Cheapest Car Insurance In Las Cruces, NM 2025
For those seeking basic auto coverage in Las Cruces, GEICO is the least expensive at roughly $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Prices for car insurance in Las Cruces, NM can vary widely when you’re searching for the best deal.
When it comes to liability-only insurance, GEICO has the lowest average rates. Progressive is your best bet for full coverage, and State Farm is often the most budget-friendly for young drivers.
Cheapest Car Insurance Companies In Las Cruces, NM 2025
Cheapest Liability-only Car Insurance In Las Cruces: GEICO
When it comes to minimum car insurance in Las Cruces, GEICO has the most affordable rate, averaging $37 monthly.
The table below breaks down the costs from different providers for easy comparison.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $48 | $576 |
| USAA | $40 | $480 |
| Midvale Home & Auto | $55 | $660 |
| State Farm | $35 | $420 |
| GEICO | $45 | $540 |
Cheapest Full Coverage Insurance Rates In Las Cruces: State Farm
With an average rate of $92 per month, Progressive provides the cheapest full coverage in Las Cruces.
This table outlines the average auto insurance prices offered by budget-friendly companies in Las Cruces.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $105 | $1,260 |
| USAA | $60 | $720 |
| Midvale Home & Auto | $110 | $1,320 |
| GEICO | $75 | $900 |
| State Farm | $55 | $660 |
Cheapest Car Insurance Rates For Seniors: State Farm
Among insurance providers in Las Cruces, State Farm offers seniors the best deal at around $87 a month.
Take a look at the table below for the lowest average quotes from insurers offering senior car insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Allied | $95 | $1,140 |
| Central Mutual Insurance Co | $80 | $960 |
| USAA | $65 | $780 |
| Farm Bureau Mutual (IA Group) | $75 | $900 |
Cheapest Rates In Las Cruces For Teenagers: State Farm
State Farm stands out as the best choice for Las Cruces teens, with the lowest average premium of $313 per month.
This table shows the companies with the most affordable car insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $215 | $2,580 |
| USAA | $140 | $1,680 |
| Allied | $325 | $3,900 |
| Central Mutual Insurance Co | $185 | $2,220 |
| State Farm | $180 | $2,160 |
Cheapest Auto Insurance For Young Adults in Las Cruces: State Farm
State Farm has the lowest car insurance rates for young adults in Las Cruces, at an average of $238 a month.
Use the chart below to compare affordable car insurance rates for young adults in Las Cruces.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $135 | $1,620 |
| Central Mutual Insurance Co | $125 | $1,500 |
| USAA | $90 | $1,080 |
| State Farm | $100 | $1,200 |
| Safeco | $75 | $900 |
Cheapest Car Insurance In Las Cruces For Good Drivers: GEICO
Good drivers in Las Cruces can find car insurance from GEICO for just $37 per month on average.
Good drivers can refer to the table below to compare the lowest insurance quotes from top-rated providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $135 | $1,620 |
| Central Mutual Insurance Co | $125 | $1,500 |
| USAA | $90 | $1,080 |
| State Farm | $100 | $1,200 |
| Safeco | $75 | $900 |
Cheapest Car Insurance In Las Cruces For Good Drivers: GEICO
Good drivers in Las Cruces can find car insurance from GEICO for just $37 per month on average.
Good drivers can refer to the table below to compare the lowest insurance quotes from top-rated providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $135 | $1,620 |
| Central Mutual Insurance Co | $125 | $1,500 |
| USAA | $90 | $1,080 |
| State Farm | $100 | $1,200 |
| Safeco | $75 | $900 |
Cheapest Car Insurance In Las Cruces After A Speeding Ticket: State Farm
Drivers in Las Cruces with a speeding ticket can find affordable insurance with State Farm, which averages $176 a month.
Refer to the table below to see average insurance rates for drivers who’ve had a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $50 | $600 |
| State Farm | $35 | $420 |
| Midvale Home & Auto | $320 | $3,894 |
| USAA | $65 | $780 |
| National General | $60 | $720 |
Cheapest For Drivers With After At-Fault Accident: State Farm
The cheapest car insurance for drivers with an at-fault accident comes from State Farm, with an average premium of $193 a month.
