- Rio Rancho car insurance cost averages $2,324 per year, or approximately $194 per month, for a full-coverage policy.
- Car insurance rates for a few popular models in Rio Rancho include the Subaru Outback at $165 per month, Toyota Tacoma at $196, and Nissan Altima at $210.
- Crossover vehicles like the Honda CR-V, Buick Envision, and Kia Soul have the best chance of receiving cheap car insurance in Rio Rancho.
- A few models with segment-leading car insurance rates include the Toyota GR Corolla, Jaguar E-Pace, Chevrolet Colorado, and Kia K5.
- Auto insurance quotes in Rio Rancho can vary significantly from as little as $35 per month for the minimum required liability coverage to over $678 per month for accident or violation prone drivers.
What is average car insurance cost in Rio Rancho?
Average car insurance rates in Rio Rancho cost $2,324 per year, or approximately $194 per month. When compared to the overall U.S. national average rate, Rio Rancho car insurance cost is 2.1% more expensive per year.
Average auto insurance cost in New Mexico is $2,210 per year, so Rio Rancho drivers pay an average of $114 more per year than the overall New Mexico state-wide average rate. The cost to insure a vehicle in Rio Rancho compared to other New Mexico locations is around $76 per year more than in Roswell, $118 per year cheaper than in Albuquerque, and $62 per year more expensive than in Santa Fe.
The next chart shows a summary of auto insurance rates in Rio Rancho for 2024 model year vehicles, averaged based on a variety of driver ages, physical damage deductibles, and driver risk profiles.
Average rates in the previous chart range from $1,928 per year for a middle-aged driver who meets many discount requirements to $5,344 per year for a 20-year-old driver with a lot of violations and accidents. The rate we use for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which is an average cost of $2,324 per year in Rio Rancho.
As a monthly expense, the average cost to insure a car in Rio Rancho ranges from $161 to $445 for the same driver risk profiles shown in the prior chart.
Car insurance rates can cost significantly different amounts and slight changes in driver risk profiles can have enormous effects on car insurance cost. This wide range of possible rates reinforces the need for accurate free auto insurance quotes when shopping online for more affordable coverage.
The age of the driver has the biggest impact on the cost of auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates based on the age of the driver.
Average cost of car insurance in Rio Rancho, New Mexico, by driver age
- 16 year old – $8,273 per year or $689 per month
- 17 year old – $8,018 per year or $668 per month
- 18 year old – $7,183 per year or $599 per month
- 19 year old – $6,543 per year or $545 per month
- 20 year old – $4,674 per year or $390 per month
- 30 year old – $2,482 per year or $207 per month
- 40 year old – $2,324 per year or $194 per month
- 50 year old – $2,060 per year or $172 per month
- 60 year old – $1,928 per year or $161 per month
Car insurance rates for popular vehicles
The previously discussed car insurance rates take the cost to insure each 2024 vehicle model and average them, which is handy for making big picture comparisons such as the average cost difference between two New Mexico cities.
Average auto insurance rates are great when presented with a question like “are car insurance rates in Rio Rancho cheaper than in Las Cruces?” or “are New Mexico car insurance rates cheaper than in Illinois?”.
But for more in-depth auto insurance comparisons, it makes sense to compare rates for the specific model of vehicle being insured. Each individual model has different risk exposures for rating purposes and this data enables us to make cost comparisons.
The chart below shows average insurance cost for some of the more popular vehicles on the roads of Rio Rancho.
Which vehicles have the cheapest car insurance rates?
From an overall standpoint, the vehicles with the best car insurance prices in Rio Rancho tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Hyundai Venue.
Average auto insurance prices for those small SUVs cost $157 or less per month to get full coverage.
Additional models that are highly ranked in the cost comparison table are the Volkswagen Tiguan, Subaru Outback, Nissan Murano, and Buick Envista. The average cost is somewhat higher for those models than the crossover SUVs that rank at the top, but they still have an average cost of $2,020 or less per year, or $168 per month in Rio Rancho.
