{"id":33224,"date":"2023-10-11T14:05:54","date_gmt":"2023-10-11T21:05:54","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=33224"},"modified":"2023-11-30T09:02:12","modified_gmt":"2023-11-30T17:02:12","slug":"santa-fe","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/new-mexico\/santa-fe\/","title":{"rendered":"Car Insurance in Santa Fe, New Mexico"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_e8f14dfc23b0fe2777a9301ba80d00fc\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Santa Fe is the perfect intersection of culture and history. But if you\u2019re going to cross this particular intersection, you need the <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">best car insurance in Santa Fe<\/a>.<\/p>\n<p>That\u2019s because there is a growing list of things to do in and around the city. Maybe you will scope out those art galleries on Canyon Road or soak up the sounds of the Santa Fe Opera. And when it gets cold, you can always shred some powder over at Ski Santa Fe.<\/p>\n<p>However, you can\u2019t experience all of these awesome Santa Fe sights without a car, and that means protecting yourself with car insurance. Keep reading to discover everything you need to know about car insurance in Santa Fe!<\/p>\n<h3 style=\"text-align: left\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">As of 2022, Santa Fe is one of the cities with highest percentage of fatalities related to driving while intoxicated (DWI).<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The average cost of car insurance in Santa Fe is $133 per month.<\/span><\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_1097ce7d8f0f1d4da0e801ea8214d54c\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Does Car Insurance Cost in Santa Fe?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>When you look over at your neighbor\u2019s car, it\u2019s only natural to wonder how much he is paying for car insurance. If nothing else, this would give you a better idea of whether you\u2019re paying too much!<\/p>\n<p>While we can\u2019t talk to your neighbor for you, we can report that the average cost of car insurance in Santa Fe is $133 per month. This is a good deal compared to the <a href=\"https:\/\/www.freeway.com\/auto-insurance\/average-cost\/\">national average cost of car insurance<\/a>, which is $168 per month.<\/p>\n<p>But how does the cost of car insurance in Santa Fe stack up with surrounding cities? Below, we have a breakdown of the average car insurance cost in other major New Mexico cities.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>New Mexico Cities<\/th>\n                                                                                            <th>Monthly Average Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Albuquerque<\/td>\n                                                                                            <td>$155<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Hobbs<\/td>\n                                                                                            <td>$139<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Las Cruces<\/td>\n                                                                                            <td>$120<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Rio Rancho<\/td>\n                                                                                            <td>$143<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td><strong>Santa Fe<\/strong><\/td>\n                                                                                            <td><strong>$133<\/strong><\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--top-0-spacing c-section--bottom-0-spacing \" id=\"default-block_66c48ca855a048e8d4402a100f407a2a\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left\">What Are the Hyundai Santa Fe Car Insurance Rates?<\/h3>\n<p><a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/hyundai-santa-fe\/\"><span style=\"font-weight: 400\">Hyundai Santa Fe insurance rates<\/span><\/a><span style=\"font-weight: 400\"> generally average $1,527 annually, depending on a variety of factors such as your location, driving history, the specific model of your vehicle, and type of coverage. To get the most accurate estimate tailored to your individual circumstances, we recommend you <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/hyundai-santa-fe\/#modal-turbo\"><span style=\"font-weight: 400\">request a quote<\/span><\/a><span style=\"font-weight: 400\"> so you can make sure you are getting the best deal.<\/span><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_f23bb8c8cdf8d782fa00c69f36f4cdf9\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left\">Santa Fe Car Insurance Rates by Zip Code<\/h3>\n<p><span style=\"font-weight: 400\">How much you pay for your <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/new-mexico\/\"><span style=\"font-weight: 400\">auto insurance in New Mexico<\/span><\/a><span style=\"font-weight: 400\"> may change drastically when moving from one city to another. But what if you just move to a different neighborhood?<\/span><\/p>\n<p><span style=\"font-weight: 400\">The truth is that where you live impacts how much you pay for car insurance policies, right down to the zip code. To give you a better idea of what we mean, here is a breakdown of the average monthly car insurance costs by zip code in Santa Fe.<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Monthly Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>87501<\/td>\n                                                                                            <td>$133<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>87502<\/td>\n                                                                                            <td>$133<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>87504<\/td>\n                                                                                            <td>$133<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>87505<\/td>\n                                                                                            <td>$131<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>87506<\/td>\n                                                                                            <td>$137<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>87507<\/td>\n                                                                                            <td>$135<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>87508<\/td>\n                                                                                            <td>$135<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_10130d8e42bb59b4f5e66d87ca7717f6\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left\">Santa Fe Car Insurance Rates by Age<\/h3>\n<p>Many Santa Fe drivers are surprised to discover that where they live affects the price of their car insurance. But it doesn\u2019t stop there \u2014 age plays a major factor as well!