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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
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.
Here are the cheapest carriers in Clovis for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $22/mo |
 State Farm | $50/mo |
 Travelers | $97/mo |
 Allstate | $99/mo |
 Nationwide | $108/mo |
| Best Companies | Quotes | |
|---|---|---|
 Liberty Mutual | $196/mo |
New Mexico Cities | |
|---|---|
| Albuquerque | $131/mo |
| Las Cruces | $77/mo |
| Rio Rancho | $119/mo |
| Santa Fe | $99/mo |
| Clovis | $89/mo |
| New Mexico | $103/mo |
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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:
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:
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.
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.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $268 |
| 20s | $201 |
| 30s | $245 |
| 40s | $142 |
| 50s | $202 |
| 60s | $160 |
| 70s | $129 |
| 80s | $123 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $201 |
| Speeding Ticket | $211 |
| At-Fault Accident | $278 |
| Failure to Stop for Red Light / Stop Sign | $521 |
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.
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.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $136 |
| Good | $232 |
| Average | $201 |
| Poor | $205 |
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.
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.
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Clovis stacks up for the state of New Mexico:
