Albuquerque Car Insurance (2025 Cheapest + Rankings)

What does average Albuquerque auto insurance cost? We compare the cost to insure over 150 models to find the vehicles with cheapest car insurance in Albuquerque, NM.

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How much does car insurance cost in Albuquerque?

Albuquerque car insurance costs an average of $2,400 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 $200 for full coverage.

The average cost to insure a vehicle in New Mexico is $2,164 per year, so Albuquerque drivers pay an average of $236 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 $330 per year more than in Las Cruces, $184 per year more than in Santa Fe, and $338 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 – $8,545 per year or $712 per month
  • 17 year old – $8,279 per year or $690 per month
  • 18 year old – $7,418 per year or $618 per month
  • 19 year old – $6,754 per year or $563 per month
  • 20 year old – $4,828 per year or $402 per month
  • 30 year old – $2,562 per year or $214 per month
  • 40 year old – $2,400 per year or $200 per month
  • 50 year old – $2,126 per year or $177 per month
  • 60 year old – $1,992 per year or $166 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 full-coverage car insurance premium in Albuquerque, NM for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Albuquerque, NM for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Albuquerque, NM Zip Codes.

Average Car Insurance Cost in Albuquerque, NM
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,086$341
$500$4,828$402
$250$5,614$468
30$1,000$2,146$179
$500$2,562$214
$250$2,992$249
40$1,000$2,020$168
$500$2,400$200
$250$2,798$233
50$1,000$1,796$150
$500$2,126$177
$250$2,468$206
60$1,000$1,684$140
$500$1,992$166
$250$2,312$193

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 Albuquerque, NM Zip Codes. Updated June 26, 2025

Average car insurance rates in the chart range from $1,684 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,614 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 $140 to $468.

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 $5,712 to $8,545 per year to insure a teenage driver in Albuquerque.
  • A low deductible policy costs more – A 20-year-old driver pays an average of $1,288 more per year for $250 deductibles versus $1,000 deductibles.
  • Albuquerque auto insurance rates are more expensive than the New Mexico state average – $2,400 (Albuquerque average) compared to $2,164 (New Mexico average)
  • Teenage female drivers pay lower rates than teen males – Teenage female drivers pay $1,042 to $564 less per year than males of the same age.
  • Cost per month ranges from $166 to $712 – 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 $2,428 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 $1,950 or less per year ($163 per month) for full coverage.

Some additional vehicles that rank towards the top in the cost comparison table are the Nissan Murano, Honda CR-V, 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 $2,088 or less per year, or $174 per month.

The table below details the 40 models with the cheapest car insurance in Albuquerque, sorted by average cost.

Cheapest Car Insurance Rates in Albuquerque
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,772$148
2Chevrolet Trailblazer$1,804$150
3Kia Soul$1,872$156
4Nissan Kicks$1,888$157
5Honda Passport$1,908$159
6Buick Envision$1,922$160
7Toyota Corolla Cross$1,932$161
8Hyundai Venue$1,950$163
9Mazda CX-5$1,956$163
10Ford Bronco Sport$1,966$164
11Volkswagen Tiguan$1,984$165
12Acura RDX$2,004$167
13Nissan Murano$2,016$168
14Buick Encore$2,038$170
15Subaru Outback$2,042$170
16Honda CR-V$2,046$171
17Buick Envista$2,050$171
18Volkswagen Taos$2,056$171
19Kia Niro$2,066$172
20Toyota GR Corolla$2,082$174
21Subaru Ascent$2,086$174
22Honda HR-V$2,088$174
23Nissan Leaf$2,100$175
24Chevrolet Colorado$2,112$176
25Honda Civic$2,124$177
26Lexus NX 250$2,124$177
27Volkswagen Atlas$2,126$177
28Acura Integra$2,134$178
29Subaru Forester$2,134$178
30Volkswagen Atlas Cross Sport$2,136$178
31Kia Seltos$2,144$179
32GMC Terrain$2,148$179
33Nissan Rogue$2,154$180
34Hyundai Kona$2,158$180
35Mazda CX-30$2,164$180
36Cadillac XT4$2,166$181
37Ford Explorer$2,176$181
38Volkswagen ID4$2,176$181
39Toyota Highlander$2,180$182
40Ford Escape$2,188$182

