The best car insurance in Las Cruces, NM

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The current average rate of insurance in Las Cruces is $1,346, which is below the state average of $1,480. Even though costs in Las Cruces are less than in other parts of New Mexico, smart drivers should still shop around to make sure they are purchasing the best policy to fit their needs.

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Policygenius can help you see options from top car insurance companies, so you can be sure you’re choosing the right policy.

Key Takeaways

  • The lowest average rate in Las Cruces is $849 from USAA.

  • GEICO has the cheapest rates for drivers with bad credit, at an average of $1,280.

  • New Mexico requires $25,000 in bodily injury liability coverage per person and $50,000 per accident, as well as $10,000 in property damage liability coverage.

Cheapest car insurance companies in Las Cruces, NM

Car insurance rates are calculated using factors such as your age, location, and driving history. Insurance companies use this information to determine how much each driver should pay for insurance.

Rates will vary from driver to driver depending on the driver’s background, driving history, and their insurer.

Company

Average cost

JD Power Rating

USAA

$849

890

State Farm

$898

881

GEICO

$918

871

Central Insurance

$1,142

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Progressive

$1,186

856

Cheapest car insurance rates by ZIP code in Las Cruces, NM

Insurance companies look at data regarding the population and crime in a certain area to determine the cost of insurance, so rates can fluctuate by ZIP code. The more likely a driver may get in an accident or be a victim of theft, the higher their premium will be.

ZIP code

Average cost

88001

$1,349

88005

$1,364

88007

$1,369

88011

$1,318

88012

$1,332

Choosing the right car insurance company in Las Cruces, NM

The right car insurance company may be different for everyone. You’ll want to look out for not only the lowest rates but also the best coverage for your needs.

Policygenius can help you understand the coverage you need and the car insurance company that offers you your best rates, so you can feel confident in your choice.

Car insurance rates for drivers with driving violations in Las Cruces, NM

Insurance companies look at driving history as an indicator of how likely you are to be in an accident or get a ticket. Risky behavior will often lead to higher premiums. While certain violations will make less of an impact on your premiums, more severe violations can significantly increase your rates.

Violation

USAA

State Farm

GEICO

Central Insurance

Progressive

At-fault accident

$1,275

$983

$1,545

$1,605

$1,922

DUI

$1,750

$983

$1,901

$2,054

$1,619

Suspended license

$1,664

$983

$1,710

$2,054

$1,947

Open container

$1,208

$983

$1,901

$1,433

$1,619

Expired registration

$1,111

$983

$1,159

$1,377

$1,714

Driving without lights

$1,111

$983

$1,159

$1,377

$1,753

Not showing documents

$1,111

$983

$1,159

$1,377

$1,714

Running a red light

$1,111

$983

$1,159

$1,433

$1,753

Cheapest car insurance for drivers with bad credit in Las Cruces, NM

A low credit score has the potential to affect your car insurance rate in Las Cruces, but improving your credit score may reduce your rates the next time you shop around.

Company

Rates for drivers with bad credit

GEICO

$1,280

USAA

$1,570

Progressive

$1,798

Nationwide

$1,828

State Farm

$1,835

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Buying car insurance in Las Cruces, NM

Most states, including New Mexico, require drivers to have some form of car insurance. Here is what’s mandated in the state:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

Because New Mexico is an at-fault state, if you can afford more than the minimum, it is prudent to consider it. Health care costs may be too expensive to cover on your own, and car repairs can be expensive and if you damage someone else’s vehicle.

How to get cheap car insurance in Las Cruces, NM

Utilizing discounts is one way to lower the cost of insurance. Here are some examples to help save money:

  • Drive safely: Insurers will discount your rate for a clean driving history

  • Take a defensive driving class: Some companies offer discounts if you take a defensive driving class.

  • Look out for other discounts: Service members and their families can save with a military discount. Insurers may offer discounts to seniors, especially if you take a refresher driving class. High school and college students can save money if they have an eligible GPA

  • Bundle policies: Many companies offer discounts if you purchase your auto and home insurance together.

  • Reshop annually: Whenever your policy is up for renewal, you may save money by looking for more affordable coverage elsewhere.

Frequently asked questions

Will an accident that wasn’t my fault make my rates go up?

USAA, State Farm, and Central Insurance do not charge more for drivers who have been in a non-at-fault accident. However, GEICO does raise rates from $867 to $928 and Progressive will jump from $1,393 to $1,476.

How does crime in my area affect my premium?

Insurers use location as a factor in calculating the cost of insurance. ZIP codes with high crime rates often see higher premiums due to an increased likelihood for car theft and vandalism.

How often should I shop for car insurance?

Shopping for new insurance every one to three years can help save money on your policy. Since aspects of your life change over time, the way your premium is calculated also changes.

What are collision and comprehensive coverage?

Collision and comprehensive are both optional in New Mexico but could save you money on car repairs. Collision covers the costs of fixing your car after an accident, even if you are at fault. Comprehensive covers damage caused when you aren’t driving, like from vandalism or hail.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.