Buy Cheap Las Cruces, NM Auto Insurance (2021)

Las Cruces, NM auto insurance rates average $259 a month. Minimum auto insurance requirements in Las Cruces, New Mexico are 25/50/10 to comply with New Mexico laws. To buy cheap auto insurance in Las Cruces, NM, compare Las Cruces auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Las Cruces is Farmers
  • The most expensive auto insurance company in Las Cruces after a DUI is GEICO
  • Average auto insurance rates in Las Cruces, NM are $259/month

Finding affordable Las Cruces, New Mexico auto insurance can be challenging, but everything you need to know to buy cheap Las Cruces, NM auto insurance with confidence is right here. Auto insurance rates in Las Cruces are affected by local factors as well as personal ones like your driving record.

See how Las Cruces, NM car insurance rates compare to Roswell auto insurance rates, Las Cruces auto insurance rates, and Albuquerque auto insurance rates before you read more about the cost of auto insurance in Las Cruces.

Don’t buy Las Cruces, NM auto insurance until you’ve compared rates. Get free Las Cruces, New Mexico auto insurance quotes when you enter your ZIP code above.

Las Cruces, NM Minimum Auto Insurance Requirements

The required auto insurance in Las Cruces, NM is 25/50/10 according to the auto insurance laws in New Mexico. The minimum auto insurance in Las Cruces, New Mexico is outlined here.

Minimum Required Auto Insurance Coverage in Las Cruces, New Mexico

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Las Cruces, NM Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Las Cruces, NM. Take a look at Las Cruces, New Mexico auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Las Cruces, New Mexico

Insurance Company Poor Fair Good
Allstate $4,518 $3,728 $3,413
Farmers $4,793 $3,983 $3,788
GEICO $4,357 $3,795 $3,512
Nationwide $3,479 $2,706 $2,349
Progressive $2,818 $2,522 $2,391
State Farm $3,171 $1,949 $1,540
USAA $2,656 $1,996 $1,734

Buy Cheap Las Cruces, NM Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Las Cruces, New Mexico auto insurance rates? Find out how car insurance rates in Las Cruces, NM are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Las Cruces, New Mexico

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,352 $2,368 $2,144 $2,257 $7,693 $8,879 $2,619 $2,778
Farmers $2,311 $2,305 $2,065 $2,204 $9,539 $9,830 $2,588 $2,660
GEICO $2,412 $2,478 $2,269 $2,269 $7,018 $9,580 $2,537 $2,540
Nationwide $1,972 $2,002 $1,800 $1,883 $4,663 $5,853 $2,216 $2,367
Progressive $1,376 $1,328 $1,258 $1,260 $5,672 $6,371 $1,653 $1,700
State Farm $1,420 $1,420 $1,301 $1,301 $3,977 $4,999 $1,594 $1,749
USAA $1,429 $1,416 $1,370 $1,363 $3,675 $4,144 $1,756 $1,875

Buy Cheap Las Cruces, NM Auto Insurance for Teen Drivers

Auto insurance for teenagers in Las Cruces can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Las Cruces, NM are listed here.

Annual Auto Insurance Rates for Teen Drivers in Las Cruces, New Mexico

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,693 $8,879
Farmers $9,539 $9,830
GEICO $7,018 $9,580
Nationwide $4,663 $5,853
Progressive $5,672 $6,371
State Farm $3,977 $4,999
USAA $3,675 $4,144

Buy Cheap Las Cruces, NM Auto Insurance for Seniors

You can save on senior auto insurance rates in Las Cruces, New Mexico by comparing Las Cruces senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Las Cruces, NM here.

