Car Insurance Cost in Roswell, NM – Cheapest Quotes + Rankings (2025)

• Roswell car insurance averages $2,204 per year, or around $184 per month for a full coverage policy.
• Monthly car insurance rates for a few popular models in Roswell include the Ford Escape at $168, Honda CR-V at $157, and Chevrolet Silverado at $203.
• For cheap car insurance in Roswell, NM, compact SUVs like the Buick Encore, Buick Envision, and Chevrolet Trailblazer have some of the best auto insurance rates.
• A few vehicles with segment-leading car insurance rates include the Mercedes-Benz CLA250, Acura Integra, Chevrolet Colorado, Chevrolet Tahoe, and Kia K5.

How much does car insurance cost in Roswell?

In Roswell, the average cost to insure a vehicle is $2,204 per year, which is 0.8% less than the U.S. average rate of $2,221. Per month, Roswell car insurance costs around $184 for a policy with full coverage.

Average car insurance cost in New Mexico is $2,164 per year, so Roswell, New Mexico, drivers pay an average of $40 more per year than the overall New Mexico state-wide average rate. The cost of insurance in Roswell compared to other New Mexico cities is approximately $12 per year less than in Santa Fe, $196 per year less than in Albuquerque, and $134 per year more expensive than in Las Cruces.

The age of the driver has the single biggest impact on the cost of auto insurance. The list below illustrates this by breaking down average car insurance rates in Roswell for driver ages 16 through 60.

Roswell, New Mexico, car insurance cost by driver age

• 16-year-old driver – $7,856 per year or $655 per month
• 17-year-old driver – $7,606 per year or $634 per month
• 18-year-old driver – $6,820 per year or $568 per month
• 19-year-old driver – $6,207 per year or $517 per month
• 20-year-old driver – $4,436 per year or $370 per month
• 30-year-old driver – $2,354 per year or $196 per month
• 40-year-old driver – $2,204 per year or $184 per month
• 50-year-old driver – $1,954 per year or $163 per month
• 60-year-old driver – $1,830 per year or $153 per month

The chart below shows average auto insurance cost in Roswell broken out not only for different driver ages, but also for different physical damage deductibles. Rates are averaged for all 2024 vehicle models including luxury vehicles.

Average rates in the previous chart range from $1,548 per year for a 60-year-old driver with $1,000 deductibles for comprehensive and collision coverage to $5,158 per year for a 20-year-old driver with $250 deductibles. The rate used in this article for comparison of different segments, models, and locations is a 40-year-old driver with $500 physical damage deductibles, which has an average cost of $2,204 per year.

As a monthly price, the average cost to insure a vehicle in Roswell ranges from $129 to $430 for the same annual rate data shown in the chart above.

Roswell car insurance rates are not the same for everyone and can also be very different depending on the company. This amount of variability stresses the need for multiple auto insurance quotes when shopping online for more affordable auto insurance.

Cost of car insurance for popular models

The previously referenced car insurance rates are averaged for all 2024 vehicle models, which is suitable when making broad comparisons like the difference in average auto insurance cost for two different locations in New Mexico. For more in-depth rate comparisons, however, the data will be more precise if we do a rate analysis for the specific make and model of vehicle being insured.

If you read farther in this article, we compare all kinds of car insurance rates for specific makes and models of vehicles, but for now, we will just use the more popular vehicles to find out how car insurance rates measure up in Roswell.

The chart below displays the cost of car insurance in Roswell for some of the more popular vehicles.

Models that are popular in Roswell tend to be compact or midsize sedans like the Honda Civic, Nissan Sentra, and Nissan Altima and compact and midsize SUVs like the Toyota RAV4, Honda CR-V, and Subaru Outback.

Additional popular models from different automotive segments include luxury SUVs like the Infiniti QX60, Acura MDX, and Lexus RX 350, luxury cars like the Acura ILX, Lexus ES 350, and Infiniti Q50, and pickup trucks like the Ford F-150, Chevy Silverado, and Toyota Tacoma.

We will explore auto insurance rates for many more models later in this article, but before we get into those numbers, let’s look at the important concepts that we covered in the prior data.

• Car insurance with low deductibles costs more – A 30-year-old driver pays an average of $598 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Car insurance for teenagers can cost a lot – Average cost ranges from $5,251 to $7,856 per year for teen driver car insurance in Roswell, NM.
• Auto insurance rates decrease a lot from age 20 to 30 – The average 30-year-old Roswell, NM, driver will pay $2,082 less per year than a 20-year-old driver, $2,354 compared to $4,436.
• Roswell, NM, average car insurance cost is less than the U.S. average – $2,204 (Roswell average) compared to $2,221 (U.S. average)
• Roswell auto insurance prices are more expensive than the New Mexico state average – $2,204 (Roswell average) compared to $2,164 (New Mexico average)
• Car insurance gets cheaper the older you are – Car insurance rates for a 40-year-old driver in Roswell are $2,232 per year cheaper than for a 20-year-old driver.

