Best cheap car insurance in Las Cruces

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Drivers in Las Cruces, New Mexico, pay an average of $380 for basic and $1,292 for full coverage a year. These amounts are lower than the national average, which is surprising because New Mexico currently has some of the highest vehicle related death rates in the country. Per 100,000 people, the U.S. average is 12.1, but in New Mexico the average is currently 18.7. The price tags are even more startling when you consider that New Mexico is the third highest state for uninsured drivers. With these rates, it wouldn’t be surprising to see rates climb in the future, which is why all drivers in Las Cruces need to find the best providers at the best price right now.

To determine the best providers we looked at a variety of data points, such as customer service, financial strength, average annual premium and discounts. The companies below are what we consider to be the best cheap car insurance in Las Cruces.

Best car insurance companies in Las Cruces

We determined the best car insurance in Las Cruces by analyzing data from J.D. Power and AM Best, as well as looking at such data as coverage options, average cost for premiums and available discounts. Here are our top five:

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Allstate 830 / 1,000 $456 $1,804
Geico 834 / 1,000 $338 $1,270
Progressive 803 / 1,000 $435 $1,129
State Farm 826 / 1,000 $401 $1,275
USAA 876 / 1,000 $267 $1,020


Driver for Uber or plan to do so in the future? Allstate offers rideshare insurance to keep you legal and safe. It also offers a number of other coverage options, too, such as:

  • Gap coverage
  • Rental reimbursement coverage
  • New car replacement coverage
  • Towing and labor cost coverage
  • Classic car insurance
  • Sound system coverage

Allstate also offers some great discounts, especially for young drivers. If you have a young driver on your policy, or have a student away at college, you could potentially save big on your premium by taking advantage of the good student discount, garage discount or taking the teenSMART driver education program.


Geico offers a lot of discounts, many of which can help you save big on your premium. You can save money by utilizing the customer loyalty discounts (bundling, multi-car), but you can also save by having an anti-theft system in your car and having both driver and passenger airbags.

Geico also routinely scores well for customer service, and is one of the financially strongest companies in the nation (which means they can handle any claim with ease).


Progressive is a 21st century insurance company. They have a great smartphone app, website presence, and online quote tool. In fact, Progressive will even tell you how much you’d pay if you went with another provider— not that we recommend it. Our favorite thing about Progressive is its Snapshot discount. With Snapshot installed on your smartphone, Progressive will analyze your driving behavior. If it likes what it sees, you could save big on your premium.

State Farm

State Farm is the largest auto insurer in the nation, which means drivers obviously like it. This is for good reason. State Farm offers a plethora of discounts and makes both signing up and changing your policy super easy. You can also file a claim and check the status of one all from the comfort of your smartphone.


USAA is a unique provider in that it only insures both current and past military, as well as their immediate family members. For those that this describes, USAA should be on your short list. Year after year, USAA beats out its competition for customer service, and offers the lowest premiums in town. It’s only downfall is that it doesn’t offer much in the way of discounts, but it doesn’t have to.

Cheapest car insurance in Las Cruces

The average cost of car insurance in the U.S. is $1,601 annually for full coverage. New Mexico as a whole pays a bit less at $1,388 a year. In Las Cruces, that amount is even less at $1,292 per year. However, that doesn’t mean drivers shouldn’t try to get that amount even lower!

Here are the cheapest car insurance rates in Las Cruces from the most popular carriers based on market share:

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $267 $1,020
Geico $338 $1,270
State Farm $401 $1,275
MetLife $407 $1,385
Farmers $420 $1,234

Each company offers some great rates to help you save on your premium.

USAA, Geic, and State Farm, received better customer service feedback from J.D. Powers (though Farmers was only a point behind State Farm in 2020). Discounts wise, you’ll have more luck with Geico, State Farm or Farmers.

Each company has a diverse mobile app and each is also financially strong enough to handle a mass amount of claims. If your objective is to find the cheapest car insurance quotes in Las Cruces, you’ll likely have good luck working with any of the five above.

Las Cruces insurance requirements

To legally drive in Las Cruces, you must have a 25/50/10 policy. Written out, this means the minimum amount of liability you must have is:

  • $25,000 per person for bodily injury/ death
  • $50,000 per accident for bodily injury/ death
  • $10,000 per accident for property damage

However, driving with only minimum liability is often not the best choice if you can afford more protection. For starters, it’s quite easy for medical treatment to exceed $50,000 after a horrific accident. It’s also very easy for property damage to exceed $10,000 (especially when you consider that most new cars cost well over $30,000). Any amount your insurance provider doesn’t pay must be paid by you out of pocket.

Furthermore, if you plan on leasing or financing a new car purchase, most lenders require full coverage. While rate shopping, make sure you compare a provider’s average cost for both basic and full coverage to get a better idea of what you would pay each year.

Car insurance discounts in Las Cruces

  • Multi-car
  • Multi-policy
  • Anti-theft
  • Good Student
  • Defensive driving course

A quick and easy discount most drivers will be able to take advantage of is the defensive driving discount. Sign up for a defensive driving course, and most providers will give a permanent discount. To take a course costs money, but most drivers will get the money back after just a few months worth of savings.

The best way to save, however, is to take advantage of a customer loyalty discount no matter which company you work with — be it by insuring multiple cars with a provider, or also buying homeowners, renters or condo insurance through the same provider.

Frequently asked questions

What is the best car insurance company?

Though there are a lot of ways to answer this question (best for financial strength, best for customer service, best for discounts, etc.), the best car insurance company depends on your needs and your own personal profile. To learn more, please read our Best Car Insurance Companies page.

Is New Mexico a no-fault state?

No, New Mexico is not a no-fault state. Because it is a tort state, all drivers must pay for any damages they cause.


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 coverages that meet 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.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.