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Get Cheap Car Insurance in Las Placitas, NM
We monitor insurance prices, helping the average driver in Las Placitas save up to 31.4% on car insurance.
The Cheapest Minimum Coverage in Las Placitas
The chart below shows the cheapest car insurance company in Las Placitas for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Farm Bureau, Gainsco, and Geico.
| Las Placitas Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Farm Bureau | $57 |
| Gainsco | $62 |
| Geico | $65 |
Savings for Every Kind of Las Placitas Driver
Based on our extensive insurance data, we know the average Las Placitas driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $355 per year by choosing the right vehicle insurance company. Some Las Placitas residents are paying out over $1,589 extra every year for auto insurance in Las Placitas. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Las Placitas, NM Savings / Yr. |
|---|---|
$355 |
|
$804 |
|
$608 |
|
$699 |
|
$1,541 |
|
$439 |
|
$437 |
Las Placitas Car Insurance vs. New Mexico
People living in Las Placitas pay an average of 5.82% more than the typical driver in the state. The average driver in Las Placitas can expect to pay about $821 per year, or $1,589 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Las Placitas for most people.
Car Insurance Prices by Las Placitas Neighborhood
Insurance Prices
Where is insurance cheapest within Las Placitas?
The map shows insurance prices in and around Las Placitas, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $16 per year within the city boundaries, with insurance premiums ranging from a high of $1,596 to a low of $1,580. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Las Placitas.Pick the Best Car Insurance Company for You in Las Placitas
The best car insurance provider for most drivers in Las Placitas
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $355 over the average Las Placitas car insurance company.
The best car insurance provider for Las Placitas drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $804 over the competition.
The best car insurance company for Las Placitas drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $608 better than other car insurance companies.
The best auto insurance for Las Placitas drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $699 less each year.
The least expensive car insurance company for new and young drivers in Las Placitas
In Las Placitas, State Farm costs young drivers $1,541 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Las Placitas
State Farm gave the largest car insurance discounts to married couples, averaging $439 saved each year compared to an average Las Placitas couple's premiums.
The cheapest car insurance in Las Placitas for drivers with bad credit
The best Las Placitas car insurance company for customer service
Nationwide was the best company for customer service in Las Placitas according to the NAIC.
Recent price drops
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The cheapest large national provider in Las Placitas
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Las Placitas driver can expect to pay about $97 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Las Placitas, USAA has the best prices for young drivers, drivers with accidents, good drivers, married couples, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Las Placitas
What Influences the Cost of Car Insurance in Las Placitas?
On average, car insurance in Las Placitas is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Las Placitas is 37 minutes, which is a little more than average for a driver in the state.
- New Mexico state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Las Placitas are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Las Placitas has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Las Placitas is $68 per month for minimum coverage and $132 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
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- Ojo Caliente: Insurance costs 1.26% less
- Medanales: Insurance costs 0.63% less
- Barranca: Insurance costs 0.57% less
- Lamadera: Insurance costs 0.25% less
- La Junta: Insurance costs 1.07% less
- Chili: Insurance costs 1.01% less
- Lyden: Insurance costs 0.63% less
- Estaca: Insurance costs 1.45% less
Cities with Similar Populations
- Paris Station: Insurance costs 29.20% more
- Pickens: Insurance costs 2.33% less
- Phillipstown: Insurance costs 8.12% less
- Payneway: Insurance costs 5.66% more
- Paynesville: Insurance costs 19.70% less
- Paulina: Insurance costs 13.85% less
- Patterson: Insurance costs 30.46% less
- Patricia: Insurance costs 11.33% more
- Paschall: Insurance costs 19.45% less
- Parker: Insurance costs 8.06% less