Compare Las Cruces, NM Car Insurance Rates (2021)

Car insurance in Las Cruces, NM averages $259 a month. Las Cruces, New Mexico car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Las Cruces car insurance rates, compare quotes from the top car insurance companies in Las Cruces, NM.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Las Cruces, NM are $3,105/year
  • The cheapest car insurance company in Las Cruces is USAA
  • The cheapest car insurance company in Las Cruces for teen drivers is USAA

If you need to buy Las Cruces, New Mexico car insurance, the options can be confusing. Everything you need to know about car insurance in Las Cruces, NM is right here.

You’ll find Las Cruces car insurance rates, the cheapest Las Cruces, NM car insurance companies, and information on New Mexico car insurance laws. You can also compare Las Cruces, New Mexico car insurance rates to Gallup car insurance rates, Santa Fe car insurance rates, and Hobbs car insurance rates.

Ready to find affordable Las Cruces, NM car insurance today? Enter your ZIP code for fast, free Las Cruces car insurance quotes.

Cheapest Las Cruces, NM Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Las Cruces, NM car insurance rates? Every Las Cruces, New Mexico car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Las Cruces, New Mexico

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,352 $2,368 $2,144 $2,257 $7,693 $8,879 $2,619 $2,778
Farmers $2,311 $2,305 $2,065 $2,204 $9,539 $9,830 $2,588 $2,660
GEICO $2,412 $2,478 $2,269 $2,269 $7,018 $9,580 $2,537 $2,540
Nationwide $1,972 $2,002 $1,800 $1,883 $4,663 $5,853 $2,216 $2,367
Progressive $1,376 $1,328 $1,258 $1,260 $5,672 $6,371 $1,653 $1,700
State Farm $1,420 $1,420 $1,301 $1,301 $3,977 $4,999 $1,594 $1,749
USAA $1,429 $1,416 $1,370 $1,363 $3,675 $4,144 $1,756 $1,875

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Minimum Car Insurance in Las Cruces, NM

Every driver must carry the minimum car insurance in Las Cruces, NM. Take a look at the New Mexico car insurance requirements.

Minimum Required Car Insurance Coverage in Las Cruces, New Mexico

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Las Cruces, NM Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Las Cruces, NM. Compare credit history car insurance rates in Las Cruces from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Las Cruces, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,793 $3,983 $3,788
GEICO $4,357 $3,795 $3,512
Nationwide $3,479 $2,706 $2,349
Progressive $2,818 $2,522 $2,391
State Farm $3,171 $1,949 $1,540
USAA $2,656 $1,996 $1,734

Cheapest Las Cruces, NM Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Las Cruces, NM to rates for a clean record with top companies.

Annual Las Cruces, New Mexico Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,218 $4,496 $3,612
Farmers $3,543 $4,562 $4,454 $4,191
GEICO $2,295 $3,678 $7,283 $2,295
Nationwide $2,147 $2,986 $3,824 $2,421
Progressive $2,234 $3,047 $2,402 $2,627
State Farm $2,078 $2,267 $2,267 $2,267
USAA $1,578 $2,195 $2,905 $1,837

Cheapest Las Cruces, NM Car Insurance for Teen Drivers

Teen car insurance in Las Cruces, NM can be expensive. Take a look at rates from the top car insurance companies in Las Cruces for teenagers.

Annual Car Insurance Rates for Teen Drivers in Las Cruces, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $9,539 $9,830
GEICO $7,018 $9,580
Nationwide $4,663 $5,853
Progressive $5,672 $6,371
State Farm $3,977 $4,999
USAA $3,675 $4,144

Cheapest Las Cruces, NM Car Insurance for Seniors

Take a look at Las Cruces, NM senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Las Cruces, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $2,065 $2,204
GEICO $2,269 $2,269
Nationwide $1,800 $1,883
Progressive $1,258 $1,260
State Farm $1,301 $1,301
USAA $1,370 $1,363

Cheapest Las Cruces, NM Car Insurance Rates After a DUI

A DUI in Las Cruces, NM increases car insurance rates. Compare Las Cruces, New Mexico DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Las Cruces, New Mexico

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,496
Farmers $4,454
GEICO $7,283
Nationwide $3,824
Progressive $2,402
State Farm $2,267
USAA $2,905

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Cheapest Las Cruces, NM Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Las Cruces, NM by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Las Cruces, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $4,188 $4,188
GEICO $3,828 $3,948
Nationwide $2,845 $2,845
Progressive $2,577 $2,577
State Farm $2,162 $2,278
USAA $2,065 $2,192

Cheapest Las Cruces, NM Car Insurance Rates by ZIP Code

Las Cruces car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Las Cruces, NM.

Annual Car Insurance Rates by ZIP Code in Las Cruces, New Mexico

ZIP Code Average Annual Rates
88001 $3,279
88005 $3,285
88007 $3,307
88011 $3,266
88012 $3,246

The Best Cheap Car Insurance Companies in Las Cruces, NM

Take a look at a side-by-side comparison of the top car insurance companies in Las Cruces, NM to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Las Cruces, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $4,188
GEICO $3,888
Nationwide $2,845
Progressive $2,577
State Farm $2,220
USAA $2,129

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Category Winners: Cheapest Car Insurance in Las Cruces, New Mexico

Find the cheapest car insurance companies in Las Cruces, NM for each category right here.

Best Annual Car Insurance Rates by Company in Las Cruces, New Mexico

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Las Cruces, NM Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Las Cruces car insurance rates. Find the cheapest Las Cruces, NM car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Las Cruces, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,796 $4,148 $4,620
GEICO $3,606 $3,879 $4,179
Nationwide $2,778 $2,816 $2,940
Progressive $2,442 $2,577 $2,714
State Farm $2,004 $2,229 $2,426
USAA $1,967 $2,139 $2,280

What affects car insurance rates in Las Cruces, New Mexico?

What factors can have an impact on Las Cruces, NM car insurance? There are several reasons why Las Cruces car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Las Cruces, New Mexico.

Car Theft in Las Cruces

High levels of vehicle theft can make car insurance more expensive. Las Cruces, NM car theft statistics from the FBI indicate 284 vehicle thefts a year.

Commute Time in Las Cruces

The more time you spend in your car the higher the risk of an accident. The average commute length in Las Cruces, NM is 18.8 minutes according to City-Data.

Traffic in Las Cruces

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Las Cruces, NM traffic data from INRIX ranks Las Cruces as the 930th-most congested in the world.

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Compare Car Insurance Quotes in Las Cruces, NM

Ready to find affordable Las Cruces, New Mexico car insurance today? Enter your ZIP code for fast, free Las Cruces, NM car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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