Cheapest Car Insurance in Albuquerque

Written by Xuyun Zeng and 2 others
Updated Nov 14, 2024
Insurance price card

Cheapest Car Insurance in Albuquerque

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

With its high desert climate, dry air, and dust storms, driving in Albuquerque can be difficult at times. Whether you’re navigating the Big-I, or traveling down historic Route 66, you’ll want to ensure your car insurance policy is up to par to protect you, your passengers and your vehicle. 

If you’re looking for car insurance in Albuquerque, we’ve pulled together data from quotes Jerry customers in the area have received to help you get a better idea of local rates. These quotes can vary between insurers and also fluctuate based on your age, driving history, coverage needs, and even ZIP code or location within the city.

Cheapest minimum coverage insurance in Albuquerque

New Mexico requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $10,000 in property damage liability per accident.

Here are real quotes from Jerry customers from Albuquerque who opted for state minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$31 $370 Progressive 26 February 27, 2025 Albuquerque, NM 87111
$33 $396 Progressive 64 March 17, 2025 Albuquerque, NM 87105
$39 $468 Bristol West 59 November 23, 2024 Albuquerque, NM 87109
$42 $506 Progressive 69 March 11, 2025 Albuquerque, NM 87112
$43 $520 Bristol West 38 February 11, 2024 Albuquerque, NM 87106
$45 $538 Bristol West 59 May 6, 2025 Albuquerque, NM 87105
$48 $574 Bristol West 41 November 14, 2024 Albuquerque, NM 87109
$51 $606 Bristol West 67 February 18, 2024 Albuquerque, NM 87110
$52 $624 Progressive 48 April 30, 2025 Albuquerque, NM 87105
$52 $628 National General 73 February 4, 2025 Albuquerque, NM 87106
Last Updated May 8, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Albuquerque

Full coverage in New Mexico includes state minimum coverage, plus optional coverage for your vehicle in different scenarios. Collision pays for you to repair your vehicle after an accident, while comprehensive coverage protects you in case of damage from weather or wildlife, theft and other scenarios not covered by collision coverage.

These are some of the cheapest quotes Jerry customers in Albuquerque received for full coverage.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES WITH JERRY
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$33 $396 Progressive 64 March 17, 2025 Albuquerque, NM 87105
$42 $506 Progressive 69 March 11, 2025 Albuquerque, NM 87112
$48 $574 Bristol West 41 November 14, 2024 Albuquerque, NM 87109
$56 $674 Progressive 74 November 12, 2024 Albuquerque, NM 87107
$65 $784 Bristol West 53 March 4, 2025 Albuquerque, NM 87120
$72 $863 Progressive 50 February 5, 2025 Albuquerque, NM 87121
$73 $872 Progressive 34 March 1, 2024 Albuquerque, NM 87104
$74 $888 Progressive 37 June 19, 2024 Albuquerque, NM 87120
$81 $977 Progressive 63 March 6, 2025 Albuquerque, NM 87112
$83 $1,000 Progressive 43 May 3, 2025 Albuquerque, NM 87120
Last Updated May 8, 2025

Cheapest car insurance for young drivers in Albuquerque (18-29 years old)

Insurers often believe that younger drivers are riskier to insure, which means they may pay higher rates than older drivers. To find an affordable rate, it’s wise to do some extra comparison shopping.