The following table ranks the cheapest vehicles to insure in Rio Rancho, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,718 | $143 |
| 2 | Chevrolet Trailblazer | $1,746 | $146 |
| 3 | Kia Soul | $1,812 | $151 |
| 4 | Nissan Kicks | $1,830 | $153 |
| 5 | Honda Passport | $1,852 | $154 |
| 6 | Buick Envision | $1,864 | $155 |
| 7 | Toyota Corolla Cross | $1,874 | $156 |
| 8 | Hyundai Venue | $1,886 | $157 |
| 9 | Mazda CX-5 | $1,898 | $158 |
| 10 | Ford Bronco Sport | $1,902 | $159 |
| 11 | Volkswagen Tiguan | $1,924 | $160 |
| 12 | Acura RDX | $1,944 | $162 |
| 13 | Nissan Murano | $1,952 | $163 |
| 14 | Buick Encore | $1,974 | $165 |
| 15 | Honda CR-V | $1,980 | $165 |
| 16 | Subaru Outback | $1,982 | $165 |
| 17 | Buick Envista | $1,988 | $166 |
| 18 | Volkswagen Taos | $1,992 | $166 |
| 19 | Kia Niro | $2,000 | $167 |
| 20 | Toyota GR Corolla | $2,020 | $168 |
| 21 | Subaru Ascent | $2,022 | $169 |
| 22 | Honda HR-V | $2,024 | $169 |
| 23 | Nissan Leaf | $2,034 | $170 |
| 24 | Chevrolet Colorado | $2,046 | $171 |
| 25 | Honda Civic | $2,056 | $171 |
| 26 | Lexus NX 250 | $2,058 | $172 |
| 27 | Volkswagen Atlas | $2,062 | $172 |
| 28 | Acura Integra | $2,066 | $172 |
| 29 | Subaru Forester | $2,070 | $173 |
| 30 | Volkswagen Atlas Cross Sport | $2,070 | $173 |
| 31 | Kia Seltos | $2,076 | $173 |
| 32 | GMC Terrain | $2,080 | $173 |
| 33 | Nissan Rogue | $2,090 | $174 |
| 34 | Hyundai Kona | $2,092 | $174 |
| 35 | Mazda CX-30 | $2,096 | $175 |
| 36 | Cadillac XT4 | $2,098 | $175 |
| 37 | Ford Explorer | $2,108 | $176 |
| 38 | Volkswagen ID4 | $2,108 | $176 |
| 39 | Toyota Highlander | $2,112 | $176 |
| 40 | Ford Escape | $2,120 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rio Rancho, NM Zip Codes. Updated October 24, 2025
A table showing 40 vehicle rankings probably isn’t the best way to show a complete summary of the cost of auto insurance in Rio Rancho. A more thorough way to group and rank auto insurance rates in a practical manner is to break them out by automotive segment.
The section below details the average cost to insure each different vehicle segment. The rates shown will provide a decent idea of the automotive segments that have the cheapest Rio Rancho auto insurance rates. The six sections after the chart display the specific models that have the cheapest insurance rates for the most popular segments.
Rio Rancho auto insurance rates by vehicle segment
If you’re considering buying a different vehicle, it’s a good idea to have a basic understanding of which types of vehicles are cheaper to insure. As an example, you may be wondering if midsize SUVs have more affordable insurance than small SUVs or if full-size pickups cost more to insure than midsize pickups.
The next chart shows the average car insurance cost in Rio Rancho for each automotive segment. As a general rule, compact SUVs, midsize trucks, and minivans tend to have the least expensive rates, with luxury cars and sports cars having the highest average cost to insure.
Average car insurance rates by segment are fine for overall comparisons, but rates vary significantly within each vehicle category shown in the chart above.
For example, in the midsize SUV segment, rates range from the Honda Passport at $1,852 per year to the Rivian R1S costing $2,858 per year. Also, in the large SUV segment, insurance rates range from the Chevrolet Tahoe at $2,182 per year up to the Toyota Sequoia costing $2,908 per year, a difference of $726 within that segment.
