Best cheap car insurance in Las Cruces

In Las Cruces New Mexico, drivers pay on average $380 per year for basic coverage and $1,292 per year for full coverage. This is surprising as New Mexico has one of the highest rates of vehicle-related deaths in the country. The average U.S. population is 12.1, while the New Mexico average is 18.7. Even more shocking is the fact that New Mexico ranks third for uninsured drivers. It’s not surprising that rates will rise in the future. This is why drivers in Las Cruces should search for the best providers at the lowest prices right now.

We considered a wide range of factors to determine the best providers, including financial strength, customer service, financial strength and average annual premium. Below are the companies we believe to offer the best Las Cruces car insurance.

Las Cruces’s best car insurance company

J.D. data was used to determine the best Las Cruces car insurance. Power and AM Best as well as analyzing data from J.D. These are our top five picks:

Insurance CompanyJ.D. J.D.Minimum Coverage: Average Annual PremiumAverage annual premium for full coverage
Allstate830 / 1,000$456$1,804
Geico834 / 1,000$338$1,270
Progressive803 / 1,000$435$1,129
State Farm826 / 1,000$401$1,275
USAA876 / 1,000$267$1,020


Do you plan to drive for Uber? Allstate provides rideshare insurance to keep your legal and safety. There are also other coverage options available, including:

  • Gap coverage
  • Rental reimbursement coverage
  • Protection for new car replacement
  • Towing and labor costs coverage
  • Insurance for classic cars
  • Coverage of sound system

Allstate offers great discounts for young drivers. You can save big on your premium if you have a young driver or student on your policy.


Geico offers many discounts that can help you save big on premiums. Saving money can be achieved by using the customer loyalty discount (bundling, multicar), but also by installing an anti-theft system and having both passenger and driver airbags in your vehicle.

Geico is also a top-rated company for customer service and one of the most financially strong in the country (which means that they are able to handle any claim quickly).


Progressive is an insurance company that embraces the 21st century. Progressive has a great app and website, as well as an online quote tool. Progressive will tell you what you would pay if you chose another provider, which is not something we recommend. Progressive’s Snapshot discount is our favorite feature. Progressive can analyze your driving habits by installing Snapshot on your smartphone. You could save big on your premium if it likes what you see.

State Farm

State Farm is the most popular auto insurance company in the country, and drivers love it. It’s a good thing. State Farm offers many discounts, making it easy to sign up or change your policy. You can also file a claim or check the status of an existing policy from your smartphone.


USAA is an exceptional provider because it insures only current and former military personnel as well as their immediate families. USAA is a great choice for those who fit this description. USAA consistently beats its competitors in customer service and has the lowest premiums. The only problem is that USAA doesn’t offer discounts. But it shouldn’t.

Las Cruces has the lowest car insurance

For full coverage, the average cost for car insurance is $1601 per year. New Mexico pays $1,388 per year. This amount is $1,292 per annum in Las Cruces. But that doesn’t mean drivers shouldn’t try to get this amount lower.

These are the lowest car insurance rates Las Cruces based on market share.

Insurance CompanyAverage Annual Premium for Minimum InsuranceAverage annual premium for full coverage
State Farm$401$1,275

Every company has great rates that will help you save money on your premium.

J.D. received more positive feedback about USAA, Geic and State Farm’s customer service. Powers (though Farmers was just a point behind State Farm 2020). Geico, State Farm, or Farmers offer better discounts.

Each company has its own mobile app, and each one is financially sound enough to handle large amounts of claims. You’ll have success working with any one of these five companies if your goal is to get the best car insurance in Las Cruces.

Las Cruces insurance requirements

You must have a 25/50/10 policy to legally drive in Las Cruces. This is the minimum amount you can be held liable.

  • $25,000 per person to cover bodily injury/death
  • $50,000 for bodily injury/death
  • Property damage: $10,000 per accident

If you have more coverage, it is not a good idea to drive with minimal liability. It’s easy to get medical treatment that exceeds $50,000 in an accident. It is also possible for property damage exceeding $10,000, especially when you consider the cost of most new cars at well over $30,000 You must pay any amount that your insurance company doesn’t cover.

Lenders require that you have full coverage if your plan is to lease or finance a car. To get an idea of the cost you will pay each year, compare rates from different providers.

Las Cruces: Car insurance discounts

  • Multi-car
  • Multi-policy
  • Anti-theft
  • Good student
  • Driving course for defensive driving

The defensive driving discount is a quick and simple discount that most drivers can take advantage of. Most providers offer a permanent discount when you sign up for defensive driving courses. Although a course is expensive, most drivers will be able to get their money back within a few months.

However, the best way to save is to use a customer loyalty discount regardless of which company you work for. This could be by purchasing homeowners, renters, condo or car insurance through the same provider.

Questions frequently asked

Which is the best auto insurance company?

There are many ways to answer this question, including best for financial strength, best customer service, best discounts, and so on. The best car insurance company will depend on your personal needs and profile. For more information, visit our Best Car Insurance Companies Page.

Is New Mexico a no-fault state?

New Mexico isn’t a state that accepts no-fault drivers. All drivers in New Mexico must pay for any damage they cause, as it is a tort state.