Las Cruces, NM Car Insurance

The average monthly cost for car insurance in Las Cruces is about $70. To find out more check out our guide below.
What should residents of Las Cruces expect to pay for their car insurance? How does Las Cruces compare to the surrounding area and the rest of New Mexico? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Las Cruces?

Area Average Monthly Car Insurance Premium
Las Cruces$70
NM$74
United States$80

Auto insurance coverage in Las Cruces is about $4 cheaper than it is in the rest of New Mexico.

Likewise, when compared to the national average, the cost for auto insurance in Las Cruces is lower. On average, it's about $10 less to insure your vehicle in Las Cruces than it is in the rest of the United States.

Although these are the average car insurance rates in Las Cruces, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Las Cruces and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$172
18-24$116
25-34$57
35-44$53
45-54Not Enough Data
55-64$52
65+$48

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Las Cruces drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$72

While women typically pay less than men do for auto insurance, Las Cruces goes against the grain. Female drivers typically pay around $4 more per month for car insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$83
Multiple Accidents$76
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Las Cruces, a driving record with a single accident will usually get you a rate around $83 a month.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$77
4-5 Years$132
6-7 Years$56
8-10 Years$66
11-14 Years$71
15 Years or Older$57

The cheapest vehicles to insure in Las Cruces are usually SUVs, with each type typically costing about $54 per month.

Car owners will see rates of about $75, while truck and van owners by and large pay around $64 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. The most expensive vehicles to insure in Las Cruces are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$75
Married$53
Divorced$45
Widowed$47

Overall, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

The difference in rates based on relationship status in Las Cruces is about $22 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$78
Live with parents$64

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Las Cruces. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Las Cruces, NM

Recent trends in car insurance for Las Cruces drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Las Cruces had been decreasing from 2016-2018, when they hit a low of $50. This shifted in 2019, when insurance rates started to rise. They reached a high of $85 in 2020, and finished down in 2021, at $71 per month.

How does Las Cruces compare to neighboring areas?

Why are car insurance rates in Las Cruces different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Total drivers
  • Area regulations
  • Access to off-street parking
  • Crime levels
  • Rate of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Las Cruces?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Las Cruces.

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Las Cruces Insurance FAQs

What factors affect car insurance quotes in Las Cruces?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Las Cruces?

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 Las Cruces?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Las Cruces 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.

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