18+ years experience in finance writing
Background in communications for banks and credit unions
Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated October 10, 2024
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Table of contents
Home to New Mexico State University, Las Cruces sits at the center of the Mesilla Valley. It’s fitting then that its car insurance rates sit at the center of the state average as well.
Drivers in Las Cruces pay an average of $117 per month for car insurance, according to Insurify data. The city’s rates are about the same as the state average of $127 but less than the national average of $158.
Las Cruces is New Mexico’s second-largest city.[1] But it has few traffic fatalities each year. And auto theft rates decreased in 2023 compared to 2022, likely keeping the city’s rates affordable.[2]
The average rate for liability-only insurance in Las Cruces is $65 per month, and full coverage costs an average of $168 per month.
State Farm, USAA, and GEICO are the cheapest car insurance companies in Las Cruces.
New Mexico only requires drivers to maintain liability coverage.
3 of the cheapest car insurance companies in Las Cruces
The best car insurance policy balances price with adequate coverage based on your needs. It may not necessarily be the most affordable option you can get.
It’s a good idea to shop around and compare car insurance rates, coverage options, discounts, and other features before buying a policy.
As you begin your search, keep these leading Las Cruces insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
State Farm | 9.3 | $64 | $32 | Students |
USAA | 9.4 | $77 | $38 | Military members |
GEICO | 9.0 | $79 | $39 | Renters |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for students: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $57/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Antoinette
October 10, 2024
Not Happy
Jerry
October 10, 2024
Good Insurance
Sanford
October 10, 2024
Not Happy
Nearly 15,000 undergraduate and graduate students attend New Mexico State University in Las Cruces. Students may find the protection they need with State Farm’s standard insurance coverage options.
State Farm offers students multiple ways to save, including discounts for driver training, being away at school, and getting good grades. Students may also qualify for Steer Clear — a safe driver discount for State Farm customers younger than 25.
Higher-than-average J.D. Power customer satisfaction rating in the Southwest region
Fewer complaints than expected, according to the National Association of Insurance Commissioners (NAIC)
No specialty coverage
All discounts aren’t available in every state
Best insurer for military members: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Herbert
October 10, 2024
USAA's Rising Rates
Steven
October 8, 2024
High Cost
Janice
October 7, 2024
USAA Rating
Las Cruces is home to Holloman Air Force Base, an installation that supports 21,000 active-duty, guard, reserve, and retired military members and their families. USAA specializes in providing insurance, banking, and retirement products to the military community.
The company offers a standard selection of auto insurance coverages. Plus, it has discounts for garaging your car on base, insuring multiple vehicles, bundling auto and homeowners insurance, and more. USAA’s pay-as-you-drive program can help members who are deployed, work from home, or have short commutes save on their premiums.
Higher-than-average J.D. Power customer satisfaction rating in the Southwest region
Fewer complaints than expected, according to the NAIC
Available only to military members, veterans, and their families
No specialty coverage options
Best insurer for renters: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $70/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Barbara
October 10, 2024
Great company with high price!
Josephine
October 10, 2024
Expensive
Kurt
October 10, 2024
Too expensive
Nearly 44% of Las Cruces residents are renters, who may find affordable coverage from GEICO.[3] The company offers standard coverage options, plus several specialty coverages.
GEICO provides a discount to policyholders who bundle their auto and renters insurance. You can also save with accident-free, defensive driving, seat belt use, multi-vehicle, and many other discounts. GEICO’s accident forgiveness may help prevent your rates from increasing after an at-fault accident.
Feature-rich app allows you to make payments, manage coverage, request roadside assistance, and report and track claims
Fewer complaints than expected, according to the NAIC
Limited add-ons available
Lower-than-average J.D. Power customer satisfaction rating in the Southwest region
How to get the cheapest car insurance in Las Cruces
Various factors affect premiums, including your age, driving record, ZIP code, credit score, amount of coverage, and more. You can’t control every factor insurance companies consider. But you can do some things to find the best deal, including:
Increase your deductible. Auto insurance policies with higher deductibles typically cost less than policies with low deductibles. This is because you’re taking on more of the risk yourself.
Improve your credit score. Insurers may consider your credit history when determining rates. Drivers with better credit typically qualify for lower rates.
Drop comprehensive and collision. If you drive an older car that isn’t worth much, dropping comprehensive and collision coverage can help you save. However, if you have a late-model vehicle or a car that maintains its value, it’s probably best to hold onto these coverages.
Shop around. Rates can vary significantly between different companies. Getting quotes from multiple insurers can help you find cheap car insurance in Las Cruces.
Cheapest liability-only car insurance in Las Cruces: State Farm
Liability car insurance covers your financial responsibility to others if you cause an accident. It helps pay for injuries and damage that the other driver and their passengers suffer. It doesn’t cover your injuries or vehicle repairs. Because of this, liability coverage is often the most affordable.
The average rate for liability coverage in Las Cruces is $65 per month, and you can see a collection of rates offered by top insurers below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $28 |
USAA | $34 |
GEICO | $35 |
National General | $49 |
Midvale Home & Auto | $50 |
The General | $53 |
Hallmark | $54 |
Allstate | $56 |
Progressive | $60 |
Farmers | $67 |
Dairyland | $68 |
Nationwide | $68 |
Safeco | $69 |
GAINSCO | $76 |
Bristol West | $77 |
Foremost | $93 |
Liberty Mutual | $104 |
Cheapest full-coverage car insurance in Las Cruces: State Farm
Full coverage offers greater protection. It includes liability coverage as well as collision and comprehensive coverages. Collision pays for crash-related damage to your vehicle. Comprehensive covers damage from incidents other than accidents, such as severe weather, theft, and vandalism.
