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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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.
Jessica Olivo
Freelance contributor