Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The cheapest car insurance company in Las Cruces for teen drivers is USAA
  • The cheapest car insurance company in Las Cruces after a DUI is State Farm
  • The annual number of car thefts in Las Cruces is 284.

Average car insurance rates in Las Cruces, New Mexico are $259 a month. But with a little research you can get a great deal from the top car insurance companies in Las Cruces, NM. Before you buy Las Cruces, New Mexico car insurance, make sure your coverage meets or exceeds the New Mexico minimum of 25/50/10.

It may even be helpful to compare Las Cruces car insurance rates with Alamogordo car insurance rates, Hobbs car insurance rates, or Gallup car insurance rates to make sure you’re getting the best Las Cruces, NM car insurance quotes available.

Need affordable Las Cruces, NM car insurance? Enter your ZIP code to compare Las Cruces car insurance quotes from multiple car insurance companies near you.

Las Cruces, NM Minimum Car Insurance Coverage

Las Cruces, New Mexico law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Las Cruces, NM Car Insurance Rates by Coverage Level

Some Las Cruces drivers can get by with the New Mexico minimum coverage of 25/50/10. Other drivers may need more. See how much your Las Cruces, New Mexico car insurance rates may be based on the coverage you need.

Annual Car 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

Las Cruces, NM Car Insurance Rates by Age, Gender, and Marital Status

Las Cruces, New Mexico car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Las Cruces, NM car insurance, get quotes from multiple car insurance companies in the Las Cruces area and see how these criteria affect your rates.

Annual Car 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

Las Cruces, NM Car Insurance Rates for Teens

How much is Las Cruces, New Mexico car insurance for teens? Compare rates from top Las Cruces car insurance companies below to help find the cheapest teen car insurance in Las Cruces, NM.

Annual Car 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

Las Cruces, NM Car Insurance Rates for Seniors

Before seniors buy Las Cruces, New Mexico car insurance, they should make sure to shop around. Some Las Cruces, NM car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Las Cruces, NM Car Insurance Rates by Credit History

How does your credit history affect Las Cruces, NM car insurance rates? Review the numbers here to find out.

Annual Car 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Las Cruces, NM Car Insurance Rates by Driver History

How does a single speeding ticket affect your Las Cruces, New Mexico car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Las Cruces.

Annual Las Cruces, New Mexico Car 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

Las Cruces, NM Car Insurance Rates With a DUI

Even a single DUI can increase your Las Cruces, NM car insurance rates. Compare rates below to see which Las Cruces car insurance company has the best rates for drivers with a DUI.

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

Insurance Company Annual Car 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

Las Cruces, NM Car Insurance Rates by ZIP Code

Just like Las Cruces car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Las Cruces, NM car insurance rates fluctuate by ZIP code.

Annual Car 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

Las Cruces, NM Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Las Cruces, NM car insurance rates may be. Let’s take a look at average car insurance rates from top Las Cruces companies based on commute time.

Annual Car 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Las Cruces, NM Cheapest Car Insurance Rates

How do the top Las Cruces, New Mexico car insurance companies’ average rates stack up against the Las Cruces average monthly car insurance rates of $259? Take a look and see.

Best Annual Car 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

Las Cruces, NM Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Las Cruces, New Mexico car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Las Cruces, NM Car Insurance Rates

Before you buy Las Cruces, New Mexico car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Las Cruces, NM Car Theft Rates

The car theft rate in Las Cruces, NM will affect your car insurance rates. FBI data shows that the annual car theft rate for Las Cruces, New Mexico is 284 stolen cars.

Las Cruces, NM Commute Time

How does your Las Cruces, NM commute time compare with the average driver? In Las Cruces, the average commute is 18.8 minutes.

Las Cruces, NM Traffic

Spending time in Las Cruces traffic can lead to higher car insurance rates. According to INRIX data, Las Cruces, NM ranks as the 930th-most congested with traffic in the world.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Las Cruces, NM Car Insurance Quotes

Compare Las Cruces, NM car insurance quotes from multiple companies by entering your ZIP code now.