How much does car insurance cost in Albuquerque?
The typical Albuquerque driver pays $1,556 per year for car insurance coverage. That's more than the statewide average in New Mexico ($1,334) and more expensive than the national average of $1,548. Our guide to car insurance in Albuquerque — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
AUTO INSURANCE: ALBUQUERQUE RATES VS. STATE + NATIONAL AVERAGES
| Albuquerque Average (per year) | New Mexico Average | United States Average |
| $1,556 | $1,334 | $1,548 |
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Albuquerque auto insurance costs by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Albuquerque's most affordable premiums. See below the best options for affordable auto insurance in Albuquerque. Don't forget to get car insurance quotes based on your driving profile.
ALBUQUERQUE CAR INSURANCE RATES BY COMPANY
| Insurer | Average Yearly Rate |
| GEICO | $941 |
| USAA | $1,075 |
| State Farm | $1,326 |
| Progressive | $1,880 |
| Allstate | $2,123 |
Read our guide to finding the best cheap auto insurance.
Albuquerque auto insurance premiums by age
The best age for car insurance rates as a driver in Albuquerque is your 50s: drivers in this age group pay an average of $1,406per year. Rates for Albuquerque drivers in their 60s are also relatively affordable, at just $1,449 per year.
Teenage drivers pay Albuquerque's most expensive auto insurance rates. When Albuquerque drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Albuquerque is $4,074, the largest such difference between any two age groups.
ALBUQUERQUE AUTO INSURANCE PREMIUMS BY DRIVER AGE
| Age group | Average Yearly Rate |
| Teenagers | $6,158 |
| 20s | $2,084 |
| 30s | $1,525 |
| 40s | $1,486 |
| 50s | $1,406 |
| 60s | $1,449 |
| 70s | $1,806 |
Learn more about the impact of age on car insurance premiums.
Albuquerque car insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Albuquerque pay $136 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Albuquerque, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Albuquerque, female drivers pay $1 per year more than do male drivers for car insurance.
INSURANCE RATES IN ALBUQUERQUE BY MARITAL STATUS AND GENDER
| Marital Status/Gender | Average Yearly Rate |
| Female | $1,557 |
| Male | $1,556 |
| Single | $1,420 |
| Married | $1,420 |
| Divorced | $1,556 |
| Widowed | $1,527 |
Learn more about how gender and marital status have on insurance rates.
Albuquerque car insurance costs by incident history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Albuquerque drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $756 per year versus the city average. A ticket for speeding results in a $346 rate hike while a DWI or DUI violation costs $860per year in extra insurance expenditures.
AVERAGE ALBUQUERQUE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Citation | Average Annual Rate |
| DUI/DWI | $2,415 |
| Reckless Driving | $2,312 |
| At-fault Accident (damages less than $1,000) | $2,029 |
| At-fault Accident (damages greater than $2,000) | $2,340 |
| Speeding Ticket (16-20 mph over speed limit) | $1,902 |
Learn more about the impact of driving violations on car insurance rates.
Albuquerque car insurance costs by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Albuquerque drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 57% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Albuquerque, moving into the "Fair" credit tier corresponds to an average of $1,218 in savings on insurance each year.
ALBUQUERQUE CAR INSURANCE RATES BY CREDIT LEVEL
| Credit Score | Average Yearly Rate |
| Very Poor | $3,032 |
| Fair | $1,814 |
| Good | $1,556 |
| Very Good | $1,446 |
| Exceptional | $1,317 |
Get additional information on how credit impacts car insurance costs.
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
81
Rainy Days a Year
15"
Avg. Annual Rainfall
27"
Avg. Annual Snowfall
Be Prepared For
Driving in the ABQ
Major Highways
I-40 I-25 SH 423Popular Day Trips
Gilman Tunnels Coronado State Monument Sandia Man CaveParking
City of Albuquerque ParkingCar Insurance Companies in Albuquerque
Find Local Albuquerque Agents
Sofia's Insurance Agency
1802 Deluvina Dr Sw, Albuquerque, NM 87105
Steidley Agency, Inc.
10701 Lomas Blvd., NE Suite 106, Albuquerque, NM 87112
Letherer Insurance Consultants, LLC
2701 San Pedro NE, Suite 15, Albuquerque, NM 87110
J. B. Martin Insurance Agency
8500 Menaul NE Ste B 345, Albuquerque, NM 87112
Western States Insurance Group
1306 Rio Grande NW, Suite B, Albuquerque, NM 87104
Sunset Insurance Corporation
1905 San Mateo Blvd NE, Albuquerque, NM 87110
Jackson & Brown Insurance Solutions
9388 Valley View Drive, Suite 100, Albuquerque, NM 87114
True Coverage LLC
2021 Girard Blvd SE, Ste 200, Albuquerque, NM 87106
Pueblo Insurance Agency, Inc.
2401 12th St. NW, Suite 214-215 S, Albuquerque, NM 87104
Route 66 Insurance, Inc.
3701 San Mateo Blvd Suite 101, Albuquerque, NM 87110
Commercial West Insurance Agency
7800 Marble NE Suite 10, Albuquerque, NM 87110
Anna L. Torres Agency, LLC
3124 San Mateo Blvd NE, Albuquerque, NM 87110
Berger Briggs Real Estate & Insurance, Inc.
4333 Pan American Frwy, Albuquerque, NM 87107
Western E&O Brokers, Inc.
2155 Louisiana Blvd, NE Suite 10100, Albuquerque, NM 87110
Downey & Company
6565 Americas Pkwy NE Ste 750, Albuquerque, NM 87110
J A Sunderland Agency, Inc.
2431 San Pedro NE, Albuquerque, NM 87110
Rio Grande Insurance
Two Park Square 6565 America's Parkway NE, Suite 200, Albuquerque, NM 87110
Menicucci Insurance Agency
2116 Vista Oeste NW Bldg 5, Albuquerque, NM 87120
Rio Grande Insurance
4605 4th NW, Suite A, Albuquerque, NM 87107
Linton and Associates
1204 Central Ave SW, Albuquerque, NM 87102
Aon Risk Solutions
6000 Uptown Blvd NE #400, Albuquerque, NM 87110
WAFD Insurance Group, Inc
2501 Alamo Avenue SE, Albuquerque, NM 87106
Daniels Insurance Agency, Inc.
320 Gold SW Suite 700, Albuquerque, NM 87102
Albuquerque Insurance World, Inc.
2828 Carlisle NE Ste F, Albuquerque, NM 87110
Cress Insurance Consultants, Inc
6101 Moon Street NE #1000, Albuquerque, NM 87111
First Santa Fe Insurance Services, Inc
6501 Americas Parkway NE, Ste 101, Albuquerque, NM 87110
$1,309
The average Burqueño's annual cost of coverage
40%
Our customer's average savings after comparing insurance
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.