Albuquerque Car Insurance (2022 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 $1,508 per year, which is 3.8% less than the overall U.S. national average rate of $1,567. The average cost per month for car insurance in Albuquerque is $126 for full coverage.

The average cost to insure a vehicle in New Mexico is $1,216 per year, so Albuquerque drivers pay an average of $292 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 $318 per year more than in Las Cruces, $176 per year more than in Santa Fe, and $326 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 – $5,408 per year or $451 per month
  • 17 year old – $5,050 per year or $421 per month
  • 18 year old – $4,716 per year or $393 per month
  • 19 year old – $4,264 per year or $355 per month
  • 20 year old – $2,994 per year or $250 per month
  • 30 year old – $1,588 per year or $132 per month
  • 40 year old – $1,508 per year or $126 per month
  • 50 year old – $1,372 per year or $114 per month
  • 60 year old – $1,348 per year or $112 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 2022 vehicle models including luxury brands.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Albuquerque car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Albuquerque zip codes.Data last updated on June 24, 2022
Average Car Insurance Cost in Albuquerque, NM
Average Car Insurance Cost in Albuquerque, NM
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,542$212
$500$2,994$250
$250$3,470$289
30$1,000$1,334$111
$500$1,588$132
$250$1,852$154
40$1,000$1,276$106
$500$1,508$126
$250$1,750$146
50$1,000$1,164$97
$500$1,372$114
$250$1,592$133
60$1,000$1,144$95
$500$1,348$112
$250$1,564$130

Average car insurance rates in the chart range from $1,144 per year for a policy with high physical damage deductibles for a 60-year-old driver to $3,470 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 $95 to $289.

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 $3,792 to $5,408 per year to insure a teenage driver in Albuquerque.
  • A low deductible policy costs more – A 20-year-old driver pays an average of $900 more per year for $250 deductibles versus $1,000 deductibles.
  • Albuquerque auto insurance rates are more expensive than the New Mexico state average – $1,508 (Albuquerque average) compared to $1,216 (New Mexico average)
  • Teenage female drivers pay lower rates than teen males – Teenage female drivers pay $472 to $648 less per year than males of the same age.
  • Cost per month ranges from $128 to $512 – 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 $1,686 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 Mazda CX-5, Nissan Kicks, Toyota C-HR, and Buick Encore. Average insurance prices for those models cost $1,260 or less per year ($105 per month) for full coverage.

Some additional vehicles that rank towards the top in the cost comparison table are the Ford Maverick, Toyota Corolla Cross, Acura RDX, and Kia Seltos.

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 $1,312 or less per year, or $109 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 Cost Monthly Cost
1Mazda CX-5$1,150$96
2Nissan Kicks$1,180$98
3Chevrolet Trailblazer$1,186$99
4Honda Passport$1,212$101
5Subaru Crosstrek$1,214$101
6Chevrolet Colorado$1,244$104
7Toyota C-HR$1,244$104
8Buick Encore$1,252$104
9Nissan Rogue Sport$1,260$105
10Hyundai Venue$1,282$107
11Buick Envision$1,286$107
12Kia Seltos$1,286$107
13Ford Maverick$1,292$108
14Acura RDX$1,296$108
15Subaru Ascent$1,296$108
16Toyota Corolla Cross$1,296$108
17Hyundai Kona$1,306$109
18Subaru Forester$1,308$109
19Mazda MX-5 Miata$1,310$109
20Subaru Impreza$1,310$109
21Volkswagen Tiguan$1,312$109
22Chevrolet Spark$1,316$110
23Honda CR-V$1,322$110
24Cadillac XT4$1,328$111
25Mazda CX-30$1,334$111
26Ford Ranger$1,342$112
27Honda HR-V$1,356$113
28Ford Edge$1,360$113
29Ford Ecosport$1,368$114
30Chevrolet Trax$1,384$115
31Subaru Outback$1,388$116
32Acura ILX$1,390$116
33GMC Terrain$1,392$116
34Mitsubishi Eclipse Cross$1,394$116
35Nissan Murano$1,402$117
36Hyundai Tucson$1,404$117
37Toyota Tacoma$1,404$117
38Chevrolet Bolt$1,406$117
39Honda Odyssey$1,408$117
40Chevrolet Equinox$1,410$118

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
    Cheapest Car Insurance Rates in Albuquerque

