Best cheap car insurance quotes in Las Cruces
Like most states, New Mexico has minimum liability insurance requirements that you must meet before hitting the road. Purchasing additional coverage is advisable to ensure you’re financially protected in all situations.
Cheap minimum liability insurance quotes in Las Cruces
In Las Cruces, the minimum car insurance requirements include:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $10,000 for property damage liability per accident
Drivers take advantage of the Jerry app to secure affordable minimum liability plans.
Do you need more than minimum coverage in Las Cruces?
Many Las Cruces drivers prefer higher coverage limits than required by New Mexico insurance laws to get better financial protection in case of an accident. Consult with an insurance professional to determine the appropriate coverage for your specific situation.
The bottom lineInsurance experts generally recommend purchasing at least 100/300/100 liability coverage for optimal protection—or full coverage for even better protection.
Cheap full coverage car insurance quotes in Las Cruces
Full coverage car insurance is highly recommended for Las Cruces drivers—and it’s typically required when you’re buying insurance for a financed vehicle.
Comprehensive and collision coverage are included in a full coverage insurance policy.
- Collision coverage helps cover the costs of repairing or replacing your vehicle if it’s damaged in an accident
- Comprehensive coverage provides protection for damages caused by events like vandalism, environmental factors, and even theft
Jerry can help you find full coverage policies that won’t break the bank.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | National General | $86 | 64 | 88012 | Kia Soul + |
| State Minimum | Yes | Dairyland | $242 | 19 | 88012 | Hyundai Elantra Se |
| State Minimum | Yes | Progressive | $226 | 25 | 88001 | Kia Telluride S |
| State Minimum | No | Progressive | $96 | 27 | 88001 | Hyundai Veloster |
| State Minimum | No | Progressive | $393 | 31 | 88001 | Chevrolet Tahoe C1500 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
How to find the cheapest car insurance in Las Cruces
On average, auto insurance in Las Cruces costs about $83 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Las Cruces drivers pay 31% less than the New Mexico average.
One of the best ways for Las Cruces drivers to reduce their auto-related expenses is to find an affordable car insurance policy. Jerry Insurance Agency assists drivers in Las Cruces with comparing quotes and buying policies. Jerry’s user-friendly insurance comparison app is fast and simple.
Below are some cheapest car insurance quotes Jerry found for customers in this area.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| National General | $86 | 64 | 88012 | Kia Soul + | State Minimum | Yes |
| Dairyland | $242 | 19 | 88012 | Hyundai Elantra Se | State Minimum | Yes |
| Progressive | $226 | 25 | 88001 | Kia Telluride S | State Minimum | Yes |
| Progressive | $96 | 27 | 88001 | Hyundai Veloster | State Minimum | No |
| Progressive | $393 | 31 | 88001 | Chevrolet Tahoe C1500 | State Minimum | No |
Best car insurance companies in Las Cruces
It’s essential to understand that there is no one-size-fits-all “cheapest” insurance provider for every Las Cruces driver.
Jerry conducted an extensive survey of auto insurance providers to help Las Cruces drivers identify the company that offers the most competitive rates. This survey is the largest of its kind in the nation and aims to help you in making an informed decision about your insurance coverage.
Some of the most popular car insurance providers in Las Cruces include:
- State Farm
- Allstate
- GEICO
- Progressive
- Farmers
- USAA (for military personnel and their families)
- Liberty Mutual
- Nationwide
- American Family Insurance
- Travelers
Popularity may vary based on individual preferences, coverage needs, and specific circumstances. It is always recommended to compare quotes and policies from multiple insurance providers to find the best fit for your needs.
The table below shows how drivers in Las Cruces rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Allstate | 4.7 | 4.3 | N/A | 4.7 |
| Progressive | 4.4 | 3.9 | 4.7 | 4.4 |
| State Farm | 3 | N/A | N/A |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Average cost of car insurance in Las Cruces
Las Cruces drivers pay an average of $996 for minimum coverage and $1,800 for full coverage car insurance per year. That translates to just under $83 a month for a liability-only policy, and about $150 a month for full coverage in Las Cruces.
