Cheapest Auto Insurance in Roswell, New Mexico (2025)
With monthly liability rates of $53, The General is the cheapest car insurance company in Roswell.
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The overall average monthly cost of car insurance in Roswell is $93 — slightly less than the state average of $103 and the national average of $140.
Larger and more densely populated cities, including Albuquerque and Las Cruces, may drive up the state’s average insurance rates. Thanks to an alleged UFO crash in 1947, Roswell attracts some tourism; but its remote location helps minimize traffic.
Here’s what you should know about comparing quotes and finding affordable car insurance in Roswell.
Quick Facts
Roswell drivers pay an average of $61 per month for liability coverage and $124 per month for full coverage.
The General, National General, and Bristol West are the cheapest car insurance companies in Roswell.
Full-coverage car insurance in Roswell costs an average of $1,490 per year.
3 of the cheapest car insurance companies in Roswell
The best auto insurance company for you will depend on your specific needs and budget. To find cheap car insurance, it’s a good idea to compare multiple companies before making a decision.
The table below lists the car insurance companies in Roswell with some of the lowest rates; the rates shown are for all of New Mexico.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
Best insurer for military members: USAA
Best insurer for discounts: GEICO
How to get the cheapest car insurance in Roswell
Several factors determine the price of your car insurance policy, including your age, gender, ZIP code, driving record, type of car you drive, and the amount and type of coverage you want. To find the cheapest car insurance rates available in Roswell, consider the following savings tips:1
Compare multiple insurance companies. The Insurance Information Institute (Triple-I) recommends getting quotes from at least three insurance companies before you make your selection, as policies and prices can vary greatly.
Keep a clean driving record. Generally, the better your driving record, the lower your premium. A history of accidents and other traffic violations can cause your rates to increase.
Increase your deductible. Requesting a higher deductible may result in a lower premium. For instance, raising your deductible from $200 to $500 could reduce your collision and comprehensive coverage by 15% to 30%, according to Triple-I. Raising it to $1,000 can save you 40% or more.
Cheapest liability-only car insurance in Roswell: The General
Nearly every state requires drivers to carry a minimum amount of liability insurance. Liability car insurance provides property and bodily damage coverage for the other driver if you cause an accident. Liability insurance doesn’t cover your medical expenses or damages to your vehicle.
Liability-only car insurance in Roswell costs $61 per month, on average.
The following table provides average monthly quotes for the cheapest liability-only coverage options in Roswell.
Cheapest full-coverage car insurance in Roswell: Root
If you want more than the minimum coverage required in your state, you can purchase full-coverage insurance. A full-coverage insurance policy typically includes liability, comprehensive, and collision coverage. If you’re responsible for an accident, full-coverage car insurance will cover your vehicle in addition to the other driver. It also provides coverage due to theft or damage caused by a flood, fire, or a falling tree.
Full-coverage car insurance in Roswell costs an average of $124 per month.
The table below provides average monthly quotes for the cheapest full-coverage auto insurance in Roswell.
Car insurance requirements in New Mexico
In New Mexico, all drivers are expected to have liability auto insurance. Drivers who don’t have the minimum coverage risk having their vehicle registration suspended. New Mexico is an at-fault state, which means the driver who causes the accident will cover the other driver’s medical bills and repairs.
New Mexico’s minimum coverage requirements are shown in the table below:2
Drivers in New Mexico can also choose to purchase additional coverage, including:
Cheapest car insurance for drivers with an incident
When trying to find the cheapest car insurance available, your driving record matters. If you have driving incidents such as at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations, you can expect your premiums to go up.3 Insurers see you as a higher risk and charge accordingly.
The table below shows how different driving incidents can affect your liability insurance rates.
Average cost of car insurance by age
Your age is another factor that insurers consider when calculating your premium. Teen drivers and young adults pay the highest car insurance rates due to inexperience and risky driving behaviors.4
Rates start to decrease around age 35 but increase for senior drivers around age 70 when age-related impairments can begin to affect driving ability.5
The table below shows average monthly insurance quotes for Roswell drivers of different ages.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Roswell car insurance quotes by credit tier
New Mexico auto insurance companies are allowed to consider your credit history when calculating your premium. But the state prohibits insurers from using a lack of credit history to calculate insurance premiums.
Insurers use your credit history to generate a credit-based insurance score to help predict the likelihood that you’ll file a claim. Excellent credit can help you secure a lower premium, while poor credit can make it more difficult to access cheap insurance.
The chart below provides average monthly quotes for each credit tier.
Roswell car insurance FAQs
If you’re shopping for car insurance in Roswell, New Mexico, this additional information may help as you research your coverage options.
How much is car insurance in Roswell?
Car insurance in Roswell costs an average of $61 per month for liability coverage and $124 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Roswell?
The General has the cheapest car insurance in Roswell, with a monthly liability rate of $53. National General and Bristol West also offer affordable coverage, with respective monthly liability rates of $54 and $60.
But the cheapest insurer for you will depend on a number of factors, including your age, your ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Roswell?
With a high IQ Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction ratings, State Farm is the best car insurance company in Roswell. Other top insurers include USAA and GEICO.
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