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 June 26, 2025

Top 40 cheapest vehicles to insure in Albuquerque, NM with the Subaru Crosstrek ranking first at $1,772 per year
Top 40 cheapest vehicles to insure in Albuquerque, NM with the Subaru Crosstrek ranking first at $1,772 per year

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.

Car insurance average cost by automotive segment in Albuquerque, NM.
Figure 2: Car insurance average cost by automotive segment in Albuquerque, NM. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Albuquerque Zip Codes.

Car Insurance Rates by Automotive Segment in Albuquerque, NM
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,204$184
Midsize SUV$2,368$197
Compact Car$2,370$198
Minivan$2,374$198
Midsize Pickup$2,422$202
Midsize Car$2,444$204
Compact Luxury SUV$2,600$217
Compact Luxury Car$2,638$220
Large SUV$2,648$221
Half-ton Pickup$2,660$222
Heavy Duty Pickup$2,760$230
Midsize Luxury SUV$2,848$237
Midsize Luxury Car$2,940$245
Sports Car$3,298$275
Large Car$3,450$288
Large Luxury SUV$3,714$310
Large Luxury Car$3,838$320

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 2024 model year vehicles and also for all Albuquerque, NM Zip Codes. Updated June 27, 2025

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 $2,242 per year for full coverage insurance up to the Mercedes-Benz AMG GLE63 at $4,044 per year.

As another example, in the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe costing $2,252 per year up to the Toyota Sequoia at $3,002 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 $2,082 per year. Second place is the Nissan Leaf at $2,100 per year, and the third most affordable is the Honda Civic, costing an average of $2,124 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 $2,336 per year or less.

Auto insurance for this segment in Albuquerque for an average middle-age driver will start around $174 per month, depending on where you live.

The lowest-cost compact car to insure in Albuquerque is the Toyota GR Corolla at $2,082 per year. For midsize models, the Kia K5 has the cheapest rates at $2,312 per year. And for full-size sedans, the Chrysler 300 has the cheapest rates at $2,286 per year.

The comparison table below ranks the cars with the cheapest auto insurance rates in Albuquerque, starting with the Toyota GR Corolla at $174 per month and ending with the Mazda 3 at $207 per month.

Cheapest Car Insurance in Albuquerque
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,082$174
Nissan LeafCompact$2,100$175
Honda CivicCompact$2,124$177
Nissan SentraCompact$2,198$183
Subaru ImprezaCompact$2,204$184
Toyota PriusCompact$2,242$187
Kia K5Midsize$2,312$193
Honda AccordMidsize$2,316$193
Chevrolet MalibuMidsize$2,326$194
Toyota CorollaCompact$2,336$195
Kia ForteCompact$2,342$195
Volkswagen ArteonMidsize$2,356$196
Nissan VersaCompact$2,364$197
Subaru LegacyMidsize$2,368$197
Hyundai Ioniq 6Midsize$2,386$199
Mitsubishi Mirage G4Compact$2,422$202
Volkswagen JettaCompact$2,426$202
Toyota CrownMidsize$2,428$202
Hyundai SonataMidsize$2,432$203
Mazda 3Compact$2,480$207

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 June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Albuquerque, NM, with the Toyota GR Corolla ranking first at $2,082 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Albuquerque, NM, with the Toyota GR Corolla ranking first at $2,082 per year.

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 $1,908 or less per year, or around $159 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 $1,966 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 $148 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 $1,772 per year and ending with the Subaru Ascent at $2,086 per year.

