Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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In the market for cheap auto insurance in Las Cruces, NM? From, you could find the lowest cost insurance policy locally. In order to obtain free car insurance rates offered by the best providers right now, input your local zipcode in the quote box on this site.

Las Cruces sits in the Mesilla Valley of New Mexico, surrounded by natural beauty on all sides. Historically, Las Cruces is the closest city to the White Sands Missile Range, which was the original site of the first US atomic bomb testing. Presently, the city is also known as the hub for social, political, and private business activities within the state. According to Money magazine, Las Cruces is one of the top ten US cities for retirement.

  • Fun fact: break out the notebook, because Las Cruces is #55 on the list of “Top 100 cities with highest percentage of college students (pop. 50,000+)”. Uncover more about Las Cruces

Auto Insurance Coverage Requirements in New Mexico

Driving legally in Las Cruces requires:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,00025,000/50,000
Property Damage Liability10,00025,000
Uninsured Motorist Bodily InjuryNot required25,000/50,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

Remember that although purchasing less coverage might seem like a better deal, it could cost you in the long run. Liability insurance, for example, is extremely limited. It only covers you in the event that you cause an accident. So if someone else hits you, or severe whether damages your car, you will be 100% responsible for fixing or replacing your vehicle.

Most New Mexico drivers can be expected to pay around $114 per month. However, Las Cruces drivers can find deals as low as $41/mo* – if you know where and how to look. With the right provider and some good data, you too can get the best deals available on automotive insurance near you.

Average Monthly Auto Insurance Premiums Legend: Las Cruces Allied Central Mutual State Farm Cal Casualty Allstate 5 10 15 20 25 30 35 40 45 $25 $30 $36 $39 $45


Allied, Central Mutual, and State Farm are currently offering the lowest rates in the Mesa area. But are low rates the only metric to base your decision on? What about their customer service reviews? Or their claims filing process? Just remember that there are many factors to consider before you make a final decision.

Auto insurance carriers evaluate numerous factors when determining insurance rates, among them gender, zip code, occupation, years of driving experience, and business use of the vehicle. Additionally, premiums differ from one company to another. To find out if you are still getting the cheapest cost, do a comparison of cheap Las Cruces auto insurance rates on the web.

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Major Car Insurance Factors in Las Cruces

There are lots of ways your car insurance rate can be calculated. But not all of it is out of your control; there are actions you can take to be able to control which discounts you are entitled to get. The following are some of these components in greater detail:

Your Zip Code

The spot where you store your car every night will probably have a significant impact on your car insurance rate. Typically, car insurance is cheaper in non-urban areas because fewer cars and trucks signifies a smaller likelihood that you’re going to get in a collision with another vehicle. The populace of Las Cruces is 101,324 and the normal household income is $39,495.

Auto Insurance by Zip Code Legend: Santa Fe Rio Rancho Las Cruces Albuquerque Roswell Allied Central Mutual State Farm Cal Casualty Allstate 5 10 15 20 25 30 35 40 45 50 $34 $35 $25 $37 $30 $37 $38 $30 $36 $35 $41 $41 $36 $49 $35 $45 $49 $39 $52 $36 $46 $51 $45 $52 $43


Automotive Accidents

Considering the fact that there are more than 100,000 people living in Las Cruces, the accident statistics in the chart above are quite low. This means that your local insurance providers are likely already lowering premiums in your area.

Fatal Accidents in Las Cruces, NM Legend: Las Cruces Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 4 5 3 4 6 2


Auto Thefts in Las Cruces

Dwelling in a large metropolis (Particularly any which has a high rate of crime) raises your chance of being a victim of auto thieves. Should your general locality has high rates of auto theft claims filed, you will probably pay much more for automobile insurance in order to balanced out these costs. The actual total number of taken automobiles in Las Cruces was 171 back in 2013. But just because auto theft is unlikely near you doesn’t mean you shouldn’t try to carry some sort of Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allied Central Mutual State Farm Cal Casualty Allstate 15 30 45 60 75 90 105 120 $25 $54 $30 $108 $36 $76 $39 $113 $45 $134


Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x higher (or more) than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allied Central Mutual State Farm Cal Casualty Allstate 10 20 30 40 50 60 $23 $45 $26 $65 $31 $62 $31 $67 $45 $52


Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allied Central Mutual State Farm Cal Casualty Allstate 20 40 60 80 100 120 140 160 $25 $82 $30 $83 $36 $121 $39 $160 $45 $113


Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allied Central Mutual State Farm Cal Casualty Allstate 5 10 15 20 25 30 35 40 45 50 55 60 $25 $29 $45 $35 $30 $33 $33 $36 $36 $39 $39 $39 $39 $43 $63 $49 $45 $49 $54 $55


Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure. In general, though, it is your responsibility to carry enough insurance coverage as you think you will need if you happen to get into an accident.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allied Central Mutual State Farm Cal Casualty Allstate 20 40 60 80 100 120 140 160 180 $25 $58 $30 $123 $36 $91 $39 $124 $45 $185


Minor Car Insurance Factors in Las Cruces

Among the factors below, you may be able to find something which you can largely control and also utilize for discounts:

Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

Your Gender

This may be hard for some people to believe, but most companies don’t charge radically different rates for male or female drivers. In fact, many companies these days charge the exact same rate, all other things being equal.

Your Driving Distance to Work

Average commute times for Las Cruces aren’t too long, with most only lasting between 13-20 minutes. Around 76% of residents will commute to work in their own vehicle alone, while 3-11% will likely carpool.

Feel free to drive as many miles as you want per year, and for whatever reason – driving more miles, or only commuting for pleasure won’t make a huge dent in your monthly premium. However, business vehicles generally have about 10% higher insurance rates, so be careful about how you register your vehicle.

Your Coverage and Deductibles

Getting all the coverage you need can be expensive. That’s why some companies will charge you less per month if you agree to raise your deductible. However, be sure to save a little money away in case of an emergency if you choose to go this route.

Education in Las Cruces, NM

More than one-fifth of Las Cruces residents have managed to complete all four years of high school, while an additional 19% have not yet obtained a high school diploma. If you’re looking to save money long-term on your auto insurance, improving your education might be an attractive option, since car insurance providers often give lower rates to drivers with advanced degrees. They give these discounts out even more often than what you’d expect for having a high profile profession or a large annual salary.

Las Cruces is home to New Mexico State University, which has more than 16,000 students enrolled each year pursuing bachelor’s and other advanced degrees amongst six different colleges. For a valuable degree in less time, the Dona Ana Branch Community College helps students pursue two- year associate’s degrees or one-year certificates in popular business and medical fields.

Ascertaining your own personal financial risk can be very difficult or impossible for the typical insurance client. Insurance companies possess an advantage over customers due to their statistics and experiential know-how. Find out the things that insurance providers don’t expect most people to learn.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


New Mexico Office of the Superintendent of Insurance

New Mexico Financial Institutions Division – Regulation and Licensing

Department of Highway Safety and Motor Vehicles

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