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

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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.

Quotes by Top Carriers
Quotes ($/mo)
$24
$57
$94
$98
$114
ProgressiveState FarmNationwideTravelersThe General
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$106
$131
$119
$99
$103
$77
New MexicoAlbuquerqueRio RanchoSanta FeRoswellLas Cruces
Monthly $

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Las Cruces, NM Driving Facts

new-mexico

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.

Driving History
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.

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.

Find local Las Cruces agents

HUB International 
3830 E. Lohman Avenue, Las Cruces, NM 88011
Insurance Unlimited, Inc. 
1100 S. Main Street, Executive Suite 4, Las Cruces, NM 88005
Mesilla Valley Insurance Group, Inc. 
545 S Melendres Suite C, Las Cruces, NM 88005-2803
HUB International Insurance Services 
3830 E Lohman Ave Ste 1, Las Cruces, NM 88011-8446
McGonigle Insurance, Inc. 
156 Wyatt Drive, Suite 5-8, Las Cruces, NM 88005
Rio Grande Insurance 
1675 E Lohman Avenue Suite 1, Las Cruces, NM 88001-3101
Western Insurance Consultants, LP 
545 S. Melendres, Suite D, Las Cruces, NM 88005-2956
Pat Campbell Insurance LLC 
141 Roadrunner Pkwy, Ste. 109, Las Cruces, NM 88011
Burke Insurance Group, LLC 
1691 Hickory Loop Suite B, Las Cruces, NM 88005-3170
Grindell & Romero Insurance, Inc. 
1121 Mall Drive, Suite C, Las Cruces, NM 88011

Insurify Insights: How Las Cruces Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Las Cruces, NM
suspended licenses
#2
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 Las Cruces 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 Las Cruces

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. Las Cruces drivers rank 3 in the number of car accidents per driver across all cities in New Mexico.

  • Rank within state: #3
  • Percent of drivers in Las Cruces with an accident: 9.53%
  • Drivers in Las Cruces, NM with an accident in their driving history paid on average 36.52% more than drivers with a clean record

Speeding Las Cruces

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Mexico, Las Cruces drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Las Cruces with a speeding ticket: 11.07%
  • Drivers in Las Cruces, NM with a speeding ticket in their driving history paid on average 38.26% more than drivers with a clean record

DUI/DWIs Las Cruces

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Las Cruces drivers rank 7 in the number of DUI’s per driver across all cities in New Mexico.

  • Rank within state: #7
  • Percent of drivers in Las Cruces with a DUI: 2.09%
  • Drivers in Las Cruces, NM with a DUI in their driving history paid on average 20.87% more than drivers with a clean record

Rude Las Cruces

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Mexico, Las Cruces drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Las Cruces with a reckless driving violation: 2%
  • Drivers in Las Cruces, NM with a reckless driving violation in their driving history paid on average 35.65% more than drivers with a clean record.

Safest Drivers Las Cruces

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Las Cruces drivers rank 4 in clean driving records across all cities in New Mexico.

  • Rank within state: #4
  • Percent of drivers in Las Cruces with clean record: 79.31%

Failure to Yield the Right of Way Las Cruces

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Las Cruces drivers rank 2 in failure to yield violations per driver across all cities in New Mexico.

  • Rank within state: #2
  • Percent of drivers in Las Cruces with a failure to yield violation: 0.36%
  • Drivers in Las Cruces, NM with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Las Cruces

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Mexico, Las Cruces drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Las Cruces with a reckless driving offense: --%

Most Popular Vehicle Las Cruces

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Las Cruces is the Honda Accord.

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.