Rio Rancho, NM Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rio Rancho, NM, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

What Makes Car Insurance Rates Expensive in Rio Rancho, NM

The average cost of auto insurance in Rio Rancho, NM, is $1,254. It is lower than the cost of insurance in neighboring places such as Santa Ana Pueblo, Edith Endave, Placitas, and Bernalillo. Several factors can affect the cost of auto insurance in Rio Rancho. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

Some of the factors that could increase the cost of auto insurance are as follows:

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Rio Rancho, NM, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. The former can lead to an increase of $307, while the latter leads to an increase of $845.

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The average cost of auto insurance when the credit score is poor is $2,045. It is as low as $1,076 when this score is “exceptional”.

Age Group:

The cost of auto insurance clearly depends on the age of the driver. Auto insurance is cheapest for drivers who are in their fifties and sixties in Rio Rancho. Teenagers are considered to be more risk-prone to accidents and continue to find auto insurance expensive at $4,069. 

DUI:

DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Rio Rancho can be as high as $1,974. 

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Rio Rancho, NM. A low deductible ($500), usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance, when the deductible is $500 is $972, and it decreases to $821 when the deductible is $1,000.

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

 

Factors that can influence the cost of car insurance in Rio Rancho, NM are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Rio Rancho, NM Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rio Rancho, NM with that of other cities in and around Rio Rancho.

	Rio Rancho	Santa Ana Pueblo	Edith Endave	Placitas	Pueblo of Sandia Village	Bernalillo
Average Insurance Rates	$1,254	$1,306	$1,468	$1,520	$1,331	$1,367

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Rio Rancho, NM Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rio Rancho, NM based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Rio Rancho	$972	$821
Bernalillo	$1,105	$934
Santa Ana Pueblo	$1,475	$1,246
Placitas	$1,677	$1,416
Algodones	$1,885	$1,592
Pueblo of Sandia Village	$2,781	$2,349
Corrales	$1,720	$1,453
Edith Endave	$1,882	$1,589

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Rio Rancho, NM Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rio Rancho, NM usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,069
20 Years	$1,611
30 Years	$1,241
40 Years	$1,194
50 Years	$1,106
60 Years	$1,121
70 Years	$1,305

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Rio Rancho, NM Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rio Rancho, NM can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,182	$326
3 Vehicles	$3,273	$489
4 Vehicles	$4,364	$652

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Rio Rancho, NM Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rio Rancho, NM.

Location	Average Insurance Cost	Post DUI Insurance Rate
Rio Rancho	$1,254	$1,974
Bernalillo	$1,367	$2,152
Santa Ana Pueblo	$1,306	$2,056
Placitas	$1,520	$2,393
Algodones	$1,472	$2,318
Pueblo of Sandia Village	$1,331	$2,096
Corrales	$1,607	$2,530
Edith Endave	$1,468	$2,311

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Rio Rancho, NM Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,076
Excellent (740-799)	$1,228
Good (670-739)	$1,307
Average (580-669)	$1,705
Poor (300-579)	$2,045

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Rio Rancho, NM Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Jalene Berger	Allstate	4100 Southern Blvd SE Ste 3C, Rio Rancho, 87124	(505) 891-1780
Scott Klinkenberg	State Farm	4061 Ridge Rock Rd SE Ste B, Rio Rancho, 87124-7627	505-892-3456
Kathleen Benavidez	Allstate	1594 Sara Rd SE Ste K, Rio Rancho, 87124	(505) 892-3100
Tooter Cosper Insurance	None	3949 , Suite 160 , Corrales, 87048	None
John Gutierrez	Farmers	4011 Barbara Loop SE Ste 101, Rio Rancho, 87124	(505) 892-4988
The Mahoney Group	Travelers	ONE EXECUTIVE CENTER 8500 MENAUL BLVD NE STE A 210, ALBUQUERQUE, 87112	505-293-4083
James Mann	Farmers	4343 Pan American Fwy NE Ste 221, Albuquerque, 87107	(505) 998-7249
Christina Gomez	Farmers	9200 Montgomery Blvd NE Ste B, Albuquerque, 87111	(505) 292-1235

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Rio Rancho, NM Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$55	$1,309
Driver's Failure In Showing Documents	+$122	$1,376
Driving With An Expired Registration	+$129	$1,383
Driving At A Considerably Slow Pace	+$272	$1,526
Using A Cellphone While Driving	+$287	$1,541
Running A Red Light	+$292	$1,546
Speeding	+$307	$1,561
Driving A Vehicle Without The Required Permission	+$390	$1,644
Driving With An Expired/Suspended License	+$845	$2,099

Rio Rancho, NM Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,204
Active Disabling Device	$1,204
Tracking Device	$1,179
Passive Disabling Device	$1,166

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Latest Auto Insurance Reviews in Rio Rancho, NM | Back to Top