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2024

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Best Local Car Insurance Agencies in Rio Rancho, NM

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Rio Rancho Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

54Reviewed

34Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2345 Southern Boulevard Southeast, Ste C4, Rio Rancho, NM 87124
WebsiteLicense: 3000190616

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Franklin Insurance Agency is a car insurance provider that has been serving business owners and private individuals in the Rio Rancho area since 1986. Its team of staff deals with auto insurance carriers such as Dairyland Auto Cycle Insurance, Safeco Insurance, and Travelers. They partner with these carriers in providing car insurance policies that suit their customers' insurance budget and needs. The agents at Franklin Insurance Agency are committed to educating people about their insurance plans.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

2625 Pennsylvania Street Northeast, Albuquerque, NM 87110
WebsiteLicense: 7238370

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

As an independent agency serving Rio Rancho and nearby communities, All-Star Insurance provides car insurance specific to their clients' specific needs. Assisting vehicle owners, the agency provides insurance for autos, motorcycles, watercraft equipment, and recreational vehicles. Business owners can also avail themselves of the company's commercial auto insurance for their commercial vehicles. All-Star Insurance has been serving the residents of Rio Rancho and the nearby areas for over two decades. The business champions the values of trust, honesty, and fair pricing.

  • Multiple Carriers
  • Motorcyle & ATV

1501 San Juan Boulevard, Rio Rancho, NM 87401
WebsiteLicense: 1800006795

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

The Walker Agency is an independent insurance agency that has been serving Rio Rancho and Farmington locals since 1984. Its team of insurance specialists provides a wide variety of insurance products, including home, auto, life, commercial property, and workers' compensation insurance. Their auto insurance package is inclusive of collision and comprehensive insurance, bodily injury and property damage liability protection, uninsured or underinsured motorist protection, and medical payments coverage. Additional coverage for towing, roadside assistance, and rental reimbursements are also available.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

2220 Grande Boulevard Southeast, Rio Rancho, NM 87124
WebsiteLicense: 1800011710

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Southwest Federal Insurance is a freelance insurance agency that offers auto insurance policies to customers in Rio Rancho. Through the company, clients can compare rates for the same coverages from different carriers and customize their policies online. These can provide coverage for bodily injury and property damage liability, medical payments, and uninsured and underinsured motorists. Southwest Federal Insurance also guarantees repairs for clients who own or lease their cars through its network retailers.

  • RV & Motorhome
  • Motorcyle & ATV

4015 Peggy Road, Rio Rancho, NM 87124
WebsiteLicense: 1800003962

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (3)

Why choose this provider?

Since 1985, El Valle Insurance has been providing insurance products to clients in Rio Rancho. The independent agency partners with major insurance companies such as progressive and Travelers to present clients with a wide range of different auto policies, packages, and services along at comparable rates. Additionally, it also offers insurance for motorcycles, classic cars, and RVs. El Valle Insurance also has insurance for recreational vehicles such as ATVs, watercraft, and travel trailers. It also has an office in Espanola.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Franklin Insurance Agency
2345 Southern Boulevard Southeast, Ste C4, Rio Rancho, NM 87124
All-Star Insurance
2625 Pennsylvania Street Northeast, Albuquerque, NM 87110
walker-insurance-agency.com
1501 San Juan Boulevard, Rio Rancho, NM 87401
Southwest Federal Insurance
2220 Grande Boulevard Southeast, Rio Rancho, NM 87124
El Valle Insurance - Rio Rancho
4015 Peggy Road, Rio Rancho, NM 87124

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the minimum liability auto insurance requirements in Rio Rancho?

    In Rio Rancho, drivers must secure auto liability insurance of at least $25,000 for one person's bodily injury or death, $50,000 for injuries or deaths of two or more individuals, and $10,000 for property harm per incident. After acquiring the coverage, drivers should notify the New Mexico IIDB through their website or by dialing (866) 891-0665.

  • If a Rio Rancho resident lends their car and an accident happens, whose insurance is affected, and what is MedPay's coverage role?

    In Rio Rancho, and widely elsewhere, auto insurance policies typically cover the vehicle, not the policyholder, meaning if another individual crashes your car, your insurance record absorbs the claim, potentially influencing future rates. Notably, MedPay does not extend to a car borrower. This type of coverage is exclusive to the policy owner.

  • Why might a Rio Rancho resident receive a suspension notice for their vehicle registration?

    A Rio Rancho resident may get a suspension alert if the New Mexico Insurance Identification Database can't verify insurance from a licensed local insurer. Before suspension, a 30-day warning is sent. Possible reasons include an absence of insurance, coverage from an unlicensed New Mexico insurer, improper reporting by the insurer, or a mismatched vehicle identification number on Motor Vehicle Division records.

  • Can Rio Rancho vehicle owners obtain car insurance without a driver's license?

    Vehicle owners in New Mexico have the option to buy car insurance even if they don't have a driver's license. However, not all insurance companies in Rio Rancho extend coverage to individuals without a license. Also, it's important to note that obtaining coverage without a driver's license might be a bit more difficult.

  • What are the consequences for Rio Rancho drivers caught without minimum liability insurance in New Mexico?

    Rio Rancho residents driving without proper coverage can incur penalties between $300 and $1,000, face a 90-day to 3-month jail stint, and get their licenses suspended until coverage is procured. Per the New Mexico Mandatory Financial Responsibility Act, they must hand in their vehicle registration and plates within a ten-day window after a suspension alert, or they could confront criminal charges.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.