Cheap Auto Insurance Quotes in Clovis, NM (2021)

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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.

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.

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Cheapest Car Insurance in Clovis, NM

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.

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 carrier reviews. The following are the top rated carriers 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.

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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.

Driver's AgeAvg. Monthly Cost
teens$268
20s$201
30s$245
40s$142
50s$202
60s$160
70s$129
80s$123
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$136
Good$232
Average$201
Poor$205

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.

Conclusion: 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.

Insurify Rankings

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:

ford
Ford F-Series Pickup
Most Popular Car in
Clovis, NM
suspended licenses
#9
Cities with Most
Suspended Licenses Rank

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.