Click here for our full-length guide to New Mexico car insurance quotes, discounts, and state requirements.

Las Cruces is situated on the Rio Grande in Mesilla Valley Bosque State Park, at the edge of the Chihuahuan Desert. Home to sprawling farmland, enticing wildlife, and unique culture. From the Museum of Nature and Science to the Old Depot, this historic city to residents and visitors alike.

Car travel is the main mode of transportation for nearly 100,000 Las Cruces residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Las Cruces. Let’s get on our way to great savings. Compare and save on the best and cheapest car insurance quotes in New Mexico here.

Find cheap car insurance quotes for Las Cruces today.

For more city-specific car insurance details, check out our overview of Albuquerque

Cheapest Car Insurance Quotes in Las Cruces, NM

Here are the cheapest insurance companies in Las Cruces, based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
State Farm$57/month
The General$114/month

USAA often offers the lowest car insurance rates to New Mexico drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Las Cruces, NM

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Las Cruces. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuote
State Farm83$57/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Las Cruces has much lower monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Las Cruces Average Premium NM Average Premium

National Average Premium

$77/month $106/month


Las Cruces Auto Insurance FAQs 

Which company offers the cheapest auto insurance quotes in Las Cruces?

The best way to get the cheapest car insurance in Las Cruces and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How is fault assigned after a car accident in New Mexico?

New Mexico is an at-fault state, which means the person who is the cause, or “at fault,” for the accident pays for medical expenses and damages. In a no-fault insurance state, the insurance provider pays regardless of fault.

What is the penalty for driving uninsured in New Mexico?

Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in New Mexico, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance.

Las Cruces Auto Insurance Requirements 

Before operating on New Mexico roadways, New Mexico drivers must ensure their motor holds sufficient liability insurance. 

Liability coverage is a safety necessity.

In New Mexico, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Las Cruces auto insurance rates.

Read more about New Mexico car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Las Cruces MVD Information 

There are a few MVD service outposts throughout Las Cruces, New Mexico. There are two MVD field offices, two title service companies, three driver’s education schools, and one private MVD center. 

Public Transit in Las Cruces

RoadRUNNER transit services Las Cruces and the surrounding area. With eight routes, residents can access convenient and affordable bus services around the city. Ridesharing services like Uber, Lyft, and traditional taxis operate across Las Cruces.

Conclusion: How to get the best and cheapest car insurance in Las Cruces

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 20.8 percent of vehicles driving uninsured throughout New Mexico, give yourself peace of mind with sufficient car insurance coverage, ranking third in the country for the most uninsured drivers. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated February 12, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.