- Albuquerque car insurance rates cost an average of $2,442 per year, or about $204 per month.
- For cheap auto insurance in Albuquerque, compact crossovers and SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision cost less than most other makes and models.
- Models with segment-leading auto insurance rates include the Acura RDX at $2,044 per year, Honda Passport at $1,946 per year, Mercedes-Benz CLA250 at $2,514 per year, and Toyota GR Corolla at $2,124 per year.
How much does car insurance cost in Albuquerque?
Albuquerque car insurance costs an average of $2,442 per year, which is about the same as the overall U.S. national average rate. The average cost per month for car insurance in Albuquerque is $204 for full coverage.
The average cost to insure a vehicle in New Mexico is $2,210 per year, so Albuquerque drivers pay an average of $232 more per year than the overall New Mexico state-wide average rate. When prices are compared to other locations in New Mexico, the cost of car insurance in Albuquerque is about $328 per year more than in Las Cruces, $180 per year more than in Santa Fe, and $334 per year more than in Farmington.
The age of the rated driver influences the cost of car insurance, so the list below illustrates this point by showing the difference in average car insurance rates depending on driver age.
Average cost of car insurance in Albuquerque for drivers age 16 to 60
- 16 year old – $8,702 per year or $725 per month
- 17 year old – $8,429 per year or $702 per month
- 18 year old – $7,556 per year or $630 per month
- 19 year old – $6,880 per year or $573 per month
- 20 year old – $4,916 per year or $410 per month
- 30 year old – $2,606 per year or $217 per month
- 40 year old – $2,442 per year or $204 per month
- 50 year old – $2,164 per year or $180 per month
- 60 year old – $2,028 per year or $169 per month
The chart below shows average Albuquerque car insurance cost broken out not only by driver age, but also by policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury brands.
Average car insurance rates in the chart range from $1,714 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,716 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.
When the average rates are converted to monthly figures, the average cost of car insurance per month in Albuquerque ranges from $143 to $476.
Albuquerque auto insurance rates are not static and small changes in driver risk profiles can have substantial effects on car insurance cost. Due to the fact that rates are so variable, this reinforces the need for accurate car insurance quotes when shopping for more affordable auto insurance.
Vehicle models that are popular in Albuquerque tend to be compact and midsize cars like the Hyundai Elantra, Honda Civic, and Toyota Camry and small or midsize SUVs like the Nissan Rogue and Chevy Traverse.
Some additional popular models in Albuquerque from different automotive segments include luxury cars like the Infiniti Q50 and Lexus ES 350, luxury SUVs like the Acura MDX and Cadillac XT5, and models from the pickup truck segment like the Ford F-150 and Chevy Silverado.
We will explore different rates in much more detail a little farther in this article, but before we do that, let’s review the important concepts that we covered in the first section.
- Auto insurance for teenagers can be very expensive – The average cost ranges from $5,815 to $8,702 per year to insure a teenage driver in Albuquerque.
- A low deductible policy costs more – A 20-year-old driver pays an average of $1,310 more per year for $250 deductibles versus $1,000 deductibles.
- Albuquerque auto insurance rates are more expensive than the New Mexico state average – $2,442 (Albuquerque average) compared to $2,210 (New Mexico average)
- Teenage female drivers pay lower rates than teen males – Teenage female drivers pay $1,065 to $576 less per year than males of the same age.
- Cost per month ranges from $169 to $725 – That’s the average auto insurance cost range for drivers aged 16 to 60 in Albuquerque.
- Auto insurance gets cheaper as you get older – Insurance rates for a 40-year-old driver in Albuquerque are $2,474 per year cheaper than for a 20-year-old driver.
Which autos have the cheapest car insurance in Albuquerque?
The models with the cheapest average auto insurance prices in Albuquerque tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross. Average insurance prices for those models cost $1,984 or less per year ($165 per month) for full coverage.
Some additional vehicles that rank towards the top in the cost comparison table are the Nissan Murano, Subaru Outback, Buick Encore, and Acura RDX.
