Car Insurance in Farmington, NM – 2025 Rates + Comparisons

What is the average cost of car insurance in Farmington? Get ready to find out as we break down the cheapest rates for six different automotive segments.

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What is average car insurance cost in Farmington?

In Farmington, the average cost of car insurance is $2,062 per year, which is 7.4% less than the national average rate of $2,221. Per month, Farmington car insurance costs approximately $172 per month for a full-coverage car insurance policy.

In the state of New Mexico, the average cost of car insurance is $2,164 per year, so the average cost in Farmington is $102 less per year. When compared to other locations in New Mexico, the average cost of auto insurance in Farmington is around $338 per year cheaper than in Albuquerque, $142 per year less than in Roswell, and $216 per year less than in Rio Rancho.

The age of the rated driver is the largest factor that influences the cost of car insurance, so the list below illustrates these differences by showing the difference in average car insurance rates in Farmington for different driver ages.

Average car insurance cost for Farmington, New Mexico, drivers age 16 to 60

  • 16-year-old rated driver – $7,350 per year or $613 per month
  • 17-year-old rated driver – $7,120 per year or $593 per month
  • 18-year-old rated driver – $6,380 per year or $532 per month
  • 19-year-old rated driver – $5,810 per year or $484 per month
  • 20-year-old rated driver – $4,152 per year or $346 per month
  • 30-year-old rated driver – $2,204 per year or $184 per month
  • 40-year-old rated driver – $2,062 per year or $172 per month
  • 50-year-old rated driver – $1,828 per year or $152 per month
  • 60-year-old rated driver – $1,714 per year or $143 per month

The next chart shows examples of average Farmington auto insurance cost. Rates are averaged for all Farmington Zip Codes and shown for a variety of driver ages, physical damage coverage deductibles, and driver risk profiles.

Average car insurance rates in Farmington for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Farmington for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year 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 car insurance cost in Farmington includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Farmington, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,744$395
Safe Driver Age 20$4,152$346
At-fault Accidents Age 40$2,920$243
Low Deductibles Age 40$2,700$225
Safe Driver Age 30$2,204$184
Safe Driver Age 40$2,062$172
Safe Driver Age 50$1,828$152
High Deductibles Age 40$1,736$145
Safe Driver Age 60$1,714$143
Discount Rate Age 40$1,714$143

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. Updated June 26, 2025

In the chart above, the cost of auto insurance in Farmington ranges from $1,714 per year for a 40-year-old driver who shops around for the cheapest Farmington car insurance rates to $4,744 per year for a 30-year-old driver who has to buy high risk car insurance. From a monthly budget standpoint, the average cost ranges from $143 to $395 per month.

Auto insurance rates can cost significantly different amounts and slight changes in a driver’s risk profile can cause large changes in car insurance premiums. The likelihood of significant rate variability stresses the need to get accurate car insurance quotes when shopping online for the cheapest rate.

The rates mentioned previously are averaged for every 2024 model year vehicle, which is handy when making overall comparisons like the cost difference between two locations.

For more in-depth car insurance rate comparisons, however, we get better data if we do a rate analysis for the specific model of vehicle being insured. Later in this article, we compare lots of rates for many different specific vehicles, but for now, let’s look at just a few of the more popular vehicles to see how auto insurance rates compare in Farmington.

The next chart breaks down average auto insurance rates in Farmington for some of the most popular cars, trucks, and SUVs. Later in this article, we will explore rates for some of these vehicles in much more detail.

Average cost to insure popular 2024 model year vehicles in Farmington.
Figure 2: Average cost to insure popular 2024 model year vehicles in Farmington. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Farmington Zip Codes.