Which vehicles have cheap insurance in Roswell?

When rates are compared for all vehicles, the models with the best car insurance quotes in Roswell, NM, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average car insurance prices for those crossover SUVs cost $1,794 or less per year to have full coverage.

Some other vehicles that have affordable insurance rates in our insurance cost comparison are the Subaru Outback, Honda CR-V, Nissan Murano, and Volkswagen Tiguan. Average cost is a few dollars per month higher for those models than the cheapest crossovers and compact SUVs that rank near the top, but they still have average rates of $1,918 or less per year, or about $160 per month in Roswell.

The following table ranks the 30 car, truck, and SUV models with the cheapest auto insurance in Roswell, ordered by annual cost.

A table of 30 vehicles with the cheapest insurance in Roswell is not the most useful way to show a comprehesive view of Roswell car insurance cost. A more useful way to examine auto insurance rates for different vehicles is to sort them by segment.

The next section discusses the cost of car insurance based on automotive segment. The rates shown in the chart should give you a decent idea of the vehicle segments that have the overall least expensive Roswell auto insurance rates. Then the subsequent sections break out the cheapest insurance rates for specific models in each automotive segment.

Average insurance cost by automotive segment

If you’re considering buying a different vehicle, it’s advantageous to know which types of vehicles are more affordable to insure.

As an example, you may be curious if midsize SUVs have cheaper auto insurance than small SUVs or if full-size pickups have more expensive auto insurance than midsize pickups.

The chart below displays the average car insurance cost in Roswell for each automotive segment. From a segment comparison perspective, compact and midsize SUVs, vans, and midsize pickups have the cheapest rates, while sports cars and performance luxury models have the most expensive rates.

Car insurance rates by segment are handy to form a general comparison, but auto insurance cost varies greatly within each of the segments listed above.

For example, in the small luxury car segment, Roswell insurance rates range from the Acura Integra at $1,960 per year for full coverage insurance up to the BMW M340i at $2,694 per year. For another example, in the sports car segment, the average insurance cost ranges from the Mazda MX-5 Miata costing $2,040 per year to the Mercedes-Benz SL 63 at $4,528 per year.

In the sections going forward, we will remove much of this variability by comparing car insurance cost at a model level.

Cars with affordable insurance rates in Roswell, NM

The top-ranked vehicle in Roswell for cheapest average insurance in the sedan and hatchback segment is the Toyota GR Corolla, coming in at $1,916 per year. Second place is the Nissan Leaf costing $1,930 per year, ranking third is the Honda Civic, at an average of $1,952 per year, and the fourth most affordable is the Nissan Sentra, at an average of $2,018 per year.

Not the cheapest, but still in the top 10, are models like the Chevrolet Malibu, Honda Accord, Toyota Prius, and Toyota Corolla, with average cost of $2,148 per year or less.

From a cost per month standpoint, auto insurance rates in Roswell on this segment for a good driver starts at an average of $160 per month, depending on where you live.

The rate comparison table below ranks the cars with the cheapest insurance rates in Roswell, starting with the Toyota GR Corolla at $160 per month and ending with the Mazda 3 at $190 per month.

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

Don’t see your vehicle? 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 auto insurance companies in New Mexico.

Non-luxury SUVs with cheap car insurance in Roswell, NM

The four highest ranking non-luxury SUVs with the most affordable auto insurance in Roswell are the Subaru Crosstrek at $1,628 per year, Chevrolet Trailblazer at $1,656 per year, Kia Soul at $1,720 per year, and Nissan Kicks at $1,738 per year.

Not the cheapest, but still very affordable, are models like the Ford Bronco Sport, Toyota Corolla Cross, Buick Envision, and Hyundai Venue, with average rates of $1,806 per year or less.

From a cost per month standpoint, full-coverage insurance in Roswell on this segment starts at around $136 per month, depending on your location.

When prices are compared by vehicle size, the cheapest compact SUV to insure in Roswell is the Subaru Crosstrek at $1,628 per year. For midsize 2024 models, the Honda Passport has the best rates at $1,756 per year. And for large SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,070 per year.

The rate comparison table below ranks the SUVs with the cheapest car insurance rates in Roswell, starting with the Subaru Crosstrek at $1,628 per year ($136 per month) and ending with the Subaru Ascent at $1,920 per year ($160 per month).

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? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Roswell car insurance quotes from top-rated auto insurance companies in New Mexico.

Cheapest pickup trucks to insure in Roswell

The three highest ranking pickups with the cheapest auto insurance in Roswell are the Chevrolet Colorado at $1,942 per year, the Nissan Titan at $2,060 per year, and the Nissan Frontier at $2,086 per year.

Also ranking well in our comparison are pickups like the Toyota Tacoma, Honda Ridgeline, GMC Sierra 2500 HD, and GMC Canyon, with average insurance cost of $2,268 per year or less.

