Cheapest Auto Insurance Quotes for Drivers with a DUI in New Mexico

The words “economical” and “insurance” probably shouldn’t be used together, specifically when you are trying to find the lowest insurance rates for drivers with a DUI. Because it’s not cheap, let’s get started by showing you some of the factors that can significantly affect insurance prices, and figure out some ideas to take the sting out of your next policy.

The make and model of vehicle on the policy is one of the largest factors that determines the availablility of the cheapest car insurance for drivers with a DUI in New Mexico. Vehicles with high performance, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The data below estimates insurance costs for the most affordable automobiles to insure in New Mexico.

Data rating is based on married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Mexico minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in your specific New Mexico location which can increase or decrease premiums greatly.

Table data represents married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Mexico minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific New Mexico garaging location which can affect prices significantly.

Prices above based on married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Mexico minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in New Mexico location which can influence prices greatly.

Finding out which company quotes the cheapest insurance rates for drivers with a DUI calls for a little more sweat in order to find the lowest price quote. Each auto insurer has their own process for establishing rates, so let’s take a look at the most affordable insurance companies in New Mexico.

We do need to point out that New Mexico insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Turning one year older, buying a different home, or getting a reckless driving citation can produce rate changes that may make certain companies cheaper than before.

Find the Cheapest Car Insurance after a DUI

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USAA offers some of the most affordable car insurance rates in New Mexico at around $677 annually. Allied, Safeco, Farm Bureau Mutual, and Farmers also make the cut as some of the best New Mexico car insurance companies.

As illustrated above, if you currently have a policy with Safeco and switched to USAA, you could realize a yearly price reduction of about $297. Policyholders with Farm Bureau Mutual may save as much as $501 a year, and Farmers policyholders might lower prices by up to $638 a year.

To see how much you can save, click here or feel free to get quotes from the companies below.

Bear in mind that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a rate increase for drivers with a DUI. So the insurer that can offer the best rates for your situation may not even be featured in the company chart above. That emphasizes why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

When shopping for auto insurance after getting a DUI, one of the many factors that is used to help calculate the policy price is where you live in New Mexico. Regions with more people or even just more weather-related claims like Albuquerque, South Valley, and Artesia likely pay more, whereas less populated areas generally pay lower auto insurance rates.

The table below rates the most expensive places in New Mexico for drivers with a DUI to purchase auto insurance in.

Price information shown is comparative as specific location information can affect premium rates noticeably.

Finding the highest-rated company can be challenging considering how many companies sell coverage in New Mexico. The company information listed below can help you choose which providers to look at purchasing a policy from. The rankings below are for the largest auto insurers in America, so companies that may only write in New Mexico will not be included in this list.

Top 10 Major Auto Insurers in New Mexico Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Liberty Mutual

Top 10 Major Auto Insurers in New Mexico Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Comparison of full coverage and liability-only policies

Finding the cheapest car insurance for drivers with a DUI in New Mexico is the goal of the majority of drivers, and a good way to find cheaper insurance is to buy only liability coverage. The chart below shows the difference between auto insurance costs with full coverage compared to only the New Mexico minimum liability coverage. The costs are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

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Averaged for all ages 20 through 70, full coverage on your policy costs $1,806 per year over and above liability only. That may make you wonder if you should buy full coverage at all. There is no specific rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

How to find cheaper car insurance for drivers with a DUI

The list below summarizes a few penny-pinching ideas that can help you buy cheaper auto insurance.

• Raise deductibles
• Prevent price hikes by avoiding at-fault accidents
• Full coverage may not be needed on older vehicles
• Too many claims can make car insurance unaffordable
• Save money by obeying traffic laws and keeping a clean driving record
• Compare rates and switch if you can find a better deal

That last idea is especially crucial, as we pointed out in the article above. Car insurance prices in New Mexico adjust frequently, so don’t be unwilling to switch carriers if you can save money.

Brand loyalty is great, but it’s not recommended if it’s costing you a considerable chunk of change every month. Take a few minutes and compare prices to find cheaper car insurance for drivers with a DUI.

Cheap insurance quotes after getting a DUI

You have a lot of ways to quote cheap insurance rates in New Mexico, but the most popular are from a non-exclusive or independent agent, an exlusive agent such as Auto-Owners or State Farm, or from a direct company like Progressive or Geico.

You can use whichever you prefer, but shoppers should understand the differences in how they give price quotes.

Independent agencies write business for many companies and can do rate comparisons with all of them. Independent agents possess the freedom to give you a larger rate selection, which may give you improved chances of finding a lower rate. If your agent finds a cheaper company, it’s easy for the agent to move the policy which prevents you from having to find an new insurance agent.

Exclusive agents are restricted to quoting rates for one company, two of the more popular are Allstate and Liberty Mutual agents. These guys and gals cannot quote prices from more than a single company, so if rates are not competitive, they cannot shop around.

Buying insurance direct means you skip local agents and instead shop from a direct company like Geico. Shopping direct is good for families who have little risk and know how their policy works.

So which way is best for finding the cheapest car insurance for drivers with a DUI in New Mexico? It would be easy to say buying from a direct company yields the cheapest rates since there is no middleman, but that is generally not the case. It could also be said buying from an independent agent results in the cheapest rates since they have more companies to choose from, but that assumption is also not necessarily accurate. For some people, exclusive agents have really good rates that are impossible to beat.

Because there is so much variation in insurance prices, the one way to buy the cheapest policy is to obtain price quotes and compare them. To find the best rates, be sure to get quotes from all three types to get an idea of which is cheapest. For a list of companies offering online discounts in New Mexico, click here to view.