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Key Takeaways

  • In addition to $10,000 in property damage liability coverage, New Mexico mandates $25,000 in bodily injury liability coverage per person and $50,000 per accident.
  • The Las Cruces average rate from USAA is $924.
  • Married drivers in Las Cruces pay $99 less for auto insurance than single drivers.
  • Reckless driving convictions in Las Cruces result in an average $573 annual insurance rate increase for drivers.
  • Increased insurance costs are brought on by reckless driving charges, speeding tickets, DUI convictions, and car accidents that were not your fault.

How Much does car insurance cost in Las Cruces?

In Las Cruces, New Mexico, a year's worth of vehicle insurance costs $1,228 on average. That is less than the national average of $1,557 and the New Mexico state average of $1,334. Our guide to Las Cruces auto insurance provides average rates based on factors including age, marital status, credit score, driving record, and driving record.

Auto Insurance Cost by Company in Las Cruces

Insurance Provider Average Annual Premium
USAA $924
State Farm $988
Progressive $1295
Farmers $1757

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Auto Insurance Cost by Age in Las Cruces

Drivers in their 50s pay an average of $1,118 per year for vehicle insurance in Las Cruces, making them the age group with the lowest rates. On the other hand, 60+-year-old adults pay $1,145, which is not considerably more.

Teenage drivers in Las Cruces pay the highest insurance premiums. Growing older as a driver in Las Cruces is one of the simplest methods to reduce your auto insurance costs. In Las Cruces, there is a $3,031 difference in the price of vehicle insurance rates between young drivers and drivers in their 20s. That shows the highest premium difference between any two age groups.

Age Group Average Annual Premium
Teens $4650
20s $1631
30s $1205
40s $1180
50s $1118
60s $1145
70s $1407

Auto Insurance Cost by Marital Status in Las Cruces

The cost of a driver's auto insurance may occasionally depend on their marital status and gender. In Las Cruces, married drivers' auto insurance costs are $99 cheaper than those of single drivers. In many places, married drivers pay less for auto insurance than single drivers. Widowed people also pay far less in rates than single people do. It's interesting to note that single drivers in Las Cruces pay more than widowed drivers do.

Marital Status Average Annual Premium
Single $1129
Married $1129
Divorced $1228
Widowed $1205

Auto Insurance Cost by Gender in Las Cruces

Men in Las Cruces pay $1 more than women when it comes to auto insurance.

Gender Average Annual Premium
Male $1228
Female $1227

Auto Insurance Cost by Driving Violation in Las Cruces

One of the greatest methods to keep your auto insurance prices low is to have a spotless driving record. Car accidents that were not your fault, DUI convictions, reckless driving charges, and speeding tickets all result in higher insurance costs. Low rates are given as a reward by insurance firms to low-risk drivers.

Driving while intoxicated and driving recklessly are two of the most expensive tickets. Drivers in Las Cruces who are convicted of reckless driving will see an average annual insurance rate hike of $573. While a ticket for speeding results in a rate rise of $256, a DUI charge might result in a $673 increase.

Violation Average Annual Premium
DUI/ DWI $1901
Reckless driving $1801
At-fault accident (damage less than $1000) $1564
At-fault accident (damage greater than $2000) $1813
Speeding ticket (16-20 mph) $1484

What would increase your car insurance rate in Las Cruces?

One of the greatest methods to keep your auto insurance prices low is to have a spotless driving record. Car accidents that were not your fault, DUI convictions, reckless driving charges, and speeding tickets all result in higher insurance costs. Low rates are given as a reward by insurance firms to low-risk drivers.

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Auto theft Statistics in Las Cruces

Year Auto thefts per 10000
2006 282
2007 260
2008 238
2009 240
2010 190
2011 262
2012 214
2013 171
2014 273
2015 219
2016 261
2017 284
2018 307

Auto Insurance in Las Cruces: Minimum Insurance Requirements in New Mexico

It can be challenging for drivers to decide how much auto insurance they actually need. Making sure you have at least the bare minimum of coverage mandated by the state is a good place to start, though.

A Las Cruces drivers' insurance policy must include the following coverages.

  • $25,000 for each person's bodily injuries
  • $50,000 per accident for bodily injuries
  • $10,000 for property damage per accident

Remember that liability insurance only covers harm you cause when you are at fault for an accident. Therefore, we advise you to purchase collision insurance and perhaps comprehensive insurance to safeguard your car further.

Tips for safe driving in Las Cruces

Wear seatbelts: It can be tempting to forget your seatbelt, but you shouldn't. Wearing a seatbelt significantly lowers your risk of death or injury in an accident by roughly 50%. So always buckle up, especially if you're on a known road where you might be less focused.

Follow traffic rules: Respect all traffic regulations and speed limits, including the 15 MPH restriction in school zones.

Increase the space between vehicles: It is advisable to follow vehicles at least two seconds behind them while driving normally. It is best to increase the distance when it rains, or the roads are icy.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

Is auto insurance expensive in Las Cruces, New Mexico?

In Las Cruces, New Mexico, a year's worth of vehicle insurance costs $1,228 on average. That is less than the national average of $1,557 and the New Mexico state average of $1,334. Our guide to Las Cruces auto insurance provides average rates based on factors including age, marital status, credit score, driving record, and driving record.

How to get the cheapest car insurance in Las Cruces?

You might discover affordable coverage in Las Cruces, New Mexico, by comparing vehicle insurance prices. You can find cheap auto insurance in Las Cruces, New Mexico using the Way.com App. Log in, provide your information, and a professional will get in touch with you.

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