Car Insurance in Albuquerque

On average, Albuquerque premiums surpass New Mexico's average by $198. Why don't we take a look at how to save on car insurance in Albuquerque?

  • City Average: $1,529
  • State Average: $1,331
  • National Average: $1,427

Albuquerque Car Insurance by Accident or Violation History

Possessing a clean driving record is vital if you want to keep the expense of car insurance premiums minimal. Reckless driving will increase your car insurance premiums more than other driving violations. Typically, a DUI in Albuquerque will cost you 54% more in car insurance premiums versus the city average ($1,529). Reckless driving will push your rates up as well, with average rates of $2,523. That is 65% higher than the city average! Nobody plans on getting into an accident, but stuff happens, so be aware of how your rates can change following one. For those in Albuquerque with at-fault accidents, $782 is, on average, the additional cost for car insurance over the city average.

  • DUI: $2,359
  • Reckless Driving: $2,523
  • At-fault Accident (damages less than $1000): $2,311
  • At-fault Accident (damages greater than $2000): $2,311
  • Speeding Ticket (16-20 mph over speed limit): $1,827

Albuquerque Car Insurance by Age

Looking across all age groups, drivers in their 50s have the lowest car insurance premiums. Their rates normally average $1,383 per year. Those in their 60s ($1,432) also have relatively low premiums. When Albuquerque drivers reach their 20s, therefore moving out of the teenage age range, they save an average of 68% each year, which is the most change you'll see between any age group. Turning 60 causes a rise in premiums, but up until that point drivers can anticipate premium reductions when they progress from one age group to the next. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $6,358 on average.

  • Teenagers: $6,358
  • 20s: $2,013
  • 30s: $1,502
  • 40s: $1,465
  • 50s: $1,383
  • 60s: $1,432
  • 70s: $1,878

Albuquerque Car Insurance by Gender and Marital Status

Car insurance premiums in Albuquerque differ based on driver characteristics such as marital status and gender. Individuals who are single spend close to 9% more per year compared to those who are married. Rates for those who are widowed are marginally cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums vary is minimal.

  • Female: $1,533
  • Male: $1,529
  • Single: $1,529
  • Married: $1,404
  • Divorced: $1,529
  • Widowed: $1,509

Albuquerque Car Insurance by Credit Rating

There is a discrepancy of $1,235/year between car insurance premiums for individuals with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers will see the largest decrease in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $255 per year.

  • Very Poor: $2,564
  • Fair: $2,179
  • Good: $1,843
  • Very Good: $1,584
  • Exceptional: $1,329

What drives up car insurance rates in Albuquerque?

Where you live in Albuquerque affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Albuquerque is no exception to the rule. From zip code 87124 to 87125, premiums rise by 26 percent—that’s $306.

Expensive Albuquerque Zip Codes: 87181, 87194, 87151, 87103, 87125

Cheap Albuquerque Zip Codes: 87124, 87114, 87048, 87113, 87120

Albuquerque Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Albuquerque, you can expect 81 rainy days with an annual rainfall of 15 inches. Albuquerque is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in the ABQ

Major Highways
I-40 I-25 SH 423
Public Transit
ABQ RIDE Bus Rapid Ride Bus
Popular Day Trips
Gilman Tunnels Coronado State Monument Sandia Man Cave

Car Insurance Companies in Albuquerque

Find Local Albuquerque Agents

Linton and Associates

1204 Central Ave SW Albuquerque, NM 87102

Rio Grande Insurance

4605 4th NW, Suite A Albuquerque, NM 87107

Sunset Insurance Corporation

1905 San Mateo Blvd NE Albuquerque, NM 87110

Sofia's Insurance Agency

1802 Deluvina Dr Sw Albuquerque, NM 87105

Aon Risk Solutions

6000 Uptown Blvd NE #400 Albuquerque, NM 87110

J A Sunderland Agency, Inc.

2431 San Pedro NE Albuquerque, NM 87110

Albuquerque Insurance World, Inc.

2828 Carlisle NE Ste F Albuquerque, NM 87110

Western E&O Brokers, Inc.

2155 Louisiana Blvd, NE Suite 10100 Albuquerque, NM 87110

Commercial West Insurance Agency

7800 Marble NE Suite 10 Albuquerque, NM 87110

Western States Insurance Group

1306 Rio Grande NW, Suite B Albuquerque, NM 87104

Jackson & Brown Insurance Solutions

9388 Valley View Drive, Suite 100 Albuquerque, NM 87114

J. B. Martin Insurance Agency

8500 Menaul NE Ste B 345 Albuquerque, NM 87112

First Santa Fe Insurance Services, Inc

6501 Americas Parkway NE, Ste 101 Albuquerque, NM 87110

Berger Briggs Real Estate & Insurance, Inc.

4333 Pan American Frwy Albuquerque, NM 87107

Daniels Insurance Agency, Inc.

320 Gold SW Suite 700 Albuquerque, NM 87102

Menicucci Insurance Agency

2116 Vista Oeste NW Bldg 5 Albuquerque, NM 87120

True Coverage LLC

2021 Girard Blvd SE, Ste 200 Albuquerque, NM 87106

Downey & Company

6565 Americas Pkwy NE Ste 750 Albuquerque, NM 87110

Rio Grande Insurance

Two Park Square Albuquerque, NM 87110

Pueblo Insurance Agency, Inc.

2401 12th St. NW, Suite 214-215 S Albuquerque, NM 87104

Letherer Insurance Consultants, LLC

2701 San Pedro NE, Suite 15 Albuquerque, NM 87110

Cress Insurance Consultants, Inc

6101 Moon Street NE #1000 Albuquerque, NM 87111

Route 66 Insurance, Inc.

3701 San Mateo Blvd Albuquerque, NM 87110

Steidley Agency, Inc.

10701 Lomas Blvd., NE Suite 106 Albuquerque, NM 87112

WAFD Insurance Group, Inc

2501 Alamo Avenue SE Albuquerque, NM 87106

Anna L. Torres Agency, LLC

3124 San Mateo Blvd NE Albuquerque, NM 87110

See All

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The average Burqueño's annual cost of coverage


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Albuquerque Car Insurance

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