Best Cheap Auto Insurance in Las Cruces, NM (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • 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.

Minimum Required Auto 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

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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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Las Cruces, New Mexico Auto 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

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.

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

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.

Annual Auto 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

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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.

Annual Auto 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

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.

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

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.

Annual Auto 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

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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.

Best Annual Auto 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

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.

Average Annual Auto 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

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.

Free Auto Insurance Comparison

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

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