In the next parts of this article, we reduce this variability by looking at average car insurance rates from a model perspective rather than by segment.
Cheapest cars to insure in Rio Rancho, NM
For 2024 models, the five most budget-friendly non-luxury cars to insure in Rio Rancho are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average insurance rates for for these five models range from $2,020 to $2,136 per year.
Other models that have cheaper rates include the Toyota Corolla, Toyota Prius, Honda Accord, and Kia K5, with average insurance cost of $2,264 per year or less.
From a cost per month standpoint, auto insurance rates in Rio Rancho on this segment for a safe driver can cost as low as $168 per month, depending on the company and your location.
The table below ranks the cars with the cheapest average car insurance rates in Rio Rancho, starting with the Toyota GR Corolla at $2,020 per year and ending with the Mazda 3 at $2,404 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,020 | $168 |
| Nissan Leaf | Compact | $2,034 | $170 |
| Honda Civic | Compact | $2,056 | $171 |
| Nissan Sentra | Compact | $2,130 | $178 |
| Subaru Impreza | Compact | $2,136 | $178 |
| Toyota Prius | Compact | $2,172 | $181 |
| Kia K5 | Midsize | $2,240 | $187 |
| Honda Accord | Midsize | $2,244 | $187 |
| Chevrolet Malibu | Midsize | $2,254 | $188 |
| Toyota Corolla | Compact | $2,264 | $189 |
| Kia Forte | Compact | $2,268 | $189 |
| Volkswagen Arteon | Midsize | $2,284 | $190 |
| Nissan Versa | Compact | $2,288 | $191 |
| Subaru Legacy | Midsize | $2,294 | $191 |
| Hyundai Ioniq 6 | Midsize | $2,312 | $193 |
| Mitsubishi Mirage G4 | Compact | $2,344 | $195 |
| Toyota Crown | Midsize | $2,350 | $196 |
| Volkswagen Jetta | Compact | $2,350 | $196 |
| Hyundai Sonata | Midsize | $2,354 | $196 |
| Mazda 3 | Compact | $2,404 | $200 |
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 Rio Rancho, NM Zip Codes. Updated October 24, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Don’t see insurance cost for your 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 companies in New Mexico.
Cheapest SUVs to insure in Rio Rancho
Taking the top spot in Rio Rancho for the lowest-cost average insurance in the non-luxury SUV segment is the Subaru Crosstrek, coming in at $1,718 per year. Second place is the Chevrolet Trailblazer at $1,746 per year, and third place goes to the Kia Soul, costing an average of $1,812 per year.
Additional SUVs that are affordable to insure are the Ford Bronco Sport, Toyota Corolla Cross, Buick Envision, and Hyundai Venue, with average annual insurance rates of $1,902 per year or less.
In the bottom half of the top 20, models like the Subaru Ascent, Kia Niro, Honda CR-V, Buick Encore, and Subaru Outback average between $1,902 and $2,022 per year for insurance in Rio Rancho.
From a cost per month standpoint, full-coverage insurance in Rio Rancho on this segment for a safe driver will start around $143 per month, depending on your location and insurance company.
If insurance rates are ranked by vehicle size, the most affordable non-luxury compact SUV to insure in Rio Rancho is the Subaru Crosstrek at $1,718 per year, or $143 per month. For midsize models, the Honda Passport has the cheapest rates at $1,852 per year, or $154 per month. And for full-size SUVs, the Chevrolet Tahoe has the cheapest rates at $2,182 per year, or $182 per month.