Average insurance cost is slightly more for those models than the cheapest crossover SUVs that rank at the top, but they still have an average cost of $2,124 or less per year, or $177 per month.
The table below details the 40 models with the cheapest car insurance in Albuquerque, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,806 | $151 |
| 2 | Chevrolet Trailblazer | $1,836 | $153 |
| 3 | Kia Soul | $1,908 | $159 |
| 4 | Nissan Kicks | $1,924 | $160 |
| 5 | Honda Passport | $1,946 | $162 |
| 6 | Buick Envision | $1,960 | $163 |
| 7 | Toyota Corolla Cross | $1,970 | $164 |
| 8 | Hyundai Venue | $1,984 | $165 |
| 9 | Mazda CX-5 | $1,994 | $166 |
| 10 | Ford Bronco Sport | $2,000 | $167 |
| 11 | Volkswagen Tiguan | $2,024 | $169 |
| 12 | Acura RDX | $2,044 | $170 |
| 13 | Nissan Murano | $2,054 | $171 |
| 14 | Buick Encore | $2,076 | $173 |
| 15 | Subaru Outback | $2,082 | $174 |
| 16 | Honda CR-V | $2,084 | $174 |
| 17 | Buick Envista | $2,090 | $174 |
| 18 | Volkswagen Taos | $2,094 | $175 |
| 19 | Kia Niro | $2,104 | $175 |
| 20 | Toyota GR Corolla | $2,124 | $177 |
| 21 | Subaru Ascent | $2,126 | $177 |
| 22 | Honda HR-V | $2,128 | $177 |
| 23 | Nissan Leaf | $2,142 | $179 |
| 24 | Chevrolet Colorado | $2,154 | $180 |
| 25 | Honda Civic | $2,164 | $180 |
| 26 | Lexus NX 250 | $2,164 | $180 |
| 27 | Volkswagen Atlas | $2,168 | $181 |
| 28 | Acura Integra | $2,172 | $181 |
| 29 | Subaru Forester | $2,176 | $181 |
| 30 | Volkswagen Atlas Cross Sport | $2,178 | $182 |
| 31 | Kia Seltos | $2,184 | $182 |
| 32 | GMC Terrain | $2,188 | $182 |
| 33 | Nissan Rogue | $2,196 | $183 |
| 34 | Hyundai Kona | $2,202 | $184 |
| 35 | Mazda CX-30 | $2,206 | $184 |
| 36 | Cadillac XT4 | $2,208 | $184 |
| 37 | Ford Explorer | $2,216 | $185 |
| 38 | Volkswagen ID4 | $2,216 | $185 |
| 39 | Toyota Highlander | $2,224 | $185 |
| 40 | Ford Escape | $2,232 | $186 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
A table showing 40 vehicle rankings probably isn’t the best way to show the full picture of the cost of auto insurance in Albuquerque. A more thorough way to look at car insurance rates in a practical manner is by breaking them out by vehicle segment.
The section below illustrates the cost of insurance based on different automotive segments. The rates shown in the chart will give you a better understanding of the automotive segments that have the cheapest average car insurance rates. Then the six subsequent sections will break out the top 20 cheapest models for the most popular automotive segments.
Albuquerque car insurance rates by automotive segment
If you’re shopping for a new or used vehicle, it’s useful to know which types of vehicles have cheaper auto insurance rates. For example, maybe you want to know if compact cars have more affordable insurance than midsize cars or if heavy duty pickups are more expensive to insure than half-ton pickups.
The chart below shows average auto insurance rates in Albuquerque for different vehicle segments. When comparing rates from a segment perspective, small SUVs and midsize pickups have the best average car insurance rates, while luxury models and sports cars tend to have the most expensive rates.
Average rates for different segments are suitable to make an overall comparison, but cost varies considerably within each segment shown in the previous chart.
For example, in the midsize luxury SUV segment, average Albuquerque insurance rates range from the Jaguar E-Pace at $2,286 per year for full coverage insurance up to the Mercedes-Benz AMG GLE63 at $4,120 per year.
As another example, in the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe costing $2,296 per year up to the Toyota Sequoia at $3,056 per year.
