Best Las Cruces, New Mexico Auto Insurance in 2025
The average Las Cruces, NM auto insurance rates are $259 per month. The minimum auto insurance in Las Cruces is at least 25/50/10 in coverage to comply with New Mexico auto insurance laws. To find the best cheap auto insurance in Las Cruces, New Mexico, compare quotes from multiple companies.
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Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life...
Maria Hanson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated September 2024
- The minimum auto insurance required in Las Cruces, New Mexico is 25/50/10
- Average auto insurance rates in Las Cruces, NM for senior drivers are $1,767 per year
- The most expensive auto insurance company in Las Cruces for teen drivers is Farmers
Las Cruces, New Mexico auto insurance requirements are 25/50/10 according to New Mexico auto insurance laws. Finding cheap auto insurance in Las Cruces can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Las Cruces, New Mexico, including driving record, credit, commute time, and more.
Compare auto insurance in Las Cruces to other New Mexico cities, including Albuquerque auto insurance rates, Santa Fe auto insurance rates, and Roswell auto insurance rates to see how Las Cruces, New Mexico auto insurance rates stack up.
Before you buy Las Cruces, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Las Cruces, New Mexico auto insurance quotes.
Minimum Auto Insurance in Las Cruces, New Mexico
Las Cruces, New Mexico auto insurance laws require that you have at least the New Mexico minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Las Cruces, New Mexico Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Las Cruces, New Mexico are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Las Cruces, New Mexico Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Las Cruces, New Mexico is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Las Cruces, New Mexico Auto Insurance for Seniors
What are senior auto insurance rates in Las Cruces, New Mexico? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Las Cruces, New Mexico Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Las Cruces, New Mexico compared to the annual auto insurance rates with a clean record in Las Cruces, New Mexico.
| 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 |
Cheap Las Cruces, New Mexico Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Las Cruces, New Mexico is not easy. Compare the annual rates for DUI auto insurance in Las Cruces, New Mexico to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Las Cruces, New Mexico Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Las Cruces, New Mexico annual auto insurance rates by credit history compare.
| 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 |
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Cheap Las Cruces, New Mexico Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Las Cruces, New Mexico can vary. Compare the annual cost of auto insurance by ZIP code in Las Cruces, New Mexico to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 88001 | $3,279 |
| 88005 | $3,285 |
| 88007 | $3,307 |
| 88011 | $3,266 |
| 88012 | $3,246 |
Cheap Las Cruces, New Mexico Auto Insurance Rates By Commute
Commute length and annual mileage affect Las Cruces, New Mexico auto insurance. Find the cheapest annual Las Cruces, New Mexico auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Las Cruces, New Mexico Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Las Cruces, New Mexico? Check out the comparison of annual Las Cruces, New Mexico auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Las Cruces, New Mexico
Compare the cheapest auto insurance companies in Las Cruces, New Mexico in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Las Cruces, New Mexico Auto Insurance Companies
What auto insurance companies in Las Cruces, New Mexico are the cheapest? Compare the top Las Cruces, New Mexico auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Las Cruces, New Mexico?
There are a lot of reasons why auto insurance rates in Las Cruces, New Mexico are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Las Cruces, New Mexico. Many local factors may affect your Las Cruces auto insurance rates.
Las Cruces Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Las Cruces, New Mexico auto theft statistics, there have been 284 auto thefts in the city.
Las Cruces Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Las Cruces, New Mexico commute length is 18.8 minutes according to City-Data.
Las Cruces Traffic
How does Las Cruces, New Mexico rank for traffic? According to Inrix Las Cruces, New Mexico is the 930th most congested worldwide.
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Compare Las Cruces, New Mexico Auto Insurance Quotes
Before you buy Las Cruces, New Mexico auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Las Cruces, New Mexico auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Las Cruces, New Mexico?
The minimum auto insurance requirements in Las Cruces, New Mexico, according to state laws, are 25/50/10 coverage. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How can I find the best cheap auto insurance in Las Cruces, New Mexico?
To find the best cheap auto insurance in Las Cruces, New Mexico, it is recommended to compare quotes from multiple companies. By comparing rates and coverage options, you can find a policy that suits your needs and budget. Use our free quote tool by entering your ZIP code to compare quotes from top companies.
How do age, gender, and marital status affect auto insurance rates in Las Cruces, New Mexico?
Age, gender, and marital status can impact auto insurance rates in Las Cruces, New Mexico. Younger drivers, especially teens, typically have higher rates due to their limited driving experience. Male drivers may have higher rates compared to females, and unmarried individuals may also face higher premiums. Insurance companies consider these factors as they assess the risk profile of drivers.
Are there any special considerations for teen drivers looking for auto insurance in Las Cruces, New Mexico?
Teen drivers in Las Cruces, New Mexico often face higher auto insurance rates due to their lack of driving experience. However, there are ways to find cheaper options. It is recommended to explore discounts for good grades, driver’s education courses, or being added to a parent’s policy. Comparing quotes from different insurance companies can also help find more affordable rates for teen drivers.
How does driving record affect auto insurance rates in Las Cruces, New Mexico?
Your driving record has a significant impact on auto insurance rates in Las Cruces, New Mexico. Drivers with a clean record, without any accidents or traffic violations, generally qualify for lower rates. On the other hand, drivers with a history of accidents, tickets, or DUI convictions may face higher premiums. Insurance companies consider past driving behavior as an indicator of future risk.
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