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How much is car insurance in Artesia?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Artesia is about $18 cheaper than it is in the rest of New Mexico.
Compared to the national average cost of auto insurance coverage, Artesia has lower rates. Auto insurance coverage in Artesia is about $19 cheaper than it is for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Artesia, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Artesia residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay slightly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Artesia.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Artesia, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Artesia, a driving record with one accident will usually get you a rate around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $62.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|4-5 Years||Not Enough Data|
|15 Years or Older||$58|
In Artesia, the cheapest vehicles to insure are typically SUVs, with drivers paying around $55 per month for auto insurance coverage.
Truck and van drivers will see rates of about $56 to insure their vehicle, while car owners usually pay around $62 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Artesia, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Overall, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Artesia is no exception, with the difference totaling to around $27 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$61|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $4 less than those who own their own home in Artesia. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Artesia, NM
Recent trends in car insurance for Artesia drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance coverage in Artesia declined from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $58 a month
How does Artesia compare to neighboring areas?
Why are car insurance rates in Artesia different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Crime rates
- Off-street parking accessibility
- Community regulations
- Frequency of car accidents
- Total number of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Artesia?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Artesia.
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Artesia Insurance FAQs
What factors affect car insurance quotes in Artesia?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Artesia different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Artesia?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Artesia?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Artesia or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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