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Albuquerque car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Albuquerque Zip Codes.Data last updated on June 24, 2022
    Average Albuquerque Car Insurance Rates by Vehicle Segment
    Albuquerque Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,410$118
    Midsize Pickup$1,450$121
    Minivan$1,520$127
    Midsize SUV$1,528$127
    Compact Car$1,554$130
    Midsize Car$1,572$131
    Half-ton Pickup$1,640$137
    Compact Luxury SUV$1,696$141
    Large SUV$1,702$142
    Compact Luxury Car$1,714$143
    Large Car$1,746$146
    Heavy Duty Pickup$1,802$150
    Midsize Luxury SUV$1,824$152
    Midsize Luxury Car$1,998$167
    Sports Car$2,132$178
    Large Luxury SUV$2,282$190
    Large Luxury Car$2,386$199

    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 Cadillac XT5 at $1,486 per year for full coverage insurance up to the Audi RS 6 at $2,368 per year.

    As another example, in the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe costing $1,516 per year up to the Jeep Grand Wagoneer at $2,010 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 Subaru Impreza, at an average of $1,310 per year. Second place is the Chevrolet Spark at $1,316 per year, and the third most affordable is the Volkswagen Golf, costing an average of $1,452 per year.

    Some other cars that have affordable insurance rates are the Toyota Corolla, Nissan Sentra, Toyota Camry, and Honda Insight, with an average cost to insure of $1,484 per year or less.

    Auto insurance for this segment in Albuquerque for an average middle-age driver will start around $109 per month, depending on where you live.

    The lowest-cost compact car to insure in Albuquerque is the Subaru Impreza at $1,310 per year. For midsize models, the Subaru Legacy has the cheapest rates at $1,464 per year. And for full-size sedans, the Toyota Avalon has the cheapest rates at $1,584 per year.

    The comparison table below ranks the cars with the cheapest auto insurance rates in Albuquerque, starting with the Subaru Impreza at $109 per month and ending with the Chevrolet Malibu at $131 per month.

    Cheapest Car Insurance in Albuquerque
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,310$109
    Chevrolet SparkCompact$1,316$110
    Volkswagen GolfCompact$1,452$121
    Subaru LegacyMidsize$1,464$122
    Honda InsightMidsize$1,468$122
    Volkswagen JettaCompact$1,468$122
    Nissan SentraCompact$1,472$123
    Kia K5Midsize$1,484$124
    Toyota CamryMidsize$1,484$124
    Toyota CorollaCompact$1,484$124
    Kia RioCompact$1,488$124
    Volkswagen PassatMidsize$1,492$124
    Honda CivicCompact$1,496$125
    Mazda 3Compact$1,502$125
    Mazda 6Midsize$1,504$125
    Toyota PriusCompact$1,510$126
    Hyundai AccentCompact$1,528$127
    Hyundai VelosterCompact$1,542$129
    Kia ForteCompact$1,544$129
    Chevrolet MalibuMidsize$1,568$131

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
      Cheapest Car Insurance in Albuquerque

      Albuquerque drivers’ favorite cars don’t necessarily have the cheapest insurance rates. For example, some of the more popular cars that have auto insurance rates higher than the top 20 above include the Nissan Maxima costing an average of $1,686 per year ($141 per month), the Volkswagen GTI costing $1,512 ($126 per month), and the Hyundai Elantra costing $1,668 ($139 per month).

      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 Nissan Kicks, Chevrolet Trailblazer, Honda Passport, Subaru Crosstrek, and Mazda CX-5. Car insurance quotes for these models average $1,214 or less per year, or around $101 per month.

      Additional SUVs that have affordable insurance rates include the Nissan Rogue Sport, Buick Encore, Buick Envision, and Hyundai Venue, with average rates of $1,286 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 $96 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 Mazda CX-5 at $1,150 per year and ending with the Ford Edge at $1,360 per year.

      Cheapest SUV Insurance in Albuquerque
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,150$96
      Nissan KicksCompact$1,180$98
      Chevrolet TrailblazerCompact$1,186$99
      Honda PassportMidsize$1,212$101
      Subaru CrosstrekCompact$1,214$101
      Toyota C-HRCompact$1,244$104
      Buick EncoreCompact$1,252$104
      Nissan Rogue SportCompact$1,260$105
      Hyundai VenueCompact$1,282$107
      Buick EnvisionCompact$1,286$107
      Kia SeltosCompact$1,286$107
      Subaru AscentMidsize$1,296$108
      Toyota Corolla CrossCompact$1,296$108
      Hyundai KonaCompact$1,306$109
      Subaru ForesterCompact$1,308$109
      Volkswagen TiguanCompact$1,312$109
      Honda CR-VCompact$1,322$110
      Mazda CX-30Compact$1,334$111
      Honda HR-VCompact$1,356$113
      Ford EdgeMidsize$1,360$113

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
        Cheapest SUV Insurance in Albuquerque

        Some popular non-luxury SUVs that did not make the list include the Hyundai Santa Fe at $1,574 per year ($131 per month), the Chevrolet Traverse at $1,554 ($130 per month), the Jeep Grand Cherokee at an average of $1,666 ($139 per month), and the Ford Escape costing $1,486 ($124 per month).