In the next sections, we will remove much of this variability by looking at auto insurance cost in Albuquerque at a model level.
Cheapest cars to insure in Albuquerque
Sitting at number one in Albuquerque for the most affordable average insurance rates in the non-luxury sedan segment is the Toyota GR Corolla, at an average of $2,124 per year. Second place is the Nissan Leaf at $2,142 per year, and the third most affordable is the Honda Civic, costing an average of $2,164 per year.
Some other cars that have affordable insurance rates are the Chevrolet Malibu, Kia K5, Toyota Corolla, and Toyota Prius, with an average cost to insure of $2,380 per year or less.
Auto insurance for this segment in Albuquerque for an average middle-age driver will start around $177 per month, depending on where you live.
The lowest-cost compact car to insure in Albuquerque is the Toyota GR Corolla at $2,124 per year. For midsize models, the Kia K5 has the cheapest rates at $2,356 per year. And for full-size sedans, the Chrysler 300 has the cheapest rates at $2,326 per year.
The comparison table below ranks the cars with the cheapest auto insurance rates in Albuquerque, starting with the Toyota GR Corolla at $177 per month and ending with the Mazda 3 at $211 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,124 | $177 |
| Nissan Leaf | Compact | $2,142 | $179 |
| Honda Civic | Compact | $2,164 | $180 |
| Nissan Sentra | Compact | $2,240 | $187 |
| Subaru Impreza | Compact | $2,248 | $187 |
| Toyota Prius | Compact | $2,284 | $190 |
| Kia K5 | Midsize | $2,356 | $196 |
| Honda Accord | Midsize | $2,360 | $197 |
| Chevrolet Malibu | Midsize | $2,368 | $197 |
| Toyota Corolla | Compact | $2,380 | $198 |
| Kia Forte | Compact | $2,384 | $199 |
| Volkswagen Arteon | Midsize | $2,402 | $200 |
| Nissan Versa | Compact | $2,410 | $201 |
| Subaru Legacy | Midsize | $2,414 | $201 |
| Hyundai Ioniq 6 | Midsize | $2,432 | $203 |
| Mitsubishi Mirage G4 | Compact | $2,466 | $206 |
| Volkswagen Jetta | Compact | $2,470 | $206 |
| Toyota Crown | Midsize | $2,474 | $206 |
| Hyundai Sonata | Midsize | $2,478 | $207 |
| Mazda 3 | Compact | $2,528 | $211 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in New Mexico.
Cheapest SUV insurance rates in Albuquerque
Ranking highest for the most affordable Albuquerque car insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, Honda Passport, and Subaru Crosstrek. Car insurance quotes for these models average $1,946 or less per year, or around $162 per month.
Additional SUVs that have affordable insurance rates include the Hyundai Venue, Toyota Corolla Cross, Ford Bronco Sport, and Mazda CX-5, with average rates of $2,000 per year or less.
As a cost per month, car insurance rates on this segment in Albuquerque for the average driver starts at an average of $151 per month, depending on your company and location. The table below ranks the SUVs with the most affordable insurance rates in Albuquerque, starting with the Subaru Crosstrek at $1,806 per year and ending with the Subaru Ascent at $2,126 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,806 | $151 |
| Chevrolet Trailblazer | Compact | $1,836 | $153 |
| Kia Soul | Compact | $1,908 | $159 |
| Nissan Kicks | Compact | $1,924 | $160 |
| Honda Passport | Midsize | $1,946 | $162 |
| Buick Envision | Compact | $1,960 | $163 |
| Toyota Corolla Cross | Compact | $1,970 | $164 |
| Hyundai Venue | Compact | $1,984 | $165 |
| Mazda CX-5 | Compact | $1,994 | $166 |
| Ford Bronco Sport | Compact | $2,000 | $167 |
| Volkswagen Tiguan | Compact | $2,024 | $169 |
| Nissan Murano | Midsize | $2,054 | $171 |
| Buick Encore | Compact | $2,076 | $173 |
| Subaru Outback | Midsize | $2,082 | $174 |
| Honda CR-V | Compact | $2,084 | $174 |
| Buick Envista | Midsize | $2,090 | $174 |
| Volkswagen Taos | Compact | $2,094 | $175 |
| Kia Niro | Compact | $2,104 | $175 |
| Subaru Ascent | Midsize | $2,126 | $177 |
| Honda HR-V | Compact | $2,128 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in New Mexico.