People driving newer, more expensive vehicles typically benefit from carrying full coverage. Lenders also usually require it if you have an auto loan or lease. The average rate for full coverage in Las Cruces is $168 per month, and you can see a collection of rates offered by top insurers below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $57 |
USAA | $68 |
GEICO | $70 |
Allstate | $112 |
Midvale Home & Auto | $113 |
Progressive | $121 |
Safeco | $127 |
Farmers | $134 |
National General | $134 |
Nationwide | $136 |
The General | $136 |
Hallmark | $140 |
Dairyland | $167 |
GAINSCO | $187 |
Liberty Mutual | $213 |
Bristol West | $224 |
Foremost | $259 |
Cheapest recent rates near Las Cruces, New Mexico
Drivers in and around Las Cruces, New Mexico have found policies from Liberty Mutual, The General, Farmers, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Las Cruces, New Mexico within the last 10 days. Last updated on October 10, 2024
*Quotes generated for Insurify users in and around Las Cruces, New Mexico within the last 10 days. Last updated on October 10, 2024
Car insurance requirements in New Mexico
New Mexico is an at-fault, or tort, state. In at-fault states, the driver who causes an accident is responsible for the damages. The table below shows the minimum amount of coverage New Mexico drivers must maintain by law.[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $10,000 per accident |
State-minimum coverage is the most affordable policy you can buy. But it’s unlikely to offer enough protection if you’re in a serious accident. Here are some additional options to consider for added protection:
Collision coverage
Collision insurance pays for accident-related damage to your vehicle.
Comprehensive coverage
Comprehensive insurance pays for damage to your vehicle caused by something other than a crash, such as a falling object or severe weather.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your injuries and damage to your vehicle if an uninsured or underinsured driver causes an accident.
Medical payments coverage
Medical payments coverage pays for your and your passengers’ injuries after an accident.
Rental car reimbursement
This covers the cost of renting a vehicle while yours is being repaired.
Gap insurance
Gap coverage pays the difference between the balance on your auto loan or lease and the value of your car if it’s totaled.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their records — including at-fault accidents, speeding tickets, DUIs, and other moving violations — typically pay more for coverage. This is because insurance companies consider people without clean driving records to be higher-risk and more likely to file a claim in the future.
In the table below, you can see how different incident types affect your car insurance rates in Las Cruces.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $28 | $36 | $39 | $47 |
USAA | $34 | $44 | $48 | $58 |
GEICO | $35 | $45 | $49 | $59 |
National General | $49 | $64 | $69 | $83 |
The General | $53 | $70 | $75 | $90 |
Allstate | $56 | $73 | $78 | $95 |
Progressive | $60 | $78 | $85 | $102 |
Farmers | $67 | $86 | $93 | $114 |
Dairyland | $68 | $88 | $95 | $115 |
Nationwide | $68 | $89 | $96 | $115 |
Safeco | $69 | $91 | $95 | $117 |
GAINSCO | $76 | $107 | $102 | $129 |
Bristol West | $77 | $100 | $107 | $131 |
Foremost | $93 | $130 | $139 | $158 |
Liberty Mutual | $104 | $146 | $156 | $176 |
Average cost of car insurance by age
Age is one of the most important factors insurance companies use to determine cost. Teens and young adults have the highest rates because they have the least experience. They’re also more likely to get in an accident than other age groups.[5]
Rates decrease as drivers gain more experience. They typically drop significantly around age 25 and remain low until age 70. After that, you may see an uptick in price again.
Here’s a look at average rates for Las Cruces drivers by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $313 |
20s | $387 |
30s | $361 |
40s | $306 |
50s | $229 |
60s | $161 |
70s | $120 |
Las Cruces car insurance quotes by credit tier
New Mexico insurers may consider an applicant’s credit history when determining rates. People with excellent or good credit typically qualify for lower rates than people with poor credit.
However, the New Mexico Personal Insurance Credit Information Act limits how companies can use credit.
A person’s credit history can’t be the only factor insurers use to set rates or deny or cancel coverage. And if an applicant has a limited credit history, the company can’t increase their rate because of it. The insurer must give the person average or above-average rates or calculate the policy’s price using other factors.
The table below shows average full-coverage rates for drivers based on credit scores.
Rates by Credit Tier
Las Cruces car insurance FAQs
Looking for information to help you find the most affordable rates in Las Cruces? Consult the answers below.
How much is car insurance in Las Cruces?
The average rate of car insurance in Las Cruces is $117 per month. The average rate for full coverage is $168, and the average rate for liability coverage is $65 per month.
Who has the cheapest car insurance in Las Cruces?
State Farm offers the cheapest car insurance in Las Cruces, at $28 per month. USAA and GEICO also offer cheap car insurance in the area, with monthly rates of $34 and $35, respectively.
What are the best car insurance companies in Las Cruces?
GEICO, State Farm, and USAA rank as three of the top insurers in Las Cruces, and it’s easy to see why. Each is a national insurer recognized for its financial stability, discounts offered, competitive rates, and outstanding customer service. But keep in mind that the best insurer for you may be another one entirely. That’s why it’s important to compare quotes from at least three to five insurers to find the best policy for you.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in New Mexico
Sources
- New Mexico Demographics. "New Mexico Cities by Population."
- KTSM. "Las Cruces Police fight auto break-ins with new ‘lock, take, hide’ signs."
- U.S. Census Bureau. "Las Cruces, New Mexico."
- New Mexico MVD. "Insurance."
- Insurance Information Institute. "Teen Drivers and Passengers: Get the Facts."
Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in