How Much Are Car Insurance Rates in Albuquerque?

It is known that Albuquerque has pricey premiums, as its mean premium surpasses New Mexico's average by $198. So in Albuquerque, it is especially imperative to save while insuring a vehicle. Let's take a look at how auto insurance costs in Albuquerque compare to rates nationwide.

City AverageState AverageNational Average

Albuquerque Car Insurance by Marital Status and Gender

There are numerous factors, including gender and marital status, that can play a role in car insurance rates in Albuquerque. Being single can cost you close to 9% more per year compared to being married. Rates for those who are widowed are slightly cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums vary is trivial.

Marital Status/GenderAverage Rate

Albuquerque Car Insurance After Accidents or Violations

Maintaining an untainted driving record is important to keep the price of premiums low. If you are found at-fault in an accident in Albuquerque, you can expect your yearly car insurance premiums to grow by 51%. In Albuquerque, drivers with a DUI need to spend 54% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with typical rates of $2,523, which are 65% higher than the city average!

Violation/IncidentMean Rate
Reckless Driving$2,523
At-fault Accident (damages less than $1,000)$2,311
At-fault Accident (damages greater than $2,000)$2,311
Speeding Ticket (16-20 mph over speed limit)$1,827

Albuquerque Car Insurance by Age

Among all age groups, drivers in their 50s have the smallest insurance premiums, with rates of $1,383/year. Those in their 60s ($1,432) also have relatively low premiums. With rates of $6,358 on average, teenage drivers are the ones who pay the most in car insurance premiums. The most significant drop in premiums for Albuquerque drivers happens when they reach their 20s. Once out of the teenage age bracket, people save, on average, 68% each year. Rates for drivers in Albuquerque continue to decline through their 50s, but they can expect a change when they hit 60.

AgeAverage Rate

Albuquerque Auto Insurance by Credit Rating

People with Very Poor credit (300-579) pay an average of almost twice as much every year for car insurance than those with Exceptional credit (800-850). Drivers will see the greatest percent drop in premiums when they boost their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 16% per year.

Credit QualityAverage Car Insurance Rate
Very Poor$2,564
Very Good$1,584

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
Popular Day Trips
Gilman Tunnels Coronado State Monument Sandia Man Cave

Car Insurance Companies in Albuquerque

Find Local Albuquerque Agents

Menicucci Insurance Agency

2116 Vista Oeste NW Bldg 5 Albuquerque, NM 87120

Sunset Insurance Corporation

1905 San Mateo Blvd NE Albuquerque, NM 87110

Downey & Company

6565 Americas Pkwy NE Ste 750 Albuquerque, NM 87110

Sofia's Insurance Agency

1802 Deluvina Dr Sw Albuquerque, NM 87105

Rio Grande Insurance

4605 4th NW, Suite A Albuquerque, NM 87107

Aon Risk Solutions

6000 Uptown Blvd NE #400 Albuquerque, NM 87110

Letherer Insurance Consultants, LLC

2701 San Pedro NE, Suite 15 Albuquerque, NM 87110

J A Sunderland Agency, Inc.

2431 San Pedro NE Albuquerque, NM 87110

Pueblo Insurance Agency, Inc.

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

Rio Grande Insurance

Two Park Square Albuquerque, NM 87110

True Coverage LLC

2021 Girard Blvd SE, Ste 200 Albuquerque, NM 87106

Linton and Associates

1204 Central Ave SW Albuquerque, NM 87102

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

Western States Insurance Group

1306 Rio Grande NW, Suite B Albuquerque, NM 87104

Steidley Agency, Inc.

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

Cress Insurance Consultants, Inc

6101 Moon Street NE #1000 Albuquerque, NM 87111

Route 66 Insurance, Inc.

3701 San Mateo Blvd Albuquerque, NM 87110

WAFD Insurance Group, Inc

2501 Alamo Avenue SE Albuquerque, NM 87106

Albuquerque Insurance World, Inc.

2828 Carlisle NE Ste F Albuquerque, NM 87110

First Santa Fe Insurance Services, Inc

6501 Americas Parkway NE, Ste 101 Albuquerque, NM 87110

J. B. Martin Insurance Agency

8500 Menaul NE Ste B 345 Albuquerque, NM 87112

Anna L. Torres Agency, LLC

3124 San Mateo Blvd NE Albuquerque, NM 87110

Commercial West Insurance Agency

7800 Marble NE Suite 10 Albuquerque, NM 87110

Western E&O Brokers, Inc.

2155 Louisiana Blvd, NE Suite 10100 Albuquerque, NM 87110

Jackson & Brown Insurance Solutions

9388 Valley View Drive, Suite 100 Albuquerque, NM 87114

See All


The average Burqueño's annual cost of coverage


Our customer's average savings after comparing insurance


That's equal to 209 cups of coffee or $524 in savings

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Albuquerque Car Insurance

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