Car Insurance in Gallup, NM
Before you head west to the Four Corners region, be sure you have car insurance in Gallup.
Situated between the Navajo Nation to the north and the Zuni Reservation to the south, the 20 square miles that make up Gallup, New Mexico, are home to 20,932 people from a mix of cultures. More than 1,100 of these residents are veterans, leading Rand McNally to dub Gallup America's Most Patriotic Small Town.
As you cruise through Gallup at night, you can admire the colorful neon signs that light business windows along historic Route 66. During the day, watch out for quirky roadside attractions, including old trucks suspended in the air, a muffler man and large Kachina statues dating to the 1950s.
No matter the season, be sure you have car insurance in Gallup. Summer temperatures above 90 degrees can cause over-inflated tires and overheated engines. In winter, Gallup experiences freezing temperatures an average of 178.8 nights of the year, resulting in icy roads and hazardous driving conditions.
One of the best things about Gallup is that you can take home souvenirs from Gallup's famous trading posts. Native Americans not only sell their metalwork here but are responsible for creating 70% of the indigenous jewelry shipped across the United States. You can also buy authentic rugs and pottery from several different tribes.
The Gallup Express only runs Monday through Friday, with the last buses arriving around 7:00 p.m. Unfortunately, this public transportation service is unavailable if you work third shift or want to go out on weekends. If you do, then you will need a vehicle to drive and insurance to go with it. Driving without coverage is a misdemeanor in New Mexico, and getting caught without it can cost you fines and possible jail time.
The average price of car insurance in Gallup is $1,447 per year. This rate is lower than the state and national averages because Gallup is a small town in a rural area. Other factors that affect your individual monthly premium include your age, gender and driving history, as well as the type of vehicle you own.
The southeastern part of town is the safest place for your vehicle, with only about two car theft cases occurring in a typical year. The town receives a grade of B- for vehicle thefts overall, with a 1 in 234 chance of someone taking your car in the central part of town or 1 in 292 in the southeastern neighborhoods. If you do not have an anti-theft system on your vehicle, be sure you have comprehensive vehicle insurance to protect you from this type of property crime.
With all the variables that go into calculating an insurance premium, it is impossible to predict how much your rate will be on your own. However, consulting with an insurance agent by phone can be time-consuming. The best way to know you are getting a good deal on car insurance in Gallup is to use VIU by HUB's rate comparison tool.
VIU by HUB allows you to see which companies provide auto insurance at your address. It also shows you a side-by-side comparison of their rates so you know who offers the best deal. This free online service lets you enjoy driving in the desert southwest, knowing you have enough coverage to protect you from whatever you encounter on Route 66 and beyond.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
