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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.

Albuquerque Average (per year)New Mexico AverageUnited States Average

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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.

InsurerAverage Yearly Rate
State Farm$1,326

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.

Age groupAverage Yearly Rate

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.

Marital Status/GenderAverage Yearly Rate

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.

CitationAverage Annual Rate
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.

Credit ScoreAverage Yearly Rate
Very Poor$3,032
Very Good$1,446

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.


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

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



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

See How Much You Can Save in Albuquerque

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Recent Questions:

Should I file a claim if my repair cost is $1,500?

In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Jan 1, 2017 Albuquerque, NM

How do you establish the cost of replacement for homeowners insurance policies?

Similar to how individual companies have different underwriting methods to determine rates, every insurer figures their replacement cost for a home differently. Some use tax records, mortgage info, average property values, and other data.
Jun 15, 2020 Albuquerque, NM

Can insured party use their own coverage after not-at-fault accident?

I don't really have any resources for you. The uninsured driver who is at fault in the accident will be responsible for the damages.
Aug 20, 2018 Albuquerque, NM

Will my rate go up for filing a claim even if I have accident forgiveness?

It really will depend on how your previous accident was categorized. If you were considered to be at fault in the previous crash then your accident forgiveness was likely used during that particular claim.
Jul 23, 2017 Albuquerque, NM

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.