Farmington, New Mexico Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,524$127
Mazda CX-5$1,682$140
Honda CR-V$1,760$147
Honda Civic$1,826$152
Nissan Rogue$1,854$155
Toyota Highlander$1,878$157
Ford Escape$1,882$157
Nissan Sentra$1,892$158
Chevrolet Equinox$1,900$158
Toyota RAV4$1,904$159
Chevrolet Traverse$1,926$161
Ford Ranger$1,972$164
Honda Accord$1,994$166
Honda Pilot$2,010$168
Kia Forte$2,014$168
Jeep Grand Cherokee$2,064$172
Hyundai Santa Fe$2,100$175
Toyota Camry$2,216$185
Hyundai Elantra$2,242$187
Chevrolet Silverado$2,280$190
GMC Sierra$2,280$190
Ford Bronco$2,288$191
Ford F150$2,310$193
Ram Truck$2,386$199

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

The vehicles that have high popularity in Farmington tend to be compact and midsize sedans like the Nissan Sentra, Hyundai Elantra, and Toyota Camry and compact and midsize SUVs like the Toyota RAV4, Chevy Equinox, and Ford Explorer.

A few additional popular models from other vehicle segments include luxury SUVs like the Cadillac XT5, Lexus RX 350, and Infiniti QX60, luxury cars like the Tesla Model S, Lexus ES 350, and Acura ILX, and pickup trucks like the Ford Ranger, Ram 1500, and Chevy Silverado.

We will explore many more car rates a little farther in this article, but first, let’s rehash some of the key concepts that we covered in the first section.

  • Farmington auto insurance rates are cheaper than the New Mexico state average – $2,062 (Farmington average) versus $2,164 (New Mexico average)
  • Auto insurance gets cheaper as you get older – Rates for a 50-year-old driver in Farmington are $2,324 per year cheaper than for a 20-year-old driver.
  • Car insurance rates decline considerably in your twenties – The average 30-year-old Farmington driver will pay $1,948 less per year than a 20-year-old driver, $2,204 versus $4,152.
  • Farmington, New Mexico, average car insurance cost is less than the U.S. average – $2,062 (Farmington average) compared to $2,221 (U.S. average)
  • Average cost per month ranges from $143 to $613 – That’s the average auto insurance price range for drivers from age 16 to 60 in Farmington, New Mexico.

What are the cheapest vehicles to insure in Farmington, NM?

The vehicles with the cheapest auto insurance quotes in Farmington tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, Buick Envision, and Nissan Kicks.

Average car insurance prices for those compact SUVs cost $1,678 or less per year, or $140 per month, for a full coverage policy.

Additional models that have low-cost insurance quotes in our car insurance price comparison are the Subaru Outback, Acura RDX, Volkswagen Taos, and Honda HR-V. Insurance is slightly more for those models than the compact SUVs and crossovers that rank near the top, but they still have an average cost of $1,796 or less per year, or $150 per month.

The table below shows the 25 car, truck, and SUV models with the cheapest auto insurance in Farmington, ordered starting with the cheapest.

Cheapest Car Insurance Rates in Farmington, New Mexico
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,524$127
2Chevrolet Trailblazer$1,552$129
3Kia Soul$1,612$134
4Nissan Kicks$1,624$135
5Honda Passport$1,642$137
6Buick Envision$1,652$138
7Toyota Corolla Cross$1,662$139
8Hyundai Venue$1,678$140
9Mazda CX-5$1,682$140
10Ford Bronco Sport$1,692$141
11Volkswagen Tiguan$1,708$142
12Acura RDX$1,724$144
13Nissan Murano$1,734$145
14Buick Encore$1,754$146
15Subaru Outback$1,758$147
16Honda CR-V$1,760$147
17Buick Envista$1,762$147
18Volkswagen Taos$1,768$147
19Kia Niro$1,778$148
20Toyota GR Corolla$1,792$149
21Honda HR-V$1,796$150
22Subaru Ascent$1,796$150
23Nissan Leaf$1,806$151
24Chevrolet Colorado$1,818$152
25Honda Civic$1,826$152

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 Farmington, NM Zip Codes. Updated June 26, 2025

Top 25 cheapest vehicles to insure in Farmington, NM with the Subaru Crosstrek ranking first at $1,524 per year
Top 25 cheapest vehicles to insure in Farmington, NM with the Subaru Crosstrek ranking first at $1,524 per year

A table showing 25 vehicles with the cheapest insurance in Farmington is great if you’re just looking for low rates. Considering the fact that we rate over 700 vehicles, there are a lot of rates not being shown. So let’s take a different approach and reorganize the vehicles with the best rates a slightly different way, by automotive segment.