The rate comparison table below ranks the twenty SUVs with the most affordable insurance rates in Rio Rancho.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,718 | $143 |
| Chevrolet Trailblazer | Compact | $1,746 | $146 |
| Kia Soul | Compact | $1,812 | $151 |
| Nissan Kicks | Compact | $1,830 | $153 |
| Honda Passport | Midsize | $1,852 | $154 |
| Buick Envision | Compact | $1,864 | $155 |
| Toyota Corolla Cross | Compact | $1,874 | $156 |
| Hyundai Venue | Compact | $1,886 | $157 |
| Mazda CX-5 | Compact | $1,898 | $158 |
| Ford Bronco Sport | Compact | $1,902 | $159 |
| Volkswagen Tiguan | Compact | $1,924 | $160 |
| Nissan Murano | Midsize | $1,952 | $163 |
| Buick Encore | Compact | $1,974 | $165 |
| Honda CR-V | Compact | $1,980 | $165 |
| Subaru Outback | Midsize | $1,982 | $165 |
| Buick Envista | Midsize | $1,988 | $166 |
| Volkswagen Taos | Compact | $1,992 | $166 |
| Kia Niro | Compact | $2,000 | $167 |
| Subaru Ascent | Midsize | $2,022 | $169 |
| Honda HR-V | Compact | $2,024 | $169 |
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 Rio Rancho, NM Zip Codes. Updated October 24, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Looking for rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in New Mexico.
Cheapest luxury cars to insure in Rio Rancho
Taking the top ranking in Rio Rancho for cheapest auto insurance in the luxury sedan segment is the Acura Integra, at $2,066 per year. Second place is the BMW 330i costing $2,366 per year, third place goes to the Mercedes-Benz CLA250, costing an average of $2,390 per year, and the fourth most affordable is the Lexus IS 300, at an average of $2,396 per year.
Additional models that have cheaper rates are the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Mercedes-Benz AMG CLA35, with an average car insurance cost of $2,442 per year or less.
Some additional 2024 models that rank well include the Cadillac CT5, Lexus ES 250, Jaguar XF, BMW 330e, and Audi S3, which average between $2,442 and $2,604 per year for auto insurance.
From a cost per month standpoint, full-coverage car insurance in this segment for an average middle-age driver starts at around $172 per month, depending on the company and where you live.
If insurance rates are ranked by vehicle size, the cheapest small luxury car to insure in Rio Rancho is the Acura Integra at $2,066 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,390 per year. And for large luxury car models, the Audi A5 is most affordable to insure at $2,760 per year.
The table below ranks the cars with the lowest-cost average car insurance rates in Rio Rancho, starting with the Acura Integra at $172 per month and ending with the Audi S3 at $217 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,066 | $172 |
| BMW 330i | Compact | $2,366 | $197 |
| Mercedes-Benz CLA250 | Midsize | $2,390 | $199 |
| Lexus IS 300 | Midsize | $2,396 | $200 |
| Acura TLX | Compact | $2,404 | $200 |
| Cadillac CT4 | Compact | $2,426 | $202 |
| Lexus ES 350 | Midsize | $2,426 | $202 |
| Genesis G70 | Compact | $2,432 | $203 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,436 | $203 |
| Lexus RC 300 | Midsize | $2,442 | $204 |
| Lexus IS 350 | Compact | $2,452 | $204 |
| Jaguar XF | Midsize | $2,460 | $205 |
| Cadillac CT5 | Midsize | $2,504 | $209 |
| Lexus ES 250 | Midsize | $2,514 | $210 |
| Lexus RC 350 | Compact | $2,520 | $210 |
| BMW 330e | Compact | $2,524 | $210 |
| BMW 228i | Compact | $2,528 | $211 |
| BMW 230i | Compact | $2,546 | $212 |
| Lexus ES 300h | Midsize | $2,552 | $213 |
| Audi S3 | Compact | $2,604 | $217 |
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 Rio Rancho, NM Zip Codes. Updated October 24, 2025
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Don’t see rates for your luxury car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Rio Rancho car insurance quotes from the best companies in New Mexico.
Cheapest luxury SUV insurance rates in Rio Rancho
The four lowest-cost luxury SUV models to insure in Rio Rancho are the Acura RDX at $1,944 per year, Lexus NX 250 at $2,058 per year, Cadillac XT4 at $2,098 per year, and Jaguar E-Pace at $2,174 per year.
