Cheapest Car Insurance In Las Cruces, NM 2024
State Farm is the most affordable option in Las Cruces, offering an average rate of $30 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Las Cruces, NM, options can vary widely.
For liability-only coverage, State Farm comes out on top. Drivers looking for full coverage will also find that State Farm provides the best rates, while Safeco offers the most affordable rates for young drivers.
Cheapest Car Insurance Companies In Las Cruces, NM 2024
Cheapest Minimum Coverage Car Insurance In Las Cruces: State Farm
State Farm offers the lowest rates for minimum coverage in Las Cruces, with an average monthly cost of $35.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $48 | $576 |
| USAA | $40 | $480 |
| Midvale Home & Auto | $55 | $660 |
| State Farm | $35 | $420 |
| GEICO | $45 | $540 |
Cheapest Full Coverage Rates In Las Cruces: State Farm
State Farm provides the lowest rates for full coverage in Las Cruces, with average quotes of $55 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $105 | $1,260 |
| USAA | $60 | $720 |
| Midvale Home & Auto | $110 | $1,320 |
| GEICO | $75 | $900 |
| State Farm | $55 | $660 |
Cheapest Car Insurance In Las Cruces After A Speeding Ticket: State Farm
State Farm is notably affordable compared to other companies, with average rates of $35 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $50 | $600 |
| State Farm | $35 | $420 |
| Midvale Home & Auto | $320 | $3,894 |
| USAA | $65 | $780 |
| National General | $60 | $720 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance quotes for drivers with an at-fault incident, averaging $40 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $50 | $600 |
| Midvale Home & Auto | $80 | $960 |
| USAA | $45 | $540 |
| National General | $65 | $780 |
| State Farm | $40 | $480 |
Cheapest Car Insurance In Las Cruces For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers in Las Cruces after a DUI, with average monthly premiums of $50.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $600 |
| Midvale Home & Auto | $90 | $1,080 |
| National General | $80 | $960 |
| USAA | $55 | $660 |
| GEICO | $65 | $720 |
Most Affordable Rates In Las Cruces For Teenagers: USAA
In Las Cruces, teenage drivers can get the most affordable quotes from USAA, with average monthly premiums of $140.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $215 | $2,580 |
| USAA | $140 | $1,680 |
| Allied | $325 | $3,900 |
| Central Mutual Insurance Co | $185 | $2,220 |
| State Farm | $180 | $2,160 |
Cheapest For Young Adults: Safeco
Safeco provides the lowest quotes for young adults in Las Cruces, with rates averaging around $75 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $135 | $1,620 |
| Central Mutual Insurance Co | $125 | $1,500 |
| USAA | $90 | $1,080 |
| State Farm | $100 | $1,200 |
| Safeco | $75 | $900 |
Cheapest For Seniors: USAA
USAA offers the lowest car insurance rates for seniors in Las Cruces, with average quotes of $65 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Allied | $95 | $1,140 |
| Central Mutual Insurance Co | $80 | $960 |
| USAA | $65 | $780 |
| Farm Bureau Mutual (IA Group) | $75 | $900 |
Best Car Insurance Companies In Las Cruces
Here are the top 10 car insurance companies in Las Cruces, NM, ranked by their average monthly rates:
| Company | Monthly Premium |
| Liberty Mutual | $187 |
| Safeco | $104 |
| Farmers | $163 |
| Central Mutual Insurance Co | $101 |
| Allstate | $155 |
| State Farm | $90 |
| Metropolitan | $135 |
| USAA | $80 |
| Allied | $118 |
| Farm Bureau Mutual (IA Group) | $108 |
Average Rates In Las Cruces – By Vehicle
| Vehicle | Average Monthly Rate |
| 2019 Dodge Challenger | $595 |
| 2018 Volkswagen Tiguan | $130 |
| 2013 Hyundai Elantra | $325 |
| 2007 Bmw 525 | $185 |
| 2014 Honda Accord | $90 |
Average Cost Of Auto Insurance In Las Cruces – By Zip Code
| City | Average Monthly Rate |
| 88001 | $115 |
| 88007 | $108 |
| 88011 | $90 |
| 88005 | $134 |
| 88012 | $103 |
How Much Is Car Insurance In Other Cities in New Mexico?
| City | Average Monthly Rate |
| Rio Rancho | $135 |
| Roswell | $105 |
| Artesia | $122 |
| Santa Fe | $125 |
| Farmington | $112 |
| Deming | $108 |
| Española | $190 |
| Carlsbad | $125 |
| Hobbs | $132 |
| Albuquerque | $155 |
Average Rates In Las Cruces – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,319 |
| 20s | $815 |
| 30s | $600 |
| 40s | $590 |
| 50s | $560 |
| 60s | $570 |
| 70s | $700 |
Our Methodology
Based on a thorough analysis of customer service ratings, product options, pricing, and insights from online reviews and user experiences, I've developed a detailed overview of car insurance providers in Las Cruces, NM.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Las Cruces?
In Las Cruces, State Farm offers the lowest car insurance rates for both the minimum coverage required by New Mexico and for full coverage, including comprehensive and collision coverage.
What is the average cost of car insurance in Las Cruces?
In Las Cruces, the average cost of car insurance is approximately $116 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, and your driving record.