The next section showcases the cost of insurance based on different automotive segments. This will give you a better understanding of which automotive segments have the most affordable Farmington car insurance rates. The six sections following the chart will break out the specific models that have the cheapest insurance rates for each automotive segment.

Average rates by automotive segment

If you’re looking to buy a different vehicle, it’s in your best interest to know which types of vehicles are more affordable to insure. For instance, you may be wondering if compact SUVs have cheaper insurance than compact cars or if full-size SUVs have more expensive car insurance than midsize or compact SUVs.

The chart below shows average auto insurance rates by segment in Farmington. From an overal segment perspective, compact and midsize SUVs, vans, and midsize pickups have the most affordable average car insurance rates, with luxury cars and sports cars having the most expensive rates.

Car insurance average cost by automotive segment in Farmington, NM.
Figure 3: Car insurance average cost by automotive segment in Farmington, 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 Farmington Zip Codes.

Car Insurance Rates by Automotive Segment in Farmington, NM
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,894$158
Midsize SUV$2,036$170
Compact Car$2,036$170
Minivan$2,040$170
Midsize Pickup$2,082$174
Midsize Car$2,104$175
Compact Luxury SUV$2,236$186
Compact Luxury Car$2,268$189
Large SUV$2,278$190
Half-ton Pickup$2,288$191
Heavy Duty Pickup$2,372$198
Midsize Luxury SUV$2,450$204
Midsize Luxury Car$2,530$211
Sports Car$2,836$236
Large Car$2,968$247
Large Luxury SUV$3,194$266
Large Luxury Car$3,300$275

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 Farmington, NM Zip Codes. Updated June 27, 2025

Rates by different vehicle segments are sufficient for comparing estimates, but insurance rates for specific models range quite a lot within each vehicle segment shown above.

For example, in the small car segment, rates range from the Toyota GR Corolla at $1,792 per year for a full coverage policy up to the Toyota Mirai at $2,568 per year. Also, in the midsize truck segment, the cost of insurance ranges from the Chevrolet Colorado costing $1,818 per year to the Rivian R1T at $2,572 per year, a difference of $754 within that segment.

In the next sections of the article, we will remove much of this variability by comparing the cost of auto insurance in Farmington on a model level.

Cheapest car insurance rates in Farmington

The most affordable non-luxury sedans to insure in Farmington are the Toyota GR Corolla at $1,792 per year, the Nissan Leaf at $1,806 per year, and the Honda Civic at $1,826 per year.

Some other cars that have affordable insurance rates include the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with average annual insurance rates of $2,012 per year or less.

From a monthly standpoint, full-coverage auto insurance on this segment in Farmington for a middle-age safe driver will start around $149 per month, depending on your company and location.

If prices are ranked by vehicle size, the cheapest non-luxury compact car to insure in Farmington is the Toyota GR Corolla at $1,792 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $1,988 per year. And for full-size cars, the Chrysler 300 has the most affordable rates at $1,966 per year.

The next table ranks the cars with the cheapest insurance rates in Farmington, starting with the Toyota GR Corolla at $1,792 per year ($149 per month) and ending with the Mazda 3 at $2,134 per year ($178 per month).

