Cheapest car insurance companies in Las Cruces
After an in-depth analysis, Insurance.com found that Geico and Central Insurance are the cheapest car insurance companies in Las Cruces for 2023.
Geico has the cheapest car insurance rates in Las Cruces at an average cost of $1,201 per year.
When it comes to car insurance costs in Las Cruces, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| USAA | $981 |
| Geico | $1,201 |
| Central Insurance | $1,339 |
| Progressive | $1,354 |
| State Farm | $1,566 |
| Nationwide | $1,655 |
| Farmers | $2,647 |
| Iowa Farm Bureau | $2,652 |
| Kemper Insurance | $2,706 |
| Allstate | $2,836 |
Cheapest car insurance cost in Las Cruces by Age Group
The cheapest auto insurance company in Las Cruces for teen drivers is USAA. For full coverage, its average annual rate for Las Cruces drivers is $2,706. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
For young drivers in Las Cruces, USAA has the cheapest auto insurance rates, with an average annual cost of $1,396 annually.
As Las Cruces drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $993.
With an average annual premium of $1,043, USAA offers Las Cruces's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $2,706 | $1,396 | $993 | $1,043 |
| Central Insurance | $2,792 | $1,954 | $1,379 | $1,502 |
| Geico | $3,604 | $1,829 | $1,244 | $1,246 |
| State Farm | $4,452 | $2,582 | $1,577 | $1,526 |
| Iowa Farm Bureau | $4,977 | $3,305 | $2,624 | $2,436 |
| Progressive | $5,221 | $2,110 | $1,378 | $1,395 |
| Nationwide | $5,313 | $2,607 | $1,662 | $1,570 |
| Allstate | $8,879 | $4,391 | $2,804 | $2,850 |
| Kemper Insurance | $9,452 | $4,533 | $2,728 | $2,687 |
| Farmers | $11,668 | $4,690 | $2,517 | $2,732 |
Cheapest car insurance companies in Las Cruces by driver profile
Car insurance rates in Las Cruces vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
To find the cheapest car insurance company in Las Cruces, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here are some of the cheapest car insurance companies in Las Cruces based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Drivers in Las Cruces with poor credit can get the cheapest car insurance from Geico at an average cost of $1,255 a year, according to a data study by Insurance.com.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,255 |
| Nationwide | $1,506 |
| USAA | $1,760 |
| Progressive | $1,901 |
| State Farm | $2,129 |
| Allstate | $2,725 |
| Farmers | $2,937 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Las Cruces. Its full coverage car insurance policy costs an average of $1,164 per year for drivers aged 30.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| State Farm | $1,164 |
| USAA | $1,215 |
| Nationwide | $1,232 |
| Geico | $1,489 |
| Progressive | $1,639 |
| Allstate | $2,321 |
| Farmers | $2,414 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Las Cruces is $1,185. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,185 |
| USAA | $1,542 |
| Nationwide | $1,566 |
| Geico | $1,677 |
| Progressive | $2,073 |
| Farmers | $2,800 |
| Allstate | $2,961 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Las Cruces. On average, its annual full coverage rate is $1,164, making it a significantly cheaper option than other insurance providers.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,164 |
| Progressive | $1,759 |
| Geico | $1,970 |
| USAA | $2,058 |
| Nationwide | $2,216 |
| Farmers | $2,903 |
| Allstate | $3,313 |
Average car insurance cost in Las Cruces
The average car insurance rate in Las Cruces for full coverage is $1,894 per year or $158 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Las Cruces is $439 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,894 | $439 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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