For a 40-year-old driver with a clean record, car insurance in Farmington, New Mexico, averages about $171 a month ($2,050 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% below the New Mexico average of $205 a month, the lowest of our New Mexico city guides. Compare Farmington, NM, car insurance quotes for your own ZIP code. Progressive has the lowest full-coverage average among insurers anyone can buy from in our Farmington table, at about $109 a month.
Farmington is the least expensive of our seven New Mexico city guides, and of the 45 New Mexico cities and towns we price, only Alamogordo costs less. Our benchmark driver pays about $34 a month less here than the state average and about $63 a month less than in Albuquerque.
Our figures cover two Farmington ZIP codes, 87401 at about $170 a month and 87402, to its northeast, at about $172.
Cost data comes from the auto rates insurers file with state regulators, priced across both Farmington ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Farmington averages $2,050 a year, or about $171 a month, for our benchmark driver. Liability-only coverage at New Mexico’s 25/50/10 minimum averages $698 a year ($58 a month), and 50/100/50 liability with comprehensive and collision averages $1,896 ($158 a month).
Looking for cheap car insurance in Farmington? Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Farmers, GEICO and Progressive) here, about $109 a month, with GEICO close behind at $119, so quote both.
Progressive has the lowest full-coverage average among insurers anyone can buy from in our Farmington table. USAA averages even less, at $84 a month, but it sells only to military members, veterans and their families. Three of the four statewide New Mexico rate studies dated 2026 that we reviewed rank GEICO cheapest for full coverage, apart from USAA. For liability-only coverage at 25/50/10 limits, averages among these four insurers run from about $31 to $80 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Farmington
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $368 | $31 | $1,308 | $109 |
| GEICO | $553 | $46 | $1,424 | $119 |
| Farmers | $963 | $80 | $2,424 | $202 |
| Allstate | $909 | $76 | $3,044 | $254 |
| State Farm (Nov. 2025 rates)* | $547 | $46 | $2,339 | $195 |
| USAA (military families)* | $265 | $22 | $1,007 | $84 |
| Central Insurance* | $257 | $21 | $1,530 | $128 |
| Nationwide* | $815 | $68 | $2,049 | $171 |
| Farm Bureau Financial Services* | $563 | $47 | $2,841 | $237 |
| Farmington average | $698 | $58 | $2,050 | $171 |
This table uses Farmington ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $154 a year on average in our Farmington data, with the same $500 deductibles. That’s about $13 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Farmington ZIP codes, full coverage averaged $2,064 a year nine months earlier and $2,050 in rates as of Aug. 31, 2026, a 0.7% drop. Progressive cut its Farmington average 9.2%, while Farmers raised its average 3.3%; Allstate’s and GEICO’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits rose 4.5%, led by Farmers, which raised its liability-only average 15.3%.
The Four Corners area is one of the least expensive parts of New Mexico in our data. San Juan County averages $2,075 a year for full coverage, the second-least expensive of the 26 New Mexico counties we price. Nearby Aztec and Bloomfield average about $174 a month each, and Kirtland $172.
Farmington is the only one of our New Mexico guides where Progressive, not GEICO, has the lowest full-coverage average, at about $109 a month, its lowest in any of the seven New Mexico cities we publish a guide for. GEICO is close behind at $119. Your ZIP code is one of the things New Mexico insurers price, alongside your car and driving record.
More New Mexico cities and towns are in the New Mexico rates by city table, and you can compare states on our car insurance rates by state page.
Rio Rancho, about 130 miles southeast, averages $213 a month, and Santa Fe, about 145 miles southeast, $194. Albuquerque averages $234. For the statewide picture, see our guide to New Mexico car insurance rates.
Drivers in Farmington follow New Mexico’s rules. Every policy must include at least:
Insurers must also offer uninsured and underinsured motorist coverage for each vehicle and show what it costs per car, according to the Office of Superintendent of Insurance, and you can turn it down only in writing. Our New Mexico requirements guide covers the details and what happens if your car isn’t insured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New Mexico law and the New Mexico Office of Superintendent of Insurance. We refresh these figures when new rate data is released.
Car insurance in Farmington, NM, costs about $171 a month ($2,050 a year) for full coverage and about $58 a month for liability-only coverage at New Mexico’s 25/50/10 minimum, for our benchmark driver, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% below the New Mexico average of $205 a month.
Progressive has the lowest full-coverage average among insurers anyone can buy from in our Farmington table, at about $109 a month, with GEICO close behind at $119. USAA, which sells only to military members, veterans and their families, has a lower average still ($84 a month). For liability-only coverage, averages among the four major insurers we compared run from about $31 to $80 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cheaper than most of the state, for our benchmark driver. Farmington full coverage averages about $171 a month, 17% below the New Mexico average, and San Juan County is the second-least expensive of the 26 New Mexico counties we price.
Liability-only coverage at New Mexico’s 25/50/10 minimum averages about $58 a month in our Farmington data, and averages among the four major insurers we compared run from about $31 to $80. The lowest is far enough below the rest that we don’t name a cheapest insurer for this coverage level.
In our Farmington data, full coverage (100/300/100 with $500 deductibles) averages about $171 a month and liability-only coverage at 25/50/10 limits about $58, a difference of about $113 a month ($1,352 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Mexico law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Farmington must carry New Mexico’s minimum liability coverage: $25,000 per person and $50,000 per crash for injuries and $10,000 for property damage (25/50/10), from an insurer licensed in New Mexico. Insurers must also offer uninsured and underinsured motorist coverage for each vehicle, which you can turn down only in writing.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Farmington full coverage fell 0.7% over the past nine months, from about $2,064 to $2,050 a year. Progressive cut its Farmington average 9.2%, while Farmers raised its average 3.3%. Liability-only coverage at 25/50/10 limits rose 4.5%.
For our benchmark driver, full coverage in Farmington averages about $171 a month. Nearby, Rio Rancho averages about $213, Albuquerque about $234 and Santa Fe about $194. Farmington is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