Cheapest Cars to Insure in Farmington, New Mexico
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,792$149
Nissan LeafCompact$1,806$151
Honda CivicCompact$1,826$152
Nissan SentraCompact$1,892$158
Subaru ImprezaCompact$1,896$158
Toyota PriusCompact$1,928$161
Kia K5Midsize$1,988$166
Honda AccordMidsize$1,994$166
Chevrolet MalibuMidsize$2,000$167
Toyota CorollaCompact$2,012$168
Kia ForteCompact$2,014$168
Volkswagen ArteonMidsize$2,028$169
Nissan VersaCompact$2,034$170
Subaru LegacyMidsize$2,036$170
Hyundai Ioniq 6Midsize$2,054$171
Mitsubishi Mirage G4Compact$2,082$174
Volkswagen JettaCompact$2,086$174
Toyota CrownMidsize$2,088$174
Hyundai SonataMidsize$2,092$174
Mazda 3Compact$2,134$178

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 Farmington, NM Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Farmington, NM, with the Toyota GR Corolla ranking first at $1,792 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Farmington, NM, with the Toyota GR Corolla ranking first at $1,792 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Need rates for a different vehicle? 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-rated companies in New Mexico.

Cheapest SUVs to insure in Farmington

The lowest-cost non-luxury SUVs to insure in Farmington are the Subaru Crosstrek at $1,524 per year, the Chevrolet Trailblazer at $1,552 per year, and the Kia Soul at $1,612 per year.

Not the cheapest to insure, but still ranked well, are SUVs like the Hyundai Venue, Buick Envision, Toyota Corolla Cross, and Ford Bronco Sport, with average insurance cost of $1,692 per year or less.

Full-coverage car insurance in this segment for a middle-age safe driver starts at an average of $127 per month, depending on your location and insurance company.

The cheapest non-luxury compact SUV to insure in Farmington is the Subaru Crosstrek at $1,524 per year. For midsize models, the Honda Passport has the best rates at $1,642 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,940 per year.

The comparison table below ranks the SUVs with the most affordable average insurance rates in Farmington.

Cheapest SUVs to Insure in Farmington, New Mexico
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,524$127
Chevrolet TrailblazerCompact$1,552$129
Kia SoulCompact$1,612$134
Nissan KicksCompact$1,624$135
Honda PassportMidsize$1,642$137
Buick EnvisionCompact$1,652$138
Toyota Corolla CrossCompact$1,662$139
Hyundai VenueCompact$1,678$140
Mazda CX-5Compact$1,682$140
Ford Bronco SportCompact$1,692$141
Volkswagen TiguanCompact$1,708$142
Nissan MuranoMidsize$1,734$145
Buick EncoreCompact$1,754$146
Subaru OutbackMidsize$1,758$147
Honda CR-VCompact$1,760$147
Buick EnvistaMidsize$1,762$147
Volkswagen TaosCompact$1,768$147
Kia NiroCompact$1,778$148
Honda HR-VCompact$1,796$150
Subaru AscentMidsize$1,796$150

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 Farmington, NM Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Farmington, NM, with the Subaru Crosstrek ranking first at $1,524 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Farmington, NM, with the Subaru Crosstrek ranking first at $1,524 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 SUV in the table above? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Farmington car insurance quotes from top-rated companies in New Mexico.

Cheap pickup trucks to insure in Farmington

The three top-ranked pickups with the most affordable insurance in Farmington are the Chevrolet Colorado at $1,818 per year, the Nissan Titan at $1,928 per year, and the Nissan Frontier at $1,952 per year.

Not the cheapest, but still very affordable, are models like the Honda Ridgeline, Toyota Tacoma, GMC Canyon, and Hyundai Santa Cruz, with an average car insurance cost of $2,122 per year or less.

From a monthly standpoint, full-coverage car insurance in this segment starts at around $152 per month, depending on your location and insurance company. The rate comparison table below ranks the pickups with the lowest-cost average auto insurance rates in Farmington, starting with the Chevrolet Colorado at $152 per month and ending with the Ram Truck at $199 per month.