Cheapest sports car insurance rates in Albuquerque
Ranking #1 in Albuquerque for cheapest insurance in the sports car segment is the Mazda MX-5 Miata, coming in at $2,262 per year. Second place is the Toyota GR86 at $2,574 per year, in third place is the Ford Mustang, costing an average of $2,686 per year, and fourth place goes to the BMW Z4, at an average of $2,700 per year.
Not the cheapest to insure, but still ranked well, are cars like the Subaru BRZ, Nissan Z, Toyota GR Supra, and BMW M2, with average annual insurance rates of $2,922 per year or less.
Ranked between 10th and 20th place, models like the Porsche Taycan, Mercedes-Benz AMG GT53, Porsche 718, Chevrolet Camaro, Porsche 911, and Chevrolet Corvette cost between $2,922 and $4,140 to insure per year.
Auto insurance for this segment in Albuquerque for the average driver can cost as low as $189 per month, depending on your location. The comparison table below ranks the sports cars with the lowest-cost car insurance in Albuquerque, starting with the Mazda MX-5 Miata at $2,262 per year ($189 per month) and ending with the Porsche Taycan at $4,140 per year ($345 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,262 | $189 |
| Toyota GR86 | Sports Car | $2,574 | $215 |
| Ford Mustang | Sports Car | $2,686 | $224 |
| BMW Z4 | Sports Car | $2,700 | $225 |
| Subaru WRX | Sports Car | $2,740 | $228 |
| Toyota GR Supra | Sports Car | $2,746 | $229 |
| BMW M2 | Sports Car | $2,824 | $235 |
| Nissan Z | Sports Car | $2,834 | $236 |
| Lexus RC F | Sports Car | $2,888 | $241 |
| Subaru BRZ | Sports Car | $2,922 | $244 |
| BMW M3 | Sports Car | $3,086 | $257 |
| Porsche 718 | Sports Car | $3,146 | $262 |
| Chevrolet Camaro | Sports Car | $3,176 | $265 |
| Chevrolet Corvette | Sports Car | $3,384 | $282 |
| Porsche 911 | Sports Car | $3,502 | $292 |
| BMW M4 | Sports Car | $3,648 | $304 |
| Lexus LC 500 | Sports Car | $3,666 | $306 |
| Jaguar F-Type | Sports Car | $3,856 | $321 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,044 | $337 |
| Porsche Taycan | Sports Car | $4,140 | $345 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in New Mexico.
Cheapest pickup trucks to insure in Albuquerque
The four top-ranked pickup trucks with the most affordable auto insurance rates in Albuquerque are the Chevrolet Colorado at $2,154 per year, Nissan Titan at $2,284 per year, Nissan Frontier at $2,310 per year, and Ford Ranger at $2,336 per year.
Some other pickups that have affordable insurance rates include the GMC Canyon, GMC Sierra 2500 HD, Toyota Tacoma, and Honda Ridgeline, with average cost of $2,514 per year or less.
On a monthly basis, auto insurance in this segment for the average driver can cost as low as $180 per month, depending on where you live and the company you use. The rate comparison table below ranks the pickups with the most affordable car insurance in Albuquerque, starting with the Chevrolet Colorado at $2,154 per year and ending with the Ram Truck at $2,826 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,154 | $180 |
| Nissan Titan | Full-size | $2,284 | $190 |
| Nissan Frontier | Midsize | $2,310 | $193 |
| Ford Ranger | Midsize | $2,336 | $195 |
| Ford Maverick | Midsize | $2,372 | $198 |
| Honda Ridgeline | Midsize | $2,426 | $202 |
| Hyundai Santa Cruz | Midsize | $2,468 | $206 |
| Toyota Tacoma | Midsize | $2,474 | $206 |
| GMC Sierra 2500 HD | Heavy Duty | $2,484 | $207 |
| GMC Canyon | Midsize | $2,514 | $210 |
| Jeep Gladiator | Midsize | $2,574 | $215 |
| GMC Sierra 3500 | Heavy Duty | $2,586 | $216 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,612 | $218 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,682 | $224 |
| GMC Sierra | Full-size | $2,698 | $225 |
| Chevrolet Silverado | Full-size | $2,700 | $225 |
| Nissan Titan XD | Heavy Duty | $2,702 | $225 |
| Ford F150 | Full-size | $2,732 | $228 |
| GMC Hummer EV Pickup | Full-size | $2,802 | $234 |
| Ram Truck | Full-size | $2,826 | $236 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Need rates for a different pickup model? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Albuquerque car insurance quotes from top-rated car insurance companies in New Mexico.
