Cheapest car insurance companies in Las Cruces 

Geico and Central Insurance offer the cheapest car insurance rates in Las Cruces for 2023, according to a study by

In Las Cruces, Geico provides the cheapest auto insurance rates to drivers at an average annual premium of $1,201 annually

Car insurance costs may vary in Las Cruces based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Las Cruces.

CompaniesAverage annual rates
Central Insurance$1,339
State Farm$1,566
Iowa Farm Bureau$2,652
Kemper Insurance$2,706

Cheapest car insurance cost in Las Cruces by Age Group 

USAA is the cheapest option for car insurance in Las Cruces for teen drivers, with average annual premiums at just $2,706 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

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. 

CompanyTeensYoung AdultsAdultsSeniors
Central Insurance$2,792$1,954$1,379$1,502
State Farm$4,452$2,582$1,577$1,526
Iowa Farm Bureau$4,977$3,305$2,624$2,436
Kemper Insurance$9,452$4,533$2,728$2,687

Cheapest car insurance companies in Las Cruces by driver profile 

Insurers in Las Cruces consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

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. 

Based on data analysis by's experts, these are the cheapest car insurance companies for Las Cruces drivers based on driver profile.

Geico has the cheapest rates for Las Cruces drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,255, Geico offers substantial savings among the insurers analyzed.

Drivers with poor or bad credit scores in Las Cruces can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
State Farm$2,129

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Las Cruces. It offers full coverage car insurance for drivers aged 30 at about $1,164 per year

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,164

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, found that State Farm offers the cheapest car insurance rates for Las Cruces drivers with at-fault accidents. It provides coverage at an average annual cost of $1,185.

CompanyAverage annual rates
State Farm$1,185

State Farm is the cheapest option for Las Cruces drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,164, on average.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$1,164

Average car insurance cost in Las Cruces 

In Las Cruces, the annual cost of car insurance for the coverage level of 100/300/100 is $1,894 or around $158 per month. However, the average yearly rate for state minimum coverage in Las Cruces is $439.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average

Methodology 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 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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