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Ava Lynch

Insurance Analyst

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  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Las Cruces?

The average cost of car insurance in Las Cruces, New Mexico, is $608 each year. That's less than the statewide average in New Mexico ($667) and cheaper than the national average of $880. Our guide to Las Cruces auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

Car insurance in Las Cruces vs. New Mexico Average 6 Mo. Premium
Las Cruces average $608
New Mexico average $667

The Zebra's key takeaways about car insurance in Las Cruces:

  • The average cost of a car insurance policy in Las Cruces is $608 per six-month policy — $101 per month.
  • The cheapest company in Las Cruces is GEICO ($352).
  • 33% of Zebra customers in Las Cruces stated they used our product because they were paying too much for car insurance with their current provider.

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Las Cruces car insurance rates by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Las Cruces, GEICO offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Las Cruces below. Use this information as a starting point and be sure to check out quotes specific to your unique driving profile.

Cheapest car insurance companies in Las Cruces, NM
Company Avg. 6 Mo. Premium
GEICO $352
USAA $456
State Farm $488
Progressive $641
Farmers $872

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Las Cruces.

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Las Cruces auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 27% of Las Cruces drivers. The age group that enjoys the lowest auto insurance rates in Las Cruces are drivers in their 50s, who pay an average of $553 per six-months. Those in their 60s don't pay significantly more ($566).

The Las Cruces drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Las Cruces is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Las Cruces is $3,019. That's the biggest gap in premiums between any pair of age brackets.

Las Cruces auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teens $2,319
20s $809
30s $596
40s $584
50s $553
60s $566
70s $697

Las Cruces car insurance rates by credit score

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Las Cruces, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 56% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Las Cruces, improving your credit to "Fair" corresponds with a $471 decrease in six-month car insurance rates. Our data tells us 35% of drivers in Las Cruces have a credit score of average (580-679). 

credit score
Las Cruces auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,177
Fair $705
Good $608
Very Good $566
Exceptional $517

Las Cruces car insurance rates by violation

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Las Cruces drivers found guilty of reckless driving face insurance rate increases of $573 per year, compared to the citywide average. A DUI violation may lead to a $673 increase, while a citation for speeding leads to a $256 rate hike.

Las Cruces auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $944
Reckless Driving $894
At-fault Accident (damages less than $1,000) $776
At-fault Accident (damages > $2,000) $900
Speeding Ticket (16-20 mph over speed limit) $736

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.