Cheapest luxury cars to insure in Albuquerque
The cheapest luxury car models to insure in Albuquerque are the Acura Integra at $2,172 per year, the BMW 330i at $2,490 per year, and the Mercedes-Benz CLA250 at $2,514 per year.
Some other luxury cars that have cheaper rates include the Lexus RC 300, Cadillac CT4, Lexus ES 350, and Genesis G70, with average cost of $2,568 per year or less.
Ranked between 10th and 20th place, cars like the BMW 228i, BMW 230i, Jaguar XF, Cadillac CT5, Audi S3, and BMW 330e average between $2,568 and $2,740 per year for full-coverage insurance.
The most affordable compact luxury car to insure in Albuquerque is the Acura Integra at $2,172 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $2,514 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,904 per year.
The next table ranks the twenty luxury cars with the cheapest car insurance rates in Albuquerque, starting with the Acura Integra at $2,172 per year and ending with the Audi S3 at $2,740 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,172 | $181 |
| BMW 330i | Compact | $2,490 | $208 |
| Mercedes-Benz CLA250 | Midsize | $2,514 | $210 |
| Lexus IS 300 | Midsize | $2,518 | $210 |
| Acura TLX | Compact | $2,528 | $211 |
| Lexus ES 350 | Midsize | $2,550 | $213 |
| Cadillac CT4 | Compact | $2,552 | $213 |
| Genesis G70 | Compact | $2,558 | $213 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,562 | $214 |
| Lexus RC 300 | Midsize | $2,568 | $214 |
| Lexus IS 350 | Compact | $2,578 | $215 |
| Jaguar XF | Midsize | $2,584 | $215 |
| Cadillac CT5 | Midsize | $2,634 | $220 |
| Lexus ES 250 | Midsize | $2,644 | $220 |
| Lexus RC 350 | Compact | $2,650 | $221 |
| BMW 330e | Compact | $2,656 | $221 |
| BMW 228i | Compact | $2,658 | $222 |
| BMW 230i | Compact | $2,678 | $223 |
| Lexus ES 300h | Midsize | $2,684 | $224 |
| Audi S3 | Compact | $2,740 | $228 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Don’t see your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Albuquerque car insurance quotes from top-rated car insurance companies in New Mexico.
Cheapest luxury SUVs to insure in Albuquerque
The top five models for the lowest-cost Albuquerque auto insurance rates in the luxury SUV segment are the Cadillac XT5, Cadillac XT4, Lexus NX 250, Jaguar E-Pace, and Acura RDX. Car insurance quotes for these models average $2,306 or less per year, or around $192 per month.
Additional luxury SUVs that have affordable average insurance rates are the Lexus NX 350h, Lexus UX 250h, Lexus NX 450h, and Mercedes-Benz GLB 250, with average rates of $2,356 per year or less.
Ranked lower than 10th place, but still in the top 20, models like the Mercedes-Benz GLA35 AMG, Lexus NX 350, Infiniti QX50, Mercedes-Benz GLA250, and Mercedes-Benz AMG GLB35 cost between $2,356 and $2,454 per year to insure in Albuquerque.
If rates are ranked based on vehicle size, the cheapest compact luxury SUV model to insure in Albuquerque is the Acura RDX at $2,044 per year, or $170 per month. For midsize luxury SUV models, the Jaguar E-Pace is the cheapest model to insure at $2,286 per year, or $191 per month. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest rates at $2,740 per year, or $228 per month.
