Farmington Car Insurance

Find the right car insurance policy for you.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


Farmington is the commercial and economic center for northwestern New Mexico and the Four Corners area. It lies near the junction of three busy highways, and is along the “Trails of the Ancients Byway”—one of New Mexico’s many scenic byways. Residents of this vast region need car insurance to protect them out on the road. Our Independent Insurance Agents can assess the unique risks of New Mexico drivers. 

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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Cost of Car Insurance in Farmington

Did you know? The average cost of Farmington car insurance is $141 per month.  

Most Farmington drivers can find affordable coverage. Your rates are based on a variety of personal characteristics such as:

  • Where you live
  • The make and model of your car
  • How many miles you put on your car each year

If your rates seem higher than average, you may have a car that is more expensive to repair or replace. Or perhaps you drive farther to work every day. More than anything, you need Farmington car insurance that tackles your risks and fits your budget. An agent will help you do just that. 

Farmington Car Insurance Requirements

The area around Farmington is vast and attracts a lot of tourists. Farmington auto insurance can protect your finances if you are in an accident out on the road. While New Mexico requires drivers to purchase a minimum amount of liability insurance, it is rarely sufficient in a serious accident. If you are in a major collision, here’s how your car insurance can help. 

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): Not required

Who Pays If the Accident Wasn’t My Fault?

The driver who caused the accident, of course. Approximately 21.6% of  New Mexico drivers are uninsured. That's why you need “uninsured motorist coverage.” It pays for your vehicle repairs and medical bills if an uninsured driver hits you. Without it, you could face devastating financial consequences. Despite having a very high percentage of uninsured drivers, New Mexico does not require you to have uninsured motorist coverage. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

What Affects the Cost of Farmington Car Insurance?

Monthly auto insurance premiums can vary significantly from person to person. The average car insurance payment is based on:

  • Your age
  • Where you live 
  • Your driving history
  • The kind of car you drive 
  • The number of cars and drivers in your household

The type of car you drive, for example, plays a huge role in what you might pay for a Farmington car insurance policy. Cars with powerful engines or those that are expensive to repair or replace are considered to be “riskier” for insurance companies. If you have one, expect to pay more for insurance than someone with a used mini-van or a family sedan. 

City Factors that will Affect Your Rate:

Commute Time

The more time you spend on the roads, the more likely it is that you'll be in an accident. Farmington drivers enjoy a low commute time, which can help keep insurance rates relatively low.

  • National average: 25.4 minutes
  • Farmington average: 16.6 minutes

Number of Auto Thefts in Farmington

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Farmington: 2.89 

Cars can be stolen anywhere. Thefts and break-ins can be big financial burdens when you have to fix broken windows and replace stolen personal property. But with Farmington car insurance, you don’t have to worry. If your car is stolen, you'll receive compensation in a timely manner so you can get back on the road with confidence. What’s more, the rate of car theft in Farmington is lower than in the U.S. overall. This helps to keep car insurance rates low, too. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find Affordable Car Insurance in Farmington

Because our Independent Insurance Agents aren't tied down to one insurance company, you can get quotes from numerous insurance carriers and find the best one for your needs and budget. A local independent agent is just a few clicks away. 

Start your search now for affordable Farmington car insurance. 

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