Although average Las Cruces insurance rates can provide a general estimation of your insurance costs, premiums are influenced by several individual factors—the type of vehicle, driving record, claims history, and demographic information, for example. As a result, the actual insurance expenses for each Las Cruces driver can vary significantly.
Car insurance quotes in Las Cruces by rating factors
Insurance companies in Las Cruces use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Your driving history, including accidents, traffic violations, and claims, can impact your insurance rates. A clean driving record generally leads to lower premiums.
- Your age: Drivers younger than 25 years old will pay higher insurance rates in Las Cruces since insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: The make, model, and year of your vehicle can affect insurance rates. Expensive and high-performance cars tend to have higher premiums.
- Where you keep your car: Where you live and park your vehicle in Las Cruces can affect your rates. Areas with higher crime rates or higher traffic congestion may have higher insurance premiums.
Cheap car insurance quotes in Las Cruces after driving violations
Your driving record plays a vital role in determining the quotes for your car insurance. When insurance companies observe a history of violations, they perceive you as a high-risk driver, which can result in increased insurance premiums being charged to you.
Cheapest car insurance in Las Cruces after DUI
In Las Cruces, DUI violations generally result in a significant rise in car insurance rates compared to other violations. After a DUI, it is often necessary to compare rates from multiple insurance providers to find the most affordable options.
Cheapest car insurance in Las Cruces after an at-fault accident
Your car accident and claims history will have a significant impact on your car insurance premium.
Insurance providers thoroughly examine your previous at-fault accidents to evaluate the level of risk you pose as an insured driver. If you have recently been involved in an at-fault accident, there is a possibility that your car insurance rates may see a significant increase.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $393 | 31 | 88001 | Chevrolet Tahoe C1500 | State Minimum | No |
| At Fault With No Injury | Dairyland | $170 | 59 | 88005 | Kia Soul + | State Minimum | No |
| At Fault With No Injury | Progressive | $345 | 39 | 88001 | Buick Encore Essence | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $110 | 29 | 88012 | Hyundai Elantra Limited | State Minimum | No |
| Not At Fault | Gainsco | $325 | 44 | 88011 | Jeep Grand Cherokee L Lim | State Minimum | Yes |
Cheapest car insurance in Las Cruces after other driving violations
Apart from speeding tickets and DUIs, violations such as reckless driving and driving with a suspended license can also result in increased car insurance costs in {city}.
Jerry has helped Las Cruces drivers find cheap auto insurance after various offenses.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Major | Progressive | $393 | 31 | 88001 | Chevrolet Tahoe C1500 | State Minimum | No |
| Driving on Sus. License | Progressive | $99 | 44 | 88001 | Ford Focus Se | State Minimum | No |
| Suspension | Progressive | $126 | 34 | 88005 | Hyundai Accent Se | State Minimum | Yes |
| Driving on Sus. License | Progressive | $42 | 71 | 88012 | Chevrolet Malibu Lt | State Minimum | No |
| DUI | Dairyland | $88 | 27 | 88011 | Chevrolet Classic | State Minimum | No |
Cheap car insurance quotes in Las Cruces by age
In Las Cruces, young drivers and those with permits or other types of provisional licenses typically encounter considerably high insurance rates due to their limited driving experience. Rates tend to fall after the age of 25 before increasing again after the age of 70.
Cheapest car insurance in Las Cruces for young drivers
In Las Cruces, teen drivers aged 16 to 19 tend to experience the highest insurance rates compared to other age groups.
For teenage drivers in Las Cruces who own newer vehicles, higher minimum coverage levels and/or full coverage insurance are recommended. This suggestion is based on the higher probability of teenagers being involved in accidents compared to other age groups. Full coverage insurance offers increased financial protection in such circumstances.
Cheapest car insurance in Las Cruces for senior drivers
Average premiums in Las Cruces often tend to increase once a driver reaches their mid-70s. Older drivers have a higher vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Since insurance companies incur significant medical expenses and higher costs, car insurance rates for seniors are higher.
Cheap car insurance quotes in Las Cruces based on insurance history
Your insurance history is a significant factor in determining your car insurance rates.
