Car insurance rates are cheaper than average in Las Cruces. If you're paying too much for car insurance, check out our guide and learn how to save.
The average cost of car insurance in Las Cruces, New Mexico, is $1,216 each year. That's less than the statewide average in New Mexico ($1,334) and cheaper than the national average of $1,548. Our guide to Las Cruces auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
| Las Cruces Average (per year) | New Mexico Average | National Average |
| $1,216 | $1,334 | $1,548 |
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 compare quotes specific to your unique driving profile.
| Insurer | Average Rate (annual) |
| GEICO | $705 |
| USAA | $912 |
| State Farm | $976 |
| Progressive | $1,283 |
| Farmers | $1,745 |
Read our guide to finding the best cheap auto insurance.
The age group that enjoys the lowest auto insurance rates in Las Cruces are drivers in their age_50s, who pay an average of $1,106per year. Those in their age_60s don't pay significantly more ($1,133).
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.
| Age | Average Annual Rate |
| Teens | $4,638 |
| 20s | $1,619 |
| 30s | $1,193 |
| 40s | $1,168 |
| 50s | $1,106 |
| 60s | $1,133 |
| 70s | $1,395 |
Learn more about the impact of age on auto insurance rates.
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Las Cruces pay $99 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Las Cruces, single drivers pay more than those who are widowed.
Gender is another factor that can affect auto insurance rates. In Las Cruces, the gap in car insurance costs between genders is $1 per year, with male drivers paying more than female drivers.
| Gender/Marital Status | Average Annual Rate |
| Female | $1,215 |
| Male | $1,216 |
| Single | $1,117 |
| Married | $1,117 |
| Divorced | $1,216 |
| Widowed | $1,193 |
Learn more about how gender and marital status have on car insurance rates.
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, 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.
| Incident/Violation | Average Annual Rate |
| DWI/DUI | $1,889 |
| Reckless Driving | $1,789 |
| At-fault Accident (damages less than $1,000) | $1,552 |
| At-fault Accident (damages > $2,000) | $1,801 |
| Speeding Ticket (16-20 mph over speed limit) | $1,472 |
Learn more about how citations can raise your auto insurance rates.
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 $943 decrease in annual car insurance rates.
| Credit Tier | Average Annual Rate |
| Very Poor | $2,354 |
| Fair | $1,411 |
| Good | $1,216 |
| Very Good | $1,132 |
| Exceptional | $1,035 |
Learn more about the relationship between poor credit and car insurance.