        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 $1,310 per year. Second place is the Ford Mustang at $1,592 per year, in third place is the BMW Z4, costing an average of $1,626 per year, and fourth place goes to the Subaru WRX, at an average of $1,716 per year.

        Not the cheapest to insure, but still ranked well, are cars like the BMW M3, Subaru BRZ, Toyota GR Supra, and Audi TT, with average annual insurance rates of $1,954 per year or less.

        Ranked between 10th and 20th place, models like the Lexus LC 500, BMW M4, Chevrolet Camaro, Lexus RC F, Mercedes-Benz AMG GT53, and Dodge Challenger cost between $1,954 and $2,488 to insure per year.

        Auto insurance for this segment in Albuquerque for the average driver can cost as low as $109 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 $1,310 per year ($109 per month) and ending with the Lexus LC 500 at $2,488 per year ($207 per month).

        Cheapest Sports Car Insurance in Albuquerque
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$1,310$109
        Ford MustangSports Car$1,592$133
        BMW Z4Sports Car$1,626$136
        Subaru WRXSports Car$1,716$143
        Toyota GR86Sports Car$1,760$147
        Toyota GR SupraSports Car$1,798$150
        Audi TTSports Car$1,840$153
        Subaru BRZSports Car$1,894$158
        Chevrolet CorvetteSports Car$1,904$159
        BMW M3Sports Car$1,954$163
        Porsche 718Sports Car$2,042$170
        Chevrolet CamaroSports Car$2,090$174
        Lexus RC FSports Car$2,142$179
        Dodge ChallengerSports Car$2,148$179
        Mercedes-Benz AMG GT53Sports Car$2,180$182
        Jaguar F-TypeSports Car$2,282$190
        Porsche TaycanSports Car$2,344$195
        Porsche 911Sports Car$2,400$200
        BMW M4Sports Car$2,404$200
        Lexus LC 500Sports Car$2,488$207

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
          Cheapest Sports Car Insurance in Albuquerque

          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 $1,244 per year, Ford Maverick at $1,292 per year, Ford Ranger at $1,342 per year, and Toyota Tacoma at $1,404 per year.

          Some other pickups that have affordable insurance rates include the Jeep Gladiator, Honda Ridgeline, Ford F150, and Hyundai Santa Cruz, with average cost of $1,484 per year or less.

          On a monthly basis, auto insurance in this segment for the average driver can cost as low as $104 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 $1,244 per year and ending with the GMC Sierra 3500 at $1,776 per year.

          Cheapest Pickup Insurance in Albuquerque
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Chevrolet ColoradoMidsize$1,244$104
          Ford MaverickMidsize$1,292$108
          Ford RangerMidsize$1,342$112
          Toyota TacomaMidsize$1,404$117
          Nissan FrontierMidsize$1,438$120
          Hyundai Santa CruzMidsize$1,450$121
          GMC CanyonMidsize$1,454$121
          Ford F150Full-size$1,462$122
          Honda RidgelineMidsize$1,472$123
          Jeep GladiatorMidsize$1,484$124
          GMC SierraFull-size$1,540$128
          Nissan TitanFull-size$1,596$133
          Chevrolet SilveradoFull-size$1,624$135
          Toyota TundraFull-size$1,624$135
          Ford F350 Super DutyHeavy Duty$1,640$137
          Chevrolet Silverado HD 3500Heavy Duty$1,654$138
          Nissan Titan XDHeavy Duty$1,696$141
          Ram TruckFull-size$1,724$144
          GMC Sierra 2500 HDHeavy Duty$1,762$147
          GMC Sierra 3500Heavy Duty$1,776$148

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
            Cheapest Pickup Insurance in Albuquerque

            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 ILX at $1,390 per year, the Mercedes-Benz A220 at $1,486 per year, and the BMW 330i at $1,596 per year.

            Some other luxury cars that have cheaper rates include the Alfa Romeo Giulia, BMW 330e, BMW 228i, and BMW 230i, with average cost of $1,676 per year or less.