Here are the top insurance companies with the lowest rates for drivers who have an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $50 | $600 |
| Midvale Home & Auto | $80 | $960 |
| USAA | $45 | $540 |
| National General | $65 | $780 |
| State Farm | $40 | $480 |
Cheapest Car Insurance In Las Cruces For Drivers After A DUI: State Farm
If you have a DUI on your record, State Farm provides the most affordable car insurance in Las Cruces, averaging $188 per month.
Below, you’ll find a comparison of the cheapest car insurance rates for Las Cruces drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $600 |
| Midvale Home & Auto | $90 | $1,080 |
| National General | $80 | $960 |
| USAA | $55 | $660 |
| GEICO | $65 | $720 |
Best Car Insurance Companies In Las Cruces
Las Cruces drivers can find affordable insurance from AAA for $83 per month, with Progressive at $90 and GEICO at $93 being other strong contenders.
Here’s a list of the 10 best car insurance companies in Las Cruces, MO, ranked by their average monthly costs.
| Company | Monthly Premium |
| Liberty Mutual | $187 |
| Safeco | $104 |
| Farmers | $163 |
| Central Mutual Insurance Co | $101 |
| Allstate | $155 |
| State Farm | $90 |
| Metropolitan | $135 |
| USAA | $80 |
| Allied | $118 |
| Farm Bureau Mutual (IA Group) | $108 |
Average Rates In Las Cruces – By Age
Age significantly affects car insurance costs. Due to their inexperience and higher accident risk, younger drivers usually face higher premiums. Teens can expect to pay approximately $7,599 per year for their insurance.
When drivers reach 25, their rates typically decrease, as long as their driving record remains clean.
The most competitive car insurance rates are usually offered to drivers in their 50s and early 60s. Age is used by insurers to judge driving experience and risk, influencing premium prices.
| Age | Average Yearly Rate |
| Teenagers | $2,319 |
| 20s | $815 |
| 30s | $600 |
| 40s | $590 |
| 50s | $560 |
| 60s | $570 |
| 70s | $700 |
Average Rates In Las Cruces – By Vehicle
The vehicle you own directly affects your car insurance rates. Factors like make, model, year, and body style all play a role in how much you pay. Typically, newer luxury cars with advanced technology and higher replacement costs have higher premiums.
The table below provides average insurance rates in Las Cruces for a range of vehicles.
| Vehicle | Average Monthly Rate |
| 2019 Dodge Challenger | $595 |
| 2018 Volkswagen Tiguan | $130 |
| 2013 Hyundai Elantra | $325 |
| 2007 Bmw 525 | $185 |
| 2014 Honda Accord | $90 |
Average Cost Of Auto Insurance In Las Cruces – By Zip Code
By using zip codes, insurers can determine the crime risk in your area, which results in different car insurance rates depending on your zip code.
The table below breaks down the average insurance rates for different Las Cruces zip codes.
| City | Average Monthly Rate |
| 88001 | $115 |
| 88007 | $108 |
| 88011 | $90 |
| 88005 | $134 |
| 88012 | $103 |
How Much Is Car Insurance In Other Cities in New Mexico?
The location you live in plays a key role in your car insurance rates. Cities typically experience higher rates of accidents, theft, and vandalism, leading to increased premiums for residents.
For example, car insurance costs around $243 a month in Los Angeles, while residents of San Diego pay an average of $176 per month.
| City | Average Monthly Rate |
| Rio Rancho | $135 |
| Roswell | $105 |
| Artesia | $122 |
| Santa Fe | $125 |
| Farmington | $112 |
| Deming | $108 |
| Española | $190 |
| Carlsbad | $125 |
| Hobbs | $132 |
| Albuquerque | $155 |
Our Methodology
Using a comprehensive analysis that includes customer service ratings, product offerings, pricing, and online reviews, I’ve compiled an extensive look at car insurance providers in Las Cruces, MO.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Las Cruces?
GEICO is the cheapest option for state-required minimum coverage in Las Cruces, while Progressive offers the lowest rates for full coverage, including both collision and comprehensive.
What is the average cost of car insurance in Las Cruces?
In Las Cruces, you can expect to pay about $180 a month for car insurance, but rates will fluctuate depending on your zip code, vehicle make and model, and driving history.