The rate comparison table below ranks the luxury SUVs with the lowest-cost car insurance in Albuquerque, starting with the Acura RDX at $2,044 per year and ending with the Lexus RX 350 at $2,454 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,044 | $170 |
| Lexus NX 250 | Compact | $2,164 | $180 |
| Cadillac XT4 | Compact | $2,208 | $184 |
| Jaguar E-Pace | Midsize | $2,286 | $191 |
| Lexus NX 350h | Compact | $2,304 | $192 |
| Cadillac XT5 | Midsize | $2,306 | $192 |
| Lincoln Corsair | Compact | $2,334 | $195 |
| Mercedes-Benz GLB 250 | Compact | $2,338 | $195 |
| Lexus UX 250h | Compact | $2,344 | $195 |
| Lexus NX 450h | Compact | $2,356 | $196 |
| Infiniti QX50 | Midsize | $2,376 | $198 |
| Mercedes-Benz GLA250 | Compact | $2,382 | $199 |
| Mercedes-Benz GLA35 AMG | Compact | $2,390 | $199 |
| Cadillac XT6 | Midsize | $2,392 | $199 |
| Infiniti QX60 | Midsize | $2,406 | $201 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,408 | $201 |
| Land Rover Evoque | Compact | $2,440 | $203 |
| Acura MDX | Midsize | $2,442 | $204 |
| Lexus NX 350 | Compact | $2,450 | $204 |
| Lexus RX 350 | Midsize | $2,454 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Albuquerque, NM Zip Codes. Updated October 24, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Albuquerque car insurance quotes from the best companies in New Mexico.
Auto insurance cost examples
To reinforce the concept of how much the cost of car insurance can vary from one person to the next (and also emphasize the importance of accurate rate quotes), the charts below present many different rates for five popular vehicles in Albuquerque: the Chevrolet Silverado, Honda Civic, Nissan Rogue, Kia Sorento, and Ford Mustang.
Each chart shows average rates for different profiles to demonstrate the potential cost difference with only minor changes in the driver profile.
Chevrolet Silverado insurance rates
With a MSRP ranging from $39,900 to $105,000, average Albuquerque insurance rates for a 2024 Chevrolet Silverado range from $2,290 per year on the Silverado EV WT model up to $3,204 per year on the Silverado EV RST First Edition model.
When Albuquerque insurance rates on a Chevrolet Silverado are compared with national average insurance rates on the same model, rates are anywhere from $42 to $58 less per year in Albuquerque, depending on trim level.
The chart displayed below might help to visualize how the cost of insurance for a Chevrolet Silverado can be quite different based on changes in the age of the driver and risk profiles.
The Chevrolet Silverado is considered a full-size truck, and other similar models that are popular in Albuquerque include the Ram Truck, GMC Sierra, and Nissan Titan.
Honda Civic insurance rates
In Albuquerque, the least-expensive car insurance rates on a 2024 Honda Civic are on the LX trim model, costing an average of $1,936 per year, or about $161 per month. This model stickers at $23,950.
The most expensive 2022 Honda Civic to insure in Albuquerque is the Type R model, costing an average of $2,564 per year, or about $214 per month. The sticker price for this trim is $43,795, not including documentation fees and destination charges.
The chart displayed below demonstrates how insurance rates on a Honda Civic can range considerably based on a variety of different driver ages and common policy situations. For this example, rates vary from $1,800 to $4,910 per year, which is a price difference of $3,110 caused by changes in driver risk.
The Honda Civic is considered a compact car, and other models in the same segment include the Hyundai Elantra, Chevrolet Cruze, Nissan Sentra, and Toyota Corolla.
Nissan Rogue insurance rates
In Albuquerque, the cheapest car insurance rates on a 2024 Nissan Rogue are on the S 2WD trim version, costing an average of $2,082 per year, or about $174 per month. This model has a sticker price of $29,360.
