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Cheap Car Insurance in Albuquerque, New Mexico

Knowing a bit more about Albuquerque might make finding cheap car insurance easier. Albuquerque is the largest city in New Mexico and home to a burgeoning film industry. Recently made famous as the setting of the TV show Breaking Bad, Albuquerque is also well-known for its medical school, research facilities and nearby military base. Tourists often travel to the area for the annual balloon festival, which features thousands of hot air balloons floating over the city.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Albuquerque. Get your free customized auto insurance quote today!

Driving Conditions in Albuquerque

Like the rest of the state, Albuquerque enjoys relatively mild weather year round. Gusts of wind and flash flooding can pose road hazards during the spring and summer, and occasional snow storms can lead to icy conditions in the winter. Traffic can get congested at the city center, especially during peak commuting times.

Odd Or Unique Lawsin Albuquerque

Cell phone use while driving in Albuquerque is limited to hands-free devices. This law is consistent with other cities in New Mexico.

Crime Statistics in Albuquerque

Albuquerque is ranked second in the U.S. for car thefts, according to the National Insurance Crime Bureau. There were 6,657 cars stolen in the Albuquerque metro area in 2015, up 40 percent from 2014. Authorities reported 33,993 property crimes, 5,406 violent crimes and 5,179 car thefts in the city of Albuquerque in 2015.

Safety Requirements

Albuquerque has several motor vehicle safety laws to remember while driving in the city:

 

  • State law in New Mexico requires each occupant of a motor vehicle to wear a seat belt when the vehicle is moving. In addition, child safety seats are required for all children under age 5. Meanwhile, children who are 5 or 6 years old and weigh less than 60 pounds are required to be in a booster seat or child safety seat. In addition, if a children through age 12 does not properly fit in an adult seat belt, he or she must sit in a booster seat.
  • Individuals under the age of 18 must wear a helmet while riding or operating a motorcycle or ATV, but helmets are not legally mandated for adults.
  • Across New Mexico, it is illegal to text while driving, unless a driver is seeking emergency help or is using a hands-free device. In the city of Albuquerque, the law goes a step further by permitting use of a cellphone only with a hands-free device, such as an earpiece or speakerphone; the law applies to talking and texting.

 

Impaired Driving Law

In New Mexico, it is illegal to drive with a breath or blood alcohol concentration of 0.08 or more if you're 21 or over, 0.02 if you're under 21 or 0.04 if you drive a commercial vehicle. If your breath or blood test is at or above the legal limit, or if you refuse to take a breath or blood test, you will lose your license (in most cases for a year). You can be convicted of DWI even if the breath or blood test is below the legal limit if it's proven that your ability to drive was impaired to the slightest degree by alcohol or drugs. Driving under the influence of any drug that makes you drive unsafely is against the law in New Mexico.

If you're found guilty of DWI in New Mexico and it's your first conviction, you will pay hefty fines and court costs, and you could be sent to jail. You'll also be ordered to undergo treatment and to install an ignition interlock device on your vehicle. In addition, your driver's license might be revoked. Additional DWI convictions will result in increased fines, more jail time and a longer license revocation. In New Mexico, a DWI conviction stays on your driving record for 55 years.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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