Cheapest SUV Insurance in Albuquerque
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,772$148
Chevrolet TrailblazerCompact$1,804$150
Kia SoulCompact$1,872$156
Nissan KicksCompact$1,888$157
Honda PassportMidsize$1,908$159
Buick EnvisionCompact$1,922$160
Toyota Corolla CrossCompact$1,932$161
Hyundai VenueCompact$1,950$163
Mazda CX-5Compact$1,956$163
Ford Bronco SportCompact$1,966$164
Volkswagen TiguanCompact$1,984$165
Nissan MuranoMidsize$2,016$168
Buick EncoreCompact$2,038$170
Subaru OutbackMidsize$2,042$170
Honda CR-VCompact$2,046$171
Buick EnvistaMidsize$2,050$171
Volkswagen TaosCompact$2,056$171
Kia NiroCompact$2,066$172
Subaru AscentMidsize$2,086$174
Honda HR-VCompact$2,088$174

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 June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Albuquerque, NM, with the Subaru Crosstrek ranking first at $1,772 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Albuquerque, NM, with the Subaru Crosstrek ranking first at $1,772 per year.

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 $2,220 per year. Second place is the Toyota GR86 at $2,530 per year, in third place is the Ford Mustang, costing an average of $2,634 per year, and fourth place goes to the BMW Z4, at an average of $2,650 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 $2,868 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 $2,868 and $4,062 to insure per year.

Auto insurance for this segment in Albuquerque for the average driver can cost as low as $185 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 $2,220 per year ($185 per month) and ending with the Porsche Taycan at $4,062 per year ($339 per month).

Cheapest Sports Car Insurance in Albuquerque
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,220$185
Toyota GR86Sports Car$2,530$211
Ford MustangSports Car$2,634$220
BMW Z4Sports Car$2,650$221
Subaru WRXSports Car$2,690$224
Toyota GR SupraSports Car$2,694$225
BMW M2Sports Car$2,772$231
Nissan ZSports Car$2,778$232
Lexus RC FSports Car$2,836$236
Subaru BRZSports Car$2,868$239
BMW M3Sports Car$3,030$253
Porsche 718Sports Car$3,090$258
Chevrolet CamaroSports Car$3,116$260
Chevrolet CorvetteSports Car$3,322$277
Porsche 911Sports Car$3,436$286
BMW M4Sports Car$3,580$298
Lexus LC 500Sports Car$3,598$300
Jaguar F-TypeSports Car$3,784$315
Mercedes-Benz AMG GT53Sports Car$3,972$331
Porsche TaycanSports Car$4,062$339

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 June 26, 2025

Ranking of the cheapest sports cars to insure in Albuquerque, NM, with the Mazda MX-5 Miata ranking first at $2,220 per year.
Ranking of the cheapest sports cars to insure in Albuquerque, NM, with the Mazda MX-5 Miata ranking first at $2,220 per year.

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 $2,112 per year, Nissan Titan at $2,246 per year, Nissan Frontier at $2,268 per year, and Ford Ranger at $2,292 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 $2,468 per year or less.

On a monthly basis, auto insurance in this segment for the average driver can cost as low as $176 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 $2,112 per year and ending with the Ram Truck at $2,776 per year.

Cheapest Pickup Insurance in Albuquerque
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,112$176
Nissan TitanFull-size$2,246$187
Nissan FrontierMidsize$2,268$189
Ford RangerMidsize$2,292$191
Ford MaverickMidsize$2,326$194
Honda RidgelineMidsize$2,380$198
Hyundai Santa CruzMidsize$2,420$202
Toyota TacomaMidsize$2,428$202
GMC Sierra 2500 HDHeavy Duty$2,440$203
GMC CanyonMidsize$2,468$206
Jeep GladiatorMidsize$2,526$211
GMC Sierra 3500Heavy Duty$2,542$212
Chevrolet Silverado HD 3500Heavy Duty$2,564$214
Chevrolet Silverado HD 2500Heavy Duty$2,632$219
Chevrolet SilveradoFull-size$2,650$221
GMC SierraFull-size$2,650$221
Nissan Titan XDHeavy Duty$2,652$221
Ford F150Full-size$2,684$224
GMC Hummer EV PickupFull-size$2,756$230
Ram TruckFull-size$2,776$231

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 June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Albuquerque, NM, with the Chevrolet Colorado ranking first at $2,112 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Albuquerque, NM, with the Chevrolet Colorado ranking first at $2,112 per year.

