Gallup Car Insurance

Find the right car insurance policy for you.

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Gallup, New Mexico was founded in 1881 as a railhead for the Atlantic and Pacific Railroad. Today, Gallup lies along the Trail of the Ancients Byway, a designated scenic byway that takes visitors to numerous prehistoric and archaeological sites across New Mexico. Whether you’re taking in the sites or driving through town on your way to work, car accidents can happen to anyone who lives and drives in Gallup. Even the most careful drivers are at risk. 

But with a reliable car insurance policy, you can have peace of mind. Car insurance protects you from the costs of auto accidents that you cause. And certain policy options can also protect you if your car is damaged by falling objects, theft, or vandalism. Car insurance can sometimes be confusing, but a local independent insurance agent can help you find the best policy for your needs and budget. 

What Are the Requirements for New Mexico Car Insurance?

If you own a vehicle in New Mexico, you are required to purchase auto insurance. You must have the following coverage—at a minimum—in order to comply with the law: 

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/10; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $10,000 coverage for property damage

While this may seem like great coverage, a minimum-coverage policy may leave you seriously underinsured. If you cause a major collision, you will have to pay out-of-pocket for all of the expenses that exceed your coverage limits. These expenses can include medical bills for other drivers and passengers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. 

Many drivers purchase liability coverage limits that are higher than the state requirements. If you want even more liability protection, you can purchase umbrella insurance, which offers protection beyond the limits of your auto insurance policy. An independent insurance agent can help determine how much liability coverage is necessary to adequately protect you and your family. 


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How Much Does Car Insurance Cost in Gallup, NM?

New Mexico is the 28th most expensive state for car insurance. Car insurance rates in Gallup are similar to the state average.

  • National average annual car insurance cost: $1,311
  • New Mexico average annual car insurance cost: $1,237
  • Gallup average annual car insurance cost: $1,219

Gallup car insurance may seem expensive, but no one should overpay. If you shop around, you might find rates that are a better fit for your budget. Before you shop, you should know that the cost of car insurance is based on your personal characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day. Insurance companies also consider a variety of other risk factors, such as: 

  • Your age
  • Your gender
  • Your driving history
  • The number of cars and drivers in your household

The type of car you drive is one of the biggest factors in determining your car insurance premium. If you drive a powerful muscle car, expect to pay more than your neighbor who drives a used minivan. In general, any car that is more likely to get into an accident or is more expensive to repair or replace will cost more to insure. With the help of a local independent insurance agent, you can review quotes from multiple insurance companies to be sure you are getting the best deal. 


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Number of Uninsured Motorists in New Mexico

Driving without insurance is against the law in New Mexico, yet many drivers continue to drive without coverage. In fact, New Mexico has the third-highest percentage of uninsured drivers in the US. 

  • How many US drivers are uninsured? 12.6%
  • How many New Mexico drivers are uninsured? 20.8%

If an uninsured driver causes an accident, the other driver is on the hook for the cost of vehicle damage and injuries. That’s when uninsured motorist coverage becomes essential. This insurance coverage will pay to fix your damaged car and handle your medical bills if a driver who does not have insurance hits you. Some states require all drivers to purchase uninsured motorist coverage, but New Mexico does not require it.

Number of Auto Thefts in New Mexico

The auto theft rate in Gallup, NM is higher than both the state and national averages.

  • National auto theft rate per 1,000 vehicles: 2.94
  • New Mexico auto theft rate per 1,000 vehicles: 5.64
  • Gallup auto theft rate per 1,000 vehicles: 5.79

With Gallup auto insurance, you can sleep easy knowing that if you are a victim of auto theft, you can get assistance and payment quickly so you can get back to your life. The comprehensive coverage portion of your car insurance policy reimburses you for your losses after a vehicle theft or break-in. Meanwhile, it’s pretty easy to keep your car safe from thieves. Park in safe, well-lit areas, never leave your car running while unattended, and always lock your car—even in your own driveway. And if you drive a car with an alarm or another anti-theft device, ask your insurance agent if you qualify for a special discount on your car insurance. 

Why Contact an Independent Insurance Agent?

Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in Gallup.

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