The most expensive 2022 Nissan Rogue model to insure in Albuquerque is the Platinum AWD model, costing an average of $2,300 per year, or around $192 per month. The cost for this trim is $39,230, before destination charges and documentation fees.
From a cost per month standpoint, auto insurance rates on a 2024 Nissan Rogue for a middle-age safe driver can range from $174 to $192 per month, depending on the car insurance company you choose in Albuquerque.
The bar chart below demonstrates how auto insurance quotes for a Nissan Rogue can be quite different based on different driver ages and possible risk profiles.
The Nissan Rogue belongs to the compact SUV segment, and other popular same-segment models include the Honda CR-V, Chevrolet Equinox, and Mazda CX-5.
Kia Sorento insurance rates
The most affordable 2024 Kia Sorento model to insure in Albuquerque is the LX model, costing an average of $2,124 per year, or around $177 per month. This model has a MSRP of $32,000.
The most expensive 2022 Kia Sorento trim to insure in Albuquerque is the SX Prestige Plug-in Hybrid, costing an average of $2,496 per year, or about $208 per month. The retail cost for this model is $52,000, not including charges and fees.
When Albuquerque car insurance rates on a Kia Sorento are compared with the overall national average cost for the same vehicle, rates are anywhere from $36 to $46 less per year in Albuquerque, depending on which trim level is insured.
The next rate chart illustrates how the cost of car insurance for a Kia Sorento can range considerably based on driver age and common policy situations.
The Kia Sorento is a midsize SUV, and other models popular in Albuquerque include the Honda Pilot, Toyota Highlander, and Ford Edge.
Ford Mustang insurance rates
Ford Mustang insurance in Albuquerque averages $2,686 per year, with rates ranging from a low of $2,302 per year for the Mustang Ecoboost Fastback model (MSRP of $30,920) up to $2,930 per year on the Mustang Dark Horse Premium trim (MSRP of $63,265).
When Albuquerque car insurance quotes on a Ford Mustang are compared to the national average cost for the same vehicle, rates are $42 to $54 less per year in Albuquerque, depending on the trim level being insured.
From a cost per month standpoint, auto insurance for the Ford Mustang can range from $192 to $244 per month, but the exact cost can vary considerably based on your Albuquerque Zip Code.
The chart displayed below shows how insurance rates on a Ford Mustang can range considerably for different driver ages and policy risk profiles.
The Ford Mustang is part of the sports car segment, and other popular same-segment models include the Subaru BRZ, Toyota GR Supra, Chevrolet Camaro, and Nissan Z.
How to find cheaper Albuquerque auto insurance
Albuquerque drivers are often looking to reduce the monthly expense for insurance So glance at the tips in this next list to see if you can save a little cash on your next policy.
- Choose a vehicle that is cheaper to insure. The make and model of vehicle you drive is a huge factor in the cost of insurance. As an example, a Kia Sportage costs $340 less per year to insure in Albuquerque than a Nissan 370Z. Lower performance vehicles cost less to insure.
- The real world isn’t Grand Theft Auto. To get the cheapest auto insurance in Albuquerque, it pays to drive conservatively. A couple of traffic violations have the potential to raise policy rates as much as $650 per year.
- If your car is older, remove unneeded coverages. Removing physical damage coverage from vehicles whose value has dropped to the point where coverage is not cost effective will reduce the cost of auto insurance significantly.
- Shop your coverage around. Setting aside a few minutes every year or so to get free car insurance quotes is a smart way to save money. Rates are always changing and you are not locked into any one company.
- Don’t file small claims. Most insurance companies offer discounts if you have no claims. Car insurance should be used to protect you from large financial hits, not small claims.
- Save money by qualifying for policy discounts. Discounts may be available if the insureds are claim-free, take a defensive driving course, insure their home and car with the same company, sign their policy early, choose electronic billing, or many other policy discounts which could save the average Albuquerque driver as much as $412 per year on the cost of auto insurance
- Being a safe driver saves money. Too frequent at-fault accidents can raise rates, potentially as much as $3,490 per year for a 20-year-old driver and as much as $1,016 per year for a 40-year-old driver. So be safe and save.