.
Cheapest Rates With a Ticket
Cheapest after an accident: Sun Coast
After you cause an accident, insurance companies consider you more likely to make a future claim. They’ll usually charge you higher rates than they would if you had a clean driving record. On average, ABQ drivers pay $142 per month in ABQ after an at-fault accident.
But shopping around can help you find cheaper rates. The chart below shows the cheapest insurers for Albuquerque drivers with a recent accident, according to our data.
Cheapest Rates With an Accident
Cheapest after a DUI: Sun Coast
Insurers consider people with driving under the influence (DUI) convictions as the riskiest to insure and charge them some of the highest rates. On average, Albuquerque drivers with a DUI pay $178 per month for car insurance.
That said, some companies specialize in working with high-risk drivers, even people with DUIs. The chart below shows the cheapest insurance companies in ABQ for drivers with DUIs, according to Compare.com data.
Cheapest Rates With a DUI
Cheapest for teens: The General
Teens typically have more accidents than other age groups, which means they pay some of the highest car insurance premiums.[6] The average auto insurance rate for Albuquerque teens is $243 per month.
But you have options if you’re a young driver or have one on your policy. The companies in the chart below offer the cheapest car insurance rates for Albuquerque teens, according to our data.
Cheapest Rates for Teens
Cheapest for seniors: National General
Seniors tend to drive less and practice safer driving habits, so they pay the lowest auto insurance rates of any age group.[7] The average premium for Albuquerque seniors is $102 per month.
That said, you can always look for a better deal. The insurers below have the cheapest rates for Albuquerque seniors, according to our research.
Cheapest Rates for Seniors
Cheapest for bad credit: Sun Coast
New Mexico allows insurance companies to consider your credit history while setting prices. So drivers with poor credit usually pay more for insurance than people with good credit. On average, Albuquerque drivers with poor credit pay $150 per month for car insurance.
To lower your rates, you can find companies that don’t consider credit or offer good rates regardless of your credit history. Here are the companies with the cheapest rates for Albuquerque drivers with poor credit, according to our data.
Cheapest Rates With Bad Credit
Find the Best Company for You
Local rates start as low as $71 per month.
Albuquerque Auto Insurance FAQs
How much is car insurance in Albuquerque?
Car insurance in Albuquerque costs an average of $120 per month, according to Compare.com data. Liability-only coverage costs an average of $84 per month, and full coverage averages $156 per month.
What’s the cheapest auto insurance company in Albuquerque?
Sun Coast is the cheapest auto insurance company in Albuquerque, according to Compare.com data. Its rates start at just $71 per month.
What are the best car insurance companies in Albuquerque?
USAA, State Farm, and Progressive are some of the best car insurance companies in Albuquerque, according to Compare.com research. But the best insurer for you depends on a variety of factors, like your age, ZIP code, and driving record.
Is car insurance in Albuquerque expensive?
It depends. Many factors affect your car insurance costs, including your driving record, age, and the coverage you choose. Overall, ABQ drivers pay $120 per month for car insurance. That’s compared to the state average of $93 per month and the national average of $136 per month.
Is minimum coverage enough in Albuquerque?
No. Most experts recommend purchasing more coverage than the state-minimum requirements. The average used car in the U.S. costs about $25,000, according to Kelley Blue Book, so New Mexico’s $10,000 minimum would mean you’d have to pay $15,000 out of pocket if you total someone’s car.[8]
Are there any discounts available for auto insurance in Albuquerque?
Yes. Albuquerque auto insurance companies have a variety of discounts. Common discounts include good student, military personnel, safety features, automatic billing, and bundling. Always ask your insurance agent about potential car insurance discounts before you buy a policy.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- Data Commons. "Top 100 Cities in New Mexico."
- National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
- Military OneSource. "Kirtland Air Force Base."
- New Mexico Motor Vehicle Division. "Insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Kelley Blue Book. "Average Used Car Price Dropped in January."
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
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- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
)
Charlie Hope D’Anieri is an insurance writer who has been working with Compare.com since 2025. An experienced writer, researcher, and journalist, Charlie’s work has appeared across several well-known publications, including The Guardian, Insurify, The New Republic, and more.
Charlie has earned a bachelor's degree from Middlebury College, as well as a Master of Arts in English Language and Literature from the University of Maryland.
)
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).