            Ranked between 10th and 20th place, cars like the Audi A3, Audi A4, Lexus RC 350, Genesis G70, Audi S3, and Cadillac CT5 average between $1,676 and $1,756 per year for full-coverage insurance.

            The most affordable compact luxury car to insure in Albuquerque is the Mercedes-Benz A220 at $1,486 per year. For midsize luxury cars, the Acura ILX has the cheapest rates at $1,390 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $1,774 per year.

            The next table ranks the twenty luxury cars with the cheapest car insurance rates in Albuquerque, starting with the Acura ILX at $1,390 per year and ending with the Audi S3 at $1,756 per year.

            Cheapest Luxury Car Insurance in Albuquerque
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$1,390$116
            Mercedes-Benz A220Compact$1,486$124
            BMW 330iCompact$1,596$133
            Acura TLXCompact$1,606$134
            Volvo S60Compact$1,620$135
            BMW 330eCompact$1,626$136
            BMW 228iCompact$1,636$136
            BMW 230iCompact$1,646$137
            Alfa Romeo GiuliaCompact$1,676$140
            Lexus RC 300Midsize$1,676$140
            Cadillac CT4Compact$1,678$140
            Lexus RC 350Compact$1,682$140
            Genesis G70Compact$1,704$142
            Mercedes-Benz AMG CLA35Midsize$1,714$143
            BMW i4Midsize$1,724$144
            Cadillac CT5Midsize$1,728$144
            Audi A3Midsize$1,744$145
            Audi A4Compact$1,750$146
            Mercedes-Benz AMG CLA45Midsize$1,754$146
            Audi S3Compact$1,756$146

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
              Cheapest Luxury Car Insurance in Albuquerque

              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 Lexus NX 250, Volvo XC40, Cadillac XT4, Cadillac XT5, and Acura RDX. Car insurance quotes for these models average $1,504 or less per year, or around $125 per month.

              Additional luxury SUVs that have affordable average insurance rates are the BMW X1, Lexus NX 350, Lexus UX 200, and Lexus UX 250h, with average rates of $1,542 per year or less.

              Ranked lower than 10th place, but still in the top 20, models like the Lincoln Nautilus, Infiniti QX50, Jaguar E-Pace, Lexus RX 350, and Mercedes-Benz GLB 250 cost between $1,542 and $1,600 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 $1,296 per year, or $108 per month. For midsize luxury SUV models, the Cadillac XT5 is the cheapest model to insure at $1,486 per year, or $124 per month. And for full-size luxury SUVs, the Volvo XC90 has the cheapest rates at $1,634 per year, or $136 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 $1,296 per year and ending with the Lincoln Corsair at $1,600 per year.

              Cheapest Luxury SUV Insurance in Albuquerque
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,296$108
              Cadillac XT4Compact$1,328$111
              Volvo XC40Compact$1,456$121
              Cadillac XT5Midsize$1,486$124
              Lexus NX 250Compact$1,504$125
              BMW X1Compact$1,506$126
              Lexus NX 350hCompact$1,514$126
              Lexus UX 250hCompact$1,514$126
              Lexus NX 350Compact$1,540$128
              Lexus UX 200Compact$1,542$129
              Jaguar E-PaceMidsize$1,548$129
              Lexus RX 350Midsize$1,556$130
              Acura MDXMidsize$1,564$130
              Lincoln NautilusMidsize$1,578$132
              Lexus NX 450hCompact$1,582$132
              Mercedes-Benz GLB 250Compact$1,588$132
              Lexus RX 450hMidsize$1,592$133
              Land Rover EvoqueCompact$1,596$133
              Infiniti QX50Midsize$1,598$133
              Lincoln CorsairCompact$1,600$133

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Albuquerque, NM.Data last updated on June 24, 2022
                Cheapest Luxury SUV Insurance in Albuquerque

                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 $36,695 to $60,195, average Albuquerque insurance rates for a 2022 Chevrolet Silverado range from $1,430 per year on the Silverado WT Regular Cab 4WD model up to $1,776 per year on the Silverado High Country Crew Cab 4WD model.

                When Albuquerque insurance rates on a Chevrolet Silverado are compared with national average insurance rates on the same model, rates are anywhere from $14 to $16 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Chevrolet Silverado Insurance Cost in Albuquerque
                Chevrolet Silverado Insurance Cost in Albuquerque, NM
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,714$310
                Safe Driver Age 20$3,252$271
                At-fault Accidents Age 40$2,306$192
                Low Deductibles Age 40$2,096$175
                Safe Driver Age 30$1,706$142
                Safe Driver Age 40$1,624$135
                Safe Driver Age 50$1,480$123
                Safe Driver Age 60$1,454$121
                High Deductibles Age 40$1,380$115
                Discount Rate Age 40$1,344$112

                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 2022 Honda Civic are on the LX trim model, costing an average of $1,390 per year, or about $116 per month. This model stickers at $22,350.