<\/p>\n<p>How old you are plays a major role in how much you have to pay each month. To get a better idea of how much you\u2019ll pay over the years, here is a breakdown of the average monthly cost of insurance by age in Santa Fe.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Monthly Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$390<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$180<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$130<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$125<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$121<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$123<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70+<\/td>\n                                                                                            <td>$143<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--top-0-spacing c-section--bottom-0-spacing \" id=\"default-block_7326c7767b911d1b1861955077f56be1\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p><em><u>Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by New Mexico. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/u>\u00a0<\/em><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_7df9e20d320b9ed590124c0f898be371\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Santa Fe<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Like other cities in New Mexico, the driving conditions in Santa Fe are decidedly mixed. Drivers are unlikely to die due to fatal accidents in the city. But the poor infrastructure of the roads and bridges makes driving more dangerous and more expensive for residents.<\/p>\n<h3 style=\"text-align: left\">How Many Fatal Accidents Happen in Santa Fe?<\/h3>\n<p><span style=\"font-weight: 400\">As of 2022, there were reported 467 road deaths in New Mexico, from these accidents the NMDOT District 5 (Santa Fe) and District 6 (Grants\/Milan), were listed as the locations with highest percentage of <\/span><a href=\"https:\/\/www.abqjournal.com\/news\/local\/467-people-died-on-new-mexico-roads-in-2022-heres-what-the-data-shows\/article_8a18604e-0f95-529f-af70-b5a863f1c394.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">fatalities related to driving while intoxicated<\/span><\/a><span style=\"font-weight: 400\"> (DWI).<\/span><\/p>\n<h3 style=\"text-align: left\">How Are the Road Infrastructure and Bridges in Santa Fe?<\/h3>\n<p>The infrastructure of a city\u2019s roads and bridges often plays a major role in how safe it is to drive through the city. With that in mind, what is the infrastructure of Santa Fe like?<\/p>\n<p>The general infrastructure is poor, though it could be worse. According to a report by the nonprofit <a href=\"https:\/\/tripnet.org\/wp-content\/uploads\/2020\/01\/TRIP_New_Mexico_BTN_Report_January_2020.pdf\" target=\"_blank\" rel=\"noopener\">TRIP<\/a>, 32% of the road pavement in the city are in poor condition, and an additional 21% are in fair condition. Meanwhile, nine bridges in the city are in \u201cpoor\/structurally deficient\u201d condition. All of this adds up to Santa Fe drivers paying an extra $817 each year in additional vehicle operating costs due to the poor infrastructure.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Get a Quote for Car Insurance in New Mexico Today!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_ccb3c34040e26ddcf33ad4ac5ba23049\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Car Coverage Requirements of Santa Fe Car Insurance<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left\">Minimum Car Insurance Requirements in Santa Fe<\/h3>\n<p><span style=\"font-weight: 400\">In Santa Fe, as in most states, car insurance isn&#8217;t just a choice; it&#8217;s a legal requirement. The minimum coverage typically includes <\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/what-is-liability-auto-insurance\/\"><span style=\"font-weight: 400\">liability insurance<\/span><\/a><span style=\"font-weight: 400\">, designed to cover damages and injuries you might cause to others in an accident. It\u2019s a fundamental safeguard that ensures you\u2019re financially responsible for your actions on the road. But do you know what those minimums actually are?<\/span><\/p>\n<p><span style=\"font-weight: 400\">At minimum, the state of New Mexico <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\"><span style=\"font-weight: 400\">requires liability coverage<\/span><\/a><span style=\"font-weight: 400\"> in the following amounts:<\/span><\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$25,000 per person for <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/what-is-bodily-injury-liability-coverage\/\">bodily injury<\/a><\/li>\n<li>$50,000 per accident for bodily injury<\/li>\n<li>$10,000 per accident for property<\/li>\n<\/ul>\n<p>We generally recommend you get more than minimum coverage to have better protection in the event of an accident.<\/p>\n<h3><b>Collision Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Now, let\u2019s talk about collision coverage. While it&#8217;s not legally mandated in Santa Fe, it&#8217;s something you should consider.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Collision coverage steps in to handle repair expenses or replacing your vehicle after an accident, regardless of who\u2019s at fault. Given the ever-increasing costs of auto repairs, having this coverage can save you from a significant financial setback if your car takes a hit.<\/span><\/p>\n<h3><b>Full Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Full coverage insurance is like the safety net of car insurance. It includes liability, collision, and comprehensive coverage, which protects you from unexpected damages unrelated to collisions &#8211; like vandalism or weather damage.<\/span><\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_0a0fcf7d4f9c641804b9218e4bdbb8bb\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Affecting Your Insurance Rate<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p><span style=\"font-weight: 400\">Previously, we touched on two of the main <\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/factors-that-will-raise-your-auto-insurance-rates\/\"><span style=\"font-weight: 400\">factors that determine your car insurance premium<\/span><\/a><span style=\"font-weight: 400\">: your age and your location. But these are not the only factors that insurance carriers in Santa Fe are allowed to consider.