Clovis, NM Car Insurance

On average, drivers in Clovis pay around $72 per month for their car insurance. Check out our guide below to find out how much you'll pay.
How does Clovis compare to the surrounding area and the rest of New Mexico? What can Clovis residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Clovis?

Area Average Monthly Car Insurance Premium
Clovis$72
NM$74
United States$80

As you can tell by looking at the chart above, auto insurance rates in Clovis are about the same as 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. On average, it's about $8 less to insure your vehicle in Clovis than it is in the rest of the United States.

Bear in mind that while these rates represent the expected monthly payments for residents of Clovis, it doesn't mean that'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 even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down average rates for Clovis to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$101
25-34$70
35-44$57
45-54Not Enough Data
55-64$32
65+Not Enough Data

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Clovis.

Average Car Insurance Rates by Gender

Gender Average
Male$76
Female$68

Car insurance rates for women are generally cheaper than they are for men. In Clovis, the difference is around $8 per month. As you can see in the chart above, car insurance for women in the area typically costs around $68 each month, while men pay $76 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$71
Multiple Accidents$144
1 Ticket$32
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Clovis with a single accident will pay around $71 a month. In addition, drivers with a single ticket on their record can expect to pay around $32 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$91
4-5 Years$90
6-7 Years$81
8-10 Years$62
11-14 Years$80
15 Years or Older$51

As you can see in the first table above, the cheapest vehicles to insure in Clovis are by and large SUVs, which run about $67 per month.

SUV owners will see rates of about $67, while truck and van owners typically pay around $80 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Clovis, the most expensive vehicles to insure are vehicles two-to-three years old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$76
Married$42
Divorced$58

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Clovis is no exception, with the difference totaling to around $34 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$80
Live with parents$58

Your housing situation is another component of how insurance companies calculate your monthly rate. In Clovis, homeowners can expect to pay around $36 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Clovis, NM

Recent trends in car insurance for Clovis drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for car insurance in Clovis decreased from 2016-2017, but began to rise in 2018. This pattern has continued through 2021 when rates have most recently hit $115.

How does Clovis compare to neighboring areas?

Why are car insurance rates in Clovis different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Road safety
  • Local laws
  • Amount of drivers
  • Crime
  • Amount of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Clovis?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Clovis.

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Clovis Insurance FAQs

What factors affect car insurance quotes in Clovis?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Clovis different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Clovis?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Clovis?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Clovis or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes