Las Cruces Auto Insurance Rates, Quotes, Agents & Reviews in NM

Las Cruces, NM Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Las Cruces, NM, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Lower the Cost of Auto Insurance in Las Cruces, NM

The average cost of auto insurance in Las Cruces, NM, is $1,176. This is lower than in most neighboring places such as Providence Village, Highland Village, Copper Canyon, and the state of Texas. Residents of Las Cruces should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Las Cruces.

ways_to_lower_the_cost_of_auto_insurance_in_lascruces_nm

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Las Cruces, NM. While an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can decrease from $2,231 when the credit score is poor, to around $1,174 when the credit score is “exceptional”. 

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. A passive disabling device fetches the most amount of savings. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Las Cruces, NM, post-DUI, increases to $2,154. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Las Cruces. Other violations that can have a long-term impact on auto insurance in Las Cruces include driving with an expired license and running a red light. 

Multi-Car Insurance:

Car owners in Las Cruces, NM, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Las Cruces, NM, is $2,353, while it would cost $4,706 for four cars. The savings on multi-car insurance in Las Cruces also depends on the make and model of the vehicle.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Las Cruces on a low deductible ($500) is $1,649. It decreases to $1,393 when the deductible is higher ($1,000).

Factors that can influence the cost of car insurance in Las Cruces, NM are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Las Cruces, NM Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Las Cruces, NM with that of other cities in and around Las Cruces.

Las Cruces Mesilla Do-a Ana San Pablo Organ University Park
Average Insurance Rates $1,368 $1,445 $1,314 $1,432 $1,331 $1,953

Las Cruces, NM Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Las Cruces, NM based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Las Cruces $1,649 $1,393
University Park $2,012 $1,699
Organ $1,317 $1,113
San Pablo $1,475 $1,246
San Ysidro $1,063 $898
Mesilla $1,532 $1,294
Do-a Ana County $1,457 $1,231
Do-a Ana $2,436 $2,058

Las Cruces, NM Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Las Cruces, NM usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,439
20 Years $1,758
30 Years $1,354
40 Years $1,303
50 Years $1,206
60 Years $1,223
70 Years $1,424

Las Cruces, NM Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Las Cruces, NM can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,353 $383
3 Vehicles $3,529 $575
4 Vehicles $4,706 $766

Savings on 2 Vehicles bundle:$383

Savings on 3 Vehicles bundle:$575

Savings on 4 Vehicles bundle:$766


Las Cruces, NM Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Las Cruces, NM.

Location Average Insurance Cost Post DUI Insurance Rate
Las Cruces $1,368 $2,154
University Park $1,953 $3,075
Organ $1,331 $2,096
San Pablo $1,432 $2,255
San Ysidro $1,358 $2,138
Mesilla $1,445 $2,275
Do-a Ana County $1,354 $2,132
Do-a Ana $1,314 $2,069

Las Cruces, NM Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,174
Excellent (740-799) $1,340
Good (670-739) $1,425
Average (580-669) $1,860
Poor (300-579) $2,231

Las Cruces, NM Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$60 $1,428
Driver's Failure In Showing Documents +$133 $1,501
Driving With An Expired Registration +$141 $1,509
Driving At A Considerably Slow Pace +$297 $1,665
Using A Cellphone While Driving +$313 $1,681
Running A Red Light +$319 $1,687
Speeding +$335 $1,703
Driving A Vehicle Without The Required Permission +$425 $1,793
Driving With An Expired/Suspended License +$922 $2,290

Las Cruces, NM Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,313
Active Disabling Device $1,313
Tracking Device $1,286
Passive Disabling Device $1,272

Latest Auto Insurance Reviews in Las Cruces, NM | Back to Top

Aarp Auto Insurance
while comparing to other auto insurance company this is the best and valuable company
Aarp Auto Insurance
while comparing to other auto insurance company this is the best and valuable company
Progressive
It just costs more then its competition. I wish they could discount the policy a little more, but I may try bundling with home insurance or I may switch insurance. Progressive is more expensive.
Nationwide
IT WOULD GIVE YOU 2 POINTS AS THEY DO NOT COVER IN THEIR ENTIRETY WITH THE AGREED IN THE CONTRACT, IN ADDITION TO THE MOMENT OF CANCELING ANY CLAUSE THEY LAST A LONG TIME
American National Property And Casualty Company
The customer service of this company is very good. They are very informative. Its gives more premium when we claim compared to the other insurance company. It cover most of the part of damage or other expenses.
Progressive
I really like them because they give me the lowest rates
Travelers
I really don't have anything that I dislike other than the premiums, but I do have 2 teenage drives so it will be high.
State Farm
Other companies are not very good. Other companies were not very good for me. They were too much and they did not have the same perks I wanted in a company.