Here are some of the cheapest quotes 18- to 29-year-old Burqueños have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$31 $370 Progressive 26 No February 27, 2025 Albuquerque, NM 87111
$85 $1,020 Bristol West 28 No April 11, 2025 Albuquerque, NM 87108
$93 $1,118 Progressive 25 No December 8, 2024 Albuquerque, NM 87114
$97 $1,166 Progressive 27 No March 4, 2025 Albuquerque, NM 87111
$102 $1,224 National General 25 Yes January 4, 2025 Albuquerque, NM 87111
Last Updated May 8, 2025

Cheapest car insurance for mature drivers in Albuquerque (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$43 $520 Bristol West 38 No February 11, 2024 Albuquerque, NM 87106
$48 $574 Bristol West 41 Yes November 14, 2024 Albuquerque, NM 87109
$52 $624 Progressive 48 No April 30, 2025 Albuquerque, NM 87105
$60 $714 Dairyland 54 No January 1, 2024 Albuquerque, NM 87104
$60 $716 Bristol West 42 No December 13, 2023 Albuquerque, NM 87112
Last Updated May 8, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$33 $396 Progressive 64 Yes March 17, 2025 Albuquerque, NM 87105
$39 $468 Bristol West 59 No November 23, 2024 Albuquerque, NM 87109
$42 $506 Progressive 69 Yes March 11, 2025 Albuquerque, NM 87112
$45 $538 Bristol West 59 No May 6, 2025 Albuquerque, NM 87105
$51 $606 Bristol West 67 No February 18, 2024 Albuquerque, NM 87110
Last Updated May 8, 2025

Cheapest car insurance for drivers with clean records in Albuquerque

A driving record free from accidents, violations or claims can get you a more favorable car insurance quote than a less-than-perfect record would. Drivers with good records in Albuquerque have received these quotes from Jerry.

Monthly Quote
Annual Quote
Insurance Company
Date of Policy
Has Full Coverage
City, State
ZIP Code
$31 $370 Progressive February 27, 2025 No Albuquerque, NM 87111
$33 $396 Progressive March 17, 2025 Yes Albuquerque, NM 87105
$39 $468 Bristol West November 23, 2024 No Albuquerque, NM 87109
$42 $506 Progressive March 11, 2025 Yes Albuquerque, NM 87112
$43 $520 Bristol West February 11, 2024 No Albuquerque, NM 87106
Last Updated May 8, 2025

Cheapest car insurance for drivers with low credit scores in Albuquerque

A low credit score often leads to higher insurance premiums. Compare rates from multiple insurers for the best chance at getting a low-cost policy. Here are the cheapest quotes that customers in Albuquerque with a score below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $60 $714 Dairyland 54 January 1, 2024 Albuquerque, NM 87104
<550 $64 $772 Bristol West 37 October 14, 2024 Albuquerque, NM 87108
<550 $72 $862 Dairyland 63 December 13, 2023 Albuquerque, NM 87102
<550 $72 $863 Progressive 50 February 5, 2025 Albuquerque, NM 87121
<550 $74 $888 Dairyland 44 March 8, 2024 Albuquerque, NM 87113
Last Updated May 8, 2025

Cheapest car insurance for drivers with at-fault accidents in Albuquerque

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $64 $772 Bristol West 37 No October 14, 2024 Albuquerque, NM 87108
At Fault With No Injury $70 $842 National General 30 No April 18, 2025 Albuquerque, NM 87111
At Fault With No Injury $71 $850 Bristol West 75 No March 25, 2025 Albuquerque, NM 87110
At Fault With No Injury $74 $888 Progressive 37 Yes June 19, 2024 Albuquerque, NM 87120
At Fault With No Injury $78 $940 Bristol West 39 No June 19, 2024 Albuquerque, NM 87121
Last Updated May 8, 2025

Cheapest car insurance for drivers with speeding tickets in Albuquerque

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $112 $1,345 Dairyland 29 June 3, 2024 Albuquerque, NM 87123
Speeding over 15 $117 $1,406 Bristol West 31 June 21, 2024 Albuquerque, NM 87121
Speeding under 15 $117 $1,410 Dairyland 42 May 27, 2024 Albuquerque, NM 87121
Speeding under 15 $125 $1,505 Dairyland 33 November 24, 2023 Albuquerque, NM 87114
Speeding over 15 $153 $1,838 Progressive 39 February 26, 2025 Albuquerque, NM 87109
Last Updated May 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.