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 $2,134 per year, the BMW 330i at $2,444 per year, and the Mercedes-Benz CLA250 at $2,468 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 $2,522 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 $2,522 and $2,690 per year for full-coverage insurance.

The most affordable compact luxury car to insure in Albuquerque is the Acura Integra at $2,134 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $2,468 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,848 per year.

The next table ranks the twenty luxury cars with the cheapest car insurance rates in Albuquerque, starting with the Acura Integra at $2,134 per year and ending with the Audi S3 at $2,690 per year.

Cheapest Luxury Car Insurance in Albuquerque
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,134$178
BMW 330iCompact$2,444$204
Mercedes-Benz CLA250Midsize$2,468$206
Lexus IS 300Midsize$2,472$206
Acura TLXCompact$2,482$207
Cadillac CT4Compact$2,506$209
Lexus ES 350Midsize$2,506$209
Genesis G70Compact$2,512$209
Mercedes-Benz AMG CLA35Midsize$2,516$210
Lexus RC 300Midsize$2,522$210
Lexus IS 350Compact$2,534$211
Jaguar XFMidsize$2,538$212
Cadillac CT5Midsize$2,584$215
Lexus ES 250Midsize$2,596$216
Lexus RC 350Compact$2,604$217
BMW 330eCompact$2,606$217
BMW 228iCompact$2,608$217
BMW 230iCompact$2,628$219
Lexus ES 300hMidsize$2,632$219
Audi S3Compact$2,690$224

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 June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Albuquerque, NM, with the Acura Integra ranking first at $2,134 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Albuquerque, NM, with the Acura Integra ranking first at $2,134 per year.

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 $2,264 or less per year, or around $189 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 $2,312 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 $2,312 and $2,406 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 $2,004 per year, or $167 per month. For midsize luxury SUV models, the Jaguar E-Pace is the cheapest model to insure at $2,242 per year, or $187 per month. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest rates at $2,690 per year, or $224 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 $2,004 per year and ending with the Lexus RX 350 at $2,406 per year.

Cheapest Luxury SUV Insurance in Albuquerque
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,004$167
Lexus NX 250Compact$2,124$177
Cadillac XT4Compact$2,166$181
Jaguar E-PaceMidsize$2,242$187
Cadillac XT5Midsize$2,264$189
Lexus NX 350hCompact$2,264$189
Lincoln CorsairCompact$2,292$191
Mercedes-Benz GLB 250Compact$2,296$191
Lexus UX 250hCompact$2,300$192
Lexus NX 450hCompact$2,312$193
Infiniti QX50Midsize$2,330$194
Mercedes-Benz GLA250Compact$2,340$195
Cadillac XT6Midsize$2,348$196
Mercedes-Benz GLA35 AMGCompact$2,348$196
Infiniti QX60Midsize$2,358$197
Mercedes-Benz AMG GLB35Midsize$2,364$197
Acura MDXMidsize$2,396$200
Land Rover EvoqueCompact$2,396$200
Lexus NX 350Compact$2,406$201
Lexus RX 350Midsize$2,406$201

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 June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Albuquerque, NM, with the Acura RDX ranking first at $2,004 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Albuquerque, NM, with the Acura RDX ranking first at $2,004 per year.

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 $2,248 per year on the Silverado EV WT model up to $3,146 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 $52 to $76 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.

