The state of New Mexico can be a difficult place to find affordable auto insurance coverage. By law drivers who take to any road in The Land of Enchantment must carry car insurance and liability coverage. Bodily injury coverage rates for others are $25,000 per person / $50,000 per accident. You must also have Property Damage Liability protection coverage with a minimum level of $10,000 per accident.
There are no shortage of insurance providers in the 87198 zip code and Albuquerque. Some discount auto insurance providers can be a really good deal and decent customer experience. Other cut rate car insurance vendors are basically as good as having no insurance and will truly fail you when something happens. Saving money and finding a good provider is the name of the game. It’s only when you find yourself in a moment of need on the side of the road after an unforeseen accident that you truly get to know the value of the car insurance provider you’ve selected.
According to the National Highway Traffic Safety Administration, 6 million traffic accidents occur in the United States on average per calendar year. New Mexico struggles mightily in this area and the numbers really tell the story. According to the University of New Mexico, a car accident occurs every 11 minutes in the state. A person is injured in a crash every 26 minutes. Someone dies in a car accident once every 22 hours. In 2019, there were 48,124 traffic crashes reported on public roadways in New Mexico. These crashes involved 119,118 people, with 20,415 people injured and 425 people sadly died.
No matter how good a driver you are, there is always risk. It’s important to have the right car insurance. Liberty Mutual is our #1 choice based on customer service and average price. Make sure to get a free Liberty Mutual Auto insurance quote today!
When you put that type of risk into perspective, it becomes really important that you assess your appetite for paying for incidents out of pocket. Weigh the insurance minimums in New Mexico and where you want to be in the case of an accident. With mobile phones and plenty of distractions in the car, chances of having a car wreck in New Mexico that involves injury are higher than they’ve ever been. Even with all of the safety upgrades in cars, there has never been a more dangerous time to drive.
Best Car Insurance in New Mexico for 87198
We take a lot of pride in helping our readers through confusing decisions like drivers education, defensive driving courses, and affordable insurance providers. Picking the best car insurance company in 87198 wasn’t easy and after a ruthless investigation of insurance practices, Liberty Mutual came out as the clear #1.
Simply put, Liberty Mutual Insurance offers affordable New Mexico auto insurance that is customized to the needs of Albuquerque residents. There are many types of insurance needs for 87198 drivers, but Liberty Mutual covers them all in one easy and free online quoting process. Whether you’re looking for liability protection, comprehensive coverage, or bundling options for savings, they have it all. It couldn’t be a simpler process and the statistics tell it all.
Minimum Auto Insurance Coverage in New Mexico
You really should evaluate your coverage options, look at your budget, and decide which policy is right for you. At the end of the day which coverage you choose is a reflection of your risk tolerance and the driving in Albuquerque for most of your car journeys. The lower coverage you choose, the higher chance of a massive out of pocket cost in the case of a catastrophic car accident. That said, here is the minimum auto insurance coverage in New Mexico in terms of Bodily Injury and Property Damage Coverage in 87198.
Minimum Coverage Amounts
|Bodily Injury Coverage||$25,000 per person and $50,000 per accident|
|Property Damage Coverage||$25,000 per accident|
Who has the Cheapest Car Insurance in New Mexico?
We took a look at the cheapest car insurance providers in New Mexico, but it’s important to note picking the cheapest car insurance likely won’t provide you with the best experience as a customer. Liberty Mutual provides its customers with the best combination of top service and affordable prices. On average Liberty Insurance is $617 cheaper than Geico, $659 cheaper than AllState, and $642 lower than Nationwide. It’s worth getting a free car insurance quote with Liberty Mutual today in our opinion. You can’t lose.
Best Auto Insurance Quotes in 87198
When it comes to getting the best auto insurance quotes in 87198 and Albuquerque, there is no better place to go than Gabi Insurance services. Gabi is a licensed and certified insurance broker that has wholesale relationships with over 45 different insurance providers in the state of New Mexico. They’ll do the shopping for you and compare apples to apples on the policy you need and break down your options. It’s a really simple process and the value of what each company offers is inherent with how good the Gabi system is. You can tell these guys and gals really know their stuff about auto insurance.
Because of the amount of relationships Gabi has and the ever changing nature of the industry, we highly recommend that all of our readers get a free car insurance quote with Gabi Insurance for peace of mind. They won’t call you and are a completely digital experience. If you want to communicate to them via text message, that’s also an option for you.
Get your free Gabi insurance quote here today!
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Mandatory Minimum Car Insurance Coverage Amounts by State
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