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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $25 | $300 | 69 | 07/20/25 | 87110 | ||
| $25 | $304 | 46 | 06/27/25 | 87104 | ||
| $26 | $310 | 54 | 06/01/25 | 87107 | ||
| $28 | $340 | 60 | 08/31/25 | 87106 | ||
| $29 | $342 | 61 | 09/15/25 | 87107 | ||
| $31 | $376 | 42 | 09/07/25 | 87123 | ||
| $32 | $380 | 44 | 06/30/25 | 87123 | ||
| $32 | $382 | 39 | 06/16/25 | 87121 | ||
| $32 | $388 | 65 | 08/14/25 | 87109 | ||
| $33 | $394 | 58 | 05/27/25 | 87104 |
If you have a loan or lease on your vehicle, the lender will require
More: Get cheap car insurance the smart way, today
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 insurance 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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $25 | $304 | 46 | 06/27/25 | 87104 | ||
| $33 | $394 | 58 | 05/27/25 | 87104 | ||
| $53 | $636 | 38 | 07/05/25 | 87121 | ||
| $58 | $694 | 38 | 06/15/25 | 87110 | ||
| $58 | $700 | 70 | 08/08/25 | 87110 | ||
| $59 | $708 | 36 | 08/21/25 | 87123 | ||
| $59 | $712 | 42 | 06/21/25 | 87110 | ||
| $62 | $742 | 43 | 06/21/25 | 87108 | ||
| $65 | $774 | 40 | 06/20/25 | 87123 | ||
| $67 | $800 | 44 | 06/23/25 | 87105 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
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 shopping for car insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $50 | $604 | 26 | No | 09/23/25 | 87109 | ||
| $51 | $610 | 25 | No | 07/18/25 | 87113 | ||
| $52 | $622 | 23 | No | 07/31/25 | 87112 | ||
| $53 | $638 | 25 | No | 08/11/25 | 87109 | ||
| $64 | $768 | 28 | No | 09/26/25 | 87105 | ||
| $59 | $708 | 36 | 08/21/25 | 87123 | |||
| $59 | $712 | 42 | 06/21/25 | 87110 | |||
| $62 | $742 | 43 | 06/21/25 | 87108 | |||
| $65 | $774 | 40 | 06/20/25 | 87123 | |||
| $67 | $800 | 44 | 06/23/25 | 87105 |
More: Cheapest car insurance in New Mexico
Cheapest car insurance for mature drivers in Albuquerque (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $25 | $304 | 46 | Yes | 06/27/25 | 87104 | ||
| $26 | $310 | 54 | No | 06/01/25 | 87107 | ||
| $31 | $376 | 42 | No | 09/07/25 | 87123 | ||
| $32 | $380 | 44 | No | 06/30/25 | 87123 | ||
| $35 | $416 | 45 | No | 06/28/25 | 87108 | ||
| $59 | $708 | 36 | 08/21/25 | 87123 | |||
| $59 | $712 | 42 | 06/21/25 | 87110 | |||
| $62 | $742 | 43 | 06/21/25 | 87108 | |||
| $65 | $774 | 40 | 06/20/25 | 87123 | |||
| $67 | $800 | 44 | 06/23/25 | 87105 |
More: Best car insurance in New Mexico
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $340 | 60 | No | 08/31/25 | 87106 | ||
| $29 | $342 | 61 | No | 09/15/25 | 87107 | ||
| $32 | $388 | 65 | No | 08/14/25 | 87109 | ||
| $33 | $394 | 58 | Yes | 05/27/25 | 87104 | ||
| $35 | $418 | 67 | No | 07/20/25 | 87110 | ||
| $59 | $708 | 36 | 08/21/25 | 87123 | |||
| $59 | $712 | 42 | 06/21/25 | 87110 | |||
| $62 | $742 | 43 | 06/21/25 | 87108 | |||
| $65 | $774 | 40 | 06/20/25 | 87123 | |||
| $67 | $800 | 44 | 06/23/25 | 87105 |
More: The best car insurance for seniors
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $25 | $304 | 06/27/25 | Yes | 87104 | ||
| $26 | $310 | 06/01/25 | No | 87107 | ||
| $28 | $340 | 08/31/25 | No | 87106 | ||
| $29 | $342 | 09/15/25 | No | 87107 | ||
| $31 | $376 | 09/07/25 | No | 87123 | ||
| $59 | $708 | 08/21/25 | 87123 | |||
| $59 | $712 | 06/21/25 | 87110 | |||
| $62 | $742 | 06/21/25 | 87108 | |||
| $65 | $774 | 06/20/25 | 87123 | |||
| $67 | $800 | 06/23/25 | 87105 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $59 | $706 | 50 | 02/05/25 | 87121 | ||
| <550 | $64 | $772 | 37 | 10/14/24 | 87108 | ||
| <550 | $78 | $940 | 39 | 06/19/24 | 87121 | ||
| <550 | $78 | $940 | 34 | 03/08/25 | 87102 | ||
| <550 | $80 | $962 | 36 | 06/15/25 | 87102 | ||
| $59 | $708 | 36 | 87123 | ||||
| $59 | $712 | 42 | 87110 | ||||
| $62 | $742 | 43 | 87108 | ||||
| $65 | $774 | 40 | 87123 | ||||
| $67 | $800 | 44 | 87105 |
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 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 | $45 | $538 | 59 | No | 02/03/25 | 87112 | ||
| At Fault With No Injury | $55 | $656 | 32 | Yes | 08/23/24 | 87106 | ||
| At Fault With No Injury | $64 | $768 | 62 | No | 07/01/25 | 87105 | ||
| At Fault With No Injury | $64 | $772 | 37 | No | 10/14/24 | 87108 | ||
| At Fault With No Injury | $69 | $830 | 42 | Yes | 03/25/25 | 87111 | ||
| $59 | $708 | 36 | 87123 | |||||
| $59 | $712 | 42 | 87110 | |||||
| $62 | $742 | 43 | 87108 | |||||
| $65 | $774 | 40 | 87123 | |||||
| $67 | $800 | 44 | 87105 |
Cheapest car insurance for drivers with speeding tickets in Albuquerque
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $67 | $798 | 27 | 09/17/25 | 87121 | ||
| Speeding under 15 | $67 | $804 | 29 | 09/08/25 | 87106 | ||
| Speeding over 15 | $80 | $954 | 31 | 09/14/25 | 87121 | ||
| Speeding over 15 | $82 | $982 | 55 | 10/28/25 | 87121 | ||
| Speeding over 15 | $85 | $1,016 | 42 | 06/03/25 | 87108 | ||
| $59 | $708 | 36 | 08/21/25 | 87123 | |||
| $59 | $712 | 42 | 06/21/25 | 87110 | |||
| $62 | $742 | 43 | 06/21/25 | 87108 | |||
| $65 | $774 | 40 | 06/20/25 | 87123 | |||
| $67 | $800 | 44 | 06/23/25 | 87105 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.
