Las Cruces Car Insurance

Everything You Need to Know About Car Insurance in Las Cruces, NM

Find the right car insurance policy for you.

Las Cruces is one of New Mexico’s most beautiful cities, with incredible views of the Organ Mountains to the east and the rushing Rio Grande to the west. In this busy city, you’ll find clear blue skies 350 days a year and plenty of outdoor activities to help you relax after the daily grind. Las Cruces, NM, known as the “City of the Crosses,” is the second-largest city in the state, and it serves as a major intersection of Interstate 10 and Interstate 25. That means traffic often gets congested, so make sure you’re prepared with reliable Las Cruces car insurance. Our Independent Insurance Agents specialize in helping New Mexico drivers find the best rates on auto insurance. With an expert agent on your side, you’ll find reliable coverage for your car at a price you can afford.

  • National average cost per year: $1,311
  • New Mexico average cost per year: $1,237
  • #28 most expensive auto premium in the U.S.

New Mexico drivers pay just below the national average for auto insurance. Your individualized rate is decided by weighing several key factors; your age, your vehicle's make and model, and your recent driving record all make a difference in how much you pay for coverage. Our insurance agents can help you cut costs by matching you with discounts for safe driving and bundled coverage. Our agents can also provide you with custom rate quotes on multiple policies, giving you the best chances of finding a low-cost insurance option for your car.

New Mexico Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/10

New Mexico law requires all drivers to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $10,000 for any resulting property damage. These minimums serve as a guideline to show you the bare minimum coverage you need to protect your vehicle in case of accidents. However, most car insurance pros will suggest that you invest in a higher coverage limit as an added measure of protection. Remember that if you are involved in a collision and the cost exceeds your coverage, you have to pay any difference out of pocket. By paying a little more for auto insurance up front, you could see massive savings in the long run.

Number of Uninsured Motorists in New Mexico

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured New Mexico drivers: 21.6%

Uninsured drivers pose a constant threat to Las Cruces drivers. If a driver without insurance causes an accident, there is no coverage in place to pay for the cost of auto repairs or related medical care. Due to the high likelihood of encountering uninsured drivers in this area, uninsured motorist coverage is becoming one of the most important aspects of auto insurance. When you add uninsured motorist protection to your policy, you have peace of mind that the expenses related to an accident are always covered no matter who is at fault.

Number of Auto Thefts in New Mexico

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in New Mexico: 3.14

Las Cruces might be one of the New Mexico’s most beautiful cities, but it comes at a price. The crime rate in this area is 45% higher than the national average, and auto theft is an ongoing concern. Make sure you safeguard your vehicle by choosing a car insurance plan that provides complete protection against theft.

Find a Great Las Cruces Car Insurance Policy

Our Independent Insurance Agents take the guesswork out of finding reliable car insurance in Las Cruces. Our agents can explain your coverage options and help you determine how much coverage you really need to protect your vehicle from local roadway threats. Our agents can provide you with customized rate quotes on Las Cruces auto insurance. 

Contact an agent today to discover how much money you could save on your premium this year.

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