Cheapest Pickups to Insure in Farmington, New Mexico
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,818$152
Nissan TitanFull-size$1,928$161
Nissan FrontierMidsize$1,952$163
Ford RangerMidsize$1,972$164
Ford MaverickMidsize$2,002$167
Honda RidgelineMidsize$2,046$171
Hyundai Santa CruzMidsize$2,082$174
Toyota TacomaMidsize$2,090$174
GMC Sierra 2500 HDHeavy Duty$2,100$175
GMC CanyonMidsize$2,122$177
Jeep GladiatorMidsize$2,174$181
GMC Sierra 3500Heavy Duty$2,186$182
Chevrolet Silverado HD 3500Heavy Duty$2,206$184
Chevrolet Silverado HD 2500Heavy Duty$2,264$189
Chevrolet SilveradoFull-size$2,280$190
GMC SierraFull-size$2,280$190
Nissan Titan XDHeavy Duty$2,280$190
Ford F150Full-size$2,310$193
GMC Hummer EV PickupFull-size$2,366$197
Ram TruckFull-size$2,386$199

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 Farmington, NM Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Farmington, NM, with the Chevrolet Colorado ranking first at $1,818 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Farmington, NM, with the Chevrolet Colorado ranking first at $1,818 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

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 Farmington car insurance quotes from top car insurance companies in New Mexico.

Sports cars with the best auto insurance rates

The five lowest-cost sports cars to insure in Farmington are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Insurance rates for these five models range from $1,910 to $2,314 per year.

Some other sports cars that have affordable insurance rates are the Nissan Z, BMW M2, Lexus RC F, and Subaru BRZ, with average cost of $2,468 per year or less.

From a monthly standpoint, car insurance in Farmington on this segment for a middle-age safe driver starts at an average of $159 per month, depending on your location and insurance company. The rate comparison table below ranks the twenty sports cars with the cheapest average insurance rates in Farmington, starting with the Mazda MX-5 Miata at $1,910 per year and ending with the Porsche Taycan at $3,494 per year.

Cheapest Sports Cars to Insure in Farmington, New Mexico
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,910$159
Toyota GR86Sports Car$2,176$181
Ford MustangSports Car$2,268$189
BMW Z4Sports Car$2,278$190
Subaru WRXSports Car$2,314$193
Toyota GR SupraSports Car$2,318$193
BMW M2Sports Car$2,386$199
Nissan ZSports Car$2,392$199
Lexus RC FSports Car$2,440$203
Subaru BRZSports Car$2,468$206
BMW M3Sports Car$2,606$217
Porsche 718Sports Car$2,656$221
Chevrolet CamaroSports Car$2,682$224
Chevrolet CorvetteSports Car$2,860$238
Porsche 911Sports Car$2,956$246
BMW M4Sports Car$3,080$257
Lexus LC 500Sports Car$3,094$258
Jaguar F-TypeSports Car$3,254$271
Mercedes-Benz AMG GT53Sports Car$3,416$285
Porsche TaycanSports Car$3,494$291

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 Farmington, NM Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Farmington, NM, with the Mazda MX-5 Miata ranking first at $1,910 per year.
Ranking of the cheapest sports cars to insure in Farmington, NM, with the Mazda MX-5 Miata ranking first at $1,910 per year.

Looking for a different vehicle? No sweat! 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.

Most affordable luxury car insurance rates

The Acura Integra takes the #1 ranking as the most affordable luxury car model to insure in Farmington, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model averages $1,834 per year for full-coverage insurance.

Additional models that have cheaper rates are the Cadillac CT4, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus ES 350, with average cost of $2,170 per year or less.

Additional 2024 luxury models that made the list include the Lexus IS 350, Lexus ES 300h, Jaguar XF, and BMW 228i, which average between $2,170 and $2,316 per year to insure in Farmington.

Full-coverage insurance for this segment in Farmington for a safe driver starts at an average of $153 per month, depending on the company and your location.

When prices are compared by vehicle size, the lowest-cost compact luxury car to insure in Farmington is the Acura Integra at $1,834 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,124 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $2,452 per year.

The rate comparison table below ranks the cars with the most affordable average car insurance rates in Farmington, starting with the Acura Integra at $153 per month and ending with the Audi S3 at $193 per month.

