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How much is car insurance in Clovis?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Clovis is about $7 a month cheaper than it is for the rest of New Mexico.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Clovis is rather affordable. It's about $8 cheaper than the national average to insure your vehicle in Clovis.
Keep in mind that while these are the average car insurance rates for Clovis, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Clovis residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $74 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates begin to go back up in Clovis.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Clovis, where women pay around $17 less a month. Looking at the table above, you can see that female drivers pay around $64 on average, while male drivers typically pay $81 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Clovis with one accident will pay around $77 a month. Likewise, drivers with one ticket will be looking at a rate of around $56 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$48|
If you look at the first table above, the cheapest vehicles to insure in Clovis are usually SUVs, at $65 per month.
Truck and van drivers will see rates of about $70 for insurance coverage, while car owners by and large pay around $78 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Clovis, the most expensive vehicles to insure are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
The cost of auto insurance in Clovis reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $40 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$40|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $24 a month more than those who own their own home in Clovis. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Clovis, NM
Recent trends in car insurance for Clovis drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Auto insurance rates in Clovis had been increasing steadily from 2017-2021. Rates finished down in 2022, at $34.
How does Clovis compare to neighboring areas?
Why are car insurance rates in Clovis different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local crime rates
- Access to off-street parking
- Road Safety (frequency of local car accidents)
- Local regulations
- Number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Clovis?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Clovis.
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Clovis Insurance FAQs
What factors affect car insurance quotes in Clovis?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Clovis different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Clovis?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Clovis?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Clovis or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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