Cheapest Car Insurance Quotes in La Mesilla

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La Mesilla Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in La Mesilla

The car insurance rate in La Mesilla is $1046 for a six-month policy, which is $50 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $742, making it a popular choice for budget-conscious drivers. Rates in La Mesilla can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in La Mesilla

$1046

Avg. Car Insurance in New Mexico

$996

National Average

$1140

Cheapest Car Insurance Companies in La Mesilla

1st place: USAA

At $742 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $804 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $804 for six months, making it the third cheapest auto insurance company in La Mesilla.

La Mesilla Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Mesilla, NM is USAA, offering policies at just $742 for a six-month term. This is followed by Encompass, which has an average six-month premium of $804.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1141 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Mesilla drivers find the best deals.

Cheap Car Insurance Companies in La Mesilla, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$742	$125
Encompass	$804	$134
State Farm	$804	$135
Nationwide	$898	$151
Progressive	$948	$160
Central Mutual	$1010	$168
Farmers	$1167	$196
Central Insurance	$1260	$210
Farm Bureau	$1266	$215
Allstate	$1472	$248
Kemper	$1141	$190

Key Takeaways

Way's key takeaways about car insurance in La Mesilla

The auto insurance costs in La Mesilla fall around $742 for six months.
The cheapest auto insurance company in La Mesilla is Central Mutual.
Teen drivers pay the highest rate in La Mesilla at $746 per month.

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Cheapest Minimum Liability Car Insurance in La Mesilla

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in La Mesilla are given below.

Central Mutual provides the cheapest minimum car insurance coverage in La Mesilla. Their Average 6 Month Premium is $131. Allstate is the most expensive at $555 for the same period.

Cheapest Liability Coverage in La Mesilla, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$131	$22
USAA	$168	$28
Central Insurance	$206	$35
Iowa Farm Bureau	$212	$36
Farm Bureau	$250	$42
Encompass	$256	$43
Progressive	$256	$43
State Farm	$274	$46
Kemper	$368	$63
Farmers	$399	$67
Nationwide	$412	$70
Allstate	$555	$93

Cheapest Full Coverage Car Insurance in La Mesilla

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in La Mesilla is USAA at $125 per month and $742 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Mesilla, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$742	$125
Encompass	$804	$134
State Farm	$804	$135
Nationwide	$898	$151
Progressive	$948	$160
Central Mutual	$1010	$168
Farmers	$1167	$196
Central Insurance	$1260	$210
Farm Bureau	$1266	$215
Allstate	$1472	$248
Kemper	$1141	$190

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Average Car Insurance in La Mesilla by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in La Mesilla, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in La Mesilla, New Mexico, may be increasing due to several external factors. New Mexico has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, La Mesilla's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in La Mesilla

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	MetLife	$614
40s	MetLife	$573
50s	MetLife	$527
60s	MetLife	$501
70s	MetLife	$651

Cheapest Car Insurance Rates for Teen Drivers in La Mesilla,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the La Mesilla at $33 per month. At $4428 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$193	$33
Iowa Farm Bureau	$280	$47
Kemper	$287	$48
USAA	$1035	$174
State Farm	$1665	$280
Farm Bureau	$2028	$344
Progressive	$2588	$436
Nationwide	$3668	$624
Farmers	$4298	$723
Allstate	$4428	$746

Teen Car Insurance Rates in NM by Age

Way Tip

If you are in your twenties MetLife is the best choice for car insurance in La Mesilla.

