What is the average cost of car insurance in Las Cruces?

 

The average cost of car insurance in Las Cruces, New Mexico, is $1,216 each year. That's less than the statewide average in New Mexico ($1,334) and cheaper than the national average of $1,548. Our guide to Las Cruces auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
CAR INSURANCE RATES IN LAS CRUCES
Las Cruces Average (per year) New Mexico Average National Average
$1,216 $1,334 $1,548
 
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Las Cruces auto insurance premiums by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Las Cruces, GEICO offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Las Cruces below. Use this information as a starting point and be sure to check out quotes specific to your unique driving profile.

 
LAS CRUCES AUTO INSURANCE RATES BY COMPANY
Insurer Average Rate (annual)
GEICO $705
USAA $912
State Farm $976
Progressive $1,283
Farmers $1,745
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Car insurance rates by age bracket in Las Cruces

The age group that enjoys the lowest auto insurance rates in Las Cruces are drivers in their age_50s, who pay an average of $1,106per year. Those in their age_60s don't pay significantly more ($1,133).

The Las Cruces drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Las Cruces is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Las Cruces is $3,019. That's the biggest gap in premiums between any pair of age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN LAS CRUCES
Age Average Annual Rate
Teens $4,638
20s $1,619
30s $1,193
40s $1,168
50s $1,106
60s $1,133
70s $1,395
 

Learn more about the impact of age on auto insurance rates.

 
 

 

Las Cruces car insurance premiums by gender and marital status

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Las Cruces pay $99 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Las Cruces, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Las Cruces, the gap in car insurance costs between genders is $1 per year, with male drivers paying more than female drivers.

 
LAS CRUCES AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Annual Rate
Female $1,215
Male $1,216
Single $1,117
Married $1,117
Divorced $1,216
Widowed $1,193
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

Las Cruces auto insurance costs by driving history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Las Cruces drivers found guilty of reckless driving face insurance rate increases of $573 per year, compared to the citywide average. A DUI violation may lead to a $673 increase, while a citation for speeding leads to a $256 rate hike.

 
LAS CRUCES CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Average Annual Rate
DWI/DUI $1,889
Reckless Driving $1,789
At-fault Accident (damages less than $1,000) $1,552
At-fault Accident (damages > $2,000) $1,801
Speeding Ticket (16-20 mph over speed limit) $1,472
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Las Cruces car insurance rates by credit score

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Las Cruces, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 56% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Las Cruces, improving your credit to "Fair" corresponds with a $943 decrease in annual car insurance rates.

 
LAS CRUCES AUTO INSURANCE RATES BY CREDIT TIER
Credit Tier Average Annual Rate
Very Poor $2,354
Fair $1,411
Good $1,216
Very Good $1,132
Exceptional $1,035
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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