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Below, we have a full list of factors allowed to determine your Santa Fe insurance premium:<\/span><\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Gender<\/li>\n<li>Credit score<\/li>\n<li>Location<\/li>\n<li>Driving history<\/li>\n<li>Employment<\/li>\n<li>Marital status<\/li>\n<li>Insurance history<\/li>\n<\/ul>\n<p>If any of these factors change (like you improve your credit or move to a safer neighborhood), let your carrier know. This may result in a lower premium!<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_5452ca46d75172d8beff806c9ade1d5e\" class=\"c-section \">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Saving on Santa Fe Car Insurance<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left\"><b>Discounts for Car Insurance in Santa Fe<\/b><\/h3>\n<p><span style=\"font-weight: 400\">All Santa Fe drivers have one thing in common: They want to obtain the cheapest car insurance. What if you could make that happen with a single phone call?<\/span><\/p>\n<p><span style=\"font-weight: 400\">You can take advantage of available discounts as every insurance provider offers customers\u00a0 special discounts to help them get <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\"><span style=\"font-weight: 400\">cheap car insurance<\/span><\/a><span style=\"font-weight: 400\">. You may even qualify for a discount and not know it! Below, we have a breakdown of common discounts that carriers in Santa Fe offer:<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <p class=\"c-saving-features__list-text\">Good driving discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\">Anti-theft device discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\">Good student discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/good-driver.svg\" alt=\"Blue icon of a blue car\">\n                            <p class=\"c-saving-features__list-text\">Defensive driving course discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2020\/12\/icon-store-1.svg\" alt=\"Illustration of a store\">\n                            <p class=\"c-saving-features__list-text\">Homeowner\u2019s discount<\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p>Don\u2019t forget that to discover all of the benefits your own insurance company offers, you\u2019ll need to pick up the phone and give them a call. And don\u2019t be afraid <a href=\"https:\/\/www.freeway.com\/auto-insurance\/compare\/\">to shop around<\/a> to get even better car insurance rates.<\/p>\n<h3 style=\"text-align: left\"><b>How to Lower Your Santa Fe Car Insurance Premium<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Finding ways to reduce your car insurance policy costs can significantly ease your financial burden. Here are some practical tips tailored for Santa Fe residents:<\/span><\/p>\n<h4 style=\"text-align: left\"><b>Maintain a clean driving record<\/b><\/h4>\n<p><span style=\"font-weight: 400\">One of the most effective ways to keep your insurance costs down is by maintaining a clean driving record. Avoiding accidents and traffic violations not only keeps you safe but also signals to insurers that you\u2019re a responsible driver, potentially lowering your premiums.<\/span><\/p>\n<h4 style=\"text-align: left\"><b>Consider bundling your insurance<\/b><\/h4>\n<p><span style=\"font-weight: 400\">Combining your car insurance with other policies, like home or renters insurance, usually result in significant discounts. Insurance companies appreciate customer loyalty, and when you consolidate your insurance needs under one roof, they&#8217;re likely to reward you with more affordable rates.<\/span><\/p>\n<h4 style=\"text-align: left\"><b>Keep your credit score healthy<\/b><\/h4>\n<p><span style=\"font-weight: 400\">Insurers often use credit information to gauge a driver\u2019s risk profile. Maintaining a healthy credit score demonstrates financial responsibility. Regularly checking your credit report and addressing any discrepancies can be a proactive step toward keeping your Santa Fe car insurance affordable.<\/span><\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_ae605517fdb25d59f6ac45823b2b9e96\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Santa Fe?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>If you get into an accident without having enough insurance coverage, you may be stuck with some large bills to pay. If you are driving without any insurance at all, it will be much worse!<\/p>\n<p>What happens if you are caught driving in Santa Fe without any car insurance at all? For the first offense, you may pay a fine up to $300 dollars and spend up to 90 days in jail. For the second offense, you may have to pay a fine of up to $1,000 dollars and spend up to six months in jail.<\/p>\n<p>If there are further offenses, the court may potentially assign harsher punishments. As we said before, you\u2019ll still be stuck with bills for any damage you caused while driving without liability coverage.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_274b369d58bd6ed041aa785df9db2500\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Quote for Car Insurance in Santa Fe Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/Santa-Fe.jpg\" alt=\"A street in Santa Fe City calm in the afternoon\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Now you know the most important things about getting car insurance in Santa Fe. But do you know where to finally get the car insurance rates you deserve? At Freeway, we can help!<\/p>\n<p>Get started with a quote <a href=\"#modal-turbo\">online<\/a>, visit us at <a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\">a local office<\/a> near you, or call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":33180,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33224"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=33224"}],"version-history":[{"count":22,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33224\/revisions"}],"predecessor-version":[{"id":47413,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33224\/revisions\/47413"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/33180"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=33224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}