Las Cruces, NM Car Insurance

On average, Las Cruces drivers pay a monthly average rate of around $74 for their car insurance. To learn more about car insurance rates in the Las Cruces area, read our guide below.
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How much can 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$74
NM$80
United States$81

Based on the above chart, auto insurance policies in Las Cruces are about $6 a month cheaper than in the rest of New Mexico.

Compared to the rest of the country, auto insurance in Las Cruces is more affordable. On average, it's about $7 less to insure your vehicle in Las Cruces than it is in the rest of the United States.

While these numbers represent the average monthly payments for coverage in Las Cruces, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

We've broken down average rates for Las Cruces to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$172
18-24$108
25-34$66
35-44$62
45-54Not Enough Data
55-64$55
65+$49

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up a bit in Las Cruces.

Average Car Insurance Rates by Gender

Gender Average
Male$76
Female$71

In general, car insurance rates for women are usually cheaper than they are for men. The difference in Las Cruces is about $5 per month. As you can see in the table above, female drivers in the area typically pay $71 on average, while female drivers typically pay $76 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$69
1 Ticket$91
Multiple Tickets$78

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Las Cruces, a driving record with a single accident will usually get you a rate around $88 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $91.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$72
4-5 Years$104
6-7 Years$77
8-10 Years$69
11-14 Years$72
15 Years or Older$68

According to the first table above, the cheapest vehicles to insure in Las Cruces are by and large trucks and vans, at $63 per month.

SUV drivers will see rates of about $70, while the rates for car owners average out to about $78 a month.

The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Las Cruces, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$77
Married$66
Divorced$45
Widowed$48

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Las Cruces reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$80
Live with parents$62

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Las Cruces. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Las Cruces, NM

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

Insurance rates in Las Cruces have been mixed recently. They fell in 2017, rose in 2019, and decreased again in 2021, before finishing at $70 in 2022.

How does Las Cruces compare to neighboring areas?

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

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Area crime rates
  • Road Safety (how many accidents each locality has)
  • Total number of drivers in the region
  • Off-street parking accessibility
  • Area regulations

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. 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 Las Cruces?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Las Cruces in no time.


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Las Cruces Insurance FAQs

What factors affect car insurance quotes in Las Cruces?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

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

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 however, by using sites like Compare.com to compare multiple quotes at once.

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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Las Cruces or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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