As young drivers face the highest rates in La Mesilla, MetLife offers the cheapest auto insurance rates at $614 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in La Mesilla, Kemper is the cheapest car insurance provider. At $343 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in La Mesilla is State Farm, offering rates of around $2938 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$343	$59
USAA	$867	$145
Progressive	$885	$149
Farmers	$1515	$255
Farm Bureau	$1846	$314
Allstate	$1922	$320
State Farm	$2938	$500

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Car Insurance Rates with An Accident in La Mesilla

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In La Mesilla, NM, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in La Mesilla

The cheapest car insurance companies after an at-fault accident in La Mesilla include Central Mutual and Central Insurance, offering $131 and $280, respectively. Allstate is an expensive provider with an average six-month premium of $2214.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$131	$22
Central Insurance	$280	$47
Encompass	$312	$53
Kemper	$337	$58
Iowa Farm Bureau	$343	$57
USAA	$543	$91
State Farm	$723	$122
Progressive	$792	$133
Farm Bureau	$1727	$288
Farmers	$2028	$341
Nationwide	$2058	$343
Allstate	$2214	$373

La Mesilla Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Mesilla NM. For example, the car insurance in La Mesilla after a DUI increases to $985 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

La Mesilla auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1054	$175
One Med/PIP claim	$1067	$182
Not-at-fault accident	$1097	$183
One comp claim	$1104	$188
Two Med/PIP claims	$1116	$186
Two comp claims	$1148	$195
Failure to show documents	$1160	$193
Failure to wear a seat belt	$1167	$198
Child safety restraint	$1210	$202
Driving without lights	$1210	$206
In 65 MPH zone	$1247	$208
Cell phone violation	$1254	$213
Texting while driving	$1254	$209
At-fault accident - less than $1000	$1260	$214
Driving with expired registration	$1260	$210
Speeding 11 - 15 MPH over limit	$1273	$216
Speeding 16 - 20 MPH over limit	$1273	$212
Speeding 6 - 10 MPH over limit	$1273	$216
Driving too slowly	$1279	$213
Failure to stop at a red light	$1279	$217
Failure to yield	$1279	$213
Following too closely	$1279	$217
Illegal turn	$1279	$213
Improper passing	$1279	$217
Speeding in school zone	$1279	$213
Wrong way/wrong lane	$1279	$217
Passing school bus	$1298	$216
Operating a vehicle without permission	$1316	$224
Speeding 21 - 25 MPH over limit	$1316	$219
Open container	$1466	$249
At-fault accident - $1000-$2000	$1491	$249
At-fault accident - greater than $2000	$1504	$255
Reckless driving	$1952	$326
Driving with a suspended license	$1958	$333
Refusal to submit to a chemical test	$1983	$331
DUI	$2039	$347
Racing	$2083	$348
Leaving scene of an accident/hit and run	$2096	$356

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in La Mesilla after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in La Mesilla.

The cheapest car insurance premiums in La Mesilla are offered by Kemper at $337 for a six-month policy. However, it can be as expensive as $2245 with companies like Farm Bureau.

La Mesilla car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$57
Central Insurance	$412	$70
Progressive	$736	$124
State Farm	$761	$128
USAA	$855	$144
Farmers	$1247	$210
Nationwide	$1347	$225
Allstate	$1803	$303
Farm Bureau	$2245	$374

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in La Mesilla are offered by Iowa Farm Bureau at $256. However, it can be as expensive as $3375 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in La Mesilla after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$256	$43
USAA	$505	$84
State Farm	$586	$99
Progressive	$649	$109
Farm Bureau	$1328	$226
Farmers	$2726	$455
Allstate	$3375	$573

Car Insurance Price Trends in La Mesilla, New Mexico

Car insurance rates in La Mesilla have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the La Mesilla rose by $203 in December compared to $198 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the La Mesilla rose to $48 in December, compared to $45 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in La Mesilla?

The car insurance in La Mesilla is $22 per month, which is lower than the national average.

What is the cheapest car insurance in La Mesilla?

The cheapest car insurance in La Mesilla is $125 per month for full coverage.

How much is car insurance in La Mesilla for teenagers?

Car insurance for teenagers costs $193 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in La Mesilla?

The average cost of car insurance is $996 for a six-month policy. It will cost around $175 per month to insure your car in La Mesilla.

Is car insurance expensive in La Mesilla?

Car insurance can be expensive in La Mesilla if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in La Mesilla can be affordable.

What is the best car insurance in La Mesilla, NM?

The best car insurance company in La Mesilla NM is USAA, offering $742 for a six-month policy.