                The most expensive 2022 Honda Civic to insure in Albuquerque is the Type R model, costing an average of $1,634 per year, or about $136 per month. The sticker price for this trim is $39,000, 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 $1,242 to $3,372 per year, which is a price difference of $2,130 caused by changes in driver risk.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Honda Civic Insurance Cost in Albuquerque
                Honda Civic Insurance Cost in Albuquerque, NM
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,372$281
                Safe Driver Age 20$2,954$246
                At-fault Accidents Age 40$2,106$176
                Low Deductibles Age 40$1,924$160
                Safe Driver Age 30$1,570$131
                Safe Driver Age 40$1,496$125
                Safe Driver Age 50$1,360$113
                Safe Driver Age 60$1,334$111
                High Deductibles Age 40$1,272$106
                Discount Rate Age 40$1,242$104

                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 2022 Nissan Rogue are on the S 2WD trim version, costing an average of $1,360 per year, or about $113 per month. This model has a sticker price of $26,050.

                The most expensive 2022 Nissan Rogue model to insure in Albuquerque is the Platinum AWD model, costing an average of $1,594 per year, or around $133 per month. The cost for this trim is $37,230, before destination charges and documentation fees.

                From a cost per month standpoint, auto insurance rates on a 2022 Nissan Rogue for a middle-age safe driver can range from $113 to $133 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Nissan Rogue Insurance Cost in Albuquerque
                Nissan Rogue Insurance Cost in Albuquerque, NM
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,354$280
                Safe Driver Age 20$2,938$245
                At-fault Accidents Age 40$2,090$174
                Low Deductibles Age 40$1,906$159
                Safe Driver Age 30$1,554$130
                Safe Driver Age 40$1,478$123
                Safe Driver Age 50$1,346$112
                Safe Driver Age 60$1,322$110
                High Deductibles Age 40$1,258$105
                Discount Rate Age 40$1,228$102

                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 2022 Kia Sorento model to insure in Albuquerque is the LX model, costing an average of $1,318 per year, or around $110 per month. This model has a MSRP of $29,590.

                The most expensive 2022 Kia Sorento trim to insure in Albuquerque is the SX Prestige Plug-in Hybrid, costing an average of $1,598 per year, or about $133 per month. The retail cost for this model is $48,090, 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 $14 to $16 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Kia Sorento Insurance Cost in Albuquerque
                Kia Sorento Insurance Cost in Albuquerque, NM
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,244$270
                Safe Driver Age 20$2,842$237
                At-fault Accidents Age 40$2,016$168
                Low Deductibles Age 40$1,872$156
                Safe Driver Age 30$1,510$126
                Safe Driver Age 40$1,430$119
                Safe Driver Age 50$1,304$109
                Safe Driver Age 60$1,280$107
                High Deductibles Age 40$1,204$100
                Discount Rate Age 40$1,190$99

                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 $1,592 per year, with rates ranging from a low of $1,390 per year for the Mustang Ecoboost Fastback model (MSRP of $27,205) up to $1,960 per year on the Mustang Shelby GT500 trim (MSRP of $72,900).

                When Albuquerque car insurance quotes on a Ford Mustang are compared to the national average cost for the same vehicle, rates are $14 to $18 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 $116 to $163 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 24, 2022
                Ford Mustang Insurance Cost in Albuquerque
                Ford Mustang Insurance Cost in Albuquerque, NM
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,578$298
                Safe Driver Age 20$3,136$261
                At-fault Accidents Age 40$2,230$186
                Low Deductibles Age 40$2,088$174
                Safe Driver Age 30$1,682$140
                Safe Driver Age 40$1,592$133
                Safe Driver Age 50$1,446$121
                Safe Driver Age 60$1,420$118
                High Deductibles Age 40$1,334$111
                Discount Rate Age 40$1,326$111

                The Ford Mustang is part of the sports car segment, and other popular same-segment models include the Subaru BRZ, Toyota Supra, Chevrolet Camaro, and Nissan 370Z.

                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 $232 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 $396 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 $252 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 $2,106 per year for a 20-year-old driver and as much as $618 per year for a 40-year-old driver. So be safe and save.