How to Use This Guide

This guide can help you compare premium quotes from companies that sell a large market share of the automobile insurance in New Mexico. This guide lists the companies and their premiums for eight different scenarios for each city selected.

1. A description for each scenario can be viewed by clicking on the buttons shown in the left sidebar. Please select the scenario that most closely matches your situation. The scenario may not match your situation exactly, but they provide a way to compare premiums. In addition, please view the conditions that are common to all scenarios by using the "Conditions" button.



2. To view premium comparisons for automobile insurance policies sold in your area, select your city or the city nearest you from the map shown on your right.



3. In addition to the premium charged, please consider other factors, such as the company´s financial strength and complaint history. These factors can be viewed from the "Ratings" button shown on your left. After taking all these factors into consideration, click the "Call for Quote" button to view contact information for your selected company.

To learn more about auto insurance, please see the "Consumer's Guide to Auto Insurance".

Young Single Male

• 24-year old single male.
• Drives a 2003 Jeep Liberty LTD.
• Anti-lock brakes.
• Drives to work 5 days a week and 22 miles one way.
• 15,000 annual miles.
• No accidents or violations.
• $25,000/$50,000/$10,000 liability limits.
• $250 deductible on comprehensive.
• $500 deductible on collision.

Young Single Female

• 24-year old single female.
• Drives a 2002 Honda Civic EX.
• Drives to work 5 days a week and 18 miles one way.
• 15,000 annual miles.
• No accidents or violations.
• $25,000/$50,000/$10,000 liability limits.
• $250 deductible on comprehensive.
• $500 deductible on collision.

Single Male

• 30-year old single male.
• Drives a 2003 Toyota Tundra PKP.
• Anti-lock brakes.
• Drives to work 5 days a week and 10 miles one way.
• 14,000 annual miles.
• One speeding ticket 10 miles over limit two years ago.
• $50,000/$100,000/$25,000 liability limits.
• $250 deductible on comprehensive.
• $500 deductible on collision.

Single Female

• 30-year old single female.
• Drives a 2004 Nissan Maxima
• Drives to work 5 days a week and 8 miles one way.
• 11,000 annual miles.
• One speeding ticket 10 miles over limit two years ago.
• $50,000/$100,000/$25,000 liability limits.
• $250 deductible on comprehensive.
• $500 deductible on collision.

Family Rate

• Household includes 2 vehicles and 2 drivers
• Multi-car discount
• 35-YEAR OLD MARRIED MALE DRIVES:
• 2004 Chrysler 300M
• To work 5 days a week and 8 miles one way
• 14,000 annual miles
• No accidents or violations.
• 35-YEAR OLD MARRIED FEMALE DRIVES:
• 2003 Ford Windstar SE
• Drives for pleasure use only.
• 7,000 annual miles
• No accidents or violations.
• $300,000/$300,000/$100,000 liability limits.
• $500 deductible on comprehensive.
• $500 deductible on collision.

Family Rate

• Household includes 2 vehicles and 3 drivers
• Multi-car discount
• 50-YEAR OLD MARRIED MALE DRIVES:
• 2004 Honda Accord
• To work 5 days a week and 14 miles one way
• 12,000 annual miles
• No accidents or violations.
• 48-YEAR OLD MARRIED FEMALE DRIVES:
• 2003 Doge Caravan with anti-lock brakes
• To work 3 days a week and 4 miles one way
• 10,000 annual miles
• One at-fault accident one year ago with $15,000 claim payment.
• 17-YEAR OLD SINGLE MALE DRIVES:
• Occasionally the 2003 Doge Caravan with anti-lock brakes
• One year of driving experience.
• Completed drivier training course.
• B average in school.
• No accidents or violations.
• $300,000/$300,000/$100,000 liability limits.
• $500 deductible on comprehensive.
• $500 deductible on collision.

Family Rate

• Household includes 2 vehicles and 2 drivers
• Multi-car discount
• 55-YEAR OLD MARRIED MALE DRIVES:
• 2001 Ford F150 PKP 4X4
• To work 5 days a week and 18 miles one way
• 15,000 annual miles
• No accidents or violations.
• 55-YEAR OLD MARRIED FEMALE DRIVES:
• 2005 Toyota Camry
• To work 5 days a week and 2 miles one way
• 8,000 annual miles
• No accidents or violations.
• $300,000/$300,000/$100,000 liability limits.
• $500 deductible on comprehensive.
• $500 deductible on collision.

Senior Citizen

• 65-year old widow.
• Drives a 2004 Buick Regal LS
• Anti-Lock Brakes
• Drives for pleasure use only.
• 6,500 annual miles.
• Completed a defensive driver course this year.
• No accidents or violations.
• $100,000/$300,000/$50,000 liability limits.
• $250 deductible on comprehensive.
• $500 deductible on collision.

Conditions Apply to All Scenarios

• Premiums are for a coverage period of 6 months.
• All applicants have prior insurance.
• All applicants have "average" credit history.
• All applicants have purchased UM/UIM BI/PD coverage.
• UM/UIM BI/PD limits equal purchased liability limits.
• Multi-car scenarios assume stacked UM/UIM coverage.
• Any fees applicable to writing new policyholders, are included.

For a Quote, Call:

For help on the above, please see "Rating Classifications & Definition of Complaint Ratios".