Average 2024 Chevrolet Silverado insurance premiums in Albuquerque for different driver ages and risk scenarios.
Figure 3: Average 2024 Chevrolet Silverado insurance premiums in Albuquerque for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Albuquerque includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Albuquerque, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,160$513
Safe Driver Age 20$5,384$449
At-fault Accidents Age 40$3,790$316
Low Deductibles Age 40$3,422$285
Safe Driver Age 30$2,824$235
Safe Driver Age 40$2,650$221
Safe Driver Age 50$2,358$197
High Deductibles Age 40$2,256$188
Safe Driver Age 60$2,206$184
Discount Rate Age 40$2,196$183

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025

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 $1,900 per year, or about $158 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 $2,516 per year, or about $210 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 $1,766 to $4,822 per year, which is a price difference of $3,056 caused by changes in driver risk.

Average 2024 Honda Civic insurance premiums in Albuquerque for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda Civic insurance premiums in Albuquerque for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Albuquerque includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Albuquerque, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,822$402
Safe Driver Age 20$4,210$351
At-fault Accidents Age 40$2,976$248
Low Deductibles Age 40$2,786$232
Safe Driver Age 30$2,266$189
Safe Driver Age 40$2,124$177
Safe Driver Age 50$1,882$157
High Deductibles Age 40$1,780$148
Discount Rate Age 40$1,766$147
Safe Driver Age 60$1,760$147

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 26, 2025

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 $2,044 per year, or about $170 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 $2,258 per year, or around $188 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 $170 to $188 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.

Average 2024 Nissan Rogue insurance premiums in Albuquerque for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in Albuquerque for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Albuquerque includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Albuquerque, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,928$411
Safe Driver Age 20$4,300$358
At-fault Accidents Age 40$3,054$255
Low Deductibles Age 40$2,772$231
Safe Driver Age 30$2,294$191
Safe Driver Age 40$2,154$180
Safe Driver Age 50$1,920$160
High Deductibles Age 40$1,832$153
Safe Driver Age 60$1,794$150
Discount Rate Age 40$1,790$149

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

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 $2,086 per year, or around $174 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 $2,450 per year, or about $204 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 $50 to $58 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.

Average 2024 Kia Sorento insurance premiums in Albuquerque for different driver ages and risk scenarios.
Figure 6: Average 2024 Kia Sorento insurance premiums in Albuquerque for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Albuquerque includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Albuquerque, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,230$436
Safe Driver Age 20$4,580$382
At-fault Accidents Age 40$3,212$268
Low Deductibles Age 40$3,004$250
Safe Driver Age 30$2,430$203
Safe Driver Age 40$2,278$190
Safe Driver Age 50$2,014$168
High Deductibles Age 40$1,906$159
Discount Rate Age 40$1,892$158
Safe Driver Age 60$1,886$157

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

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 $2,634 per year, with rates ranging from a low of $2,258 per year for the Mustang Ecoboost Fastback model (MSRP of $30,920) up to $2,876 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 $52 to $68 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 $188 to $240 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.

Average 2024 Ford Mustang insurance premiums in Albuquerque for different driver ages and risk scenarios.
Figure 7: Average 2024 Ford Mustang insurance premiums in Albuquerque for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Albuquerque includes all Zip Codes and vehicle trim levels.

2024 Ford Mustang Insurance Cost in Albuquerque, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,036$503
Safe Driver Age 20$5,272$439
At-fault Accidents Age 40$3,726$311
Low Deductibles Age 40$3,428$286
Safe Driver Age 30$2,810$234
Safe Driver Age 40$2,634$220
Safe Driver Age 50$2,340$195
High Deductibles Age 40$2,226$186
Discount Rate Age 40$2,188$182
Safe Driver Age 60$2,186$182

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 27, 2025

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 $330 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 $638 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 $406 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 $3,422 per year for a 20-year-old driver and as much as $998 per year for a 40-year-old driver. So be safe and save.