From a monthly standpoint, full-coverage auto insurance on this segment in Roswell for a good driver can cost as low as $162 per month, depending on the company. The next table ranks the twenty pickups with the lowest-cost average car insurance rates in Roswell, starting with the Chevrolet Colorado at $162 per month and ending with the Ram Truck at $213 per month.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Roswell car insurance quotes from top companies in New Mexico.

Sports cars with affordable car insurance rates

The four cheapest sports cars to insure in Roswell are the Mazda MX-5 Miata at $2,040 per year, Toyota GR86 at $2,322 per year, Ford Mustang at $2,422 per year, and BMW Z4 at $2,436 per year.

Some other sports cars that rank well in our comparison include the BMW M2, Toyota GR Supra, Lexus RC F, and Subaru BRZ, with average annual insurance rates of $2,634 per year or less.

Car insurance for this segment in Roswell can cost as low as $170 per month, depending on the company and where you live. The table below ranks the sports cars with the most affordable car insurance rates in Roswell, starting with the Mazda MX-5 Miata at $2,040 per year ($170 per month) and ending with the Porsche Taycan at $3,734 per year ($311 per month).

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-rated companies in Roswell.

Luxury cars with cheap auto insurance rates

The top four luxury cars with the cheapest average insurance rates in Roswell are the Acura Integra at $1,960 per year, BMW 330i at $2,244 per year, Mercedes-Benz CLA250 at $2,268 per year, and Lexus IS 300 at $2,274 per year.

Not the cheapest, but still very affordable, are models like the Lexus ES 350, Mercedes-Benz AMG CLA35, Lexus RC 300, and Genesis G70, with an average car insurance cost of $2,318 per year or less.

Ranking between positions 10 and 20, cars like the Lexus RC 350, Audi S3, BMW 228i, Lexus IS 350, Lexus ES 300h, and Cadillac CT5 average between $2,318 and $2,472 per year for full-coverage insurance in Roswell.

Full-coverage car insurance in this segment for a middle-age safe driver starts at an average of $163 per month, depending on where you live and the company you use.

When vehicle size is considered, the cheapest compact luxury car to insure in Roswell is the Acura Integra at $1,960 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,268 per year. And for large luxury car models, the Audi A5 is cheapest to insure at $2,622 per year.

The comparison table below ranks the twenty luxury cars with the cheapest insurance rates in Roswell.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your luxury car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Roswell car insurance quotes from top-rated companies in New Mexico.

Cheapest luxury SUV insurance rates in Roswell

For 2024 models, the five most budget-friendly non-luxury SUVs to insure in Roswell are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Average rates for for these vehicles range from $1,842 to $2,080 per year.

Other models that have cheaper rates are the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus NX 450h, and Lexus UX 250h, with an average cost of $2,126 per year or less.

In the bottom half of the top 20, models like the Cadillac XT6, Lexus NX 350, Land Rover Evoque, Infiniti QX50, Acura MDX, and Mercedes-Benz GLA35 AMG cost between $2,126 and $2,214 per year to insure in Roswell.

On a monthly basis, auto insurance rates on this segment in Roswell for a safe driver starts at around $154 per month, depending on the company and your location.

If insurance rates are ranked by vehicle size, the cheapest small luxury SUV to insure in Roswell is the Acura RDX at $1,842 per year, or $154 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,060 per year, or $172 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,472 per year, or $206 per month.

The rate comparison table below ranks the twenty SUVs with the lowest-cost average auto insurance rates in Roswell, starting with the Acura RDX at $1,842 per year ($154 per month) and ending with the Lexus RX 350 at $2,214 per year ($185 per month).

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

Is your luxury SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Roswell car insurance quotes from top-rated auto insurance companies in New Mexico.

How to find cheaper auto insurance

Roswell drivers should always be searching for ways to reduce the monthly expense for car insurance, so study the tips and ideas in the list below and maybe you’ll be able to save a few bucks when buying auto insurance.

• If your vehicle is older, remove optional coverages. Deleting comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive can reduce the cost of auto insurance considerably.
• Buy vehicles with low cost insurance. The performance of the vehicle you drive is one of the biggest factors in the cost of car insurance in Roswell. For example, a Kia Telluride costs $1,992 less per year to insure in Roswell than a Nissan GT-R. Lower performance vehicles cost less to insure.
• Shop your coverage around. Taking the time to get free car insurance quotes can save more money than you might think. Rates change often and you do not even have to wait until your policy renewal date to switch.
• Safe drivers have lower auto insurance rates. Too many at-fault accidents can cost more, as much as $1,066 per year for a 30-year-old driver and even $666 per year for a 50-year-old driver. So be a careful driver and save!
• Consider buying higher deductibles. Raising 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.
• Raise your credit score for cheaper insurance rates. Drivers with high 800+ credit scores may save $346 per year over a decent credit rating of 670-739. Conversely, a subpar credit score could cost around $401 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Find cheaper rates by qualifying for discounts. Savings may be available if the insured drivers are good students, are homeowners, are accident-free, are military or federal employees, drive a vehicle with safety or anti-theft features, or many other discounts which could save the average Roswell driver as much as $372 per year on auto insurance.