- Cheapest non-owner car insurance companies in New Mexico
- Best non-owner car insurance in New Mexico
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in New Mexico
- Non-owner car insurance in New Mexico by age and gender
- Non-owner vs. traditional car insurance
- What does New Mexico non-owner car insurance cover?
- The bottom line: Non-owner car insurance in New Mexico
- Methodology
- Compare New Mexico non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in New Mexico
Central Insurance offers the lowest non-owner car insurance rates in New Mexico, with an average cost of $119. The next most affordable option is State Farm, which has an average rate of $149.
The table below lists the most budget-friendly non-owner car insurance companies in New Mexico.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Central Insurance | $119 | $10 |
| State Farm | $149 | $12 |
| Iowa Farm Bureau | $175 | $15 |
| Kemper | $266 | $22 |
| Farmers | $397 | $33 |
| Progressive | $410 | $34 |
| GEICO | $448 | $37 |
| Nationwide | $486 | $41 |
| USAA | $188 | $16 |
Best non-owner car insurance in New Mexico
Although State Farm is the best overall choice, GEICO and Progressive are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in New Mexico, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in New Mexico.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $149 | 783 | 0.70 | A++ | 4.03 |
| GEICO | $448 | 801 | 0.91 | A++ | 3.24 |
| Progressive | $410 | 828 | 0.65 | A+ | 3.23 |
| Farmers | $397 | 835 | 0.80 | A | 3.14 |
| Nationwide | $486 | 808 | 0.64 | A+ | 3.04 |
| Kemper Insurance | $266 | 736 | 2.16 | A- | 2.07 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in New Mexico.
State Farm
Our number one pick for non-owner car insurance in New Mexico is State Farm. The average rate for liability coverage is $149. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.
GEICO
GEICO is another great option for non-owner car insurance in New Mexico, with average rates of $448 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.
Progressive
Our third recommendation is Progressive, with average rates of $410. It has an NAIC complaint ratio of 0.65 and holds an AM Best rating of A+.
PEOPLE ASK:
Do I need New Mexico non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in New Mexico
The average cost of non-owner car insurance in New Mexico is $293, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in New Mexico by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in New Mexico.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in New Mexico by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $882 | $843 |
| Young Adults (20-24) | $444 | $436 |
| Adults (25-60) | $291 | $296 |
| Seniors (65-75) | $323 | $315 |
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in New Mexico doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $293 |
| Traditional state minimum policy | $421 |
| State minimum car insurance limits | 25/50/10 |
What does New Mexico non-owner car insurance cover?
A New Mexico non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in New Mexico, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in New Mexico
Drivers in New Mexico might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
In New Mexico, non-owner car insurance costs an average of $293, with Central Insurance offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare New Mexico non-owners car insurance rates with other states
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