Las Cruces Car Insurance

The Zebra
May 30, 2018

Car Insurance in Las Cruces

On average, premiums in Las Cruces sit under the state average by 10%. Going over some ways to save on Las Cruces car insurance can save you money.

  • City Average: $1,196
  • State Average: $1,331
  • National Average: $1,427

Las Cruces Car Insurance by Gender and Marital Status

In Las Cruces, various driver characteristics, including marital status and gender, can influence car insurance premiums. However, males have premiums that are only a bit cheaper than those for females. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being married, as opposed to single, can save you an average of 8% per year.

  • Female: $1,198
  • Male: $1,196
  • Single: $1,196
  • Married: $1,104
  • Divorced: $1,196
  • Widowed: $1,180

Las Cruces Car Insurance by Age

Drivers in Las Cruces see the greatest decline in premiums when they hit their 20s, as they save an average of $3,248 from moving out of the teenage age range. While premiums for drivers in Las Cruces will continue to decrease through their 50s, they should anticipate an increase when they turn 60. Teenage drivers have the biggest premiums out of all the age groups. They have average car insurance payments of $4,818. At $1,089, drivers in their 50s have the smallest insurance payments among any age group. Those in their 60s ($1,121) have premiums that aren't much higher.

  • Teenagers: $4,818
  • 20s: $1,570
  • 30s: $1,176
  • 40s: $1,152
  • 50s: $1,089
  • 60s: $1,121
  • 70s: $1,450

Las Cruces Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your car insurance premiums? Reckless driving will increase your car insurance premiums more than other driving violations. Typically, a DUI in Las Cruces will cost you 52% more in car insurance premiums versus the city average of $1,196. Reckless driving will also push your premiums up, with typical rates of $1,959. That is 64% higher than the city average! No one plans on getting into an accident, but life happens, so be aware of what can happen to your rates after one. Being at-fault in an accident can cost drivers an extra 49% per year in premiums compared to the city average.

  • DUI: $1,822
  • Reckless Driving: $1,959
  • At-fault Accident (damages less than $1000): $1,781
  • At-fault Accident (damages greater than $2000): $1,781
  • Speeding Ticket (16-20 mph over speed limit): $1,417

Las Cruces Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) pay an average of $943 more each year for car insurance than those with Exceptional credit (800-850). Drivers can save close to $194 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $1,987
  • Fair: $1,692
  • Good: $1,434
  • Very Good: $1,238
  • Exceptional: $1,044

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