Cheapest Luxury Cars to Insure in Farmington, New Mexico
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,834$153
BMW 330iCompact$2,102$175
Mercedes-Benz CLA250Midsize$2,124$177
Lexus IS 300Midsize$2,126$177
Acura TLXCompact$2,136$178
Cadillac CT4Compact$2,156$180
Lexus ES 350Midsize$2,156$180
Genesis G70Compact$2,162$180
Mercedes-Benz AMG CLA35Midsize$2,166$181
Lexus RC 300Midsize$2,170$181
Lexus IS 350Compact$2,180$182
Jaguar XFMidsize$2,186$182
Cadillac CT5Midsize$2,222$185
Lexus ES 250Midsize$2,232$186
Lexus RC 350Compact$2,240$187
BMW 330eCompact$2,242$187
BMW 228iCompact$2,244$187
BMW 230iCompact$2,262$189
Lexus ES 300hMidsize$2,264$189
Audi S3Compact$2,316$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 trim levels available for each vehicle and also for all Farmington, NM Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Farmington, NM, with the Acura Integra ranking first at $1,834 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Farmington, NM, with the Acura Integra ranking first at $1,834 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in New Mexico.

Luxury SUVs with cheap auto insurance rates

The top three luxury SUV models with the cheapest insurance rates in Farmington are the Acura RDX at $1,724 per year, the Lexus NX 250 at $1,826 per year, and the Cadillac XT4 at $1,864 per year.

Additional models that rank well in our comparison include the Lincoln Corsair, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with average insurance cost of $1,988 per year or less.

From a monthly standpoint, full-coverage insurance in Farmington on this segment for a safe driver will start around $144 per month, depending on where you live and the company you use.

The most budget-friendly small luxury SUV to insure in Farmington is the Acura RDX at $1,724 per year. For midsize luxury SUVs, the Jaguar E-Pace is the cheapest model to insure at $1,928 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,316 per year.

The comparison table below ranks the luxury SUVs with the lowest-cost average insurance rates in Farmington.

Cheapest Luxury SUVs to Insure in Farmington, New Mexico
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,724$144
Lexus NX 250Compact$1,826$152
Cadillac XT4Compact$1,864$155
Jaguar E-PaceMidsize$1,928$161
Cadillac XT5Midsize$1,948$162
Lexus NX 350hCompact$1,948$162
Lincoln CorsairCompact$1,972$164
Mercedes-Benz GLB 250Compact$1,976$165
Lexus UX 250hCompact$1,978$165
Lexus NX 450hCompact$1,988$166
Infiniti QX50Midsize$2,006$167
Mercedes-Benz GLA250Compact$2,012$168
Cadillac XT6Midsize$2,018$168
Mercedes-Benz GLA35 AMGCompact$2,020$168
Infiniti QX60Midsize$2,030$169
Mercedes-Benz AMG GLB35Midsize$2,034$170
Acura MDXMidsize$2,060$172
Land Rover EvoqueCompact$2,060$172
Lexus NX 350Compact$2,070$173
Lexus RX 350Midsize$2,070$173

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 Farmington, NM Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Farmington, NM, with the Acura RDX ranking first at $1,724 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Farmington, NM, with the Acura RDX ranking first at $1,724 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Farmington car insurance quotes from top companies in New Mexico.

Driver profile affects the price of car insurance

To try to clarify the amount that auto insurance prices can fluctuate between drivers, the examples below show a large range of rates for three popular models in Farmington: the Ford F150, Toyota Corolla, and Nissan Rogue.

Each chart uses different driver and policy risk profiles to demonstrate the difference in price when minor changes are made to the driver profile.

Ford F150 insurance rates

Ford F150 insurance in Farmington costs an average of $2,310 per year (about $193 per month) and ranges from $1,914 to $5,332.

Average 2024 Ford F150 insurance premiums in Farmington for different driver ages and risk scenarios.
Figure 4: Average 2024 Ford F150 insurance premiums in Farmington for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 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 F150 car insurance cost in Farmington includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Farmington, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,332$444
Safe Driver Age 20$4,666$389
At-fault Accidents Age 40$3,276$273
Low Deductibles Age 40$3,024$252
Safe Driver Age 30$2,462$205
Safe Driver Age 40$2,310$193
Safe Driver Age 50$2,046$171
High Deductibles Age 40$1,940$162
Discount Rate Age 40$1,914$160
Safe Driver Age 60$1,912$159

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 F150 trim levels. Updated June 26, 2025

The Ford F150 is a full-size truck, and additional similar models from the same segment include the Nissan Titan, Toyota Tundra, Ram Truck, and GMC Sierra.

