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Best cheap car insurance in Las Cruces

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The average cost of car insurance in Las Cruces is $1,292 yearly for full coverage, or about $108 per month. For minimum coverage, the average annual cost is $380. The company with the cheapest car insurance in Las Cruces is USAA, according to Bankrate’s 2021 study of quoted annual premiums.

Though buying minimum coverage to get the cheapest rates is tempting, you might want to consider higher limits or more coverage options. Getting the highest liability limits you can afford could offer better financial protection if you are at fault in an accident with injuries or property damage to others. Drivers looking for the best cheap car insurance companies might want to start their search for car insurance in Las Cruces with the companies analyzed by Bankrate .

Best cheap car insurance companies in Las Cruces

The cheapest car insurance companies in Las Cruces are USAA, Progressive, Geico, State Farm and Allstate, according to Bankrate’s study of Quadrant rates. Besides quoted annual premiums, the Bankrate Score, which can help drivers understand how car insurance companies rank based on multiple criteria, is calculated on a five-point scale using third-party ratings from organizations like J.D. Power and AM Best, coverage options, discounts, mobile and online presence and available features.

Insurance company Bankrate Score J.D. Power customer satisfaction score Average annual premium for full coverage Average annual premium for minimum coverage
USAA 5.0 863/1,000* $1,020 $267
Progressive 4.4 835/1,000 $1,129 $435
Geico 4.7 829/1,000 $1,270 $338
State Farm 4.7 847/1,000 $1,275 $401
Allstate 4.0 822/1,000 $1,804 $456

*USAA not officially ranked by J.D. Power due to eligibility restrictions.


Drivers looking for the cheapest average rates on minimum and full coverage car insurance in Las Cruces may want to consider USAA. This insurer earned the most points in the Southwest region on J.D. Power’s Auto Insurance and Auto Claims Satisfaction studies. Unfortunately, USAA is limited to only current and past military members, veterans and their immediate families, making the insurance provider ineligible for J.D. Power’s official ranking. But those eligible might enjoy affordable rates and military-specific discounts like garaging your car on base, putting it in storage or participating in SafePilot, a program that rewards safe driving habits.

Learn more: USAA Insurance review


Progressive has the second lowest average full coverage rates on our list in Las Cruces, but the second highest average minimum coverage rates. The insurer also has a better-than-average J.D. Power customer satisfaction score in the Southwest region, but is lower than average for claims satisfaction. Progressive has unique features for those needing Las Cruces car insurance, such as gap insurance, rideshare and custom parts coverage. If you stay claim-free, you can also bank deductible savings, which can lower your coverage deductible if you have to file a claim.

Learn more: Progressive Insurance review


Geico offers the second-lowest average rates for minimum coverage of the listed insurance companies in Las Cruces. In the Southwest region, Geico is just below average with 829 points, but is above average in J.D. Power’s auto claims satisfaction study with 881 out of 1,000 points. The large insurer has standard coverages, with the added option for mechanical breakdown insurance. But Geico stands out as the carrier with the most discounts, which may help you get the cheapest rates.

Learn more: Geico Insurance review

State Farm

State Farm is highly rated in the Southwest region by J.D. Power for customer satisfaction with the second highest score of 847 points out of a possible 1,000. It also has an above-average ranking for J.D. Power’s auto claims satisfaction. State Farm’s average rates are right around the average rates we pulled for car insurance in Las Cruces, but a bit higher for full coverage. Still, drivers might be able to get affordable rates with State Farm if they take advantage of bundling policies, applying other discounts and showing off their safe driving habits in the Drive Safe & Save program.

Learn more: State Farm Insurance review


Rounding out our top five cheap car insurance companies in Las Cruces is Allstate. This insurer ranks below average in both J.D. Power studies and has higher-than-average rates than other providers on our list, leading to a lower Bankrate Score than the other insurance companies we studied. But Allstate has a lot to offer the right driver, especially those with teen drivers. Allstate’s teenSMART program might be a great way to educate teens on how to practice safe driving habits. Students with a B or above can also get a good student discount, if eligible. Allstate also allows more customization than many competitors we looked at, with custom equipment, roadside, rideshare and personal umbrella coverage.

Learn more: Allstate Insurance review

How to get and keep the cheapest car insurance in Las Cruces

It can take some work to get and keep the cheapest and best car insurance in Las Cruces. For instance, having clean driving records will typically open up more discount options, like accident forgiveness, accident-free and safe driving discounts. Insurance providers also usually offer more affordable rates to those who use safe driving habits to avoid getting tickets and causing accidents. Use these tips to get and keep the cheapest rates in Las Cruces:

  • Compare insurance providers. To get the cheapest rates, you may need to shop around and compare quotes. Doing this could help you find the cheapest insurance companies offering the coverages you need to protect yourself at a price that fits in your budget.
  • Check in with your insurance provider periodically. Insurance providers make changes from time to time, like offering new discounts or coverages. By checking in with the company periodically, you can ensure you are getting all the discounts available to you. This might also be a good time to review coverage options or make changes, like reducing coverage on an older car or getting quotes to replace it with a newer model.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies depend on what is most important to you. It may be price, coverage options, available discounts, the company’s financial strength or customer satisfaction. Comparing insurance companies and rates can help you find the best car insurance company for you with the most affordable rates.

What is the minimum auto insurance coverage in New Mexico?

Drivers in New Mexico must keep a minimum amount of auto insurance coverage of 25/50/10 for both bodily injury liability and property damage Those limits are $25,000 per person, $50,000 per accident for bodily injury  liability and $10,000 for property damage per accident. Uninsured and underinsured motorist coverage must be offered by the insurer but can be declined in writing. You may want to consider purchasing more than the minimum required coverage to protect yourself financially, though. Consider speaking with your insurance agent to see how much insurance you need to protect your finances.

What type of car has the cheapest insurance?

The type of car with the cheapest insurance varies by company and household. The make and model of your car is just one factor used to calculate premiums. Your age and the claims and driving history or all household members are also considered. Before you buy a new or used car, consider getting quotes to find out which company has the cheapest rates for your situation.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor