Car Insurance in Las Cruces
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If you love natural beauty, then you’re going to love Las Cruces. But it’s important to find the best car insurance in Las Cruces if you want to enjoy everything this amazing city has to offer.
That’s because this is the second-largest city in New Mexico. There are many things to see and do, including walking the campus of New Mexico State University, enjoying annual wine festivals, or even watching Virgin Galactic make history by offering suborbital flights.
But to truly see and do everything, you need a reliable car, and that means you need reliable car insurance. Here’s everything you need to know about getting the best car insurance in Las Cruces.
Quick Facts
- In 2019, there were 11 traffic-related fatalities.
- The average cost of car insurance in the city is $102.27 per month.
How Much Does Car Insurance Cost in Las Cruces?
Wondering if you’re paying too much money for your car insurance in Las Cruces? You won’t know the answer to that until you know what others are paying. With that in mind, what is the average cost of car insurance in Las Cruces?
The average cost of car insurance in the city is $102.27 per month. This is actually far cheaper than the national average cost of car insurance, which is $134.04 per month.
How does Las Cruces stack up to other cities in New Mexico, though? Below, we have a breakdown of average car insurance rates across different cities in the state.
| New Mexico Cities | Average Monthly Rate |
|---|---|
| Albuquerque | $135.04 |
| Hobbs | $112.92 |
| Las Cruces | $102.27 |
| Rio Rancho | $141.88 |
| Santa Fe | $107.15 |
Las Cruces Car Insurance Rates by Zip Code
Now you know that moving to another city in New Mexico can affect how much you pay for car insurance, and sometimes by quite a bit. But what you may not know is that even moving to a different zip code in the same city can have a similar effect!
Need proof? Below, we have a breakdown of the average car insurance cost by zip code in Las Cruces.
| Zip Code | Average Monthly Rate |
|---|---|
| 88001 | $110.17 |
| 88003 | $118.35 |
| 88005 | $102.41 |
| 88007 | $85.93 |
| 88011 | $100.97 |
| 88012 | $100.98 |
Las Cruces Car Insurance Rates by Age
Where you live affects how much you pay for car insurance, but at least you can control where you live. One thing you can’t control is your age, and this also plays a major role in how much you pay for car insurance.
How much are you likely to pay for car insurance in Las Cruces over time? Below, we have a breakdown of average car insurance prices by age.
| Age | Monthly Average Rate |
|---|---|
| Teenagers | $222.48 |
| 20s | $120.12 |
| 30s | $95.16 |
| 40s | $93.59 |
| 50s | $74.11 |
| 60s | $75.82 |
| 70+ | $81.83 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by New Mexico. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Las Cruces
In order to determine how much car insurance you need in Las Cruces, it’s important to know how dangerous the roads really are. And that brings us to the next question: What are the driving conditions like in the city?
The driving conditions are something of a mixed bag. On one hand, there are relatively few traffic-related fatalities each year. On the other hand, the city’s roads are in relatively poor condition.
How Many Fatal Accidents Happen in Las Cruces?
In 2019, there were 11 traffic-related fatalities. This was a result of 11 fatal accidents during that year.
How Are the Road Infrastructure and Bridges in Las Cruces?
While the drivers are one thing, those who live in Las Cruces must also know about the local infrastructure. Specifically, what is the condition of the roads and bridges?
Honestly, the road infrastructure in the city is very poor. According to research by the nonprofit TRIP, many of the roads are in dire need of repair. In fact, the roads in Las Cruces are bad enough that it is costing drivers an extra $1,467 per year in vehicle operating costs!
Get a Quote for Car Insurance in New Mexico Today!
Minimum Car Insurance Requirements in Las Cruces
It is often difficult for drivers to determine how much car insurance coverage they really need. But one way to start is by making sure you have at least the minimum coverage required by the state.
So, what minimum coverage is legally required for Las Cruces drivers? Drivers need a minimum of liability coverage in the following amounts:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property
Remember, liability coverage only pays out if you are at fault in an accident, and it only pays for damage that you cause. To better protect your car, we recommend you invest in collision insurance and possibly comprehensive insurance as well.
Factors Allowed in Las Cruces Car Insurance Rates
Ever wonder how your car insurance company determines the cost of your monthly premium? The truth is that they look at several factors before setting the price. We have already named two of these factors: age and location. But what does the full list look like?
In Las Cruces, car insurance companies can consider the following factors before setting your premium:
- Age
- Gender
- Credit score
- Location
- Driving history
- Employment
- Marital status
- Insurance history
If one or more of these factors change (such as your credit score improving), it may be worth alerting your insurance carrier to see if you can get a lower premium.
Discounts for Car Insurance in Las Cruces
It’s possible to lower your premium by alerting your insurance company about changes in your life. But one of the most direct ways to lower your rate is by contacting your carrier and asking about discounts they offer.
Every carrier creates special discounts for their customers, and you may already qualify for one or more of these discounts so you can obtain cheap car insurance. Below, we have a list of common discounts available to drivers in Las Cruces:
-
Good driving discount
-
Anti-theft device discount
-
Good student discount
-
Defensive driving course discount
-
Homeowners discount
Remember, you won’t know which discounts are available from your own carrier until you call and ask! And to get even better insurance prices, don’t be afraid to shop around for a better rate.
What Are the Penalties for Driving Without Insurance in Las Cruces?
Now you know what the minimum car insurance requirements are for drivers in Las Cruces. But what if you are caught driving around without any insurance at all?
If this is a first offense, you may have to pay a fine of up to $300 dollars and spend up to 90 days in jail. For the second offense, you may have to pay a fine of up to $1,000 dollars and spend up to six months in jail.
For the third offense and beyond, the court may assign you even larger fines and more extreme jail time. But on top of the fines and assorted court fees, the biggest penalty may be having to pay for any of the damage you caused while driving without liability coverage!
Get a Quote for Car Insurance in Las Cruces Today!
Now you know the most important aspects of car insurance in Las Cruces. But do you know where you can get the best possible rates? One of our friendly agents at Freeway Insurance can help you get the coverage you need.
Get started with a quote online, visit us at a local office near you, or call us at (800) 777-5620 for a quote.