Toyota Corolla insurance rates

Toyota Corolla insurance in Farmington costs an average of $2,012 per year ($168 per month) and varies from $1,668 to $4,608 per year.

Average 2024 Toyota Corolla insurance premiums in Farmington for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Corolla insurance premiums in Farmington for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla 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 Toyota Corolla car insurance cost in Farmington includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Farmington, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,608$384
Safe Driver Age 20$4,020$335
At-fault Accidents Age 40$2,852$238
Low Deductibles Age 40$2,580$215
Safe Driver Age 30$2,138$178
Safe Driver Age 40$2,012$168
Safe Driver Age 50$1,790$149
High Deductibles Age 40$1,716$143
Safe Driver Age 60$1,674$140
Discount Rate Age 40$1,668$139

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 Toyota Corolla trim levels. Updated June 27, 2025

The Toyota Corolla is considered a compact car, and other similar models include the Nissan Sentra, Chevrolet Cruze, and Volkswagen Jetta.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Farmington averages $1,854 per year, or about $155 per month, and ranges from $1,540 to $4,236 per year.

Average 2024 Nissan Rogue insurance premiums in Farmington for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Rogue insurance premiums in Farmington for different driver ages and risk scenarios. Rates updated on June 26, 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 Farmington includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Farmington, NM
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,236$353
Safe Driver Age 20$3,696$308
At-fault Accidents Age 40$2,626$219
Low Deductibles Age 40$2,384$199
Safe Driver Age 30$1,970$164
Safe Driver Age 40$1,854$155
Safe Driver Age 50$1,652$138
High Deductibles Age 40$1,576$131
Safe Driver Age 60$1,542$129
Discount Rate Age 40$1,540$128

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 26, 2025

The Nissan Rogue is a compact SUV, and other popular same-segment models include the Toyota RAV4, Chevrolet Equinox, Mazda CX-5, and Subaru Forester.

How to find cheaper Farmington car insurance

Farmington drivers are often looking to pay less for auto insurance So glance through the savings tips in the list below and it’s very possible you can save a little cash on your next renewal.

  • Fewer violations means cheaper rates. If you want to get the cheapest auto insurance in Farmington, it makes good sense to be a safe driver. Just a couple of minor incidents on your driving report could raise rates as much as $550 per year. Major convictions like DWI/DUI and reckless driving could raise rates by an additional $1,918 or more.
  • Great credit can mean great car insurance rates. Having a credit score above 800 may save $324 per year compared to a decent credit rating of 670-739. Conversely, a subpar credit rating could cost as much as $375 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Be a careful driver and save. Too many at-fault accidents can cost more, possibly by an additional $2,948 per year for a 20-year-old driver and even as much as $624 per year for a 50-year-old driver. So be safe and save.
  • Higher deductibles mean lower cost. Boosting your physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Your employer could lower your rates. Some auto insurance companies offer policy discounts for specific occupations like lawyers, college professors, members of the military, architects, scientists, nurses, and others. Being employed in a qualifying profession may save between $62 and $201 on your yearly auto insurance premium, depending on your policy.
  • Policy discounts mean cheaper auto insurance. Discounts may be available if the insureds are loyal customers, drive a vehicle with safety or anti-theft features, are senior citizens, insure multiple vehicles on the same policy, are good students, or many other policy discounts which could save the average Farmington driver as much as $348 per year on auto insurance.
  • Choose a vehicle that is cheaper to insure. The make and model of vehicle you drive is one of the primary factors in the price you pay for insurance. As an example, a Kia Sportage costs $936 less per year to insure in Farmington than a Porsche 911. Lower performance vehicles save money.