Typically, drivers with a gap in insurance coverage will face higher insurance rates. To support Las Cruces customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders for upcoming and late payments.
Jerry has helped many Las Cruces customers who are currently uninsured or have experienced coverage lapses to secure new affordable policies.
Cheap car insurance quotes in Las Cruces for drivers with poor credit
Las Cruces drivers with lower credit scores typically experience higher insurance costs compared to those with higher credit ratings—even though credit scores do not directly reflect driving proficiency. That’s because insurance companies have observed a correlation between bad credit and an increased frequency of filed claims by drivers.
Nationwide, the average car insurance premium for individuals in the highest credit bracket (above 750) is roughly 20% higher than the average cost for individuals in the lowest credit bracket (with scores below 550).
|
Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Dairyland | $242 | 19 | 88012 | Hyundai Elantra Se | State Minimum | Yes |
| 550-659 | Progressive | $226 | 25 | 88001 | Kia Telluride S | State Minimum | Yes |
| 550-659 | Progressive | $96 | 27 | 88001 | Hyundai Veloster | State Minimum | No |
| <550 | Progressive | $393 | 31 | 88001 | Chevrolet Tahoe C1500 | State Minimum | No |
| <550 | Dairyland | $170 | 59 | 88005 | Kia Soul + | State Minimum | No |
Cheap car insurance quotes in Las Cruces for popular cars
The car, SUV, or truck you drive on the streets of Las Cruces plays a crucial role in determining your car insurance premiums. Various factors related to the type of car influence insurance costs, such as repair or replacement expenses, the risk of theft, and the overall safety performance of the vehicle.
Popular makes and models for Las Cruces drivers looking to save money include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
Check out real quotes drivers found with some of the most popular cars in the state.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Honda Civic | Progressive | $99 | 30 | 88001 | State Minimum | No |
| Honda Civic Lx | Progressive | $97 | 28 | 88001 | State Minimum | Yes |
| Toyota Corolla Ce | Gainsco | $85 | 38 | 88001 | State Minimum | No |
| Honda Civic Lx | Progressive | $37 | 49 | 88005 | State Minimum | No |
| Honda Civic Ex | Dairyland | $44 | 46 | 88005 | State Minimum | No |
Learn more: How to get car insurance before buying a car
How to lower car insurance costs in Las Cruces
1. Shop around and compare quotes
Shopping for insurance is way less fun than shopping for groceries—but at least it can be done quickly, with help from a comparison app. Every company has its own formula for calculating rates, so it’s a good idea to get quotes from multiple companies to find the best possible rate.
Jerry is a free comparison app that pulls quotes from top insurance providers so you can compare them side-by-side. No gimmicks! Compare prices, adjust coverage until you’re happy, and then tap to sign up.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts for Las Cruces drivers include:
- Good driver discounts. If you have avoided at-fault accidents and you don’t have any (or many) points on your driver’s license, you may qualify for a small safe driver discount.
- Telematics discounts. Telematics programs track your driving behavior and report back to the company. Good driving behavior earns rewards! You can usually get a discount just for signing up, too.
- Good student discounts. Full-time students in Las Cruces—that’s high school or college—can usually unlock a discount for earning at least a B average. Prepare to show proof of enrollment and proof of grade point average.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in Las Cruces, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Las Cruces so expensive?
- High rate of uninsured drivers: New Mexico has one of the highest rates of uninsured drivers in the United States. It’s unclear how many of them are located in Las Cruces, but you do run the risk of getting into an accident with one of them. This can drive up insurance costs.
- Frequency of accidents: Las Cruces experiences a lot of traffic accidents and claims. This could be due to various factors, such as road conditions, weather conditions, and driver behavior. Insurance companies factor in the risk of accidents when determining premiums, so higher accident rates can lead to higher insurance costs.
FAQ
-
How much is car insurance in Las Cruces?
-
What is the cheapest car insurance in Las Cruces?
-
What is the best car insurance in Las Cruces?
-
What is the minimum car insurance in Las Cruces, New Mexico?
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
