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Cheapest car insurance in Las Cruces, New Mexico (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Las Cruces, New Mexico.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 $101per month for full coverage insurance. Las Cruces drivers pay 38% 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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$108
Warren, 21
Zip: 88005
Mercedes-Benz CLK 430
• State Minimum Liability
Travelers
$110
Alice, 29
Zip: 88012
Subaru Crosstrek Premium
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$122
Alan, 29
Zip: 88001
Mazda CX-30 Preferred
• State Minimum Liability
• Comp / Collision
Allstate
$135
Teresa, 22
Zip: 88011
Toyota Corolla
• State Minimum Liability
• Comp / Collision
Gainsco
$136
Alvin, 39
Zip: 88007
Ford Focus S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

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:
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 companyOverall ratingPriceClaims experienceCustomer 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
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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.

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:
Drivers take advantage of the Jerry app to secure affordable minimum liability plans.
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Warren (21 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88005)
$108
per month
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Teresa (22 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88011)
carToyota Corolla
$135
per month
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Alan (29 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88001)
carMazda CX-30 Preferred
$122
per month
card cover
Lelia (52 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88012)
$172
per month
card cover
Gainsco
Alvin (39 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88007)
carFord Focus S
$136
per month

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 line: Insurance 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.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$179
Jose, 24
Zip: 88001
Dodge Charger SXT
• State Minimum Liability
• Comp / Collision
Allstate
$135
Teresa, 22
Zip: 88011
Toyota Corolla
• State Minimum Liability
• Comp / Collision
Safeco
$98
Craig, 24
Zip: 88005
BMW 525 i
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$110
Harriet, 29
Zip: 88012
Subaru Crosstrek Premium
• State Minimum Liability
• Comp / Collision
Gainsco
$136
Alvin, 39
Zip: 88007
Ford Focus S
coverageLast Updated Apr 16, 2024
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.
Lower my car insurance too!

Average cost of car insurance in Las Cruces

Las Cruces drivers pay an average of $996 for minimum coverage and $1,209 for full coverage car insurance per year. That translates to just under $83 a month for a liability only policy, and about $101 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.

Average cost of car insurance in Las Cruces by zip code

Within the city limits, Las Cruces drivers face varying levels of risk. Zip code is one way that insurance companies determine the amount of risk you face. Some zip codes experience higher rates of auto theft and car accident claims—and in these areas, Las Cruces drivers pay more for insurance than those who live in less “risky” zip codes.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
88001
$58
$83
88007
$100
$120
88012
$55
$102

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. 

How do different factors impact your car insurance costs in Las Cruces?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): New Mexico currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Las Cruces:

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. 
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Lucile (49 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88001)
$62
per month
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Gainsco
Jackson (38 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88011)
carToyota Tacoma Double Cab Prerunner
$91
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$90
Glen, 60
Zip: 88007
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Not At Fault
Allstate
$134
Oscar, 39
Zip: 88007
Ford Focus S
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$110
Sarah, 29
Zip: 88012
Subaru Crosstrek Premium
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

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 varoius offenses.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Progressive
$139
Anthony, 22
Zip: 88007
Audi A4 2.0T Quattro
• State Minimum Liability
Failure to Obey Signal
Progressive
$145
Mayme, 26
Zip: 88007
Chevrolet Silverado K1500
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$130
Micheal, 41
Zip: 88005
RAM 1500 BIG Horn/lone Star
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Progressive
$145
Cynthia, 26
Zip: 88007
Chevrolet Silverado K1500
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 16, 2024

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.
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Warren (21 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88005)
$108
per month
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Teresa (22 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88011)
carToyota Corolla
$135
per month
card cover
Andre (24 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88001)
$118
per month
card cover
Gainsco
Chester (22 years old)
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88007)
$178
per month

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.
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Shane (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLas Cruces, NM
(Zip Code: 88012)
$56
per month
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Myrtle (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationLas Cruces, NM
(Zip Code: 88005)
$68
per month

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.
card cover
Landon (21 years old)
Currently Insured
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88005)
$108
per month
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Dale (29 years old)
Currently Insured
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88001)
carMazda CX-30 Preferred
$122
per month
card cover
Sadie (22 years old)
Currently Insured
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88011)
carToyota Corolla
$135
per month
card cover
Frances (29 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLas Cruces, NM
(Zip Code: 88012)
$110
per month
card cover
Gainsco
Susie (38 years old)
Currently Insured
coverageCoverage
State Minimum
locationLas Cruces, NM
(Zip Code: 88011)
carToyota Tacoma Double Cab Prerunner
$91
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$76
Ethan, 43
Zip: 88011
Volkswagen Atlas Cross Sport SEL R-Line
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$130
Ola, 41
Zip: 88005
RAM 1500 BIG Horn/lone Star
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$130
Nathaniel, 41
Zip: 88005
RAM 1500 BIG Horn/lone Star
• State Minimum Liability
• Comp / Collision
550 - 659
Gainsco
$132
Darrell, 28
Zip: 88005
Nissan Versa S
• State Minimum Liability
< 550
Bristol West
$64
Samuel, 56
Zip: 88005
Chevrolet Impala LT
• State Minimum Liability
coverageLast Updated Apr 15, 2024

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.

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 Crucesexperiences 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

People living in Las Cruces pay on average $83 per month – or $996 per year – on state-minimum liability coverage. Full coverage in Las Cruces costs on average $101 per month of $1,209 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Las Cruces drivers Jerry has worked with, car insurance in Las Cruces costs an average of $83 per month for state-minimum coverage and $101 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Dairyland
,
Kemper
, and
Travelers
receive good ratings from Las Cruces drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
In New Mexico, the minimum car insurance requirements include:

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.