For a 40-year-old driver with a clean record, Roswell car insurance averages about $206 a month ($2,477 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the New Mexico average of $205 a month. GEICO has the lowest full-coverage average of the four insurers we price, at about $121 a month.
Roswell is priced right around the New Mexico average. Our benchmark driver pays about $206 a month here, compared with $205 statewide and $234 in Albuquerque.
Our data covers two Roswell ZIP codes, 88201 at about $202 a month and 88203 at about $211.
Cost data comes from the auto rates insurers file with state regulators, priced across both Roswell 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 Sept. 30, 2026.
Full coverage in Roswell averages $2,477 a year, or about $206 a month, for our benchmark driver. Liability-only coverage at New Mexico’s 25/50/10 minimum averages $708 a year ($59 a month), and 50/100/50 liability with comprehensive and collision averages $2,305 ($192 a month).
GEICO has the lowest full-coverage average among the four insurers in our Roswell rate data. USAA, Central Insurance, Nationwide and Farm Bureau Financial Services aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. Every published 2026 statewide New Mexico rate study we reviewed ranks GEICO cheapest statewide for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the insurers we price, at about $38 a month, followed by GEICO at $48.
Full-coverage averages by insurer in Roswell
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): |
|---|---|---|---|---|
| GEICO | $573 | $48 | $1,455 | $121 |
| Progressive | $458 | $38 | $1,786 | $149 |
| Farmers | $935 | $78 | $2,792 | $233 |
| Allstate | $864 | $72 | $3,876 | $323 |
| State Farm (Nov. 2025 rates)* | $600 | $50 | $2,500 | $208 |
| USAA (military families)* | $292 | $24 | $1,335 | $111 |
| Central Insurance* | $262 | $22 | $2,078 | $173 |
| Nationwide* | $898 | $75 | $2,711 | $226 |
| Farm Bureau Financial Services* | $621 | $52 | $3,985 | $332 |
| Roswell average | $708 | $59 | $2,477 | $206 |
This table uses Roswell ZIP codes only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $172 a year on average in our Roswell data, with the same $500 deductibles. That’s about $14 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.
Not for our benchmark driver. Comparing the same insurers in the same Roswell ZIP codes, full coverage averaged $2,512 a year in rates as of Nov. 30, 2025, and $2,477 as of Aug. 31, 2026, a 1.4% drop. Progressive cut its Roswell average 9.6%, while Farmers raised its average 1.7%, and Allstate and GEICO didn’t change theirs. State Farm isn’t in the August 2026 rates, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits rose 4.7%, led by Farmers, which raised its liability-only average 17.3%.
Chaves County averages $2,477 a year for full coverage in our data, the 10th-most expensive of the 26 New Mexico counties we price. Elsewhere in southeastern New Mexico, Artesia averages about $206 a month, Carlsbad $208 and Hobbs $212.
Where you keep your car is one of the things insurers price, so your ZIP code can move your rate.
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.
Hobbs, about 95 miles southeast, averages $212 a month, and Las Cruces, about 150 miles southwest, $187. Albuquerque averages $234.
Drivers in Roswell follow New Mexico’s rules. Every policy must include at least:
Insurers must also offer uninsured and underinsured motorist coverage for each vehicle, 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.
For our benchmark driver, full coverage in Roswell averages about $206 a month ($2,477 a year) and liability-only coverage about $59 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the New Mexico average of $205 a month.
GEICO has the lowest full-coverage average in our Roswell rate data, at about $121 a month, followed by Progressive at $149. For liability-only coverage, Progressive has the lowest average, at about $38 a month. USAA, Central Insurance, Nationwide and Farm Bureau Financial Services aren’t in the Quadrant rate data we analyze, but every published 2026 statewide New Mexico rate study we reviewed ranks GEICO cheapest statewide for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Roswell full coverage averages about $206 a month and Albuquerque about $234, a difference of about $28 a month for the same driver and car.
In our data, Chaves County full coverage averages about $206 a month for our benchmark driver. Roswell’s two ZIP codes average $202 (88201) and $211 (88203).
In our Roswell data, full coverage (100/300/100 with $500 deductibles) averages about $206 a month and liability-only coverage at 25/50/10 limits about $59, a difference of about $147 a month ($1,769 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Roswell full coverage fell 1.4% between November 2025 and August 2026, from about $2,512 to $2,477 a year. Progressive cut its Roswell average 9.6%, while Farmers raised its average 1.7%. Liability-only coverage at 25/50/10 limits rose 4.7%.
