The current average rate of insurance in Las Cruces is $1,356 per year, which is cheaper than the statewide average of $1,460. Even though costs in Las Cruces are less than in other parts of New Mexico, smart drivers should still shop around to make sure they are purchasing the best policy to fit their needs.
policycentral can help you see options from top car insurance companies, so you can be sure you’re choosing the right policy.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Las Cruces, NM
Car insurance rates are calculated using factors such as your age, location, and driving history. Insurance companies use this information to determine how much each driver should pay for insurance.
Rates will vary from driver to driver depending on the driver’s background, driving history, and their insurer.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $810 | 890 |
State Farm | $907 | 882 |
GEICO | $918 | 874 |
Central Insurance | $1,070 | -- |
Nationwide | $1,210 | 868 |
Cheapest car insurance rates by ZIP code in Las Cruces, NM
Insurance companies look at data regarding the population and crime in a certain area to determine the cost of insurance, so rates can fluctuate by ZIP code. The more likely a driver may get in an accident or be a victim of theft, the higher their premium will be.
ZIP code | Average cost |
|---|---|
88011 | $1,316 |
88012 | $1,337 |
88001 | $1,361 |
88005 | $1,378 |
88007 | $1,389 |
Choosing the right car insurance company in Las Cruces, NM
The right car insurance company may be different for everyone. You’ll want to look out for not only the lowest rates but also the best coverage for your needs.
policycentral can help you understand the coverage you need and the car insurance company that offers you your best rates, so you can feel confident in your choice.
Car insurance rates for drivers with driving violations in Las Cruces, NM
Insurance companies look at driving history as an indicator of how likely you are to be in an accident or get a ticket. Risky behavior will often lead to higher premiums. While certain violations will make less of an impact on your premiums, more severe violations can significantly increase your rates.
Violation | USAA | State Farm | GEICO | Central Insurance | Nationwide |
|---|---|---|---|---|---|
At-fault accident | $1,226 | $993 | $1,545 | $1,497 | $1,891 |
DUI | $1,672 | $993 | $1,901 | $1,913 | $2,371 |
Suspended license | $1,588 | $993 | $1,710 | $1,913 | $2,371 |
Open container | $1,150 | $993 | $1,901 | $1,339 | $2,371 |
Expired registration | $1,057 | $993 | $1,159 | $1,286 | $1,502 |
Driving without lights | $1,057 | $993 | $1,159 | $1,286 | $1,502 |
Running a red light | $1,057 | $993 | $1,159 | $1,339 | $1,502 |
Following too closely | $1,057 | $993 | $1,159 | $1,339 | $1,502 |
Hit and run | $1,755 | $993 | $1,901 | $1,913 | $2,371 |
Not-at-fault accident | $853 | $918 | $928 | $1,126 | $1,271 |
Passing a school bus | $1,150 | $993 | $1,159 | $1,339 | $1,502 |
Reckless driving | $1,150 | $993 | $1,901 | $1,913 | $2,371 |
Speeding | $1,057 | $993 | $1,901 | $1,339 | $1,502 |
Cheapest car insurance for drivers with a DUI in Las Cruces, NM
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $993 |
USAA | $1,672 |
GEICO | $1,901 |
Central Insurance | $1,913 |
Nationwide | $2,371 |
Cheapest car insurance for drivers with a speeding ticket in Las Cruces, NM
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $993 |
USAA | $1,057 |
Central Insurance | $1,339 |
Nationwide | $1,502 |
GEICO | $1,901 |
Cheapest car insurance for drivers with bad credit in Las Cruces, NM
A low credit score has the potential to affect your car insurance rate in Las Cruces, but improving your credit score may reduce your rates the next time you shop around.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,280 |
USAA | $1,478 |
Nationwide | $1,821 |
State Farm | $1,850 |
Central Insurance | $1,950 |
Buying car insurance in Las Cruces, NM
Most states, including New Mexico, require drivers to have some form of car insurance. Here is what’s mandated in the state:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $10,000
Because New Mexico is an at-fault state, if you can afford more than the minimum, it is prudent to consider it. Health care costs may be too expensive to cover on your own, and car repairs can be expensive and if you damage someone else’s vehicle.
How to get cheap car insurance in Las Cruces, NM
Utilizing discounts is one way to lower the cost of insurance. Here are some examples to help save money:
Drive safely: Insurers will discount your rate for a clean driving history
Take a defensive driving class: Some companies offer discounts if you take a defensive driving class.
Look out for other discounts: Service members and their families can save with a military discount. Insurers may offer discounts to seniors, especially if you take a refresher driving class. High school and college students can save money if they have an eligible GPA
Bundle policies: Many companies offer discounts if you purchase your auto and home insurance together.
Reshop annually: Whenever your policy is up for renewal, you may save money by looking for more affordable coverage elsewhere.
Frequently asked questions
Is New Mexico a fault state or a no-fault state?
New Mexico is considered a "fault" state, which means the at-fault driver in an accident is held responsible for any damages caused by the accident.
How does crime in Las Cruces affect my premium?
Insurers use location as a factor in calculating the cost of insurance. ZIP codes with high crime rates often see higher premiums due to an increased likelihood for car theft and vandalism.
How much is car insurance per month in New Mexico?
The average cost of car insurance in New Mexico is $122 per month, or $1,460 per year.
Is it illegal to not have car insurance in New Mexico?
New Mexico requires drivers to carry at least 25/50/10 levels of liability coverage, which means $25,000 per person/$50,000 per accident in bodily injury liability and $10,000 in property damage liability coverage. Not having at least the minimum required level of coverage is a misdemeanor in New Mexico and could result in suspension of your registration.
