Cheapest Auto Insurance in Las Cruces, New Mexico (2024)

State Farm offers the cheapest car insurance in Las Cruces, with minimum-coverage policies as low as $29 per month.

Jennifer Brozic
Written byJennifer Brozic
Jennifer Brozic
Jennifer Brozic
  • 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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 June 16, 2024

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Cheapest recent rates near Las Cruces, New Mexico

Recent Las Cruces, New Mexico car insurance prices for Chevrolet, Toyota, Dodge , and more.

*Quotes generated for Insurify users in and around Las Cruces, New Mexico within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Las Cruces, New Mexico within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $120 per month for car insurance, according to Insurify data. The city’s rates are about the same as the state average of $131 but less than the national average of $160.

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]

Quick Facts
  • The average rate for liability-only insurance in Las Cruces is $66 per month, and full coverage costs an average of $173 per month.

  • State Farm, GEICO, and USAA 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$63$32Students
USAA4.7$76$38Military members
GEICO4.4$78$39Renters
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$29/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

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.

Pros
  • 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)

Cons
  • No specialty coverage

  • All discounts aren’t available in every state

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$69/mo

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.

Pros
  • Higher-than-average J.D. Power customer satisfaction rating in the Southwest region

  • Fewer complaints than expected, according to the NAIC

Cons
  • Available only to military members, veterans, and their families

  • No specialty coverage options

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for renters: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$71/mo

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.

Pros
  • 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

Cons
  • Limited add-ons available

  • Lower-than-average J.D. Power customer satisfaction rating in the Southwest region

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

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.

Find Cheap Car Insurance in Las Cruces, NM

Liability rates start at $29 per month

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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 $66 per month, and you can see a collection of rates offered by top insurers below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$29
GEICO$35
USAA$35
Midvale Home & Auto$53
Hallmark$54
The General$55
Allstate$57
Progressive$61
Safeco$65
Dairyland$68
Farmers$68
Nationwide$69
GAINSCO$75
Bristol West$80
Foremost$94
Liberty Mutual$103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $173 per month, and you can see a collection of rates offered by top insurers below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$57
USAA$69
GEICO$71
Midvale Home & Auto$109
Allstate$113
Safeco$120
Progressive$121
Farmers$135
The General$135
Nationwide$137
Hallmark$144
Dairyland$166
GAINSCO$183
Liberty Mutual$210
Bristol West$228
Foremost$235
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Las Cruces, New Mexico

Recent Las Cruces, New Mexico car insurance prices for Chevrolet, Toyota, Nissan , and more.

*Quotes generated for Insurify users in and around Las Cruces, New Mexico within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Las Cruces, New Mexico within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for accident-related damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for your and your passengers’ injuries after an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    This covers the cost of renting a vehicle while yours is being repaired.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$29$38$41$50
GEICO$35$46$50$61
USAA$35$46$49$61
Midvale Home & Auto$53$72$79$92
Hallmark$54$71$74$94
The General$55$73$79$96
Allstate$57$75$81$99
Progressive$61$80$88$106
Safeco$65$86$89$113
Dairyland$68$90$96$118
Farmers$68$88$96$118
Nationwide$69$91$98$120
GAINSCO$75$108$103$130
Bristol West$80$104$112$139
Foremost$94$136$145$163
Liberty Mutual$103$149$158$179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

AgeAverage Monthly Quote
Teens$313
20s$387
30s$361
40s$306
50s$229
60s$161
70s$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Las Cruces, New Mexico

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $120 per month. The average rate for full coverage is $173, and the average rate for liability coverage is $66 per month.

  • Who has the cheapest car insurance in Las Cruces?

    State Farm offers the cheapest car insurance in Las Cruces, at $29 per month. GEICO and USAA also offer cheap car insurance in the area, with monthly rates of $35 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. New Mexico Demographics. "New Mexico Cities by Population."
  2. KTSM. "Las Cruces Police fight auto break-ins with new ‘lock, take, hide’ signs."
  3. U.S. Census Bureau. "Las Cruces, New Mexico."
  4. New Mexico MVD. "Insurance."
  5. Insurance Information Institute. "Teen Drivers and Passengers: Get the Facts."
Jennifer Brozic
Jennifer Brozic

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. 

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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

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