Also ranking in the top 10 are SUVs like the Lexus NX 450h, Lexus NX 350h, Lexus UX 250h, and Lincoln Corsair, with average rates of $2,242 per year or less.
Some additional models that make the list include the Infiniti QX60, Cadillac XT6, Acura MDX, and Infiniti QX50, which average between $2,242 and $2,334 per year for full-coverage insurance.
On a monthly basis, full-coverage car insurance on this segment in Rio Rancho for a middle-age safe driver can cost as low as $162 per month, depending on where you live. The rate comparison table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Rio Rancho, starting with the Acura RDX at $1,944 per year ($162 per month) and ending with the Lexus RX 350 at $2,334 per year ($195 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,944 | $162 |
| Lexus NX 250 | Compact | $2,058 | $172 |
| Cadillac XT4 | Compact | $2,098 | $175 |
| Jaguar E-Pace | Midsize | $2,174 | $181 |
| Cadillac XT5 | Midsize | $2,192 | $183 |
| Lexus NX 350h | Compact | $2,192 | $183 |
| Lincoln Corsair | Compact | $2,220 | $185 |
| Mercedes-Benz GLB 250 | Compact | $2,224 | $185 |
| Lexus UX 250h | Compact | $2,228 | $186 |
| Lexus NX 450h | Compact | $2,242 | $187 |
| Infiniti QX50 | Midsize | $2,260 | $188 |
| Mercedes-Benz GLA250 | Compact | $2,266 | $189 |
| Cadillac XT6 | Midsize | $2,274 | $190 |
| Mercedes-Benz GLA35 AMG | Compact | $2,274 | $190 |
| Infiniti QX60 | Midsize | $2,286 | $191 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,288 | $191 |
| Land Rover Evoque | Compact | $2,320 | $193 |
| Acura MDX | Midsize | $2,322 | $194 |
| Lexus NX 350 | Compact | $2,330 | $194 |
| Lexus RX 350 | Midsize | $2,334 | $195 |
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 Rio Rancho, NM Zip Codes. Updated October 24, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Rio Rancho car insurance quotes from top companies in New Mexico.
Cheapest pickup truck insurance rates in Rio Rancho
Out of all 2024 models, the top five most affordable pickup trucks to insure in Rio Rancho are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Average insurance rates for for these five models range from $2,046 to $2,254 per year.
Not the cheapest pickups to insure, but still very reasonable, are models like the Toyota Tacoma, GMC Canyon, Honda Ridgeline, and GMC Sierra 2500 HD, with an average car insurance cost of $2,392 per year or less.
Auto insurance rates in Rio Rancho for this segment for an average middle-age driver starts at around $171 per month, depending on the company. The comparison table below ranks the twenty pickups with the lowest-cost insurance in Rio Rancho, starting with the Chevrolet Colorado at $2,046 per year ($171 per month) and ending with the Ram Truck at $2,686 per year ($224 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,046 | $171 |
| Nissan Titan | Full-size | $2,174 | $181 |
| Nissan Frontier | Midsize | $2,198 | $183 |
| Ford Ranger | Midsize | $2,220 | $185 |
| Ford Maverick | Midsize | $2,254 | $188 |
| Honda Ridgeline | Midsize | $2,306 | $192 |
| Hyundai Santa Cruz | Midsize | $2,346 | $196 |
| Toyota Tacoma | Midsize | $2,354 | $196 |
| GMC Sierra 2500 HD | Heavy Duty | $2,364 | $197 |
| GMC Canyon | Midsize | $2,392 | $199 |
| Jeep Gladiator | Midsize | $2,448 | $204 |
| GMC Sierra 3500 | Heavy Duty | $2,462 | $205 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,484 | $207 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,550 | $213 |
| GMC Sierra | Full-size | $2,568 | $214 |
| Chevrolet Silverado | Full-size | $2,570 | $214 |
| Nissan Titan XD | Heavy Duty | $2,570 | $214 |
| Ford F150 | Full-size | $2,598 | $217 |
| GMC Hummer EV Pickup | Full-size | $2,664 | $222 |
| Ram Truck | Full-size | $2,686 | $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 Rio Rancho, NM Zip Codes. Updated October 24, 2025
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Looking for insurance rates for a different truck? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Rio Rancho car insurance quotes from top-rated companies in New Mexico.
