Cheap Auto Insurance Quotes in Clovis, NM (January 2022)

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Last Updated: January 2022

Clovis has 38,000 residents, and most folks drive as their primary mode of transportation. Finding the best auto insurance policy is like an oasis in the middle of the desert.

Over 95 percent of Clovis households own cars. But it's still possible to find yourself on a New Mexico road with nobody else in sight. Before you're driving all on your lonesome, wish for a magical car insurance policy to match the Land of Enchantment.

Car Insurance in Clovis, NM

The average cost of New Mexico car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clovis, NM to find you the cheapest quotes in the area.
ProgressiveState FarmTravelersAllstateNationwide

Cheapest Car Insurance in Clovis, NM

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Clovis, 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 Clovis. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Clovis, NM Driving Facts


Minimum Car Insurance Requirements in NM

The state of New Mexico requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in New Mexico are:

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

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum limits New Mexico state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liabiltiy insurance requirements in New Mexico are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New Mexico requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

Clovis Car Insurance Rates by Driver Age

Certainly, you’re a better driver now than when you first began driving. Experience is one reason why more-seasoned drivers in Clovis pay less than young drivers do. Because more-mature drivers drive better, they are less likely to file a claim. This is evident by their car insurance rates. While insurance costs fluctuate from $128 to $200 per month for drivers ages 20 and above, teens shoulder the highest rates among all drivers, at $267. Clovis motorists in their 70s pay the least.

Driving History
No Violation$201
Speeding Ticket$211
At-Fault Accident$278
Failure to Stop for Red Light / Stop Sign$521

Clovis Car Insurance Rates by Driving and Accident History

It makes no sense to drive dangerously if you want to keep your insurance costs down in Clovis. While insurance companies reward clean drivers with low rates, policies are higher for drivers they suspect will make a future claim. Drivers with a failure-to-stop violation pay $520 on average for car insurance. By comparison, the clean-record crowd pays just $200. How are car insurance companies made aware of your mistakes? They review your motor vehicle record (MVR) when you establish your policy and when you renew.

Clovis Car Insurance Rates by Credit Tier

If you thought your credit rating was between you and the credit card company, think again. Car insurance companies consider credit when calculating your insurance rates. It’s not necessarily how much credit you have but how you use it that matters to them. People who manage their money wisely (like paying their bills on time or keeping their debt-to-income ratio in check) pay less for car insurance than people who don’t. In Clovis, motorists with poor credit pay an average of $191. In comparison, premiums for those with excellent credit average out to $135.

Clovis, NM DMV Information

The Clovis Motor Vehicle Department is at 900 W 6th St., Clovis, NM 88101. The office hours are Monday through Friday from 8 a.m. to 4 p.m., and the phone number is 1 (575) 762-3732. Vehicle registration renewal, driver license renewal and replacement, ticket payment, license status, and other services can be done online.

Public Transportation in Clovis, NM

Most people in Clovis drive, but the city provides public transportation. The Clovis Area Transit System Stageline works fixed routes, and Round Up offers paratransit by reservation. Both options allow passengers to ride free during the COVID crisis, but face masks are required. If you don't have time to make a reservation, you can opt for Lyft, the ridesharing service. Clovis Shuttle will get you to the airport, which pretty much rounds out your options in the town.

Find local Clovis agents

General Insurance Agency 
500 Mitchell St., Clovis, NM 88101
Western States Insurance Group 
1001 E. Llano Estacado Blvd, Clovis, NM 88101
Williams Insurance, LLC 
1101 North Norris, Clovis, NM 88101-6370
Kws Independent Insurance Services
2400 N Main St # G, Clovis, NM 88101
Nick Wiegel: Allstate Insurance
501 Commerce Way, Clovis, NM 88101
Nick Wiegel: Allstate Insurance
501 Commerce Way, Clovis, NM 88101
Fred Loya Insurance
600 Texas St Ste B, Clovis, NM 88101
Farmers Insurance - Terry Poynor
1220 N Prince St, Clovis, NM 88101
Doug Saul - State Farm Insurance Agent
2120 Ross St, Clovis, NM 88101
Farmers Insurance - Rosalind Smith
109 Commerce Way, Clovis, NM 88101

Insurify Insights: How Clovis Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Clovis, NM
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Clovis drivers measure up to their fellow New Mexico motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Clovis

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Clovis drivers rank 9 in the number of car accidents per driver across all cities in New Mexico.

  • Rank within state: #9
  • Percent of drivers in Clovis with an accident: 5.97%
  • Drivers in Clovis, NM with an accident in their driving history paid on average 51.52% more than drivers with a clean record

Speeding in Clovis

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Clovis drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Clovis with a speeding ticket: 12.84%
  • Drivers in Clovis, NM with a speeding ticket in their driving history paid on average 43.94% more than drivers with a clean record

DUI/DWIs in Clovis

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Clovis drivers rank 6 in the number of DUI’s per driver across all cities in New Mexico.

  • Rank within state: #6
  • Percent of drivers in Clovis with a DUI: 2.09%
  • Drivers in Clovis, NM with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Clovis

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Clovis is the Ford F-Series Pickup.

Green Driving in Clovis, NM

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of New Mexico offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics

How to get the best and cheapest car insurance in Clovis, NM

Clovis has the best cowboys and cowgirls in Curry County, no matter how much horsepower their rides have. Before you jump on your four-wheeled steed, are you getting the best deal on car insurance? Try Insurify to lasso a lovely rate by comparing dozens of insurance quotes in just a few seconds.

When over 20 percent of drivers on New Mexico roads have no insurance, driving without car insurance is risky. When you pick Insurify to get your rate, it's Christmas every day, no matter if you get red, green, or both chiles in your burrito.

FAQs - Clovis, NM Car Insurance

Why is car insurance so expensive in Clovis?

Over one out of five drivers in New Mexico drive without insurance. Also, the number of fatal car crashes increased by 8 percent. Although the area is rather rural, insurers match the rate with the level of risk.

How can I get the cheapest car insurance in Clovis?

Buying the state minimum coverage is your ticket to the lowest price. That's the least level of protection New Mexico allows. If you financed your car, you still need comprehensive and collision coverage. If that's you, to get a low rate, raise your deductible to the most you can afford out of pocket if you're in an accident.

Who offers the cheapest car insurance in Clovis?

Auto insurance rates vary by city, company, and driver. If you want rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock the savings and discounts that will help you find the coverage you deserve at a price you can afford.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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