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Get Cheap Car Insurance in Mule Creek, NM

We monitor insurance prices, helping the average driver in Mule Creek save up to 31.4% on car insurance.

 

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The Cheapest Minimum Coverage in Mule Creek

The chart below shows the cheapest car insurance company in Mule Creek 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.

 
Mule Creek Insurer Monthly Cost
State Farm $41
Farm Bureau $48
Gainsco $52
Geico $54

Savings for Every Kind of Mule Creek Driver

The table shows how much the average auto insurance customer in Mule Creek might save by following our recommendations.

Based on our extensive insurance data, we know the average Mule Creek 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 $295 per year by choosing the right vehicle insurance company. Some Mule Creek residents are paying out over $1,321 extra every year for auto insurance in Mule Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mule Creek, NM Savings / Yr.
Drivers with good records
$295
Drivers with accidents
$669
Drivers with speeding tickets
$506
Drivers with a DUI conviction
$582
Young drivers
$1,281
Married drivers
$365
Drivers with bad credit
$363

Mule Creek Car Insurance vs. New Mexico

People living in Mule Creek pay an average of 12.03% less than the typical driver in the state. The average driver in Mule Creek can expect to pay about $683 per year, or $1,321 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Mule Creek for most people.

Car Insurance Prices by Mule Creek Neighborhood

Mule Creek, NM map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Mule Creek?

The map shows insurance prices in and around Mule Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,321 to a low of $1,321. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Mule Creek.

Pick the Best Car Insurance Company for You in Mule Creek

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Mule Creek insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mule Creek

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $295 over the average Mule Creek car insurance company.

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We use the average good driver, paying $86 per month, as our baseline for pricing in Mule Creek. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Mule Creek drivers with accidents on their records

In Mule Creek getting into an accident will raise premiums an average 38% for a yearly cost of $2,126. That's $805 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Nationwide, and Travelers are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $669 over the competition.

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The best car insurance company for Mule Creek drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $506 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Mule Creek, tickets raise premiums on new quotes about $560. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $1,882 per year.

The best auto insurance for Mule Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,108 per year in auto insurance premiums, which was $786 more than a driver with no major issues. State Farm, Progressive, and Kemper penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $582 less each year.

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The least expensive car insurance company for new and young drivers in Mule Creek

In Mule Creek, State Farm costs young drivers $1,281 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Mule Creek. With an average cost of $4,237 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Nationwide, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Mule Creek

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $83. State Farm, Geico, and Progressive provided the largest discounts to couples living in Mule Creek.

State Farm gave the largest car insurance discounts to married couples, averaging $365 saved each year compared to an average Mule Creek couple's premiums.

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The cheapest car insurance in Mule Creek for drivers with bad credit

People with poor credit saved an average of $363 with Gainsco.

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Many people are surprised that their poor credit score can cost them an average of $721 every year. Premiums for people with poor credit were about $2,042 in Mule Creek. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Gainsco.

The best Mule Creek car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mule Creek, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Mule Creek.

Nationwide was the best company for customer service in Mule Creek according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Mule Creek, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Mule Creek. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Mule Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Mule Creek residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mule Creek driver can expect to pay about $97 per month.

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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 Mule Creek, 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.
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Auto Insurance Prices in and Around Mule Creek

What Influences the Cost of Car Insurance in Mule Creek?

On average, car insurance in Mule Creek is actually less expensive than the rest of the state. These low 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 Mule Creek is 44 minutes, which is far 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 Mule Creek are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Mule Creek is a fairly densely populated area 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 Mule Creek is $57 per month for minimum coverage and $110 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

  • Buckhorn: Insurance costs 0.23% more
  • York: Insurance costs 20.97% more
  • Cliff: Insurance costs the same
  • Guthrie: Insurance costs 20.74% more
  • Clifton: Insurance costs 25.81% more
  • Morenci: Insurance costs 24.91% more
  • Gila: Insurance costs 0.15% more
  • Eden: Insurance costs 20.36% more
  • Fort Thomas: Insurance costs 20.74% more
  • Geronimo: Insurance costs 26.57% more

Cities with Similar Populations

* Who is the average Mule Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mule Creek with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.