Cheapest sports car insurance rates in Rio Rancho, NM
The top five models for the lowest-cost Rio Rancho auto insurance rates in the performance and sports car segment are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Car insurance rates for these 2024 models average $2,606 or less per year, or around $217 per month.
Also ranking well are models like the Subaru BRZ, Nissan Z, Lexus RC F, and BMW M2, with average rates of $2,778 per year or less.
Some additional 2024 models worth mentioning include the Chevrolet Corvette, BMW M3, Porsche 718, Lexus LC 500, and Chevrolet Camaro, which average between $2,778 and $3,936 to insure per year in Rio Rancho.
From a monthly standpoint, auto insurance rates on this segment in Rio Rancho for the average driver starts at around $179 per month, depending on the company. The table below ranks the sports cars with the most affordable insurance in Rio Rancho, starting with the Mazda MX-5 Miata at $2,150 per year and ending with the Porsche Taycan at $3,936 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,150 | $179 |
| Toyota GR86 | Sports Car | $2,448 | $204 |
| Ford Mustang | Sports Car | $2,554 | $213 |
| BMW Z4 | Sports Car | $2,568 | $214 |
| Subaru WRX | Sports Car | $2,606 | $217 |
| Toyota GR Supra | Sports Car | $2,612 | $218 |
| BMW M2 | Sports Car | $2,688 | $224 |
| Nissan Z | Sports Car | $2,692 | $224 |
| Lexus RC F | Sports Car | $2,746 | $229 |
| Subaru BRZ | Sports Car | $2,778 | $232 |
| BMW M3 | Sports Car | $2,934 | $245 |
| Porsche 718 | Sports Car | $2,992 | $249 |
| Chevrolet Camaro | Sports Car | $3,018 | $252 |
| Chevrolet Corvette | Sports Car | $3,216 | $268 |
| Porsche 911 | Sports Car | $3,330 | $278 |
| BMW M4 | Sports Car | $3,466 | $289 |
| Lexus LC 500 | Sports Car | $3,486 | $291 |
| Jaguar F-Type | Sports Car | $3,668 | $306 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,846 | $321 |
| Porsche Taycan | Sports Car | $3,936 | $328 |
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 Rio Rancho, NM Zip Codes. Updated October 24, 2025
Looking for a different vehicle? Not a 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 top auto insurance companies in Rio Rancho.
Best practices for saving money on car insurance
Rio Rancho drivers are always looking to reduce the monthly expense for insurance So run through the money-saving ideas below and it’s very possible you can save a little cash on your next policy.
- More discounts equals more savings. Discounts may be available if the insured drivers are good students, sign their policy early, are senior citizens, are military or federal employees, belong to certain professional organizations, or many other policy discounts which could save the average Rio Rancho driver as much as $396 per year.
- Excellent credit equals excellent rates. Having an excellent credit rating above 800 could save up to $365 per year when compared to a credit rating between 670-739. Conversely, poor credit could cost as much as $423 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Don’t file small claims. Insurance companies give a discounted rate if you have no claims. Car insurance is intended to be used in the case of significant claims, not minor claims.
- Shop around often. Taking a couple of minutes every year or so to get a few free car insurance quotes is our top recommendation for saving money on car insurance. Companies change rates often and you do not have to wait for your renewal to change companies.
- Compare insurance cost before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance rates, and auto insurance companies charge very different rates. Check the price before you buy a new vehicle in order to avoid insurance sticker shock when buying insurance.
- Buy vehicles with low cost insurance rates. The performance of the vehicle you drive is a primary factor in the cost of car insurance in Rio Rancho. For example, a Volvo XC40 costs $1,924 less per year to insure in Rio Rancho than a BMW i8. Lower performance vehicles cost less to insure.