Annual Auto Insurance Rates for Senior Drivers in Las Cruces, New Mexico

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,144 $2,257
Farmers $2,065 $2,204
GEICO $2,269 $2,269
Nationwide $1,800 $1,883
Progressive $1,258 $1,260
State Farm $1,301 $1,301
USAA $1,370 $1,363

Find Cheap Auto Insurance Rates in Las Cruces, NM by Coverage Level

The amount of coverage you choose is a big factor in the cost of Las Cruces, New Mexico auto insurance. Compare Las Cruces, NM auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Las Cruces, New Mexico

Insurance Company Low Medium High
Allstate $3,727 $3,879 $4,052
Farmers $3,796 $4,148 $4,620
GEICO $3,606 $3,879 $4,179
Nationwide $2,778 $2,816 $2,940
Progressive $2,442 $2,577 $2,714
State Farm $2,004 $2,229 $2,426
USAA $1,967 $2,139 $2,280

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Find Cheap Las Cruces, NM Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Las Cruces. Compare auto insurance rates in Las Cruces, NM by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Las Cruces, New Mexico

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,886 $3,886
Farmers $4,188 $4,188
GEICO $3,828 $3,948
Nationwide $2,845 $2,845
Progressive $2,577 $2,577
State Farm $2,162 $2,278
USAA $2,065 $2,192

Find Cheap Las Cruces, NM Auto Insurance Rates by ZIP Code

Auto insurance rates in Las Cruces, New Mexico can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Las Cruces, NM to see how much where you live in Las Cruces affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Las Cruces, New Mexico

ZIP Code Average Annual Rates
88001 $3,279
88005 $3,285
88007 $3,307
88011 $3,266
88012 $3,246

Find Cheap Las Cruces, NM Auto Insurance Rates by Driving Record

Auto insurance rates in Las Cruces, New Mexico are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Las Cruces, NM, take a look at the average cost for various violations versus rates for a clean driving record in Las Cruces.

Annual Las Cruces, New Mexico Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,219 $4,218 $4,496 $3,612
Farmers $3,543 $4,562 $4,454 $4,191
GEICO $2,295 $3,678 $7,283 $2,295
Nationwide $2,147 $2,986 $3,824 $2,421
Progressive $2,234 $3,047 $2,402 $2,627
State Farm $2,078 $2,267 $2,267 $2,267
USAA $1,578 $2,195 $2,905 $1,837

Find Cheap Las Cruces, NM Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Las Cruces, New Mexico is higher than for a clean driving record. You can buy auto insurance after a DUI in Las Cruces for less when you shop around and compare rates from multiple Las Cruces, NM auto insurance companies.

Annual Auto Insurance Rates After a DUI in Las Cruces, New Mexico

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,496
Farmers $4,454
GEICO $7,283
Nationwide $3,824
Progressive $2,402
State Farm $2,267
USAA $2,905

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Winners by Category: Where to Buy Cheap Auto Insurance in Las Cruces, NM

Compare rates from the cheapest auto insurance companies in Las Cruces, NM for your needs. Take a look at how Las Cruces, New Mexico auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Las Cruces, New Mexico

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Las Cruces, New Mexico Auto Insurance Companies

If you’re looking for the cheapest Las Cruces, NM auto insurance companies overall, you can compare them here. Find the best price for Las Cruces, New Mexico car insurance by company.

Average Annual Auto Insurance Rates by Company in Las Cruces, New Mexico

Insurance Company Average Annual Rates
Allstate $3,886
Farmers $4,188
GEICO $3,888
Nationwide $2,845
Progressive $2,577
State Farm $2,220
USAA $2,129

What affects Las Cruces, New Mexico auto insurance rates?

Local factors affect auto insurance rates in Las Cruces, NM, including traffic, theft statistics, and commute length. Take a look at the things that impact Las Cruces auto insurance rates.

Auto Theft in Las Cruces

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Las Cruces, NM auto theft show a total of 284 vehicle thefts annually.

Commute Times in Las Cruces

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Las Cruces, NM is 18.8 minutes according to City-Data.

Traffic in Las Cruces

How is traffic in Las Cruces, New Mexico? Inrix data shows that Las Cruces, NM traffic makes it the 930th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Las Cruces, NM

You can buy cheap Las Cruces, NM auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Las Cruces, New Mexico auto insurance quotes from top companies.

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