Cheap Auto Insurance Quotes in Las Cruces, NM (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Land of Enchantment.

Compare all car insurance quotes in one place

Compare Quotes

Personalized quotes in less than 2 minutes.

No signup required

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.

Welcome to Las Cruces

At the edge of the Chihuahuan Desert, situated on the Rio Grand in Mesilla Valley Bosque State Park, Las Cruces is a gem of the Southwest.Home to sprawling farmland, enticing wildlife, and unique color, Las Cruces offers residents and visitors exciting natural and historic wonders.

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. Compare and save on the best and cheapest car insurance quotes in Las Cruces, New Mexico.

Car Insurance in Las Cruces, 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 Las Cruces, NM to find you the cheapest quotes in the area.

Loading Chart

Cheapest Car Insurance in Las Cruces, NM

Here are the cheapest carriers in Las Cruces 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 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 carrier reviews. The following are the top rated carriers that offer car insurance in Las Cruces. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

Las Cruces, 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.


Las Cruces Car Insurance Rates by Driver Age

Las Cruces has great insurance rates for all ages, as the average premium is less than $250 regardless of age. Teen drivers are still the highest on the list, with an average cost of $233.65, but the next group, those in their 20s, only pays $174.42. Once you move into your 60s, you can expect to pay an average of $116.91, and even lower rates as you get older. Since experience behind the wheel helps insurers judge how much of a risk you are, it makes sense that rates drop as you get older.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$153
Speeding Ticket$187
At-Fault Accident$123
Failure to Stop for Red Light / Stop SignN/A

Las Cruces Car Insurance Rates by Driving and Accident History

Auto insurance rates in Las Cruces have historically been lower than many other cities across the nation. This is even true when considering the driving and accident history of drivers in the city. Those without any prior history of violations or accidents tend to pay on average $152.31. Conversely, motorists with speeding violations will see their average premiums slightly increase to $186.82.

Las Cruces Car Insurance Rates by Credit Tier

Credit ratings and scores are used widely in Las Cruces to help determine the average premium for auto insurance. Unlike other locations across the country, lower rates are often given to those working toward building their credit scores. That is one reason the average rating category features an average premium of $128.52. Even though rates increase slightly as your credit rating improves, the highest category, excellent, only has an average premium of $173.10.

Credit TieAvg. Monthly Cost

Las Cruces MVD Information

There are a few MVD service out[psts throghout Las Cruces, New Mexico. There are two MVD field offices, two title service companies, three driver's education schools and one private MVD center in the city.

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 and Lyft, plus 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, enoguh of their precious time is wasted sitting in traffic each year. There's no need to waste more time finding the perfect car insurance policy.

Use Insurify to find the best and cheapest rates available in Las Cruces by comparing dozens of insurance quotes with one click.

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.

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 Las Cruces stacks up for the state of New Mexico:

Ford F-Series Pickup
Most Popular Car in
Las Cruces, NM
suspended licenses
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Las Cruces

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Clovis won Insurify's Most Patriotic Cities Award for the state of New Mexico. It is situated just northeast of Cannon Air Force Base.

FAQs - Las Cruces, NM Car Insurance

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.

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.