Cheapest Auto Insurance in Las Cruces, New Mexico (2025)

Home to New Mexico State University, Las Cruces sits at the center of the Mesilla Valley. It’s fitting then that its car insurance rates sit at the center of the state average as well.

Drivers in Las Cruces pay an average of $97 per month for car insurance, according to Insurify data. The city’s rates are about the same as the state average of $103 but less than the national average of $140.

Las Cruces is New Mexico’s second-largest city.1 But it has few traffic fatalities each year. And auto theft rates decreased in 2023 compared to 2022, likely keeping the city’s rates affordable.2

3 of the cheapest car insurance companies in Las Cruces

The best car insurance policy balances price with adequate coverage based on your needs. It may not necessarily be the most affordable option you can get.

It’s a good idea to shop around and compare car insurance rates, coverage options, discounts, and other features before buying a policy.

As you begin your search, keep these leading Las Cruces insurers in mind.

Best insurer for students: State Farm

Best insurer for military members: USAA

Best insurer for renters: GEICO

How to get the cheapest car insurance in Las Cruces

Various factors affect premiums, including your age, driving record, ZIP code, credit score, amount of coverage, and more. You can’t control every factor insurance companies consider. But you can do some things to find the best deal, including:

• Increase your deductible. Auto insurance policies with higher deductibles typically cost less than policies with low deductibles. This is because you’re taking on more of the risk yourself.

• Improve your credit score. Insurers may consider your credit history when determining rates. Drivers with better credit typically qualify for lower rates.

• Drop comprehensive and collision. If you drive an older car that isn’t worth much, dropping comprehensive and collision coverage can help you save. However, if you have a late-model vehicle or a car that maintains its value, it’s probably best to hold onto these coverages.

• Shop around. Rates can vary significantly between different companies. Getting quotes from multiple insurers can help you find cheap car insurance in Las Cruces.

Cheapest liability-only car insurance in Las Cruces: The General

Liability car insurance covers your financial responsibility to others if you cause an accident. It helps pay for injuries and damage that the other driver and their passengers suffer. It doesn’t cover your injuries or vehicle repairs. Because of this, liability coverage is often the most affordable.

The average rate for liability coverage in Las Cruces is $70 per month, and you can see a collection of rates offered by top insurers below.

Cheapest full-coverage car insurance in Las Cruces: Root

Full coverage offers greater protection. It includes liability coverage as well as collision and comprehensive coverages. Collision pays for crash-related damage to your vehicle. Comprehensive covers damage from incidents other than accidents, such as severe weather, theft, and vandalism.

People driving newer, more expensive vehicles typically benefit from carrying full coverage. Lenders also usually require it if you have an auto loan or lease. The average rate for full coverage in Las Cruces is $124 per month, and you can see a collection of rates offered by top insurers below.

Car insurance requirements in New Mexico

New Mexico is an at-fault, or tort, state. In at-fault states, the driver who causes an accident is responsible for the damages. The table below shows the minimum amount of coverage New Mexico drivers must maintain by law.6

State-minimum coverage is the most affordable policy you can buy. But it’s unlikely to offer enough protection if you’re in a serious accident. Here are some additional options to consider for added protection:

Cheapest car insurance for drivers with an incident

Drivers with incidents on their records — including at-fault accidents, speeding tickets, DUIs, and other moving violations — typically pay more for coverage. This is because insurance companies consider people without clean driving records to be higher-risk and more likely to file a claim in the future.

In the table below, you can see how different incident types affect your car insurance rates in Las Cruces.

Average cost of car insurance by age

Age is one of the most important factors insurance companies use to determine cost. Teens and young adults have the highest rates because they have the least experience. They’re also more likely to get in an accident than other age groups.7

Rates decrease as drivers gain more experience. They typically drop significantly around age 25 and remain low until age 70. After that, you may see an uptick in price again.

Here’s a look at average rates for Las Cruces drivers by age.

Las Cruces car insurance quotes by credit tier

New Mexico insurers may consider an applicant’s credit history when determining rates. People with excellent or good credit typically qualify for lower rates than people with poor credit.

However, the New Mexico Personal Insurance Credit Information Act limits how companies can use credit.

A person’s credit history can’t be the only factor insurers use to set rates or deny or cancel coverage. And if an applicant has a limited credit history, the company can’t increase their rate because of it. The insurer must give the person average or above-average rates or calculate the policy’s price using other factors.

The table below shows average full-coverage rates for drivers based on credit scores.

Las Cruces car insurance FAQs